U S Employees Credit Union
Only null% goes to programs Strong reserves Growing revenue
U S Employees Credit Union is a 501(c)(14) organization based in Chicago, Illinois, registered in 2001, with $5,493,686 in FY2025 revenue. CharityIndex grades it B.
230 S Dearborn St Ste 2962, Chicago, IL, 60604 EIN 36-2479293 Since 2001
Revenue (FY2025)
$5.5M
▲ 11.8% vs prior year
Public Benefit median: $140K
Expenses (FY2025)
$4.3M
Net assets
$12.9M
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 U S Employees 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 rating36 mo reserves · +21% 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 U S Employees Credit Union: 36 mo reserves · +21% 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 U S Employees 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 U S Employees Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Contact & location
- Address
- 230 S Dearborn St Ste 2962, Chicago, IL, 60604
- City
- Chicago
- State
- Illinois
- Category
- Public & Societal Benefit
- Subcategory
- Financial Institutions
- Website
- …
Financial trends
Revenue grew from $4.2M (FY2013) to $5.5M (FY2025) across 13 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $88.6MNet assets $12.9M
Operating margin
21.5%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$101.5M
Total liabilities
$88.6M
Net assets
$12.9M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $5,493,686▲11.8% | $4,313,761▲3.2% | $12,896,619▲10.6% | $101,522,489▲2.5% | 990 |
| 2024 | $4,915,539▲11.1% | $4,178,896▲2.8% | $11,658,471▲7.3% | $99,074,208▲0.3% | 990 |
| 2023 | $4,423,407▲2.5% | $4,066,628▲11.9% | $10,864,548▲4.6% | $98,770,932▼2.9% | 990 |
| 2022 | $4,317,476▲10.1% | $3,635,414▲6.1% | $10,384,827▲7.2% | $101,726,447▲0.9% | 990 |
| 2021 | $3,921,100▼1.4% | $3,427,272▼6.5% | $9,687,627▲7.0% | $100,781,168▲5.8% | 990 |
| 2020 | $3,975,488▼14.7% | $3,664,732▼14.7% | $9,054,295▲2.9% | $95,275,894▲13.1% | 990 |
| 2019 | $4,663,214▲4.8% | $4,294,606▲2.5% | $8,796,808▼17.7% | $84,234,411▼2.0% | 990 |
| 2018 | $4,448,715▼8.8% | $4,188,215▼12.3% | $10,692,889▲2.6% | $85,910,362▲2.3% | 990 |
| 2017 | $4,877,976▲19.0% | $4,777,605▲18.5% | $10,425,632▲1.0% | $83,987,995▲0.9% | 990 |
| 2016 | $4,100,115▲3.1% | $4,030,902▲5.4% | $10,325,261▲0.7% | $83,233,889▲0.2% | 990 |
| 2015 | $3,978,197▲0.8% | $3,825,120▲1.6% | $10,256,048▲1.5% | $83,031,183▲4.1% | 990 |
| 2014 | $3,946,109▼7.1% | $3,763,185▼12.8% | $10,102,971▲1.8% | $79,793,517▲1.2% | 990 |
| 2013 | $4,248,838 | $4,313,654▲0.4% | $9,920,047▼1.4% | $78,867,974▼1.0% | 990 |
| 2012 | — | $4,297,526▼4.3% | $10,056,358▲2.3% | $79,669,969▲3.6% | 990 |
| 2011 | — | $4,492,041▼8.5% | $9,831,896▲4.2% | $76,918,540▲6.7% | 990 |
| 2010 | — | $4,911,746 | $9,431,165 | $72,067,051 | 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.
Similar organizations in Public Benefit
Public Benefit
North East Multi-regional Training Inc
Naperville, IL
$5.5M
Bannual revenue
Public Benefit
Corporate Leadership Center
Burr Ridge, IL
$5.5M
Bannual revenue
Public Benefit
American Association of Individual Investors
Chicago, IL
$5.9M
Dannual revenue
Public Benefit
Landmark Credit Union
Danville, IL
$5.9M
Bannual revenue
Public Benefit
Better Government Association Inc
Chicago, IL
$4.5M
Bannual revenue
Public Benefit
Employees Community Fund of the Boeing Company
Chicago, IL
$4.4M
Dannual revenue
Public Benefit
Impacting Veterans Lives Inc
North Chicago, IL
$4.3M
Bannual revenue
- Public Benefit
American Business Immigration Coalition
Chicago, IL
$6.8M
Bannual revenue
- Public Benefit
American Culture Project
Chicago, IL
$4.0M
C+annual revenue
Public Benefit
Coast Guard Auxiliary Association Inc
Granite City, IL
$3.9M
C+annual revenue
Compare U S Employees Credit Union
Frequently asked questions
- Is U S Employees Credit Union a legitimate nonprofit?
- Yes. U S Employees Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 36-2479293, based in Chicago, Illinois.
- What is U S Employees Credit Union's EIN?
- U S Employees Credit Union's Employer Identification Number (EIN) is 36-2479293.
- How much revenue does U S Employees Credit Union report?
- U S Employees Credit Union reported $5,493,686 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does U S Employees Credit Union have?
- CharityIndex grades U S Employees Credit Union B, based on financial health (reserves and operating margin).
More nonprofits in Chicago
Explore more
Data for U S Employees Credit Union (EIN 36-2479293) 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.