Civic Intelligence

Springfield Catholic Credit Union

990 • Fiscal year 2015 • EIN 23-7100203

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 11, 2016

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

44th percentile

0.81x

Higher debt load relative to assets than 44% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

55th percentile

18.50x

Higher debt load relative to revenue than 55% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

28th percentile

-3.0%

Higher net margin than 28% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

78th percentile

$47,347

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 28.0% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

10th percentile

-7.7%

Faster asset growth than 10% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

66th percentile

2.4%

Faster revenue growth than 66% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets44th percentile

Assets

Down

$3,848,416

Down $322,958 (-7.7%) from 2014

Net Assets

Down

$717,364

Down $5,125 (-0.7%) from 2014

Liabilities

Down

$3,131,052

Down $317,833 (-9.2%) from 2014

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin28th percentile

Revenue

Up

$169,250

Up $4,010 (+2.4%) from 2014

Expenses

Down

$174,399

Down $4,108 (-2.3%) from 2014

Net Income

Up

-$5,149

Up $8,118 (+61%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2015

Assets$3,848,416
Liabilities$3,131,052
Net Assets$717,364
Open 2015 Filing

Operations Trend

Revenue Growth66th 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

2015

Revenue$169,250
Expenses$174,399
Net Income-$5,149
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 11, 2016
Return Version
2015v2.1
Gross Receipts
$169,250
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$2,147,653$1,970,008▼ $177,645
Investments Other Securities$1,801,403$1,504,766▼ $296,637
Rtn Earn Endowment Incm Other Fnds$722,489$717,364▼ $5,125
Savings and Temporary Cash Investments$39,158$209,341▲ $170,183
Land, Buildings, and Equipment, Net$122,796$116,919▼ $5,877
Investments Program Related$36,477$34,376▼ $2,101
Cash and Non-Interest-Bearing Accounts$9,443$6,542▼ $2,901
Prepaid Expenses and Deferred Charges$1,199$1,119▼ $80
Total Assets$4,171,374$3,848,416▼ $322,958
Other Assets Total$13,245$5,345▼ $7,900
Liabilities
Other Liabilities$3,437,634$3,123,519▼ $314,115
Accounts Payable and Accrued Expenses$11,251$7,533▼ $3,718
Total Liabilities$3,448,885$3,131,052▼ $317,833
Net Assets / Fund Balance
Total Net Assets Fund Balance$722,489$717,364▼ $5,125
Total Liabilities and Net Assets / Fund Balance$4,171,374$3,848,416▼ $322,958

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$51,841$50,466$102,307
Equipment$12,203$83,938$96,141
Land$52,875-$52,875
Other Securities$1,504,766--
Compensation and Service Providers
Top Officer Pay78th 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
$151,440
Investment Income
$17,810
Other Revenue
$0
Change in Net Assets
$-5,149
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$109,186
Other Expenses$65,213
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$52,938
Current Officers, Directors, Trustees, and Key Employees---$47,347
Insurance---$9,318
Interest---$8,842
Occupancy---$8,823
Payroll Taxes---$7,750
Information Technology---$7,303
Depreciation Depletion---$6,474
Fees for Services Accounting---$5,510
Office Expenses---$4,765
Fees for Services Other---$4,042
Other Expenses---$1,495
Other Employee Benefits---$1,151
All Other Expenses---$1,003
Total Functional Expenses$0$0$0$174,399
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$3,123,519
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
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 initial review of form 990 is performed by the president. After approval by the president, 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
2016-11-11
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 24 total 24”

Raw XML Appendix323 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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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 INITIAL REVIEW OF FORM 990 IS PERFORMED BY THE PRESIDENT. AFTER APPROVAL BY THE PRESIDENT, 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 24 TOTAL 24
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/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04171374
IRS990/TotalAssetsEOYAmt03848416
IRS990/TotalAssetsGrp/BOYAmt04171374
IRS990/TotalAssetsGrp/EOYAmt03848416
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0174399
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03448885
IRS990/TotalLiabilitiesEOYAmt03131052
IRS990/TotalLiabilitiesGrp/BOYAmt03448885
IRS990/TotalLiabilitiesGrp/EOYAmt03131052
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0722489
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0717364
IRS990/TotalOtherCompensationAmt01379
IRS990/TotalProgramServiceRevenueAmt0151440
IRS990/TotalReportableCompFromOrgAmt045968
IRS990/TotalRevenueGrp/ExclusionAmt017810
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0151440
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0169250
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04171374
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03848416
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVE SAN PAOLO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04178627074
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-11
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
ReturnHeader/Filer/USAddress/ZIPCd065807
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/PreparationDt02016-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDREW C CLEMENS CPA
ReturnHeader/ReturnTs02016-11-14T14:35:35-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,848,416
Liabilities
$3,131,052
Net assets
$717,364
Revenue
$169,250
Expenses
$174,399
Net income
-$5,149
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