Civic Intelligence

1 St Gateway Credit Union

990 • Fiscal year 2017 • EIN 42-0802440

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 17, 2018

Organization ProfileWWW.1STGATEWAY.ORG

View Organization Page

PO Box 110Camanche, IA 52730

(563) 543-4121

Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

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

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

40th percentile

16.71x

Higher debt load relative to revenue than 40% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

82nd percentile

19%

Higher net margin than 82% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

79th percentile

$288,077

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

45th percentile

3.4%

Faster asset growth than 45% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

29th percentile

3.3%

Faster revenue growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$137,543,638

Up $4,586,093 (+3.4%) from 2016

Net Assets

Up

$15,252,409

Up $1,385,002 (+10.0%) from 2016

Liabilities

Up

$122,291,229

Up $3,201,091 (+2.7%) from 2016

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin82nd percentile

Revenue

Up

$7,317,059

Up $235,975 (+3.3%) from 2016

Expenses

Up

$5,932,057

Up $330,973 (+5.9%) from 2016

Net Income

Down

$1,385,002

Down $94,998 (-6.4%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$200M$150M$100M$50M$0Assets 2010: $75,818,338Liabilities 2010: $69,195,403Net Assets 2010: $6,622,9352010Assets 2012: $85,378,301Liabilities 2012: $77,033,057Net Assets 2012: $8,345,2442012Assets 2013: $90,542,443Liabilities 2013: $81,122,199Net Assets 2013: $9,420,2442013Assets 2014: $105,905,806Liabilities 2014: $95,425,562Net Assets 2014: $10,480,2442014Assets 2015: $124,655,099Liabilities 2015: $112,267,692Net Assets 2015: $12,387,4072015Assets 2016: $132,957,545Liabilities 2016: $119,090,138Net Assets 2016: $13,867,4072016Assets 2017: $137,543,638Liabilities 2017: $122,291,229Net Assets 2017: $15,252,4092017Assets 2018: $147,772,817Liabilities 2018: $131,225,408Net Assets 2018: $16,547,4092018Assets 2019: $161,079,395Liabilities 2019: $143,526,986Net Assets 2019: $17,552,4092019Assets 2020: $178,043,092Liabilities 2020: $159,385,683Net Assets 2020: $18,657,4092020Assets 2021: $176,575,582Liabilities 2021: $156,933,173Net Assets 2021: $19,642,4092021Assets 2022: $167,341,936Liabilities 2022: $146,609,527Net Assets 2022: $20,732,4092022Assets 2023: $159,056,358Liabilities 2023: $137,078,950Net Assets 2023: $21,977,4082023Assets 2024: $164,181,923Liabilities 2024: $141,354,514Net Assets 2024: $22,827,4092024

Highlighted filing

2017

Assets$137,543,638
Liabilities$122,291,229
Net Assets$15,252,409
Open 2017 Filing

Operations Trend

Revenue Growth29th percentile

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

$15M$10M$5.0M$0Expenses 2010: $3,827,0552010Expenses 2012: $4,030,2192012Revenue 2013: $5,119,482Expenses 2013: $4,044,482Net Income 2013: $1,075,0002013Revenue 2014: $5,823,827Expenses 2014: $4,763,827Net Income 2014: $1,060,0002014Revenue 2015: $6,785,336Expenses 2015: $5,505,338Net Income 2015: $1,279,9982015Revenue 2016: $7,081,084Expenses 2016: $5,601,084Net Income 2016: $1,480,0002016Revenue 2017: $7,317,059Expenses 2017: $5,932,057Net Income 2017: $1,385,0022017Revenue 2018: $7,952,305Expenses 2018: $6,657,305Net Income 2018: $1,295,0002018Revenue 2019: $8,664,766Expenses 2019: $7,659,766Net Income 2019: $1,005,0002019Revenue 2020: $8,497,512Expenses 2020: $7,392,512Net Income 2020: $1,105,0002020Revenue 2021: $8,014,799Expenses 2021: $7,029,799Net Income 2021: $985,0002021Revenue 2022: $8,606,923Expenses 2022: $7,516,923Net Income 2022: $1,090,0002022Revenue 2023: $9,405,272Expenses 2023: $8,160,273Net Income 2023: $1,244,9992023Revenue 2024: $10,262,592Expenses 2024: $9,412,592Net Income 2024: $850,0002024

Highlighted filing

2017

Revenue$7,317,059
Expenses$5,932,057
Net Income$1,385,002
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 17, 2018
Return Version
2017v2.3
Gross Receipts
$7,317,059
Mission and Program Overview

Mission

Non-profit financial working to help consumers invest and borrow at the best rates and terms.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$111,870,868$117,459,163▲ $5,588,295
Pd in Cap Srpls Land Bldg Eqp Fund$7,174,343$8,213,094▲ $1,038,751
Cash and Non-Interest-Bearing Accounts$8,857,562$7,510,292▼ $1,347,270
Rtn Earn Endowment Incm Other Fnds$6,693,064$7,039,315▲ $346,251
Savings and Temporary Cash Investments$6,178,546$5,981,557▼ $196,989
Land, Buildings, and Equipment, Net$2,230,503$2,716,711▲ $486,208
Accounts Receivable$605,691$625,473▲ $19,782
Receivables From Officers Etc$531,028$459,189▼ $71,839
Prepaid Expenses and Deferred Charges$244,645$226,295▼ $18,350
Total Assets$132,957,545$137,543,638▲ $4,586,093
Other Assets Total$2,438,702$2,564,958▲ $126,256
Liabilities
Other Liabilities$108,183,688$111,953,941▲ $3,770,253
Mortgage Notes Payable Secured by Investment Property$10,375,000$9,750,000▼ $625,000
Accounts Payable and Accrued Expenses$531,450$587,288▲ $55,838
Total Liabilities$119,090,138$122,291,229▲ $3,201,091
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,867,407$15,252,409▲ $1,385,002
Total Liabilities and Net Assets / Fund Balance$132,957,545$137,543,638▲ $4,586,093

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,183,238$1,448,949$3,632,187
Equipment$197,095$467,399$664,494
Land$336,378-$336,378
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patrick J DrennenCEOFT$189,085$214,511$288,077
Angela DruryCOOFT$93,285$43,021$251,825
James BengtsonCFOFT$91,816$7,705$99,521
Ann EisenmanChairperson--$18$18
Brian JohnsonBoard--$18$18
Karinne TharaldsonBoard--$18$18
Kerry KennedySecretary--$18$18
Lanny ReedVice Chairpe--$18$18
Marilyn RasmussenBoard--$18$18
Paul VarnerPresident--$18$18
Roseann RaymondBoard--$18$18
Steve ZuidemaBoard--$18$18
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,187,622
Investment Income
$94,751
Other Revenue
$1,034,686
Change in Net Assets
$1,385,002

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,317,059
Total Revenue per Audited Statements
$7,317,059
Total Revenue per Form 990
$7,317,059
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,563,078
Salaries, Compensation, and Employee Benefits$2,368,979
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,335,559
Interest---$1,060,510
Current Officers, Directors, Trustees, and Key Employees---$585,159
Occupancy---$209,110
Office Expenses---$195,309
Other Employee Benefits---$184,573
All Other Expenses---$160,131
Payroll Taxes---$146,880
Advertising---$122,168
Depreciation Depletion---$116,834
Pension Plan Contributions---$116,808
Other Expenses---$107,861
Fees for Services Other---$73,332
Information Technology---$58,599
Travel---$47,255
Insurance---$44,664
Payments to Affiliates---$30,127
Fees for Services Legal---$20,607
Fees for Services Accounting---$20,058
Conferences and Meetings---$7,028
Total Functional Expenses$0$0$0$5,932,057

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,932,057
Total Expenses per Audited Statements$5,932,057
Total Expenses per Form 990$5,932,057
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$531,028$459,189▼ $71,839
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$111,953,941
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI

“1st gateway credit union has an audit committee which is compromised of 3 board members and the coo. The committee solicits the cpa for the opinion audit and the audit chair signs the contract to perform the audit. No changes in processes from prior years. Please note: audited financial statements were issued for the year ending august 31, 2017. The financial information recorded on form 990 was based on unaudited financial statements for the tax year ending december 31, 2017.”

Form 990, Page 6, Part VI, Line 6

“1st gateway is supported by its members.”

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

“Credit union members are allowed to elect individuals to sit on the organization's board of directors.”

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

“A copy of form 990 was provided to the organization's governing body before it was filed. Both the board and management reviews the return.”

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

“The conflict of interest policy is reviewed annually and management is responsible for monitoring.”

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

“1st gateway credit union has an outside firm (compease) that they utilize to determine appropriate wage scales. Surveys are based on demographics and asset size.”

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

“1st gateway credit union has an outside firm (compease) that they utilize ot determine appropriate wage scales. Surveys are based on demographics and asset size.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the lobby. Other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
1st Gateway Credit Union
EIN
42-0802440
Phone
5635434121
Address
PO BOX 110, CAMANCHE, IA 52730

Signing Officer

Name
Patrick J Drennen
Title
CEO
Phone
5632434121
Signed
2018-04-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patrick J Drennen
Formed
1953
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
67

Preparer

Firm
Anderson Larkin & Co Pc
Address
221 N WAPELLO, OTTUMWA, IA 52501
Preparer
Bradley T Barnes
Phone
6416845489
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IRS990/OccupancyGrp/TotalAmt0209110
IRS990/OfficeExpensesGrp/TotalAmt0195309
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02438702
IRS990/OtherAssetsTotalGrp/EOYAmt02564958
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0184573
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN LOSS & RESERVES
IRS990/OtherExpensesGrp/Desc2OTHER OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0509062
IRS990/OtherExpensesGrp/TotalAmt1415023
IRS990/OtherExpensesGrp/TotalAmt2365400
IRS990/OtherExpensesGrp/TotalAmt3107861
IRS990/OtherLiabilitiesGrp/BOYAmt0108183688
IRS990/OtherLiabilitiesGrp/EOYAmt0111953941
IRS990/OtherRevenueMiscGrp/Desc0FEES AND CHARGES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt01034686
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01034686
IRS990/OtherRevenueTotalAmt01034686
IRS990/OtherSalariesAndWagesGrp/TotalAmt01335559
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0111870868
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0117459163
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt030127
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt0146880
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt07174343
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt08213094
IRS990/PensionPlanContributionsGrp/TotalAmt0116808
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0244645
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0226295
IRS990/PrincipalOfficerNm0PATRICK J DRENNEN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06187622
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06187622
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt069105
IRS990/PYOtherExpensesAmt03286341
IRS990/PYOtherRevenueAmt01037252
IRS990/PYProgramServiceRevenueAmt05974727
IRS990/PYRevenuesLessExpensesAmt01480000
IRS990/PYSalariesCompEmpBnftPaidAmt02314743
IRS990/PYTotalExpensesAmt05601084
IRS990/PYTotalRevenueAmt07081084
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0531028
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0459189
IRS990/ReconcilationRevenueExpnssAmt01385002
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt06187622
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06693064
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07039315
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06178546
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05981557
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt02183238
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01448949
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03632187
IRS990ScheduleD/EquipmentGrp/BookValueAmt0197095
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0467399
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0664494
IRS990ScheduleD/ExpensesSubtotalAmt05932057
IRS990ScheduleD/LandGrp/BookValueAmt0336378
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0336378
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0111953941
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/RevenueSubtotalAmt07317059
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02716711
IRS990ScheduleD/TotalExpensesPerForm990Amt05932057
IRS990ScheduleD/TotalLiabilityAmt0111953941
IRS990ScheduleD/TotalRevenuePerForm990Amt07317059
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07317059
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05932057
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0189085
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt193285
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount063647
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount128605
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt035345
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt114416
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0115519
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICK J DRENNEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ANGELA DRURY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0288077
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1251825
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0177310
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1146845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2124111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt38935
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41988
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0REFINANCE HOME LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1REFINANCE HOME LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2REFINANCING HOME LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3CAR LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4CAR LOAN-RENTALS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0200000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1167100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2189000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt316667
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt456675
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ANGELA DRURY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JAMES BENGTSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2PATRICK DRENNEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JAMES BENGSTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4ANGELA DRURY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0COO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CFO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CFO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4COO
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt0459189
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt01ST GATEWAY CREDIT UNION HAS AN AUDIT COMMITTEE WHICH IS COMPROMISED OF 3 BOARD MEMBERS AND THE COO. THE COMMITTEE SOLICITS THE CPA FOR THE OPINION AUDIT AND THE AUDIT CHAIR SIGNS THE CONTRACT TO PERFORM THE AUDIT. NO CHANGES IN PROCESSES FROM PRIOR YEARS. PLEASE NOTE: AUDITED FINANCIAL STATEMENTS WERE ISSUED FOR THE YEAR ENDING AUGUST 31, 2017. THE FINANCIAL INFORMATION RECORDED ON FORM 990 WAS BASED ON UNAUDITED FINANCIAL STATEMENTS FOR THE TAX YEAR ENDING DECEMBER 31, 2017.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ST GATEWAY IS SUPPORTED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CREDIT UNION MEMBERS ARE ALLOWED TO ELECT INDIVIDUALS TO SIT ON THE ORGANIZATION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 WAS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY BEFORE IT WAS FILED. BOTH THE BOARD AND MANAGEMENT REVIEWS THE RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY AND MANAGEMENT IS RESPONSIBLE FOR MONITORING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt51ST GATEWAY CREDIT UNION HAS AN OUTSIDE FIRM (COMPEASE) THAT THEY UTILIZE TO DETERMINE APPROPRIATE WAGE SCALES. SURVEYS ARE BASED ON DEMOGRAPHICS AND ASSET SIZE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt61ST GATEWAY CREDIT UNION HAS AN OUTSIDE FIRM (COMPEASE) THAT THEY UTILIZE OT DETERMINE APPROPRIATE WAGE SCALES. SURVEYS ARE BASED ON DEMOGRAPHICS AND ASSET SIZE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY. OTHER GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0132957545
IRS990/TotalAssetsEOYAmt0137543638
IRS990/TotalAssetsGrp/BOYAmt0132957545
IRS990/TotalAssetsGrp/EOYAmt0137543638
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt067
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt05932057
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0119090138
IRS990/TotalLiabilitiesEOYAmt0122291229

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$137,543,638
Liabilities
$122,291,229
Net assets
$15,252,409
Revenue
$7,317,059
Expenses
$5,932,057
Net income
$1,385,002
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$164$141$22.8$10.3$9.41$0.85
2023Detailed filing. Detailed filing data is available for this year.$159$137$22.0$9.41$8.16$1.24
2022Detailed filing. Detailed filing data is available for this year.$167$147$20.7$8.61$7.52$1.09
2021Detailed filing. Detailed filing data is available for this year.$177$157$19.6$8.01$7.03$0.99
2020Detailed filing. Detailed filing data is available for this year.$178$159$18.7$8.50$7.39$1.11
2019Detailed filing. Detailed filing data is available for this year.$161$144$17.6$8.66$7.66$1.01
2018Detailed filing. Detailed filing data is available for this year.$148$131$16.5$7.95$6.66$1.30
2017Detailed filing. Detailed filing data is available for this year.$138$122$15.3$7.32$5.93$1.39
2016Detailed filing. Detailed filing data is available for this year.$133$119$13.9$7.08$5.60$1.48
2015Detailed filing. Detailed filing data is available for this year.$125$112$12.4$6.79$5.51$1.28
2014Detailed filing. Detailed filing data is available for this year.$106$95.4$10.5$5.82$4.76$1.06
2013Detailed filing. Detailed filing data is available for this year.$90.5$81.1$9.42$5.12$4.04$1.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.4$77.0$8.35$4.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.8$69.2$6.62$3.83