Civic Intelligence

Des Moines County Postal Credit Union

990 • Fiscal year 2016 • EIN 42-0839587

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

Organization ProfileN/A
PO Box 1187Burlington, IA 52601

(319) 752-9650

Siviq Scores

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

Liabilities / Assets

41st percentile

0.80x

Higher debt load relative to assets than 41% of similar nonprofits.

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

Liabilities / Revenue

71st percentile

23.39x

Higher debt load relative to revenue than 71% of similar nonprofits.

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

Net Margin

36th percentile

0.4%

Higher net margin than 36% of similar nonprofits.

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

Top Officer Pay

21st percentile

$0

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

64th percentile

2.1%

Faster asset growth than 64% of similar nonprofits.

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

Revenue Growth

64th percentile

1.2%

Faster revenue growth than 64% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$2,418,761

Up $48,904 (+2.1%) from 2015

Net Assets

Up

$473,535

Up $292 (+0.1%) from 2015

Liabilities

Up

$1,945,226

Up $48,612 (+2.6%) from 2015

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin36th percentile

Revenue

Up

$83,158

Up $958 (+1.2%) from 2015

Expenses

Up

$82,866

Up $841 (+1.0%) from 2015

Net Income

Up

$292

Up $117 (+67%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $3,009,815Liabilities 2010: $2,645,104Net Assets 2010: $364,7112010Assets 2012: $2,991,432Liabilities 2012: $2,518,688Net Assets 2012: $472,7442012Assets 2013: $2,867,804Liabilities 2013: $2,395,012Net Assets 2013: $472,7922013Assets 2014: $2,697,968Liabilities 2014: $2,224,900Net Assets 2014: $473,0682014Assets 2015: $2,369,857Liabilities 2015: $1,896,614Net Assets 2015: $473,2432015Assets 2016: $2,418,761Liabilities 2016: $1,945,226Net Assets 2016: $473,5352016Assets 2017: $2,168,503Liabilities 2017: $1,695,734Net Assets 2017: $472,7692017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2016

Assets$2,418,761
Liabilities$1,945,226
Net Assets$473,535
Open 2016 Filing

Operations Trend

Revenue Growth64th percentile

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

$150K$100K$50K$0-$50KExpenses 2010: $102,8772010Expenses 2012: $91,0362012Revenue 2013: $87,740Expenses 2013: $87,692Net Income 2013: $482013Revenue 2014: $82,304Expenses 2014: $82,028Net Income 2014: $2762014Revenue 2015: $82,200Expenses 2015: $82,025Net Income 2015: $1752015Revenue 2016: $83,158Expenses 2016: $82,866Net Income 2016: $2922016Revenue 2017: $89,018Expenses 2017: $89,784Net Income 2017: -$7662017Revenue 2018: $83,760Expenses 2018: $99,873Net Income 2018: -$16,1132018

Highlighted filing

2016

Revenue$83,158
Expenses$82,866
Net Income$292
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$83,158
Mission and Program Overview

Mission

To provide members a source of credit at a fair value and reasonable rate of interest, encourage habits of thrift amoung members, and provide an opportunity for members to use and control their own money on a democratic basis in order to improve their economic and social condition.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,411,701$1,528,716▲ $117,015
Savings and Temporary Cash Investments$876,846$787,242▼ $89,604
Rtn Earn Endowment Incm Other Fnds$473,243$473,535▲ $292
Cash and Non-Interest-Bearing Accounts$49,758$76,080▲ $26,322
Prepaid Expenses and Deferred Charges$3,630$4,816▲ $1,186
Land, Buildings, and Equipment, Net$2,985$1,463▼ $1,522
Total Assets$2,369,857$2,418,761▲ $48,904
Other Assets Total$24,937$20,444▼ $4,493
Liabilities
Other Liabilities$1,895,944$1,943,013▲ $47,069
Accounts Payable and Accrued Expenses$670$2,213▲ $1,543
Total Liabilities$1,896,614$1,945,226▲ $48,612
Net Assets / Fund Balance
Total Net Assets Fund Balance$473,243$473,535▲ $292
Total Liabilities and Net Assets / Fund Balance$2,369,857$2,418,761▲ $48,904

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,463$20,993$22,456
Compensation and Service Providers
Top Officer Pay21st percentile

Board Members and Trustees

NameTitle
Beth SchnellbacherChairperson
Stephen C HoschekPresident
Hal B GerenVice Chairpe
Jason FidlerBoard Member
Jon W LittleBoard Member
Nancy SimmsBoard Member
Shawn M CushmanBoard Member
Joseph a MoyerAudit Commit
Reva E ScullySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$72,494
Investment Income
$10,664
Other Revenue
$0
Change in Net Assets
$292
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$41,559
Other Expenses$41,307
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$36,590--$36,590
Fees for Services Other$12,980--$12,980
Insurance$5,530--$5,530
Office Expenses$4,530--$4,530
Payroll Taxes$2,841--$2,841
Pension Plan Contributions$2,128--$2,128
Fees for Services Accounting$1,636--$1,636
Conferences and Meetings$1,600--$1,600
Depreciation Depletion$1,522--$1,522
Travel$1,457--$1,457
Other Expenses$207--$207
Total Functional Expenses$82,866$0$0$82,866
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
Total Shares$1,943,013
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
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 7A

“YES”

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

“YES”

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

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Des Moines County Postal Credit
EIN
42-0839587
Phone
3197529650
Address
PO BOX 1187, BURLINGTON, IA 52601

Signing Officer

Name
Stephen C Hoschek
Title
President
Phone
3197529650
Signed
2017-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephen C Hoschek
Formed
1941
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
1

Preparer

Firm
CPA Associates Pc
Address
PO BOX 547, BURLINGTON, IA 52601
Preparer
Sarah H Beckman
Phone
3197526348
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To provide members a source of credit at a fair value and reasonable rate of interest, encourage habits of thrift amoung members, and provide an opportunity for members to use and control their own money on a democratic basis in order to improve their economic and social condition.”

Form 990, Part IX, Line 11G

“Iacha 3,299 0 0 data processing 9,281 0 0 other professional 400 0 0 total 12,980 0 0”

Raw XML Appendix335 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/ExplanationTxt0TO PROVIDE MEMBERS A SOURCE OF CREDIT AT A FAIR VALUE AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMOUNG MEMBERS, AND PROVIDE AN OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5IACHA 3,299 0 0 DATA PROCESSING 9,281 0 0 OTHER PROFESSIONAL 400 0 0 TOTAL 12,980 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
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ReturnHeader/BusinessOfficerGrp/PhoneNum03197529650
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-01
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ReturnHeader/PreparerPersonGrp/PreparationDt02017-04-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SARAH H BECKMAN
ReturnHeader/ReturnTs02017-05-08T15:28:09-05:00
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ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,418,761
Liabilities
$1,945,226
Net assets
$473,535
Revenue
$83,158
Expenses
$82,866
Net income
$292
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.08$0.10$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.17$1.70$0.47$0.09$0.09$0.00
2016Detailed filing. Detailed filing data is available for this year.$2.42$1.95$0.47$0.08$0.08$0.00
2015Detailed filing. Detailed filing data is available for this year.$2.37$1.90$0.47$0.08$0.08$0.00
2014Detailed filing. Detailed filing data is available for this year.$2.70$2.22$0.47$0.08$0.08$0.00
2013Detailed filing. Detailed filing data is available for this year.$2.87$2.40$0.47$0.09$0.09$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.99$2.52$0.47$0.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.01$2.65$0.36$0.10