Civic Intelligence

St Cloud City and County Employees Credit Union

EIN 41-0517419 • 501(c)14 • St Cloud, MN

View Organization Page

Profile

We area a member-owned organization, offering financial services that are competitive within the market and responsive to the changing needs of our members, while maintaining a safe and sound business practice.

PO Box 715St Cloud, MN 56302

www.stcloudcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2015

Liabilities / Revenue

44th percentile

0.00x

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

$500k-$1M nonprofits • Source year 2015

Net Margin

49th percentile

4.0%

Higher net margin than 49% of similar nonprofits.

$500k-$1M nonprofits • Source year 2015

Top Officer Pay

80th percentile

$68,517

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

$500k-$1M nonprofits • Source year 2015

Asset Growth

2nd percentile

-100%

Faster asset growth than 2% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2014 to 2015

Revenue Growth

21st percentile

-15%

Faster revenue growth than 21% of similar nonprofits.

$500k-$1M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $19,908,213 (-100%) from 2014

Liabilities

Down

$0

Down $17,656,715 (-100%) from 2014

Net Assets

Down

$0

Down $2,251,498 (-100%) from 2014

Operations
Liabilities / Revenue44th percentileNet Margin49th percentile

Revenue

Down

$543,977

Down $93,064 (-15%) from 2014

Expenses

Down

$522,236

Down $70,822 (-12%) from 2014

Net Income

Down

$21,741

Down $22,242 (-51%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $17,282,471Liabilities 2010: $15,155,912Net Assets 2010: $2,126,5592010Assets 2011: $18,044,664Liabilities 2011: $15,872,856Net Assets 2011: $2,171,8082011Assets 2012: $18,368,025Liabilities 2012: $16,168,806Net Assets 2012: $2,199,2192012Assets 2013: $18,910,847Liabilities 2013: $16,703,332Net Assets 2013: $2,207,5152013Assets 2014: $19,908,213Liabilities 2014: $17,656,715Net Assets 2014: $2,251,4982014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2015

Assets$0
Liabilities$0
Net Assets$0
Open 2015 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$800K$600K$400K$200K$0Expenses 2010: $685,9092010Expenses 2011: $642,5172011Expenses 2012: $609,1362012Revenue 2013: $612,140Expenses 2013: $603,844Net Income 2013: $8,2962013Revenue 2014: $637,041Expenses 2014: $593,058Net Income 2014: $43,9832014Revenue 2015: $543,977Expenses 2015: $522,236Net Income 2015: $21,7412015

Highlighted filing

2015

Revenue$543,977
Expenses$522,236
Net Income$21,741
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$543,977
Expenses
$522,236
Net income
$21,741
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.54$0.52$0.02
2014Detailed filing. Detailed filing data is available for this year.$19.9$17.7$2.25$0.64$0.59$0.04
2013Detailed filing. Detailed filing data is available for this year.$18.9$16.7$2.21$0.61$0.60$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.4$16.2$2.20$0.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$15.9$2.17$0.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.3$15.2$2.13$0.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Oct 31, 2015
Signed
Jan 23, 2016
Return Version
2015v2.1
Gross Receipts
$543,977
Mission and Program Overview

Mission

We are a a member-owned organization, offering financial services that are competitive within the market and responsive to the changing needs of our members, while maintaining a safe and sound business practice.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,343,220--
Investments Program Related$6,525,278--
Savings and Temporary Cash Investments$3,339,578--
Rtn Earn Endowment Incm Other Fnds$2,251,498--
Land, Buildings, and Equipment, Net$287,195--
Cash and Non-Interest-Bearing Accounts$181,773--
Prepaid Expenses and Deferred Charges$1,279--
Total Assets$19,908,213$0▼ $19,908,213
Other Assets Total$229,890--
Liabilities
Other Liabilities$17,624,001--
Accounts Payable and Accrued Expenses$32,714--
Total Liabilities$17,656,715$0▼ $17,656,715
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,251,498$0▼ $2,251,498
Total Liabilities and Net Assets / Fund Balance$19,908,213$0▼ $19,908,213
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Melvin TodyPresidentFT$63,763$4,754$68,517

Board Members and Trustees

NameTitle
Kenneth EricksonChair
Alice LenzmeierVice Chair
Daniel FordDirector
Jeffrey JohnsonDirector
John SannerDirector
Michah MyersDirector
Randy SchreifelsDirector
Linda TrebSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$440,344
Investment Income
$99,961
Other Revenue
$3,672
Change in Net Assets
$21,741
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$304,549
Salaries, Compensation, and Employee Benefits$217,687
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Information Technology---$115,942
Other Salaries and Wages---$98,930
Office Expenses---$96,056
Current Officers, Directors, Trustees, and Key Employees---$63,763
Other Employee Benefits---$28,317
Insurance---$17,688
Payroll Taxes---$14,831
Occupancy---$14,490
Depreciation Depletion---$13,317
Pension Plan Contributions---$11,846
Other Expenses---$5,147
Advertising---$3,187
Fees for Services Legal---$2,371
Conferences and Meetings---$1,315
Total Functional Expenses$0$0$0$522,236
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Conflict-of-interest policy
Yes
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 organization has members. To be a member, you must have a share (savings) account at the credit union.”

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

“The board of directors is elected by the credit union members. Each member has one vote.”

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

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

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

“Management provides necessary data to independent cpa who prepares the return. Management reviews the return for accuracy, and then authorizes cpa to e-file the approved return. Management reviews the return with the directors at the next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“Management reviews transactions against disclosed interests for any possible conflict of interest.”

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

“The board of directors review and set president's compensation on an annual basis. The minutes of this meeting are included with regular monthly board meeting minutes.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the lobby monthly and other documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
St Cloud City and County Employees
EIN
41-0517419
Phone
3202582195
Address
PO BOX 715, ST CLOUD, MN 56302

Signing Officer

Name
Melvin Tody
Title
President
Phone
3202582195
Signed
2016-01-23

Organization Details

Principal Officer
Melvin Tody
Formed
1934
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
6

Preparer

Preparer
Brent Wookey CPA
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 2

“St cloud city & county employees credit union merged with st cloud federal credit union after the close of business on october 31, 2015. Governmental approval documents are attached to this return in pdf file.”

Form 990, Part XI, Line 9

“St cloud city & county employees credit union merged with st cloud federal credit union after the close of business on october 31, 2015.”

Raw XML Appendix363 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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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm0ST CLOUD FEDERAL CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm1ST CLOUD FEDERAL CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/PersonNm2ST CLOUD FEDERAL CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt03030 1ST STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt13030 1ST STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt23030 1ST STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0ST CLOUD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1ST CLOUD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2ST CLOUD
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1MN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2MN
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd056301
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd156301
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd256301
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0false
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0KENNETH ERICKSON, BOARD CHAIR OF ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION WILL BECOME A BOARD MEMBER OF ST CLOUD FEDERAL CREDIT UNION. RANDY SCHREIFELS, BOARD MEMBER OF ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION WILL BECOME A BOARD MEMBER OF ST CLOUD FEDERAL CREDIT UNION. MICAH MYERS, BOARD MEMBER OF ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION WILL BECOME A BOARD MEMBER OF ST CLOUD FEDERAL CREDIT UNION. MELVIN TODY, PRESIDENT OF ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION WILL BECOME CFO OF ST CLOUD FEDERAL CREDIT UNION.
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION MERGED WITH ST CLOUD FEDERAL CREDIT UNION AFTER THE CLOSE OF BUSINESS ON OCTOBER 31, 2015.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE N, PAGE 1, PART I, LINE 2E
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE N
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION MERGED WITH ST CLOUD FEDERAL CREDIT UNION AFTER THE CLOSE OF BUSINESS ON OCTOBER 31, 2015. GOVERNMENTAL APPROVAL DOCUMENTS ARE ATTACHED TO THIS RETURN IN PDF FILE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT REVIEWS TRANSACTIONS AGAINST DISCLOSED INTERESTS FOR ANY POSSIBLE CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEW AND SET PRESIDENT'S COMPENSATION ON AN ANNUAL BASIS. THE MINUTES OF THIS MEETING ARE INCLUDED WITH REGULAR MONTHLY BOARD MEETING MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY MONTHLY AND OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ST CLOUD CITY & COUNTY EMPLOYEES CREDIT UNION MERGED WITH ST CLOUD FEDERAL CREDIT UNION AFTER THE CLOSE OF BUSINESS ON OCTOBER 31, 2015.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0true
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt019908213
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt019908213
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0522236
IRS990/TotalGrossUBIAmt02495
IRS990/TotalLiabilitiesBOYAmt017656715
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt017656715
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02251498
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt04754
IRS990/TotalProgramServiceRevenueAmt0440344
IRS990/TotalReportableCompFromOrgAmt063763
IRS990/TotalRevenueGrp/ExclusionAmt0103633
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0437849
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0543977
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02495
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019908213
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 715
IRS990/USAddress/CityNm0ST CLOUD
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd056302
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.STCLOUDCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MELVIN TODY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03202582195
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-01-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST CLOUD CITY AND COUNTY EMPLOYEES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STCL
ReturnHeader/Filer/EIN0410517419
ReturnHeader/Filer/PhoneNum03202582195
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 715
ReturnHeader/Filer/USAddress/CityNm0ST CLOUD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd056302
ReturnHeader/PreparerPersonGrp/PreparationDt02016-01-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/ReturnTs02016-01-28T15:26:22-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-10-31
ReturnHeader/TaxYr02015

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