I B E W Local 146 Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
I B E W Local 146 Credit Union is a 501(c)(14) organization based in Decatur, Illinois, registered in 1958, with $208,692 in FY2024 revenue. CharityIndex grades it B.
3390 N Woodford St, Decatur, IL, 62526 EIN 37-0790109 Since 1958
Revenue (FY2024)
$209K
▲ 23.9% vs prior year
Expenses (FY2024)
$140K
Net assets
$567K
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for I B E W Local 146 Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating48 mo reserves · +33% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For I B E W Local 146 Credit Union: 48 mo reserves · +33% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for I B E W Local 146 Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For I B E W Local 146 Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $132K (FY2013) to $209K (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $4.4MNet assets $567K
Operating margin
32.8%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$5.0M
Total liabilities
$4.4M
Net assets
$567K
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $208,692▲23.9% | $140,299▲11.7% | $566,783▲13.7% | $4,964,568▲4.0% | 990 |
| 2023 | $168,448▲25.7% | $125,557▲12.1% | $498,390▲9.4% | $4,773,983▼2.5% | 990 |
| 2022 | $133,959▼3.9% | $112,025▼1.0% | $455,499▲5.1% | $4,896,668▲14.1% | 990 |
| 2021 | $139,459▲4.6% | $113,192▼6.5% | $433,565▲6.4% | $4,290,131▲6.1% | 990 |
| 2020 | $133,374▼3.3% | $121,097▼1.8% | $407,298▲3.1% | $4,042,186▲5.8% | 990 |
| 2019 | $137,927▼0.1% | $123,351▲2.9% | $395,021▲3.8% | $3,819,243▲8.6% | 990 |
| 2018 | $138,001▲4.9% | $119,864▲1.2% | $380,445▲5.0% | $3,515,289▼5.4% | 990 |
| 2017 | $131,518▲1.4% | $118,399▼2.6% | $362,308▲3.8% | $3,717,777▲7.3% | 990 |
| 2016 | $129,711▼6.5% | $121,575▼6.0% | $349,189▲2.4% | $3,464,678▼8.0% | 990 |
| 2015 | $138,659▼0.1% | $129,308▲0.5% | $341,053▲2.8% | $3,764,668▲10.3% | 990 |
| 2014 | $138,755▲5.3% | $128,653▲44.3% | $331,702▲3.1% | $3,414,136▼1.5% | 990 |
| 2013 | $131,813 | $89,160▼13.1% | $321,600▲11.4% | $3,466,972▼2.7% | 990 |
| 2012 | — | $102,590▲7.5% | $288,561▲9.0% | $3,564,507▲12.2% | 990 |
| 2011 | — | $95,397 | $264,835 | $3,176,638 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is I B E W Local 146 Credit Union a legitimate nonprofit?
- Yes. I B E W Local 146 Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 37-0790109, based in Decatur, Illinois.
- What is I B E W Local 146 Credit Union's EIN?
- I B E W Local 146 Credit Union's Employer Identification Number (EIN) is 37-0790109.
- How much revenue does I B E W Local 146 Credit Union report?
- I B E W Local 146 Credit Union reported $208,692 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does I B E W Local 146 Credit Union have?
- CharityIndex grades I B E W Local 146 Credit Union B, based on financial health (reserves and operating margin).
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Data for I B E W Local 146 Credit Union (EIN 37-0790109) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.