Civic Intelligence

St Augustine Credit Union

990 • Fiscal year 2021 • EIN 23-7040335

Jan 01, 2021 to Dec 31, 2021 • Filed on May 12, 2022

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

3rd percentile

0.00x

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

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

10th percentile

0.00x

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

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

89th percentile

24%

Higher net margin than 89% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

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

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

48th percentile

3.1%

Faster asset growth than 48% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

42nd percentile

-9.2%

Faster revenue growth than 42% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$1,586,217

Up $48,339 (+3.1%) from 2020

Net Assets

Up

$1,586,217

Up $48,339 (+3.1%) from 2020

Liabilities

Flat

$0

Flat from 2020

Revenue And Expenses
Liabilities / Revenue10th percentileNet Margin89th percentile

Revenue

Down

$38,240

Down $3,853 (-9.2%) from 2020

Expenses

Down

$29,095

Down $2,953 (-9.2%) from 2020

Net Income

Down

$9,145

Down $900 (-9.0%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth48th 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

2021

Assets$1,586,217
Liabilities$0
Net Assets$1,586,217
Open 2021 Filing

Operations Trend

Revenue Growth42nd 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

2021

Revenue$38,240
Expenses$29,095
Net Income$9,145
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 12, 2022
Return Version
2021v4.0
Gross Receipts
$38,240
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$1,385,832$1,424,890▲ $39,058
Other Notes and Loans Receivable, Net$1,066,391$842,053▼ $224,338
Savings and Temporary Cash Investments$349,672$611,949▲ $262,277
Rtn Earn Endowment Incm Other Fnds$150,696$159,847▲ $9,151
Cash and Non-Interest-Bearing Accounts$21,865$67,095▲ $45,230
Receivables From Officers Etc$84,702$50,563▼ $34,139
Pd in Cap Srpls Land Bldg Eqp Fund$1,350$1,480▲ $130
Accounts Receivable$1,662$1,339▼ $323
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$1,537,878$1,586,217▲ $48,339
Other Assets Total$12,782$12,414▼ $368
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
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$1,537,878$1,586,217▲ $48,339
Total Liabilities and Net Assets / Fund Balance$1,537,878$1,586,217▲ $48,339
Compensation and Service Providers
Top Officer Pay29th 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 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
$34,987
Investment Income
$3,253
Other Revenue
$0
Change in Net Assets
$9,145
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,751
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$10,344--$10,344
Occupancy-$7,628-$7,628
Insurance-$4,253-$4,253
Fees for Services Accounting$3,540--$3,540
Information Technology-$1,207-$1,207
Office Expenses-$1,111-$1,111
Fees for Services Other$1,012--$1,012
Total Functional Expenses$14,896$14,199$0$29,095
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$84,702$50,563▼ $34,139
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
Audit committee
Yes
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 the annual meeting. This meeting is usually once a year and all that attend can vote to elect a new board member.”

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

“This form 990 is reviewed by the Manager and then filed. It is made available to the board members at the next board meeting, but not to review before submitting.”

Form 990, Part VI, Section C, Line 19

“This year we mailed the year end financial statement with their annual statement in January and will make any of this available to any member at the annual meeting. We also put a notice at the top of their statement: If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notice and Disclosures are available by calling 270-3724.”

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
2022-05-12

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 higher, our regular reserves were up and accrued CPA expense was up. All three added up to a change of $39,194.”

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IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt038240
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0150696
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0159847
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0349672
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0611949
IRS990/ScheduleBRequiredInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt019052
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt111842
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt219669
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2RV
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt044908
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt145000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt247495
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Marilyn Friend
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Mark Essner
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Laurie Essner
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Credit Committee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Vice President of Board
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Manager
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/TotalBalanceDueAmt050563
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 the annual meeting. This meeting is usually once a year and all that attend can vote to elect a new board member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2This form 990 is reviewed by the Manager and then filed. It is made available to the board members at the next board meeting, but not to review before submitting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3This year we mailed the year end financial statement with their annual statement in January and will make any of this available to any member at the annual meeting. We also put a notice at the top of their statement: If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notice and Disclosures are available by calling 270-3724.
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 higher, our regular reserves were up and accrued CPA expense was up. All three added up to a change of $39,194.
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/TotalAssetsBOYAmt01537878
IRS990/TotalAssetsEOYAmt01586217
IRS990/TotalAssetsGrp/BOYAmt01537878
IRS990/TotalAssetsGrp/EOYAmt01586217
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014199
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt014896
IRS990/TotalFunctionalExpensesGrp/TotalAmt029095
IRS990/TotalGrossUBIAmt0963
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01537878
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01586217
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt034024
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt034987
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0963
IRS990/TotalProgramServiceExpensesAmt014896
IRS990/TotalProgramServiceRevenueAmt034987
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt037277
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt038240
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0963
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01537878
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01586217
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

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,586,217
Liabilities
$0
Net assets
$1,586,217
Revenue
$38,240
Expenses
$29,095
Net income
$9,145
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