Civic Intelligence

Together Credit Union

990 • Fiscal year 2013 • EIN 43-0160998

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 11, 2014

Organization Profilewww.abecu.org

View Organization Page

1001 Lynch StreetSaint Louis, MO 63118-1818

(314) 771-7700

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Liabilities / Revenue

26th percentile

17.17x

Higher debt load relative to revenue than 26% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Net Margin

18th percentile

13%

Higher net margin than 18% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Top Officer Pay

59th percentile

$860,816

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2013 filings • 501(c)14 • $1B+ nonprofits • Source year 2013

Asset Growth

13th percentile

1.2%

Faster asset growth than 13% of similar nonprofits.

2013 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$1,412,554,632

Up $16,882,203 (+1.2%) from 2012

Net Assets

Up

$136,409,289

Up $5,829,211 (+4.5%) from 2012

Liabilities

Up

$1,276,145,343

Up $11,052,992 (+0.9%) from 2012

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin18th percentile

Revenue

$74,340,430

No earlier filing loaded for comparison.

Expenses

Down

$64,700,037

Down $1,922,303 (-2.9%) from 2012

Net Income

$9,640,393

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $1,276,258,233Liabilities 2010: $1,164,406,459Net Assets 2010: $111,851,7742010Assets 2011: $1,322,978,801Liabilities 2011: $1,205,549,780Net Assets 2011: $117,429,0212011Assets 2012: $1,395,672,429Liabilities 2012: $1,265,092,351Net Assets 2012: $130,580,0782012Assets 2013: $1,412,554,632Liabilities 2013: $1,276,145,343Net Assets 2013: $136,409,2892013Assets 2014: $1,448,392,932Liabilities 2014: $1,303,924,905Net Assets 2014: $144,468,0272014Assets 2015: $1,552,518,987Liabilities 2015: $1,396,093,651Net Assets 2015: $156,425,3362015Assets 2016: $1,619,024,984Liabilities 2016: $1,450,224,545Net Assets 2016: $168,800,4392016Assets 2017: $1,661,974,372Liabilities 2017: $1,504,234,164Net Assets 2017: $157,740,2082017Assets 2019: $1,825,507,133Liabilities 2019: $1,637,592,474Net Assets 2019: $187,914,6592019Assets 2020: $2,107,521,700Liabilities 2020: $1,904,270,282Net Assets 2020: $203,251,4182020Assets 2021: $2,310,446,798Liabilities 2021: $2,092,542,241Net Assets 2021: $217,904,5572021Assets 2022: $2,446,406,107Liabilities 2022: $2,255,490,599Net Assets 2022: $190,915,5082022Assets 2023: $2,417,889,259Liabilities 2023: $2,216,522,080Net Assets 2023: $201,367,1792023Assets 2024: $2,526,424,909Liabilities 2024: $2,315,552,289Net Assets 2024: $210,872,6202024

Highlighted filing

2013

Assets$1,412,554,632
Liabilities$1,276,145,343
Net Assets$136,409,289
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$200M$150M$100M$50M$0-$50MExpenses 2010: $67,952,1422010Expenses 2011: $67,793,4012011Expenses 2012: $66,622,3402012Revenue 2013: $74,340,430Expenses 2013: $64,700,037Net Income 2013: $9,640,3932013Revenue 2014: $75,638,941Expenses 2014: $67,891,650Net Income 2014: $7,747,2912014Revenue 2015: $78,043,026Expenses 2015: $71,166,836Net Income 2015: $6,876,1902015Revenue 2016: $82,213,869Expenses 2016: $70,475,354Net Income 2016: $11,738,5152016Revenue 2017: $85,674,955Expenses 2017: $98,789,412Net Income 2017: -$13,114,4572017Revenue 2019: $109,073,449Expenses 2019: $94,556,170Net Income 2019: $14,517,2792019Revenue 2020: $109,407,246Expenses 2020: $95,580,383Net Income 2020: $13,826,8632020Revenue 2021: $107,418,867Expenses 2021: $86,638,223Net Income 2021: $20,780,6442021Revenue 2022: $110,258,983Expenses 2022: $102,394,402Net Income 2022: $7,864,5812022Revenue 2023: $135,539,350Expenses 2023: $129,554,257Net Income 2023: $5,985,0932023Revenue 2024: $158,756,041Expenses 2024: $152,262,812Net Income 2024: $6,493,2292024

Highlighted filing

2013

Revenue$74,340,430
Expenses$64,700,037
Net Income$9,640,393
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 11, 2014
Return Version
2013v3.0
Gross Receipts
$74,340,430
Mission and Program Overview

Mission

All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 136,000

All activities pertain to a state chartered Credit Union that provides deposit and lending services to its members, which are approximately 114,741.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$953,698,098$1,055,325,343▲ $101,627,245
Investments in Publicly Traded Securities$358,988,052$257,495,565▼ $101,492,487
Rtn Earn Endowment Incm Other Fnds$130,580,078$136,409,289▲ $5,829,211
Land, Buildings, and Equipment, Net$33,162,152$34,958,210▲ $1,796,058
Prepaid Expenses and Deferred Charges$7,259,206$10,676,922▲ $3,417,716
Cash and Non-Interest-Bearing Accounts$5,251,821$6,413,349▲ $1,161,528
Savings and Temporary Cash Investments$5,300,370$6,333,875▲ $1,033,505
Accounts Receivable$2,212,162$2,288,291▲ $76,129
Receivables From Officers Etc-$1,359,795-
Receivable From Disqualified Prsn-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,395,672,429$1,412,554,632▲ $16,882,203
Other Assets Total$29,800,568$37,703,282▲ $7,902,714
Liabilities
Other Liabilities$1,230,764,204$1,252,078,845▲ $21,314,641
Mortgage Notes Payable Secured by Investment Property$20,000,000$15,000,000▼ $5,000,000
Accounts Payable and Accrued Expenses$13,737,472$8,573,907▼ $5,163,565
Deferred Revenue$590,675$492,591▼ $98,084
Total Liabilities$1,265,092,351$1,276,145,343▲ $11,052,992
Net Assets / Fund Balance
Total Net Assets Fund Balance$130,580,078$136,409,289▲ $5,829,211
Total Liabilities and Net Assets / Fund Balance$1,395,672,429$1,412,554,632▲ $16,882,203

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,149,740$10,104,288$29,254,028
Equipment$2,462,355$12,105,145$14,567,500
Land$13,322,814-$13,322,814
Leasehold Improvements$23,301$887,553$910,854
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
J David OsbornPresident/CEOFT$638,687$222,130$860,817
Daniel VoglerSr Vice PresidentFT$326,524$62,646$389,170
Ron KampwerthCFOFT$243,708$44,772$288,480
J FoxSr Vice PresidentFT$229,355$34,768$264,123
James BarrettSr Vice PresidentFT$201,577$34,471$236,048
Pier AlsupSr Vice PresidentFT$176,013$50,416$226,429
J CurdtVPFT$150,608$44,293$194,901
Adrianne ThompsonVPFT$149,691$34,738$184,429
E SmithVPFT$123,343$44,854$168,197
D TateVPFT$128,971$35,523$164,494
M TornatoreVPFT$141,317$22,931$164,248
F KuhnBoard Member-$4,868-$4,868
H MilesBoard Member-$4,221-$4,221

Board Members and Trustees

NameTitle
A DierkesBoard Member
J FugelBoard Member
J KnapperBoard Member
M ChapmanBoard Member
M HarrisBoard Member
R KrausBoard Member
S StobbsBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$67,935,986
Investment Income
$4,867,741
Other Revenue
$1,536,703
Change in Net Assets
$9,640,393

Audited Revenue Reconciliation

Revenue per Audited Statements
$74,340,430
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$74,340,430
Total Revenue per Form 990
$74,340,430
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$41,664,817
Salaries, Compensation, and Employee Benefits$23,035,220
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,387,463
Interest---$8,062,244
Office Expenses---$5,197,710
Other Employee Benefits---$3,361,782
Information Technology---$3,014,695
Pension Plan Contributions---$2,581,069
Current Officers, Directors, Trustees, and Key Employees---$2,509,793
Depreciation Depletion---$2,324,620
Occupancy---$1,622,598
All Other Expenses---$1,264,536
Advertising---$1,198,470
Payroll Taxes---$1,195,113
Other Expenses---$945,183
Insurance---$898,079
Fees for Services Management---$305,280
Fees for Services Accounting---$231,379
Travel---$225,301
Conferences and Meetings---$225,300
Fees for Services Legal---$77,701
Total Functional Expenses$0$0$0$64,700,037

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$64,700,037
Total Expenses per Audited Statements$64,700,037
Total Expenses per Form 990$64,700,037
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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-$1,359,795-
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Daily Interest Fund$510,406,364
Certificates of Deposit$233,347,809
Savings accounts$188,147,481
IRA Accounts$161,081,971
Checking$159,095,220
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has approximately 114,741 members”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors are elected positions that are voted on by the general membership at the Annual meeting.”

Form 990, Part VI, Section A, Line 7B

“The governing body needs membership approval for certain decisions and/or changes to the bylaws of the organization.”

Form 990, Part VI, Section B, Line 11B

“The Form 990 is completed and reviewed by two Sr. Vice Presidents”

Form 990, Part VI, Section B, Line 12C

“Our internal auditors review on a regular basis for compliance with company policies, as does the State and Federal examiners.”

Form 990, Part VI, Section B, Line 15

“We have an independent third party review of all job grades and job descriptions to determine compensation and it is also compared to peer data from like size organizations.”

Form 990, Part VI, Section C, Line 19

“The Form 990 is available to the public upon written request.”

Filing and Contact Details

Filer

EIN
43-0160998
Phone
3147717700

Signing Officer

Name
Ron Kampwerth
Title
CFO
Phone
3146579400
Signed
2014-08-11

Organization Details

Formed
1939
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
413
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This is the net unrealized gain on our pension.”

Raw XML AppendixShowing 400 of 977 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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IRS990/ActivityOrMissionDesc0All activities pertain to a state chartered Credit Union that provides deposit and lending services to its members, which are approximately 114,741.
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IRS990/Form990PartVIISectionAGrp/PersonNm1J Knapper
IRS990/Form990PartVIISectionAGrp/PersonNm2J Fugel
IRS990/Form990PartVIISectionAGrp/PersonNm3H Miles
IRS990/Form990PartVIISectionAGrp/PersonNm4A Dierkes
IRS990/Form990PartVIISectionAGrp/PersonNm5M Chapman
IRS990/Form990PartVIISectionAGrp/PersonNm6S Stobbs
IRS990/Form990PartVIISectionAGrp/PersonNm7R Kraus
IRS990/Form990PartVIISectionAGrp/PersonNm8Ron Kampwerth
IRS990/Form990PartVIISectionAGrp/PersonNm9J David Osborn
IRS990/Form990PartVIISectionAGrp/PersonNm10Daniel Vogler
IRS990/Form990PartVIISectionAGrp/PersonNm11James Barrett
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IRS990/Form990PartVIISectionAGrp/PersonNm14Adrianne Thompson
IRS990/Form990PartVIISectionAGrp/PersonNm15D Tate
IRS990/Form990PartVIISectionAGrp/PersonNm16J Fox
IRS990/Form990PartVIISectionAGrp/PersonNm17M Harris
IRS990/Form990PartVIISectionAGrp/PersonNm18M Tornatore
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt12Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt17Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP
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IRS990/Form990TFiledInd01
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IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt074340430
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt03014695
IRS990/InsuranceGrp/TotalAmt0898079
IRS990/InterestGrp/TotalAmt08062244
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IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt0257495565
IRS990/IRPDocumentCnt051710
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt023096986
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt034958210
IRS990/LandBldgEquipCostOrOtherBssAmt058055196
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt01536703
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0All activities pertain to a State Chartered Credit Union that provides deposit and lending services to its members, which are approximately 114,741.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt015000000
IRS990/NetAssetsOrFundBalancesBOYAmt0130580078
IRS990/NetAssetsOrFundBalancesEOYAmt0136409289
IRS990/NetUnrelatedBusTxblIncmAmt05679
IRS990/NetUnrlzdGainsLossesInvstAmt0-7920601
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01622598
IRS990/OfficeExpensesGrp/TotalAmt05197710
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt037703282
IRS990/OtherChangesInNetAssetsAmt04109419
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03361782
IRS990/OtherExpensesGrp/Desc0Provision for loan loss
IRS990/OtherExpensesGrp/Desc1Loan servicing
IRS990/OtherExpensesGrp/Desc2ATM expenses
IRS990/OtherExpensesGrp/Desc3NCUSIF assessment
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IRS990/OtherExpensesGrp/TotalAmt15793618
IRS990/OtherExpensesGrp/TotalAmt2578103
IRS990/OtherExpensesGrp/TotalAmt3945183
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt010676922
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116376323
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1354496
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IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt014252641
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt016376323
IRS990/ProgSrvcAccomActy3Grp/Desc0Investments
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0Misc
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt01337422
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt00
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt01536703
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05983603
IRS990/PYOtherExpensesAmt043247008
IRS990/PYOtherRevenueAmt03513021
IRS990/PYProgramServiceRevenueAmt068689619
IRS990/PYRevenuesLessExpensesAmt011563903
IRS990/PYSalariesCompEmpBnftPaidAmt023375332
IRS990/PYTotalExpensesAmt066622340
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt078186243
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01359795
IRS990/ReconcilationRevenueExpnssAmt09640393
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,412,554,632
Liabilities
$1,276,145,343
Net assets
$136,409,289
Revenue
$74,340,430
Expenses
$64,700,037
Net income
$9,640,393
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,526$2,316$211$159$152$6.49
2023Detailed filing. Detailed filing data is available for this year.$2,418$2,217$201$136$130$5.99
2022Detailed filing. Detailed filing data is available for this year.$2,446$2,255$191$110$102$7.86
2021Detailed filing. Detailed filing data is available for this year.$2,310$2,093$218$107$86.6$20.8
2020Detailed filing. Detailed filing data is available for this year.$2,108$1,904$203$109$95.6$13.8
2019Detailed filing. Detailed filing data is available for this year.$1,826$1,638$188$109$94.6$14.5
2017Detailed filing. Detailed filing data is available for this year.$1,662$1,504$158$85.7$98.8$13.1
2016Detailed filing. Detailed filing data is available for this year.$1,619$1,450$169$82.2$70.5$11.7
2015Detailed filing. Detailed filing data is available for this year.$1,553$1,396$156$78.0$71.2$6.88
2014Detailed filing. Detailed filing data is available for this year.$1,448$1,304$144$75.6$67.9$7.75
2013Detailed filing. Detailed filing data is available for this year.$1,413$1,276$136$74.3$64.7$9.64
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,396$1,265$131$66.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,323$1,206$117$67.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,276$1,164$112$68.0
Peer Organizations

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