2018-11-12T10:12:05-06:00 2017-12-31 390758449 WIPFLI LLP PO BOX 8010 WAUSAU WI 544028010 990 2017-01-01 361894017 UNITED CREDIT UNION UNIT 7733766000 4444 SOUTH PULASKI RD CHICAGO IL 60632 MARIO AGUIRRE PRESIDENT 7733766000 2018-11-09 1 MARY A COATES CPA P00134220 7158453111 2018-11-07 50.50.56.238 2018-11-09 12:37:50 CS P 8C6700BA2289AFF4DA35F5CBAFA36D123994248C 3F84BBAD590131ED98FD04F355634223604A4ACA 2017 2019-02-21 02:37:17Z MARIO AGUIRRE 4444 SOUTH PULASKI RD CHICAGO IL 60632 6117826 0 X WWW.UNITEDCREDITUNION.COM X 1931 IL TO ENCOURAGE SAVING AND PROVIDE CREDIT AT A REASONABLE INTEREST RATE, FOR THE BENEFIT OF MEMBERS. 10 8 63 7 0 0 0 0 5065308 5011096 970590 1066041 0 40689 6035898 6117826 0 1468 0 0 2097393 2342939 0 0 0 3065709 3245765 5163102 5590172 872796 527654 168702686 173371925 149182693 153366340 19519993 20005585 THE CREDIT UNION OPERATES TO ENCOURAGE THRIFT AMONG ITS MEMBERS, PROVIDE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST, AND PROVIDE ITS MEMBERS AN OPPORTUNITY TO USE AND CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. 0 0 LOANS (REAL ESTATE, VEHICLE, CREDIT CARD AND OTHER) ARE OFFERED TO MEMBERS. THE NUMBER OF OUTSTANDING LOANS AT 12/31/17 WAS 5,344. DEPOSIT/SHARE ACCOUNTS (SAVINGS, CHECKING, CERTIFICATES AND OTHER) ARE OFFERED TO MEMBERS. THE NUMBER OF OUTSTANDING DEPOSIT/SHARE ACCOUNTS OUTSTANDING AT 12/31/17 WAS 28,504. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 2028 0 1 63 1 0 0 0 0 0 0 0 0 X 10 8 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 0 0 X MARIO AGUIRRE 7733766000 4444 SOUTH PULASKI RD CHICAGO IL 60632 CAROLYN JOHNSON DIRECTOR 1.00 X 0 0 0 FRANK JOHNSON DIRECTOR 1.00 X 0 0 0 RAUL SEGURA DIRECTOR 6.00 X 0 0 0 SHAWN MAYBERRY DIRECTOR 1.00 X 0 0 0 PATTI WALSH DIRECTOR 1.00 X 0 0 0 DOLPHIN HARRIS CHAIRMAN 4.00 X X 0 0 0 NEAL SUWE VICE CHAIRMAN 4.00 X X 0 0 0 KENNETH BOLDEN TREASURER 4.00 X X 6000 0 0 BETTY HULL SECRETARY 4.00 X X 865 0 0 MARIO AGUIRRE PRESIDENT 40.00 X 150023 0 14354 MATTHEW ROLPH CONTROLLER/CFO 40.00 X 83190 0 1902 240078 0 16256 1 0 1 0 FISERV INC 255 FISERV DRIVE BROOKFIELD WI 53045 COMPUTER SYSTEM PROVIDER 601705 MICRODYNAMICS CORP 1400 SHORE ROAD NAPERVILLE IL 60563 MEMBER STATEMENT PROVIDER 138950 CUNA MUTUAL GROUP 5910 MINERAL POINT ROAD MADISON WI 53705 INSURANCE AND FORMS PROVIDER 129290 3 INTEREST ON LOANS 522100 3691534 3691534 SERVICE FEES 522100 699234 699234 INSURANCE INCOME 524298 242751 242751 DEBIT CARD PROGRAM REVENUE 522210 224086 224086 LOAN SERVICING INCOME 522100 100454 100454 53037 53037 5011096 1066041 1066041 99 0 99 99 99 INSURANCE PROCEEDS 900099 38221 38221 2369 2369 40590 6117826 5011096 0 1106730 1468 256333 1633992 9514 280378 162722 25308 92445 40594 102878 406438 894105 462451 12286 30795 17523 296894 55306 PROVISION FOR LOAN LOSS 489442 DEBIT & CREDIT CARD EXP 130838 DIVIDENDS ON MEMBER SHA 118918 LOAN SERVICING EXPENSE 29335 40209 5590172 7377171 1224010 45811283 15540335 0 301063 74895799 78930907 93972 178487 7461580 5546692 2010421 1914888 35007438 35947855 209844 31254300 3296758 8080080 168702686 173371925 657142 502491 148525551 152863849 149182693 153366340 X 0 0 0 0 19519993 20005585 19519993 20005585 168702686 173371925 X 527654 -123138 3943 77133 X 0 1 X 1 0 659116 659116 3994414 3190778 803636 347300 259003 88297 1836168 1531133 305035 624582 565778 58804 1914888 INTEREST-BEARING DEPOSITS 31101000 C ALL OTHER INVESTMENTS 153300 C 31254300 MEMBER SHARES DEPOSITS 152863849 152863849 6214676 96850 96850 6117826 0 6117826 5610098 19926 19926 5590172 0 5590172 PART XI, LINE 2D - OTHER ADJUSTMENTS: INCREASE IN CASH VALUE OF LIFE INSURANCE 77,133. SUBSIDIARY INCOME 19,717. PART XII, LINE 2D - OTHER ADJUSTMENTS: SUBSIDIARY EXPENSES 19,926. X X 0 0 0 MARIO AGUIRRE PRESIDENT 149962 0 0 0 61 0 4501 0 9853 0 164377 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS OPERATED FOR THE BENEFIT OF ITS MEMBERS, WHICH INCLUDE GROUPS OF EMPLOYEES AND INDIVIDUALS WHO LIVE, WORK, OR WORSHIP IN A DEFINED GEOGRAPHIC AREA. UNITED CREDIT UNION HAS NEARLY 19,000 MEMBERS AND IS A COOPERATIVE NONPROFIT ASSOCIATION. FORM 990, PART VI, SECTION A, LINE 7A CREDIT UNION MEMBERS ARE EMPOWERED TO VOTE FOR DIRECTORS ON THE BOARD. AS A PRACTICAL MATTER, MOST CREDIT UNION MEMBERS ASSIGN THEIR VOTING RIGHTS BY PROXY. FORM 990, PART VI, SECTION B, LINE 11B THE PRESIDENT INSPECTS FORM 990 AND REVIEWS IT WITH THE CHAIRMAN OF THE BOARD, COMPARING THE TAX RETURN WITH INTERNAL RECORDS. ALSO, THE PRESIDENT COMPLETES THE NECESSARY AUTHORIZATION FOR ELECTRONICALLY FILING FORM 990 BEFORE THE RETURN IS SUBMITTED TO THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY THAT COVERS ALL EMPLOYEES, OFFICERS, DIRECTORS AND AGENTS OF THE CREDIT UNION. THE CONFLICT OF INTEREST POLICY CLEARLY DEFINES WHAT CONSTITUTES A CONFLICT AND STRICTLY PROHIBITS THE COVERED GROUP FROM ENGAGING IN THE ACTIVITY. FURTHERMORE, THE COVERED PERSONS MUST REPORT TO THE BOARD UPON KNOWLEDGE OF ANY POTENTIAL CONFLICT AND THE BOARD WILL DETERMINE WHAT MAY BE ACCEPTABLE AND REASONABLE. THERE IS A SUPERVISORY COMMITTEE THAT WILL FOLLOW UP ON ANY CONFLICTS TO UNDERSTAND THEY ARE HANDLED PROPERLY. FORM 990, PART VI, SECTION B, LINE 15A REVIEW OF TOP MANAGEMENT COMPENSATION IS PERFORMED BY THE BOARD OF DIRECTORS. COMPENSATION ADJUSTMENTS ARE DETERMINED BASED UPON ACHIEVEMENT OF OBJECTIVES SET BY THE BOARD. INCREASES IN COMPENSATION ARE INCLUDED IN THE ANNUAL BUDGET APPROVED BY THE BOARD. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES MOST DOCUMENTS AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: INCREASE IN CASH VALUE OF LIFE INSURANCE 77,133. UCU FINANCIAL SERVICES INC 4444 SOUTH PULASKI ROAD CHICAGO IL 60632 364025553 FINANCIAL PLANNING IL UNITED CREDIT UNION C -209 361323 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0