Civic Intelligence

St Augustine Credit Union

990 • Fiscal year 2022 • EIN 23-7040335

Jan 01, 2022 to Dec 31, 2022 • Filed on May 15, 2023

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.

2022 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2022

Liabilities / Revenue

8th percentile

0.00x

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

2022 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2022

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

2022 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

26th percentile

$0

Higher top officer pay than 26% of similar nonprofits.

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

2022 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2022

Asset Growth

80th percentile

4.6%

Faster asset growth than 80% of similar nonprofits.

2022 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

70th percentile

7.4%

Faster revenue growth than 70% of similar nonprofits.

2022 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$1,659,840

Up $73,623 (+4.6%) from 2021

Net Assets

Up

$1,659,840

Up $73,623 (+4.6%) from 2021

Liabilities

Flat

$0

Flat from 2021

Revenue And Expenses
Liabilities / Revenue8th percentileNet Margin88th percentile

Revenue

Up

$41,058

Up $2,818 (+7.4%) from 2021

Expenses

Up

$31,075

Up $1,980 (+6.8%) from 2021

Net Income

Up

$9,983

Up $838 (+9.2%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth80th 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

2022

Assets$1,659,840
Liabilities$0
Net Assets$1,659,840
Open 2022 Filing

Operations Trend

Revenue Growth70th 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

2022

Revenue$41,058
Expenses$31,075
Net Income$9,983
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 15, 2023
Return Version
2022v5.0
Gross Receipts
$41,058
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$1,424,890$1,488,467▲ $63,577
Other Notes and Loans Receivable, Net$842,053$961,981▲ $119,928
Savings and Temporary Cash Investments$611,949$616,432▲ $4,483
Rtn Earn Endowment Incm Other Fnds$159,847$169,823▲ $9,976
Cash and Non-Interest-Bearing Accounts$67,095$39,559▼ $27,536
Receivables From Officers Etc$50,563$26,811▼ $23,752
Pd in Cap Srpls Land Bldg Eqp Fund$1,480$1,550▲ $70
Accounts Receivable$1,339$1,365▲ $26
Prepaid Expenses and Deferred Charges$804$888▲ $84
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Investments in Publicly Traded Securities$0--
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,586,217$1,659,840▲ $73,623
Other Assets Total$12,414$12,804▲ $390
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$1,586,217$1,659,840▲ $73,623
Total Liabilities and Net Assets / Fund Balance$1,586,217$1,659,840▲ $73,623
Compensation and Service Providers
Top Officer Pay26th 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
$33,826
Investment Income
$7,232
Other Revenue
$0
Change in Net Assets
$9,983

Audited Revenue Reconciliation

Revenue per Audited Statements
$41,058
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$41,058
Total Revenue per Form 990
$41,058
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,605
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---$11,470
Occupancy---$8,186
Insurance---$4,249
Fees for Services Accounting---$3,539
Office Expenses---$2,383
Information Technology---$1,248
Total Functional Expenses$0$0$0$31,075

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,075
Total Expenses per Audited Statements$31,075
Total Expenses per Form 990$31,075
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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$50,563$26,811▼ $23,752
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
Yes
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 a share account with us.”

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 for 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

“We make available by request our year end financial statement as well as handing it out at the annual meeting. We also put a notice at the top of their annual Statement mailed in January the following: If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notice ad Disclosures are available by calling 573-270-3724.”

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
2023-05-15

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

Financial Statement Notes

Schedule D, Part XII, Line 2D

“This is dividends paid”

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IRS990/PYInvestmentIncomeAmt03253
IRS990/PYOtherExpensesAmt018751
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt034987
IRS990/PYRevenuesLessExpensesAmt09145
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt029095
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt038240
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt050563
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt026811
IRS990/ReconcilationRevenueExpnssAmt09983
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0159847
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0169823
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0611949
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0616432
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt031075
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt041058
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0This is dividends paid
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part XII, Line 2d
IRS990ScheduleD/TotalExpensesPerForm990Amt031075
IRS990ScheduleD/TotalRevenuePerForm990Amt041058
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt041058
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt031075
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt012457
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11679
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt212675
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/TotalBalanceDueAmt026811
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Every customer is a member of our credit union when they open up a share account with us.
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 for 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/ExplanationTxt3We make available by request our year end financial statement as well as handing it out at the annual meeting. We also put a notice at the top of their annual Statement mailed in January the following: If you have any questions or concerns about your statement you can contact one of the Supervisory Committee along with Notice ad Disclosures are available by calling 573-270-3724.
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/TotalAssetsBOYAmt01586217
IRS990/TotalAssetsEOYAmt01659840
IRS990/TotalAssetsGrp/BOYAmt01586217
IRS990/TotalAssetsGrp/EOYAmt01659840
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt031075
IRS990/TotalGrossUBIAmt0944
IRS990/TotalLiabilitiesBOYAmt00
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt00
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01586217
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01659840
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt032882
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt033826
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0944
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt033826

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,659,840
Liabilities
$0
Net assets
$1,659,840
Revenue
$41,058
Expenses
$31,075
Net income
$9,983
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