Civic Intelligence

Springfield Catholic Credit Union

990 • Fiscal year 2014 • EIN 23-7100203

Jan 01, 2014 to Dec 31, 2014 • Filed on Sep 03, 2015

Organization ProfileWWW.SPRINGFIELDCATHOLICCU.COM
1029 S CampbellSpringfield, MO 65807

(417) 862-7074

Siviq Scores

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

Liabilities / Assets

47th percentile

0.83x

Higher debt load relative to assets than 47% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

69th percentile

20.87x

Higher debt load relative to revenue than 69% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

23rd percentile

-8.0%

Higher net margin than 23% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

76th percentile

$47,347

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 28.7% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

24th percentile

-5.1%

Faster asset growth than 24% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

39th percentile

-4.2%

Faster revenue growth than 39% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$4,171,374

Down $225,325 (-5.1%) from 2013

Net Assets

Down

$722,489

Down $13,244 (-1.8%) from 2013

Liabilities

Down

$3,448,885

Down $212,081 (-5.8%) from 2013

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin23rd percentile

Revenue

Down

$165,240

Down $7,264 (-4.2%) from 2013

Expenses

Up

$178,507

Up $1,163 (+0.7%) from 2013

Net Income

Down

-$13,267

Down $8,427 (-174%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $4,515,810Liabilities 2011: $3,782,355Net Assets 2011: $733,4552011Assets 2012: $4,782,339Liabilities 2012: $4,041,804Net Assets 2012: $740,5352012Assets 2013: $4,396,699Liabilities 2013: $3,660,966Net Assets 2013: $735,7332013Assets 2014: $4,171,374Liabilities 2014: $3,448,885Net Assets 2014: $722,4892014Assets 2015: $3,848,416Liabilities 2015: $3,131,052Net Assets 2015: $717,3642015Assets 2016: $3,811,845Liabilities 2016: $3,101,101Net Assets 2016: $710,7442016Assets 2017: $3,957,022Liabilities 2017: $3,255,426Net Assets 2017: $701,5962017

Highlighted filing

2014

Assets$4,171,374
Liabilities$3,448,885
Net Assets$722,489
Open 2014 Filing

Operations Trend

Revenue Growth39th percentile

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

$300K$200K$100K$0-$100KExpenses 2011: $227,0492011Expenses 2012: $190,8192012Revenue 2013: $172,504Expenses 2013: $177,344Net Income 2013: -$4,8402013Revenue 2014: $165,240Expenses 2014: $178,507Net Income 2014: -$13,2672014Revenue 2015: $169,250Expenses 2015: $174,399Net Income 2015: -$5,1492015Revenue 2016: $162,212Expenses 2016: $169,764Net Income 2016: -$7,5522016Revenue 2017: $148,166Expenses 2017: $157,333Net Income 2017: -$9,1672017

Highlighted filing

2014

Revenue$165,240
Expenses$178,507
Net Income-$13,267
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Sep 3, 2015
Return Version
2014v5.0
Gross Receipts
$165,240
Mission and Program Overview

Mission

Established to provide quality financial services to members who share our common bond and exist for the financial benefit of the members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,103,702$2,147,653▲ $43,951
Investments Other Securities$2,045,507$1,801,403▼ $244,104
Rtn Earn Endowment Incm Other Fnds$735,733$722,489▼ $13,244
Land, Buildings, and Equipment, Net$111,174$122,796▲ $11,622
Savings and Temporary Cash Investments$79,883$39,158▼ $40,725
Investments Program Related$40,232$36,477▼ $3,755
Cash and Non-Interest-Bearing Accounts$9,602$9,443▼ $159
Prepaid Expenses and Deferred Charges$732$1,199▲ $467
Total Assets$4,396,699$4,171,374▼ $225,325
Other Assets Total$5,867$13,245▲ $7,378
Liabilities
Other Liabilities$3,647,673$3,437,634▼ $210,039
Accounts Payable and Accrued Expenses$13,293$11,251▼ $2,042
Total Liabilities$3,660,966$3,448,885▼ $212,081
Net Assets / Fund Balance
Total Net Assets Fund Balance$735,733$722,489▼ $13,244
Total Liabilities and Net Assets / Fund Balance$4,396,699$4,171,374▼ $225,325

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$54,999$47,308$102,307
Equipment$14,922$80,622$95,544
Land$52,875-$52,875
Other Securities$1,801,403--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Steve San PaoloPresidentFT$45,968$1,379$47,347

Board Members and Trustees

NameTitle
Richard L MccabeChairman
Thomas a SaittaVice-chairma
Mike BennaBoard Member
John H MeeseSecretary
Santiago GagliardiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$148,981
Investment Income
$16,259
Other Revenue
$0
Change in Net Assets
$-13,267

Audited Revenue Reconciliation

Revenue per Audited Statements
$165,240
Total Revenue per Audited Statements
$165,240
Total Revenue per Form 990
$165,240
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$109,886
Other Expenses$68,621
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$52,306
Current Officers, Directors, Trustees, and Key Employees---$47,347
Insurance---$10,149
Occupancy---$9,911
Interest---$9,768
Payroll Taxes---$8,206
Information Technology---$7,303
Fees for Services Accounting---$6,410
Depreciation Depletion---$4,944
Office Expenses---$3,585
Advertising---$2,110
Other Employee Benefits---$2,027
Other Expenses---$907
Conferences and Meetings---$612
All Other Expenses---$267
Fees for Services Other---$40
Total Functional Expenses$0$0$0$178,507

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$178,507
Total Expenses per Audited Statements$178,507
Total Expenses per Form 990$178,507
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Deposits$3,437,634
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The members of the credit union are considered to be the owners of the organization.”

Form 990, Page 6, Part VI, Line 7A

“The members of the credit union elect the board of directors to rotating terms of three years each on an annual basis.”

Form 990, Page 6, Part VI, Line 7B

“Members must, by majority vote, elect to change the by-laws and approve mergers with other credit unions.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the president before signing the electronic filing authorization form. After approval by the president, and electronic filing by the cpa, a copy of the return is provided to the board of directors at their next monthly meeting.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors approves the president's compensation based on a review of external salary reports and the performance of the organization.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors reviews and approves compensation based on internal and external data and the performance of the organization.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are presented at the annual meeting and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents and policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Springfield Catholic Credit Union
EIN
23-7100203
Phone
4178627074
Address
1029 S CAMPBELL, SPRINGFIELD, MO 65807

Signing Officer

Name
Steve San Paolo
Title
President
Phone
4178627074
Signed
2015-09-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve San Paolo
Formed
1955
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
9

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC RD, SPRINGFIELD, MO 65804
Preparer
Andrew C Clemens CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“MEMBERSHIP FEES 23”

Financial Statement Notes

Schedule D, Page 3, Part X

“The credit union is exempt from income taxes under the internal revenue code and similar state statutes. The credit union has analyzed the tax positions taken and has concluded that as of december 31, 2014 and 2013, there are no uncertain positions taken, or expected to be taken, that would require recognition of an asset or liability or disclosure in the financial statements. A tax asset or liability would be recognized if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by taxing authorities. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit union believes it is no longer subject to income tax examinations for years prior to 2011. However, tax years prior to 2011 remain subject to examination by certain states. The credit union does not believe it likely that changes will occur within the next fiscal year that will have a material impact on the financial statements.”

Raw XML Appendix339 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.

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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM INCOME TAXES UNDER THE INTERNAL REVENUE CODE AND SIMILAR STATE STATUTES. THE CREDIT UNION HAS ANALYZED THE TAX POSITIONS TAKEN AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2014 AND 2013, THERE ARE NO UNCERTAIN POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, THAT WOULD REQUIRE RECOGNITION OF AN ASSET OR LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. A TAX ASSET OR LIABILITY WOULD BE RECOGNIZED IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2011. HOWEVER, TAX YEARS PRIOR TO 2011 REMAIN SUBJECT TO EXAMINATION BY CERTAIN STATES. THE CREDIT UNION DOES NOT BELIEVE IT LIKELY THAT CHANGES WILL OCCUR WITHIN THE NEXT FISCAL YEAR THAT WILL HAVE A MATERIAL IMPACT ON THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0122796
IRS990ScheduleD/TotalBookValueSecuritiesAmt01801403
IRS990ScheduleD/TotalExpensesPerForm990Amt0178507
IRS990ScheduleD/TotalLiabilityAmt03437634
IRS990ScheduleD/TotalRevenuePerForm990Amt0165240
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0165240
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0178507
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS TO ROTATING TERMS OF THREE YEARS EACH ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS MUST, BY MAJORITY VOTE, ELECT TO CHANGE THE BY-LAWS AND APPROVE MERGERS WITH OTHER CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE PRESIDENT BEFORE SIGNING THE ELECTRONIC FILING AUTHORIZATION FORM. AFTER APPROVAL BY THE PRESIDENT, AND ELECTRONIC FILING BY THE CPA, A COPY OF THE RETURN IS PROVIDED TO THE BOARD OF DIRECTORS AT THEIR NEXT MONTHLY MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVES THE PRESIDENT'S COMPENSATION BASED ON A REVIEW OF EXTERNAL SALARY REPORTS AND THE PERFORMANCE OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES COMPENSATION BASED ON INTERNAL AND EXTERNAL DATA AND THE PERFORMANCE OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MEMBERSHIP FEES 23
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04396699
IRS990/TotalAssetsEOYAmt04171374
IRS990/TotalAssetsGrp/BOYAmt04396699
IRS990/TotalAssetsGrp/EOYAmt04171374
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0178507
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03660966
IRS990/TotalLiabilitiesEOYAmt03448885
IRS990/TotalLiabilitiesGrp/BOYAmt03660966
IRS990/TotalLiabilitiesGrp/EOYAmt03448885
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0735733
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0722489
IRS990/TotalOtherCompensationAmt01379
IRS990/TotalProgramServiceRevenueAmt0148981
IRS990/TotalReportableCompFromOrgAmt045968
IRS990/TotalRevenueGrp/ExclusionAmt016259
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0148981
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0165240
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04396699
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04171374
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01029 S CAMPBELL
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065807
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.SPRINGFIELDCATHOLICCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVE SAN PAOLO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04178627074
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-09-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPRINGFIELD CATHOLIC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPRI
ReturnHeader/Filer/EIN0237100203
ReturnHeader/Filer/PhoneNum04178627074
ReturnHeader/Filer/USAddress/AddressLine1Txt01029 S CAMPBELL
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431109768
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KPM CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01445 E REPUBLIC RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SPRINGFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065804
ReturnHeader/PreparerPersonGrp/PhoneNum04178824300
ReturnHeader/PreparerPersonGrp/PreparationDt02015-10-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDREW C CLEMENS CPA
ReturnHeader/ReturnTs02015-10-30T07:57:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,171,374
Liabilities
$3,448,885
Net assets
$722,489
Revenue
$165,240
Expenses
$178,507
Net income
-$13,267
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$3.96$3.26$0.70$0.15$0.16$0.01
2016Detailed filing. Detailed filing data is available for this year.$3.81$3.10$0.71$0.16$0.17$0.01
2015Detailed filing. Detailed filing data is available for this year.$3.85$3.13$0.72$0.17$0.17$0.01
2014Detailed filing. Detailed filing data is available for this year.$4.17$3.45$0.72$0.17$0.18$0.01
2013Detailed filing. Detailed filing data is available for this year.$4.40$3.66$0.74$0.17$0.18$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.78$4.04$0.74$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.52$3.78$0.73$0.23