2015-05-17T15:05:37-07:00 2014-12-31 990 2014-01-01 370818878 URBANA MUNICIPAL EMPLOYEES CREDIT UNION URBA 1001 NORTH CUNNINGHAM AVENUE URBANA IL 61802 Melody Neumann President 2173370240 2015-05-15 2014 2016-02-25 16:41:14Z MELODY NEUMANN 2259 HOMER LAKE ROAD P O BOX 382 SAINT JOSEPH IL 61873 195019 0 X X COOPERATIVE 1950 IL THE MISSION OF THE URBANA MUNICIPAL EMPLOYEES CREDIT UNION IS TO PROVIDE A MEMBER OWNED FINANCIAL INSTITUTION TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT ATA REASONABLE RATE OF INTEREST. 11 0 3 10 0 0 0 0 157235 165247 6852 7746 18615 22026 182702 195019 0 0 0 0 58559 66199 0 0 0 83259 88734 141818 154933 40884 40086 3314784 3367714 3016464 3088666 298320 279048 PROVIDED CONSUMBER LOANS TO 434 MEMBERS, RECEIVED DEPOSITS ON SAVINGS FROM 767 MEMBERS 0 0 154933 0 172994 PROVIDED CONSUMER LOANS TO 434 MEMBERS. RECEIVED DEPOSITS ON SAVINGS FROM 767 MEMBERS. 0 0 0 NONE 0 0 0 NONE 0 0 0 154933 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 176 0 0 3 1 0 0 0 0 0 0 X 11 0 0 0 0 0 1 1 1 1 1 0 0 0 1 0 1 0 1 0 0 0 IL X X MELODY NEUMANN 2173370240 1001 NORTH CUNNINGHAM AVENUE URBANA IL 61802 MELODY NEUMANN PRESIDENT 37 X X 40633 40633 0 40633 40633 0 0 0 0 0 0 0 0 0 0 0 0 0 0 INTEREST ON LOANS 900099 155672 155672 0 0 LOAN INTEREST FEES AND FINES 900099 9463 9463 0 0 OTHER INCOME 900099 112 112 0 0 0 0 0 0 165247 7746 7746 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 PROVISION FOR LOAN LOSS 900099 22026 22026 0 0 0 0 0 0 22026 195019 195019 0 0 0 0 0 0 0 0 0 0 40633 40633 0 0 0 0 0 0 19514 19514 0 0 0 0 0 0 0 0 0 0 6052 6052 0 0 0 0 0 0 800 800 0 0 3704 3704 0 0 0 0 0 0 0 0 0 0 0 0 3990 3990 0 0 75 75 0 0 7001 7001 0 0 0 0 0 0 0 0 0 0 7899 7899 0 0 2268 2268 0 0 0 0 0 0 3830 3830 0 0 15681 15681 0 0 2876 2876 0 0 3494 3494 0 0 6986 6986 0 0 ANNUAL MEETING 146 146 0 0 ASSOCIATION DUES 4577 4577 0 0 OTHER MISC. EXPENSES, NOT OFFICE SUPPLIES 3381 3381 0 0 PROV FOR LOAN LOSSES 22026 22026 0 154933 154933 0 0 217000 337725 675000 950000 0 0 0 0 0 0 0 0 2380191 2040140 0 0 13859 9711 0 0 0 0 0 0 0 0 0 28734 30138 3314784 3367714 2698 3169 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3013766 3085497 3016464 3088666 X 0 0 0 0 298320 279048 298320 279048 3314784 3367714 40086 0 0 0 -59358 0 X 1 X 0 0 0 SHARES TO MEMBERS 3085497 3085497 X Schedule D, Part X, Line 2 SHARES TO MEMBERS Form 990, Part VI, Section A, Line 6 Members, one share is equivalent to $5.00. We have 767 members as of 12/31/14. Form 990, Part VI, Section A, Line 7a Members may elect Board of Directors. Form 990, Part VI, Section A, Line 7b Majority of the Board of Directors (members) elect governing body. Form 990, Part VI, Section B, Line 11b Form 990 is available for review by our State Examiner, Board of Directors, Supervisory Committee and Annual Supervisory Committee Audit, third party CPA. Form 990, Part VI, Section B, Line 12c We have new Board Members sign a confidentiality statement. We review our by-laws at each annual meeting. Form 990, Part VI, Section C, Line 19 WE POST OUR MONTHLY FINANCIAL STATEMENT IN THE LOBBY OF OUR OFFICE. AT OUR ANNUAL MEETING ALL MEMBES ARE INVITED TO ATTEND AND VIEW REPORTS AND/OR POLICIES AS REQUESTED. OUR BOARD OF DIRECTORS WILL ANSWE ANY QUESTIONS ASKED AND IF ANSWER IS UNKNOWN, THE PRESIDENT WILL CONTACT THE MEMBER AS SOON AS POSSIBLE AFTER GETTING A CORRECT ANSWER FROM ICUL, DFI OR WHOM WE CAN GET AN ANSER FOR MEMBER QUESTION. SUBMITTED EXTENSIONJ (8868) ON 5/15/15. COULD NOT GET PAGE 12 TO BALANCE DUE TO CORRECTION MADE IN 3/14 FROM STATE EXAMINER FOR 12/31/13. COULD NOT REMEMBER WHY LINE 8, PAGE 12 DID NOT BALANCE FROM LAST YEAR. $37,332 ADJUSTMENT MADE BY STATE EXAMINER. CAME IN ON SUNDAY MAY 17TH TO COMPLETE.