Civic Intelligence

St Patrick'S Parish Credit Union

990EZ • Fiscal year 2013 • EIN 03-6010147

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 07, 2014

Organization ProfileN/A
PO Box 2105455

(802) 827-6684

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

59th percentile

0.00x

Higher debt load relative to assets than 59% of similar nonprofits.

2013 filings • <$500k nonprofits • Source year 2013

Liabilities / Revenue

66th percentile

0.01x

Higher debt load relative to revenue than 66% of similar nonprofits.

2013 filings • <$500k nonprofits • Source year 2013

Net Margin

84th percentile

31%

Higher net margin than 84% of similar nonprofits.

2013 filings • <$500k nonprofits • Source year 2013

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • <$500k nonprofits • Source year 2013

Asset Growth

42nd percentile

-1.4%

Faster asset growth than 42% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Revenue Growth

63rd percentile

9.9%

Faster revenue growth than 63% of similar nonprofits.

2013 filings • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$469,208

Down $6,824 (-1.4%) from 2012

Net Assets

Down

$469,016

Down $6,846 (-1.4%) from 2012

Liabilities

Up

$192

Up $22 (+13%) from 2012

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin84th percentile

Revenue

Up

$21,515

Up $1,942 (+9.9%) from 2012

Expenses

Up

$14,805

Up $539 (+3.8%) from 2012

Net Income

Up

$6,710

Up $1,403 (+26%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$600K$400K$200K$0Assets 2011: $450,127Liabilities 2011: $170Net Assets 2011: $449,9572011Assets 2012: $476,032Liabilities 2012: $170Net Assets 2012: $475,8622012Assets 2013: $469,208Liabilities 2013: $192Net Assets 2013: $469,0162013

Highlighted filing

2013

Assets$469,208
Liabilities$192
Net Assets$469,016
Open 2013 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30K$20K$10K$0Revenue 2011: $20,425Expenses 2011: $15,322Net Income 2011: $5,1032011Revenue 2012: $19,573Expenses 2012: $14,266Net Income 2012: $5,3072012Revenue 2013: $21,515Expenses 2013: $14,805Net Income 2013: $6,7102013

Highlighted filing

2013

Revenue$21,515
Expenses$14,805
Net Income$6,710
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 7, 2014
Return Version
2013v3.1
Gross Receipts
$21,515
Mission and Program Overview

Mission

CREDIT UNION

Program Services

DescriptionGrantsExpenses
CREDIT UNION FORMED FOR BENEFIT OF MEMBERS--
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
FRANK PERSONSPres-$0--
DONALD MANGANV.P.-$0--
JOHN SCHREINFORFERTreas-$0--
MICHAEL HILLSec-$0--
Filing and Contact Details

Filer

EIN
03-6010147

Signing Officer

Name
John Schreindorfer
Title
Treasurer
Signed
2014-11-07

Preparer

Preparer
Christopher Branagan
Phone
8025249531
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8

“Other revenue 150 total 150”

Form 990-ez, Part I, Line 16

“Expenses supplies 686 professional fees 2,879 exam fee 2,000 insurance 3,468 misc 256 dues 535 premium assessment 351 total 10,175”

Form 990-ez, Part I, Line 20

“Paid in capital 0 return of capital -13,556”

Form 990-ez, Part II, Line 24

“Other loans receivable 423,182 362,456 less allowance 7,322 8,300 net 415,860 354,156 deposits 5,742 5,620 total 421,602 359,776”

Form 990-ez, Part II, Line 26

“Accounts payable and accrued expenses 170 192”

Raw XML Appendix109 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
CompensationExplanation/CompensationExplanationGrp/PersonNm0FRANK PERSONS
CompensationExplanation/CompensationExplanationGrp/PersonNm1DONALD MANGAN
CompensationExplanation/CompensationExplanationGrp/PersonNm2JOHN SCHREINFORFER
CompensationExplanation/CompensationExplanationGrp/PersonNm3MICHAEL HILL
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JOHN SCHREINDORFER
IRS990EZ/BooksInCareOfDetail/PhoneNum08028276684
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine10PO BOX 21
IRS990EZ/BooksInCareOfDetail/USAddress/City0FAIRFIELD
IRS990EZ/BooksInCareOfDetail/USAddress/State0VT
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCode005455
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt054430
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0109432
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt06710
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0476032
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0469208
IRS990EZ/GrossReceiptsAmt021515
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt071
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0475862
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0469016
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0475862
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0469016
IRS990EZ/OccupancyRentUtltsAndMaintAmt02220
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0FRANK PERSONS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1DONALD MANGAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JOHN SCHREINFORFER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3MICHAEL HILL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1V.P.
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2TREAS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SEC
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0421602
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0359776
IRS990EZ/OtherChangesInNetAssetsAmt0-13556
IRS990EZ/OtherExpensesTotalAmt010175
IRS990EZ/OtherRevenueTotalAmt0150
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0CREDIT UNION
IRS990EZ/ProgramServiceRevenueAmt021294
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CREDIT UNION FORMED FOR BENEFIT OF MEMBERS
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt02410
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0170
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0192
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt014805
IRS990EZ/TotalRevenueAmt021515
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER REVENUE 150 TOTAL 150
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPENSES SUPPLIES 686 PROFESSIONAL FEES 2,879 EXAM FEE 2,000 INSURANCE 3,468 MISC 256 DUES 535 PREMIUM ASSESSMENT 351 TOTAL 10,175
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PAID IN CAPITAL 0 RETURN OF CAPITAL -13,556
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3OTHER LOANS RECEIVABLE 423,182 362,456 LESS ALLOWANCE 7,322 8,300 NET 415,860 354,156 DEPOSITS 5,742 5,620 TOTAL 421,602 359,776
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ACCOUNTS PAYABLE AND ACCRUED EXPENSES 170 192
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN SCHREINDORFER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-07
ReturnHeader/Filer/BusinessName/BusinessNameLine10ST PATRICK'S PARISH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STPA
ReturnHeader/Filer/EIN0036010147
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 21
ReturnHeader/Filer/USAddress/City0FAIRFIELD
ReturnHeader/Filer/USAddress/State0VT
ReturnHeader/Filer/USAddress/ZIPCode005455
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0030302296
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10KITTELL BRANAGAN & SARGENT CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10154 N MAIN ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0ST ALBANS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0VT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode005478
ReturnHeader/PreparerPersonGrp/PhoneNum08025249531
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER BRANAGAN
ReturnHeader/ReturnTs02014-11-07T14:23:13-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$469,208
Liabilities
$192
Net assets
$469,016
Revenue
$21,515
Expenses
$14,805
Net income
$6,710
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$4.69$0.00$4.69$0.22$0.15$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.76$0.00$4.76$0.20$0.14$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.50$0.00$4.50$0.20$0.15$0.05