Civic Intelligence

St Louis Association of Credit Management

EIN 43-0493480 • 501(c)3 • Rolling Meadows, IL

Profile

To provide a forum to members within the credit profession for education, networking, and business resources.

3005 Tollview DriveRolling Meadows, IL 60008

www.nacmgateway.org

Siviq Scores

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

Liabilities / Assets

96th percentile

1.49x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

99th percentile

12.32x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

69th percentile

16%

Higher net margin than 69% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

92nd percentile

$227,767

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 180.3% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

45th percentile

1.8%

Faster asset growth than 45% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

41st percentile

2.2%

Faster revenue growth than 41% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$1,045,874

Up $18,375 (+1.8%) from 2024

Liabilities

Down

$1,556,165

Down $164,658 (-9.6%) from 2024

Net Assets

Up

-$510,291

Up $183,033 (+26%) from 2024

Operations
Liabilities / Revenue99th percentileNet Margin69th percentile

Revenue

Up

$126,306

Up $2,713 (+2.2%) from 2024

Expenses

Down

$105,578

Down $787 (-0.7%) from 2024

Net Income

Up

$20,728

Up $3,500 (+20%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$2.0M$1.0M$0-$1.0MAssets 2011: $548,565Liabilities 2011: $934,445Net Assets 2011: -$385,8802011Assets 2012: $593,253Liabilities 2012: $898,674Net Assets 2012: -$305,4212012Assets 2013: $632,837Liabilities 2013: $976,491Net Assets 2013: -$343,6542013Assets 2014: $672,309Liabilities 2014: $1,093,093Net Assets 2014: -$420,7842014Assets 2015: $717,688Liabilities 2015: $1,217,963Net Assets 2015: -$500,2752015Assets 2016: $760,446Liabilities 2016: $1,293,395Net Assets 2016: -$532,9492016Assets 2017: $797,329Liabilities 2017: $1,348,712Net Assets 2017: -$551,3832017Assets 2018: $830,725Liabilities 2018: $1,424,713Net Assets 2018: -$593,9882018Assets 2019: $900,857Liabilities 2019: $1,499,454Net Assets 2019: -$598,5972019Assets 2020: $941,170Liabilities 2020: $1,517,875Net Assets 2020: -$576,7052020Assets 2021: $974,509Liabilities 2021: $1,517,349Net Assets 2021: -$542,8402021Assets 2022: $992,336Liabilities 2022: $1,476,193Net Assets 2022: -$483,8572022Assets 2023: $1,011,401Liabilities 2023: $1,593,303Net Assets 2023: -$581,9022023Assets 2024: $1,027,499Liabilities 2024: $1,720,823Net Assets 2024: -$693,3242024Assets 2025: $1,045,874Liabilities 2025: $1,556,165Net Assets 2025: -$510,2912025

Highlighted filing

2025

Assets$1,045,874
Liabilities$1,556,165
Net Assets-$510,291
Open 2025 Filing

Operations Trend

Revenue Growth41st percentile

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

$200K$150K$100K$50K$0Revenue 2011: $131,726Expenses 2011: $84,993Net Income 2011: $46,7332011Expenses 2012: $76,3092012Expenses 2013: $91,9202013Revenue 2014: $127,666Expenses 2014: $88,470Net Income 2014: $39,1962014Revenue 2015: $134,562Expenses 2015: $88,893Net Income 2015: $45,6692015Revenue 2016: $101,676Expenses 2016: $59,029Net Income 2016: $42,6472016Revenue 2017: $120,709Expenses 2017: $78,164Net Income 2017: $42,5452017Revenue 2018: $115,495Expenses 2018: $80,278Net Income 2018: $35,2172018Revenue 2019: $154,411Expenses 2019: $98,681Net Income 2019: $55,7302019Revenue 2020: $152,325Expenses 2020: $107,195Net Income 2020: $45,1302020Revenue 2021: $113,030Expenses 2021: $72,160Net Income 2021: $40,8702021Revenue 2022: $108,224Expenses 2022: $88,251Net Income 2022: $19,9732022Revenue 2023: $116,918Expenses 2023: $98,219Net Income 2023: $18,6992023Revenue 2024: $123,593Expenses 2024: $106,365Net Income 2024: $17,2282024Revenue 2025: $126,306Expenses 2025: $105,578Net Income 2025: $20,7282025

Highlighted filing

2025

Revenue$126,306
Expenses$105,578
Net Income$20,728
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,045,874
Liabilities
$1,556,165
Net assets
-$510,291
Revenue
$126,306
Expenses
$105,578
Net income
$20,728
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.05$1.56$0.51$0.13$0.11$0.02
2024Detailed filing. Detailed filing data is available for this year.$1.03$1.72$0.69$0.12$0.11$0.02
2023Detailed filing. Detailed filing data is available for this year.$1.01$1.59$0.58$0.12$0.10$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.99$1.48$0.48$0.11$0.09$0.02
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$1.52$0.54$0.11$0.07$0.04
2020Detailed filing. Detailed filing data is available for this year.$0.94$1.52$0.58$0.15$0.11$0.05
2019Detailed filing. Detailed filing data is available for this year.$0.90$1.50$0.60$0.15$0.10$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.83$1.42$0.59$0.12$0.08$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.80$1.35$0.55$0.12$0.08$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.76$1.29$0.53$0.10$0.06$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.72$1.22$0.50$0.13$0.09$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.67$1.09$0.42$0.13$0.09$0.04
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.63$0.98$0.34$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.59$0.90$0.31$0.08
2011Summary only. Only limited summary data is available for this year.$0.55$0.93$0.39$0.13$0.08$0.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Apr 1, 2024 to Mar 31, 2025
Signed
Aug 26, 2025
Return Version
2024v5.2
Gross Receipts
$126,306
Mission and Program Overview

Mission

To provide a forum to members within the credit profession for education, networking, and business resources.

To provide a forum to its members within the credit profession for education, networking and business resources.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable-$475-
Total Assets$1,027,499$1,045,874▲ $18,375
Other Assets Total$1,027,499$1,045,399▲ $17,900
Liabilities
Other Liabilities$1,673,863$1,511,558▼ $162,305
Deferred Revenue$45,745$44,607▼ $1,138
Accounts Payable and Accrued Expenses$1,215--
Total Liabilities$1,720,823$1,556,165▼ $164,658
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-693,324$-510,291▲ $183,033
Total Net Assets Fund Balance$-693,324$-510,291▲ $183,033
Total Liabilities and Net Assets / Fund Balance$1,027,499$1,045,874▲ $18,375

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$1,045,399--
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeOtherTotal
Kerry JensenSecretary/controllerPT$145,659$145,659
Lillian NovakChief Communications OfficerPT$128,667$128,667
Gloria ScottCredit and Risk Solutions ConsultantPT$127,746$127,746

Board Members and Trustees

NameTitle
Brent HeizelmanChair
Phillip J LattanzioPresident
Jeff WeberVice Chair
Alicja GorskiDirector
Amy CookDirector
Caroline PerkinsDirector
Curtis LitchfieldDirector
Jack MauroDirector
Jordan PeloquinDirector
Joseph LangeDirector
Kendra GerdesDirector
Martine DyerDirector
Shelby CockcroftDirector
Zeb MillerDirector
Brendon MisikCounselor
Gregory SteinkoenigManager of Credit Solutions
Deb RollmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$80,174
Program Service Revenue
$46,132
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$20,728
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$95,124
Salaries, Compensation, and Employee Benefits$10,454
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Payment Travel Entrtnmnt Publicly Ofcl$33,920--$33,920
Other Salaries and Wages$9,324--$9,324
Insurance$454$453-$907
Payroll Taxes$746--$746
Fees for Services Accounting$326$325-$651
Travel$554--$554
Other Employee Benefits$384--$384
Other Expenses$190$873-$190
Total Functional Expenses$84,378$21,200$0$105,578
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Closely Held Equity Investment$1,511,558
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is an association with members.”

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

“The association has only one type of member. The membership is made up of professionals in the business credit and financial management fields.”

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

“Certain changes to the organization's governing documents are subject to a member vote.”

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

“The form 990 is prepared by the organization's independent accountant based on information provided by management. Form 990 is inspected by the vice president of finance and the president/chief operating officer before filing.”

Form 990, Part VI, Section B, Line 15

“The board of directors determines and approves the compensation of the president. The president determines the salaries of other officers/key employees during an annual review process. Officer compensation is paid by the association's wholly-owned, for-profit subsidiary, chicago-midwest credit service corp.”

Form 990, Part VI, Section C, Line 19

“Governing documents, financial statements and tax filings are available for public inspection upon request.”

Filing and Contact Details

Filer

Filer Name
St Louis Association of Credit
EIN
43-0493480
Phone
8474836405
Address
3005 TOLLVIEW DRIVE, ROLLING MEADOWS, IL 60008

Signing Officer

Name
Phillip Lattanzio
Title
President
Phone
8474836405
Signed
2025-08-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Phillip Lattanzio
Formed
1910
Legal Domicile
Mo
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
15

Preparer

Firm
Cliftonlarsonallen Llp
Address
2021 SPRING ROAD SUITE 200, OAK BROOK, IL 60523
Preparer
Thure Ross CPA
Phone
6305738600
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Current year increase in book value of subsidiary 162,305.”

Form 990, Part XII, Line 2C

“This process has not been changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The organization consists of both not-for-profit associations, for-profit subsidiaries, and a limited liability company (llc). The associations are not-for-profit entities, described in section 501(c)(6) of the internal revenue code, except for the st. Louis association of credit management, which is described in section 501(c)(3) and are exempt from income taxes, except to the extent of any unrelated business income. There was no unrelated business income for the years ended march 31, 2025 and 2024. Accordingly, no provision for income taxes for the associations is included in the consolidated financial statements. The subsidiaries are subject to income taxes, and use the asset/liability method of accounting for income taxes. The organization determined that it was not required to record a liability for unrecognized tax benefits as of march 31, 2025 and 2024.”

Raw XML AppendixShowing 400 of 660 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/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt15203365
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt16141191
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt17144351
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt18127305
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt19126508
IRS990/Form990PartVIISectionAGrp/TitleTxt0COUNSELOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt15PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16SECRETARY/CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt17MANAGER OF CREDIT SOLUTIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18CREDIT AND RISK SOLUTIONS CONSULTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt19CHIEF COMMUNICATIONS OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01910
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt015
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0126306
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt015
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt0453
IRS990/InsuranceGrp/ProgramServicesAmt0454
IRS990/InsuranceGrp/TotalAmt0907
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt080174
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE A FORUM TO MEMBERS WITHIN THE CREDIT PROFESSION FOR EDUCATION, NETWORKING, AND BUSINESS RESOURCES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0-693324
IRS990/NetAssetsOrFundBalancesEOYAmt0-510291
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0-693324
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0-510291
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01027499
IRS990/OtherAssetsTotalGrp/EOYAmt01045399
IRS990/OtherChangesInNetAssetsAmt0162305
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0384
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0384
IRS990/OtherExpensesGrp/Desc0ADMIN. EXPENSE ALLOCATI
IRS990/OtherExpensesGrp/Desc1BUREAU ASSESSMENT
IRS990/OtherExpensesGrp/Desc2NON-RENEWAL WRITE-OFF
IRS990/OtherExpensesGrp/Desc3BOOKS AND PUBLICATIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt019549
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1873
IRS990/OtherExpensesGrp/ProgramServicesAmt021179
IRS990/OtherExpensesGrp/ProgramServicesAmt117301
IRS990/OtherExpensesGrp/ProgramServicesAmt2190
IRS990/OtherExpensesGrp/TotalAmt040728
IRS990/OtherExpensesGrp/TotalAmt117301
IRS990/OtherExpensesGrp/TotalAmt2873
IRS990/OtherExpensesGrp/TotalAmt3190
IRS990/OtherLiabilitiesGrp/BOYAmt01673863
IRS990/OtherLiabilitiesGrp/EOYAmt01511558
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt09324
IRS990/OtherSalariesAndWagesGrp/TotalAmt09324
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0746
IRS990/PayrollTaxesGrp/TotalAmt0746
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0PHILLIP LATTANZIO
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0611710
IRS990/ProgramServiceRevenueGrp/Desc0EDUCATION/SEMINARS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt046132
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt046132
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt079622
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt033920
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt033920
IRS990/PYOtherExpensesAmt097090
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt043971
IRS990/PYRevenuesLessExpensesAmt017228
IRS990/PYSalariesCompEmpBnftPaidAmt09275
IRS990/PYTotalExpensesAmt0106365
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0123593
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt020728
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt046132
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt080174
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt079622
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt082048
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt082667
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt089817
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0414328
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt046132
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt043971
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt034870
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt025557
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt023213
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IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0588071
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt00
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt0126306
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt0123593
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt0116918
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt0108224
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0113030
IRS990ScheduleA/Total509Grp/TotalAmt0588071
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt0126306
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt0123593
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt0116918
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt0108224
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0113030
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0588071
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt01045399
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0DUE FROM AFFILIATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01511558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CLOSELY HELD EQUITY INVESTMENT
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION CONSISTS OF BOTH NOT-FOR-PROFIT ASSOCIATIONS, FOR-PROFIT SUBSIDIARIES, AND A LIMITED LIABILITY COMPANY (LLC). THE ASSOCIATIONS ARE NOT-FOR-PROFIT ENTITIES, DESCRIBED IN SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE, EXCEPT FOR THE ST. LOUIS ASSOCIATION OF CREDIT MANAGEMENT, WHICH IS DESCRIBED IN SECTION 501(C)(3) AND ARE EXEMPT FROM INCOME TAXES, EXCEPT TO THE EXTENT OF ANY UNRELATED BUSINESS INCOME. THERE WAS NO UNRELATED BUSINESS INCOME FOR THE YEARS ENDED MARCH 31, 2025 AND 2024. ACCORDINGLY, NO PROVISION FOR INCOME TAXES FOR THE ASSOCIATIONS IS INCLUDED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE SUBSIDIARIES ARE SUBJECT TO INCOME TAXES, AND USE THE ASSET/LIABILITY METHOD OF ACCOUNTING FOR INCOME TAXES. THE ORGANIZATION DETERMINED THAT IT WAS NOT REQUIRED TO RECORD A LIABILITY FOR UNRECOGNIZED TAX BENEFITS AS OF MARCH 31, 2025 AND 2024.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt01045399
IRS990ScheduleD/TotalLiabilityAmt01511558
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/InitialContractExceptionInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt024781
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt13617
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt0178584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt172750
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10

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