Civic Intelligence

St Augustine Credit Union

EIN 23-7040335 • 501(c)14 • Kelso, MO

Profile

St. Augustine Credit Union supports our small community of Kelso, MO by offering great rates on dividends for share accounts and low interest rates on titled vehicle loans to St. Augustine Parish members and their immediate family.

PO Box 6Kelso, MO 63758
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

4th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

26th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

90th percentile

23%

Higher net margin than 90% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

73rd percentile

0.1%

Faster asset growth than 73% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Revenue Growth

87th percentile

25%

Faster revenue growth than 87% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets4th percentile

Assets

Up

$1,664,242

Up $7,847 (+0.5%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$1,664,242

Up $7,847 (+0.5%) from 2023

Operations
Liabilities / Revenue26th percentileNet Margin90th percentile

Revenue

Up

$64,182

Up $3,900 (+6.5%) from 2023

Expenses

Up

$49,439

Up $6,861 (+16%) from 2023

Net Income

Down

$14,743

Down $2,961 (-17%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2019: $1,564,622Liabilities 2019: $0Net Assets 2019: $1,564,6222019Assets 2020: $1,537,878Liabilities 2020: $0Net Assets 2020: $1,537,8782020Assets 2021: $1,586,217Liabilities 2021: $0Net Assets 2021: $1,586,2172021Assets 2022: $1,659,840Liabilities 2022: $0Net Assets 2022: $1,659,8402022Assets 2023: $1,656,395Liabilities 2023: $0Net Assets 2023: $1,656,3952023Assets 2024: $1,664,242Liabilities 2024: $0Net Assets 2024: $1,664,2422024

Highlighted filing

2024

Assets$1,664,242
Liabilities$0
Net Assets$1,664,242
Open 2024 Filing

Operations Trend

Revenue Growth87th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$80K$60K$40K$20K$0Revenue 2019: $44,713Expenses 2019: $37,832Net Income 2019: $6,8812019Revenue 2020: $42,093Expenses 2020: $32,048Net Income 2020: $10,0452020Revenue 2021: $38,240Expenses 2021: $29,095Net Income 2021: $9,1452021Revenue 2022: $41,058Expenses 2022: $31,075Net Income 2022: $9,9832022Revenue 2023: $60,282Expenses 2023: $42,578Net Income 2023: $17,7042023Revenue 2024: $64,182Expenses 2024: $49,439Net Income 2024: $14,7432024

Highlighted filing

2024

Revenue$64,182
Expenses$49,439
Net Income$14,743
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,664,242
Liabilities
$0
Net assets
$1,664,242
Revenue
$64,182
Expenses
$49,439
Net income
$14,743
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.66$0.00$1.66$0.06$0.05$0.01
2023Detailed filing. Detailed filing data is available for this year.$1.66$0.00$1.66$0.06$0.04$0.02
2022Detailed filing. Detailed filing data is available for this year.$1.66$0.00$1.66$0.04$0.03$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.59$0.00$1.59$0.04$0.03$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.54$0.00$1.54$0.04$0.03$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.56$0.00$1.56$0.04$0.04$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 2, 2025
Return Version
2024v5.0
Gross Receipts
$64,182
Mission and Program Overview

Mission

St. Augustine Credit Union supports our small community of Kelso, MO by offering great rates on dividends for share accounts and low interest rates on titled vehicle loans to St. Augustine Parish members and their immediate family.

St. Augustine Credit Union supports our small community of Kelso, MO by offering great rates on dividends for share accounts and low interest rates on titled loans to St. Augustine Parish members or immediate family members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$1,467,292$1,460,472▼ $6,820
Other Notes and Loans Receivable, Net$1,364,508$1,211,395▼ $153,113
Savings and Temporary Cash Investments$112,200$228,173▲ $115,973
Rtn Earn Endowment Incm Other Fnds$187,528$202,270▲ $14,742
Cash and Non-Interest-Bearing Accounts$125,245$177,768▲ $52,523
Receivables From Officers Etc$38,042$29,156▼ $8,886
Accounts Receivable$2,072$2,108▲ $36
Pd in Cap Srpls Land Bldg Eqp Fund$1,575$1,500▼ $75
Prepaid Expenses and Deferred Charges$888$969▲ $81
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,656,395$1,664,242▲ $7,847
Other Assets Total$13,440$14,673▲ $1,233
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,656,395$1,664,242▲ $7,847
Total Liabilities and Net Assets / Fund Balance$1,656,395$1,664,242▲ $7,847
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Jack DannenmuellerChairman of the Board of Directors
Mark EssnerVice Chairman of the Board of Directors
Brenda ArnzenDirector of Board of directors
Craig HeissererDirector of Board of Directors
Danny RainesDirector of Board of Directors
Tina BlattelDirector of Board of Directors
Mary Kay SchlosserSecretary/Treasurer Board of Directors
Laurie EssnerManager of Credit Union
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$58,209
Investment Income
$5,973
Other Revenue
$0
Change in Net Assets
$14,743
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,237
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$24,202
Occupancy---$12,795
Fees for Services Accounting---$4,891
Insurance---$4,184
Office Expenses---$1,977
Information Technology---$1,390
Total Functional Expenses$0$0$0$49,439
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$38,042$29,156▼ $8,886
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“We have share accounts so all members belonging to St. Augustine Credit Union have a share account.”

Form 990, Part VI, Section A, Line 7A

“We have an annual meeting and all members can vote on new board members or other officers at this meeting.”

Form 990, Part VI, Section B, Line 11B

“I give them a copy after filing and all board members are fine with this procedure.”

Form 990, Part VI, Section C, Line 19

“We added to the annual statement to contact our office and request the documents if they are interested in seeing the financial statement or the disclosure statement. I also have financial statements handed out at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
St Augustine Credit Union
EIN
23-7040335
Phone
5732703724
Address
PO BOX 6, KELSO, MO 63758

Signing Officer

Name
Laurie Essner
Title
Manager
Phone
5732703724
Signed
2025-05-02

Organization Details

Principal Officer
Laurie Essner
Formed
1933
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
13
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01364508
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01211395
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01575
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01500
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0888
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0969
IRS990/PrincipalOfficerNm0Laurie Essner
IRS990/PriorPeriodAdjustmentsAmt0-6896
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt018553
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt016160
IRS990/PYOtherExpensesAmt024025
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt044122
IRS990/PYRevenuesLessExpensesAmt017704
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt042578
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt060282
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt038042
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt029156
IRS990/ReconcilationRevenueExpnssAmt014743
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt057514
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0187528
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0202270
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0112200
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0228173
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We have share accounts so all members belonging to St. Augustine Credit Union have a share account.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1We have an annual meeting and all members can vote on new board members or other officers at this meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2I give them a copy after filing and all board members are fine with this procedure.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3We added to the annual statement to contact our office and request the documents if they are interested in seeing the financial statement or the disclosure statement. I also have financial statements handed out at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MO
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01656395
IRS990/TotalAssetsEOYAmt01664242
IRS990/TotalAssetsGrp/BOYAmt01656395
IRS990/TotalAssetsGrp/EOYAmt01664242
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt049439
IRS990/TotalGrossUBIAmt0694
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01656395
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01664242
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt057515
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt058209
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0694
IRS990/TotalProgramServiceExpensesAmt04085
IRS990/TotalProgramServiceRevenueAmt058209
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt063488
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt064182
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0694
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01656395
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01664242
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0210 Dogwood
IRS990/USAddress/CityNm0Scott City
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063780
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laurie Essner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05732703724
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST AUGUSTINE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAU
ReturnHeader/Filer/EIN0237040335
ReturnHeader/Filer/PhoneNum05732703724
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 6
ReturnHeader/Filer/USAddress/CityNm0KELSO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063758
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-05-02T11:17:48-07:00
ReturnHeader/ReturnTypeCd0990

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