Civic Intelligence

St Augustine Credit Union

990 • Fiscal year 2020 • EIN 23-7040335

Jan 01, 2020 to Dec 31, 2020 • Filed on May 12, 2021

Organization Profile
PO Box 6Kelso, MO 63758

(573) 270-3724

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.00x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

5th percentile

0.00x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

91st percentile

24%

Higher net margin than 91% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

15th percentile

-1.7%

Faster asset growth than 15% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

61st percentile

-5.9%

Faster revenue growth than 61% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Down

$1,537,878

Down $26,744 (-1.7%) from 2019

Net Assets

Down

$1,537,878

Down $26,744 (-1.7%) from 2019

Liabilities

Flat

$0

Flat from 2019

Revenue And Expenses
Liabilities / Revenue5th percentileNet Margin91st percentile

Revenue

Down

$42,093

Down $2,620 (-5.9%) from 2019

Expenses

Down

$32,048

Down $5,784 (-15%) from 2019

Net Income

Up

$10,045

Up $3,164 (+46%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth15th percentile

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

$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

2020

Assets$1,537,878
Liabilities$0
Net Assets$1,537,878
Open 2020 Filing

Operations Trend

Revenue Growth61st percentile

Revenue, expenses, and net income across loaded years, with this 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

2020

Revenue$42,093
Expenses$32,048
Net Income$10,045
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 12, 2021
Return Version
2020v4.0
Gross Receipts
$42,093
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$1,422,657$1,385,832▼ $36,825
Other Notes and Loans Receivable, Net$1,252,979$1,066,391▼ $186,588
Savings and Temporary Cash Investments$125,704$349,672▲ $223,968
Rtn Earn Endowment Incm Other Fnds$140,640$150,696▲ $10,056
Receivables From Officers Etc$117,801$84,702▼ $33,099
Cash and Non-Interest-Bearing Accounts$52,741$21,865▼ $30,876
Accounts Receivable$1,800$1,662▼ $138
Pd in Cap Srpls Land Bldg Eqp Fund$1,325$1,350▲ $25
Prepaid Expenses and Deferred Charges$804$804→ $0
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$1,564,622$1,537,878▼ $26,744
Other Assets Total$12,793$12,782▼ $11
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$1,564,622$1,537,878▼ $26,744
Total Liabilities and Net Assets / Fund Balance$1,564,622$1,537,878▼ $26,744
Compensation and Service Providers
Top Officer Pay22nd percentile

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 CopeDirector 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
$42,093
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$10,045
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,255
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$12,793--$12,793
Occupancy-$8,413-$8,413
Insurance-$4,680-$4,680
Fees for Services Accounting$3,882--$3,882
Other Expenses$1,277$0$0$1,277
Office Expenses-$1,003-$1,003
Total Functional Expenses$17,952$14,096$0$32,048
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
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$117,801$84,702▼ $33,099
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

“Every customer is a member of our credit union when they open up an account.”

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

“Our credit union elects new board members by all members that attend a meeting can vote on and elect a new board member, usually at the annual meeting.”

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

“This form 990 is reviewed only by the manager and not by any board members.”

Form 990, Part VI, Section C, Line 19

“On our Annual Statements we mailed to all our members we had on the top of their statement the following, If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notices and Disclosures are available by calling 270-3724. We mailed a Financial Statement with their annual statement and we will make any of this available to any member 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
2021-05-12

Organization Details

Principal Officer
Jack Dannenmueller
Formed
1933
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
14
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Other changes in Net Assets or Fund Balances explanation: From the beginning of the year to the end of the year our shares were lower. our regular reserves were up and accrued CPA expense was down. The difference from all three was a negative change of $36,789.00”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3RV
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt025000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt144908
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt245000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt347495
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Linda Menz
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Marilyn Friend
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Mark Essner
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Laurie Essner
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Credit Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Credit Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Vice President of Board of Directors
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Manager of Credit Union
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt078237
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Every customer is a member of our credit union when they open up an account.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Our credit union elects new board members by all members that attend a meeting can vote on and elect a new board member, usually at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2This form 990 is reviewed only by the manager and not by any board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3On our Annual Statements we mailed to all our members we had on the top of their statement the following, If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notices and Disclosures are available by calling 270-3724. We mailed a Financial Statement with their annual statement and we will make any of this available to any member at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Other changes in Net Assets or Fund Balances explanation: From the beginning of the year to the end of the year our shares were lower. our regular reserves were up and accrued CPA expense was down. The difference from all three was a negative change of $36,789.00
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part XI, Line 9
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/TotalAssetsBOYAmt01564622
IRS990/TotalAssetsEOYAmt01537878
IRS990/TotalAssetsGrp/BOYAmt01564622
IRS990/TotalAssetsGrp/EOYAmt01537878
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014096
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt017952
IRS990/TotalFunctionalExpensesGrp/TotalAmt032048
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01564622
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01537878
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt01993
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt01993
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt017952
IRS990/TotalProgramServiceRevenueAmt042093
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt042093
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt042093
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01564622
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01537878
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02210 Main Street
IRS990/USAddress/CityNm0Scott City
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063780
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laurie Essner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05732703724
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-05-12
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/ReturnTs02021-05-12T15:59:37-07:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,537,878
Liabilities
$0
Net assets
$1,537,878
Revenue
$42,093
Expenses
$32,048
Net income
$10,045
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