2016-03-15T00:00:00-05:00 2015-12-31 363321958 Desmond & Ahern Ltd 10827 S Western Avenue Chicago IL 60643 990 2015-01-01 366068676 Access Credit Union ACCE 7083430228 1807 W Cermak Rd Broadview IL 60115 Brad Fish President 7083430228 2016-03-16 1 Hugh J Ahern CPA P00010788 7737794720 2016-03-15 2015 2016-09-27 15:27:22Z Brad Fish 1807 W Cermak Rd Broadview IL 60115 2825587 0 X www.access-cu.com X Cooperative 1998 IL Illinois state chartered credit union operated for the mutual benefit of its members 9 9 20 9 0 0 0 0 2003723 1947828 404421 266935 0 0 2408144 2214763 0 0 0 0 880918 928460 0 0 0 1315568 1274509 2196486 2202969 211658 11794 49443880 50981180 42898456 44423962 6545424 6557218 Illinois state chartered credit union operated for the mutual benefit of its members. The Credit Union makes loans to members and pays dividends to members with share deposits at a competetive rate of interest. 0 0 Credit Union makes and services consumer and real estate loans to members. The number of loans outstanding at 12/31/15 was 2,397 for a total of $23,245,485. Credit Union pays out dividends to its members on share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/15 is 10,223 in the amount of $44,262,480. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 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 1 519 0 1 20 1 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 0 0 1 1 0 0 X Brad Fish 7083430228 1807 W Cermak Rd Broadview IL 60155 Charles Mackinnon Director 2.00 X 0 0 0 Robert Sadler Director 2.00 X 0 0 0 Yogi Patel Director 2.00 X 0 0 0 Ron Mikicich Director 2.00 X 0 0 0 Alexis Wallace Director 2.00 X 0 0 0 Steven Bergeon Director 2.00 X 0 0 0 Dennis Weiner Director 2.00 X 0 0 0 William Daugherty Director 2.00 X 0 0 0 James Parker Director 2.00 X 0 0 0 Brad Fish President/Director 45.00 X X 104684 0 10086 Kevin Morrissey Chief Financial Officer 45.00 X 85291 0 5452 Rachel Quiroz VP Lending 45.00 X 65916 0 9885 Carol Horn VP Operations 45.00 X 60426 0 2378 316317 0 27801 1 0 0 0 Fiserv 255 Fiserv Drive Brookfield WI 53308 banking interface/maintenance 177909 1 Loan Interest 522100 1378151 1378151 Fees & other charges 525990 569677 569677 1947828 267043 267043 610716 610824 -108 -108 -108 2214763 1947828 0 266935 344878 434827 86413 62342 17850 84085 32521 349274 128207 166378 7846 1294 83092 92379 28482 Loan servicing 135185 Provision for loan loss 125000 Miscellaneous operating 22916 2202969 476747 496479 2196210 2274464 22948158 23245485 188189 136995 3962182 1168898 2823839 2793284 19965178 21295208 67059 67059 778500 672206 49443880 50981180 127391 161482 166098 42604967 44262480 42898456 44423962 X 0 0 0 0 6545424 6557218 6545424 6557218 49443880 50981180 11794 0 X 0 1 X 1 0 975000 975000 1964001 317107 1646894 1023181 851791 171390 2793284 Member Shares 44262480 44262480 X 2214763 0 2214763 0 2214763 2202969 0 2202969 0 2202969 Part X, Line 2: FIN 48 Note from Audited Financial Statements Access Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2015 that management believes is subject to taxation. The Credit Union's 2012 through 2015 annual information returns filed with the Internal RevenueService are open to examination. Form 990, Part VI, Section A, line 6 Membership consists of individuals with funds on deposit with the Credit Union. Form 990, Part VI, Section A, line 7a Members participate in the annual election of the Board of Directors. Form 990, Part VI, Section B, line 11 The Form 990 was reviewd by the President of the Credit Union prior to filing. Form 990, Part VI, Section B, line 15a Compensation of the CEO and top management is determined by the Baord of Directors using comparibility data. Form 990, Part VI, Section C, line 19 Governing documents available upon request.