Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 43-0492210

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 30, 2014

Organization ProfileWWW.1STCCU.ORG
5011 Hampton Ave63109

(314) 353-6676

Siviq Scores

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

Liabilities / Assets

19th percentile

0.78x

Higher debt load relative to assets than 19% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

49th percentile

18.88x

Higher debt load relative to revenue than 49% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

10th percentile

-25%

Higher net margin than 10% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

72nd percentile

$62,360

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 17.1% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

19th percentile

-4.3%

Faster asset growth than 19% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets19th percentile

Assets

Down

$8,838,257

Down $393,985 (-4.3%) from 2012

Net Assets

Down

$1,940,603

Down $91,614 (-4.5%) from 2012

Liabilities

Down

$6,897,654

Down $302,371 (-4.2%) from 2012

Revenue And Expenses
Liabilities / Revenue49th percentileNet Margin10th percentile

Revenue

$365,382

No earlier filing loaded for comparison.

Expenses

Up

$457,996

Up $20,886 (+4.8%) from 2012

Net Income

-$92,614

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$10M$5.0M$0Assets 2010: $9,608,457Liabilities 2010: $7,285,715Net Assets 2010: $2,322,7422010Assets 2011: $9,243,922Liabilities 2011: $7,156,175Net Assets 2011: $2,087,7472011Assets 2012: $9,232,242Liabilities 2012: $7,200,025Net Assets 2012: $2,032,2172012Assets 2013: $8,838,257Liabilities 2013: $6,897,654Net Assets 2013: $1,940,6032013

Highlighted filing

2013

Assets$8,838,257
Liabilities$6,897,654
Net Assets$1,940,603
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $666,4052010Expenses 2011: $638,4842011Expenses 2012: $437,1102012Revenue 2013: $365,382Expenses 2013: $457,996Net Income 2013: -$92,6142013

Highlighted filing

2013

Revenue$365,382
Expenses$457,996
Net Income-$92,614
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 30, 2014
Return Version
2013v3.0
Gross Receipts
$365,382
Mission and Program Overview

Mission

The mission of 1st city credit union is to improve the economic welfare of its members by offering fair and competitive returns on their investments, as a member owned and controlled, not for profit organization, and by offering loans at reasonable rates and terms giving priority to the needs of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$5,675,812$5,422,249▼ $253,563
Other Notes and Loans Receivable, Net$3,249,341$3,096,974▼ $152,367
Rtn Earn Endowment Incm Other Fnds$2,032,217$1,940,603▼ $91,614
Cash and Non-Interest-Bearing Accounts$168,681$150,691▼ $17,990
Prepaid Expenses and Deferred Charges$6,319$42,117▲ $35,798
Land, Buildings, and Equipment, Net$5,316$15,906▲ $10,590
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,232,242$8,838,257▼ $393,985
Other Assets Total$126,773$110,320▼ $16,453
Liabilities
Other Liabilities$7,196,414$6,861,192▼ $335,222
Accounts Payable and Accrued Expenses$3,611$36,462▲ $32,851
Total Liabilities$7,200,025$6,897,654▼ $302,371
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,032,217$1,940,603▼ $91,614
Total Liabilities and Net Assets / Fund Balance$9,232,242$8,838,257▼ $393,985

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$15,906$39,051$54,957
Leasehold Improvements$0$40,116$40,116
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patty SadauskasPresident/managerFT$60,930$1,430$62,360

Board Members and Trustees

NameTitle
Jim BoxdorferChairman
Ray BrodzinskiVice Chairman
Bob BlankmannBoard Member
Dave MoserBoard Member
Deborah HalterBoard Member
Jim KnorrBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$256,394
Investment Income
$106,947
Other Revenue
$2,041
Change in Net Assets
$-92,614
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$283,471
Salaries, Compensation, and Employee Benefits$174,525
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$97,639
Current Officers, Directors, Trustees, and Key Employees---$62,360
Office Expenses---$59,836
Occupancy---$54,456
Information Technology---$24,904
Payroll Taxes---$14,526
Advertising---$13,804
All Other Expenses---$10,821
Insurance---$10,006
Fees for Services Accounting---$9,175
Other Expenses---$5,476
Depreciation Depletion---$5,336
Conferences and Meetings---$1,800
Total Functional Expenses$0$0$0$457,996
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
Member Share Deposits$6,861,192
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
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 is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, line 11

“The form 990 is reviewed and approved by the president before filing.”

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

“On an annual basis, the officers, directors and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews the president/manager's performance and sets compensation. All other employee compensation is determined by the president/manager and presented as part of the budget package to the board of directors for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, 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. All other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

EIN
43-0492210
Phone
3143536676

Signing Officer

Name
Patty Sadauskas
Title
President/manager
Phone
3143536676
Signed
2014-07-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patty Sadauskas
Formed
1928
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
7

Preparer

Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Correction of adjustment error 1,000.”

Raw XML Appendix329 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/ActivityOrMissionDesc0THE MISSION OF 1ST CITY CREDIT UNION IS TO IMPROVE THE ECONOMIC WELFARE OF ITS MEMBERS BY OFFERING FAIR AND COMPETITIVE RETURNS ON THEIR INVESTMENTS, AS A MEMBER OWNED AND CONTROLLED, NOT FOR PROFIT ORGANIZATION, AND BY OFFERING LOANS AT REASONABLE RATES AND TERMS GIVING PRIORITY TO THE NEEDS OF ITS MEMBERS.
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IRS990/Form990PartVIISectionAGrp/PersonNm3JIM KNORR
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT/MANAGER
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IRPDocumentCnt0213
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt05316
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IRS990/MissionDesc0THE MISSION OF 1ST CITY CREDIT UNION IS TO IMPROVE THE ECONOMIC WELFARE OF ITS MEMBERS BY OFFERING FAIR AND COMPETITIVE RETURNS ON THEIR INVESTMENTS, AS A MEMBER OWNED AND CONTROLLED, NOT FOR PROFIT ORGANIZATION, AND BY OFFERING LOANS AT REASONABLE RATES AND TERMS GIVING PRIORITY TO THE NEEDS OF ITS MEMBERS.
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IRS990/NondeductibleContributionsInd00
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
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IRS990/OtherExpensesGrp/Desc3NCUSIF ASSESSMENTS
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 664 LOANS OUTSTANDING TOTALING $3,190,601.
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IRS990/ScheduleJRequiredInd00
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED AND APPROVED BY THE PRESIDENT BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE OFFICERS, DIRECTORS AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/MANAGER'S PERFORMANCE AND SETS COMPENSATION. ALL OTHER EMPLOYEE COMPENSATION IS DETERMINED BY THE PRESIDENT/MANAGER AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
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. ALL OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CORRECTION OF ADJUSTMENT ERROR 1,000.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt09232242
IRS990/TotalAssetsEOYAmt08838257
IRS990/TotalAssetsGrp/BOYAmt09232242
IRS990/TotalAssetsGrp/EOYAmt08838257
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0457996
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07200025
IRS990/TotalLiabilitiesEOYAmt06897654
IRS990/TotalLiabilitiesGrp/BOYAmt07200025
IRS990/TotalLiabilitiesGrp/EOYAmt06897654
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02032217
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01940603
IRS990/TotalOtherCompensationAmt01430
IRS990/TotalProgramServiceRevenueAmt0256394
IRS990/TotalReportableCompFromOrgAmt060930
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0365382
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0365382
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09232242
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08838257
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine105011 HAMPTON AVENUE
IRS990/USAddress/City0ST LOUIS
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063109
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.1STCCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PATTY SADAUSKAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03143536676
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-30
ReturnHeader/Filer/BusinessName/BusinessNameLine101ST CITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt01STC
ReturnHeader/Filer/EIN0430492210
ReturnHeader/Filer/PhoneNum03143536676
ReturnHeader/Filer/USAddress/AddressLine105011 HAMPTON AVE
ReturnHeader/Filer/USAddress/City0ST LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063109
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-07-30T11:14:34-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$8,838,257
Liabilities
$6,897,654
Net assets
$1,940,603
Revenue
$365,382
Expenses
$457,996
Net income
-$92,614
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$8.84$6.90$1.94$0.37$0.46$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.23$7.20$2.03$0.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.24$7.16$2.09$0.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.61$7.29$2.32$0.67