Civic Intelligence

Springfield Catholic Credit Union

990 • Fiscal year 2016 • EIN 23-7100203

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 30, 2017

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

45th percentile

0.81x

Higher debt load relative to assets than 45% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

57th percentile

19.12x

Higher debt load relative to revenue than 57% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

27th percentile

-4.7%

Higher net margin than 27% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

81st percentile

$47,347

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 29.2% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

47th percentile

-1.0%

Faster asset growth than 47% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

35th percentile

-4.2%

Faster revenue growth than 35% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets45th percentile

Assets

Down

$3,811,845

Down $36,571 (-1.0%) from 2015

Net Assets

Down

$710,744

Down $6,620 (-0.9%) from 2015

Liabilities

Down

$3,101,101

Down $29,951 (-1.0%) from 2015

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin27th percentile

Revenue

Down

$162,212

Down $7,038 (-4.2%) from 2015

Expenses

Down

$169,764

Down $4,635 (-2.7%) from 2015

Net Income

Down

-$7,552

Down $2,403 (-47%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2016

Assets$3,811,845
Liabilities$3,101,101
Net Assets$710,744
Open 2016 Filing

Operations Trend

Revenue Growth35th 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

2016

Revenue$162,212
Expenses$169,764
Net Income-$7,552
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 30, 2017
Return Version
2016v3.0
Gross Receipts
$162,212
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$1,970,008$1,742,944▼ $227,064
Investments Other Securities$1,504,766$1,608,407▲ $103,641
Rtn Earn Endowment Incm Other Fnds$717,364$710,744▼ $6,620
Savings and Temporary Cash Investments$209,341$307,201▲ $97,860
Land, Buildings, and Equipment, Net$116,919$110,345▼ $6,574
Investments Program Related$34,376$31,235▼ $3,141
Cash and Non-Interest-Bearing Accounts$6,542$6,137▼ $405
Prepaid Expenses and Deferred Charges$1,119$1,145▲ $26
Total Assets$3,848,416$3,811,845▼ $36,571
Other Assets Total$5,345$4,431▼ $914
Liabilities
Other Liabilities$3,123,519$3,096,453▼ $27,066
Accounts Payable and Accrued Expenses$7,533$4,648▼ $2,885
Total Liabilities$3,131,052$3,101,101▼ $29,951
Net Assets / Fund Balance
Total Net Assets Fund Balance$717,364$710,744▼ $6,620
Total Liabilities and Net Assets / Fund Balance$3,848,416$3,811,845▼ $36,571

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$48,683$53,624$102,307
Equipment$8,787$87,354$96,141
Land$52,875-$52,875
Other Securities$1,608,407--
Compensation and Service Providers
Top Officer Pay81st 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 Benna ResignedBoard Member
John H MeeseSecretary
Santiago GagliardiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$139,626
Investment Income
$22,586
Other Revenue
$0
Change in Net Assets
$-7,552
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$109,191
Other Expenses$60,573
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$50,756
Current Officers, Directors, Trustees, and Key Employees---$47,347
Occupancy---$12,156
Insurance---$8,827
Interest---$8,573
Payroll Taxes---$7,505
Information Technology---$7,044
Depreciation Depletion---$6,574
Fees for Services Accounting---$5,930
Other Employee Benefits---$3,583
Office Expenses---$3,495
Advertising---$2,240
All Other Expenses---$753
Conferences and Meetings---$629
Other Expenses---$520
Total Functional Expenses$0$0$0$169,764
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$3,096,453
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
2017-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steve San Paolo
Formed
1955
Legal Domicile
Mo
Voting Board Members
4
Independent Board Members
4
Employees
2
Volunteers
7

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 adjustment 932”

Raw XML Appendix326 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 ADJUSTMENT 932
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/TotalOtherCompensationAmt01379
IRS990/TotalProgramServiceRevenueAmt0139626
IRS990/TotalReportableCompFromOrgAmt045968
IRS990/TotalRevenueGrp/ExclusionAmt022586
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0139626
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IRS990/VotingMembersIndependentCnt04
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/SignatureDt02017-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SPRINGFIELD CATHOLIC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SPRI
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ReturnHeader/Filer/PhoneNum04178627074
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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/PreparationDt02017-10-31
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ANDREW C CLEMENS CPA
ReturnHeader/ReturnTs02017-11-14T14:42:58-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,811,845
Liabilities
$3,101,101
Net assets
$710,744
Revenue
$162,212
Expenses
$169,764
Net income
-$7,552
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