Civic Intelligence

St Louis Firefighters & Community Credit Union

990 • Fiscal year 2015 • EIN 43-0497473

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 01, 2016

Organization ProfileWWW.STLFFCU.ORG
5530 Fyler AveSt Louis, MO 63139-1535

(314) 752-5444

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.86x

Higher debt load relative to assets than 43% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

65th percentile

23.09x

Higher debt load relative to revenue than 65% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

11th percentile

-7.5%

Higher net margin than 11% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$100,114

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 15.5% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

46th percentile

2.7%

Faster asset growth than 46% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

26th percentile

-2.9%

Faster revenue growth than 26% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$17,336,380

Up $447,825 (+2.7%) from 2014

Net Assets

Down

$2,450,153

Down $52,412 (-2.1%) from 2014

Liabilities

Up

$14,886,227

Up $500,237 (+3.5%) from 2014

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin11th percentile

Revenue

Down

$644,842

Down $19,142 (-2.9%) from 2014

Expenses

Up

$692,890

Up $34,878 (+5.3%) from 2014

Net Income

Down

-$48,048

Down $54,020 (-905%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth46th percentile

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

$30M$20M$10M$0Assets 2010: $16,161,413Liabilities 2010: $13,448,806Net Assets 2010: $2,712,6072010Assets 2011: $15,681,448Liabilities 2011: $13,003,476Net Assets 2011: $2,677,9722011Assets 2012: $16,784,019Liabilities 2012: $14,236,662Net Assets 2012: $2,547,3572012Assets 2013: $17,466,392Liabilities 2013: $14,974,141Net Assets 2013: $2,492,2512013Assets 2014: $16,888,555Liabilities 2014: $14,385,990Net Assets 2014: $2,502,5652014Assets 2015: $17,336,380Liabilities 2015: $14,886,227Net Assets 2015: $2,450,1532015Assets 2016: $17,883,346Liabilities 2016: $15,492,965Net Assets 2016: $2,390,3812016Assets 2018: $18,785,199Liabilities 2018: $16,314,180Net Assets 2018: $2,471,0192018Assets 2019: $18,996,668Liabilities 2019: $16,477,474Net Assets 2019: $2,519,1942019Assets 2020: $21,534,173Liabilities 2020: $19,029,015Net Assets 2020: $2,505,1582020Assets 2021: $24,022,598Liabilities 2021: $21,640,867Net Assets 2021: $2,381,7312021Assets 2022: $24,085,529Liabilities 2022: $21,736,504Net Assets 2022: $2,349,0252022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2015

Assets$17,336,380
Liabilities$14,886,227
Net Assets$2,450,153
Open 2015 Filing

Operations Trend

Revenue Growth26th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $851,6372010Expenses 2011: $778,8002011Expenses 2012: $811,7502012Revenue 2013: $643,436Expenses 2013: $684,026Net Income 2013: -$40,5902013Revenue 2014: $663,984Expenses 2014: $658,012Net Income 2014: $5,9722014Revenue 2015: $644,842Expenses 2015: $692,890Net Income 2015: -$48,0482015Revenue 2016: $638,331Expenses 2016: $693,734Net Income 2016: -$55,4032016Revenue 2018: $722,245Expenses 2018: $682,154Net Income 2018: $40,0912018Revenue 2019: $771,759Expenses 2019: $723,388Net Income 2019: $48,3712019Revenue 2020: $653,497Expenses 2020: $672,811Net Income 2020: -$19,3142020Revenue 2021: $549,166Expenses 2021: $668,780Net Income 2021: -$119,6142021Revenue 2022: $674,604Expenses 2022: $701,832Net Income 2022: -$27,2282022Revenue 2023: $776,203Expenses 2023: $700,049Net Income 2023: $76,1542023

Highlighted filing

2015

Revenue$644,842
Expenses$692,890
Net Income-$48,048
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 1, 2016
Return Version
2015v2.1
Gross Receipts
$644,842
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,653,034$9,570,494▲ $917,460
Other Notes and Loans Receivable, Net$5,512,446$5,415,287▼ $97,159
Rtn Earn Endowment Incm Other Fnds$2,502,565$2,450,153▼ $52,412
Land, Buildings, and Equipment, Net$1,025,976$990,423▼ $35,553
Investments Other Securities$1,017,612$798,855▼ $218,757
Cash and Non-Interest-Bearing Accounts$467,856$359,011▼ $108,845
Prepaid Expenses and Deferred Charges$10,691$11,587▲ $896
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$16,888,555$17,336,380▲ $447,825
Other Assets Total$200,940$190,723▼ $10,217
Liabilities
Other Liabilities$14,197,735$14,646,936▲ $449,201
Accounts Payable and Accrued Expenses$188,255$239,291▲ $51,036
Total Liabilities$14,385,990$14,886,227▲ $500,237
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,502,565$2,450,153▼ $52,412
Total Liabilities and Net Assets / Fund Balance$16,888,555$17,336,380▲ $447,825

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$478,094$493,600$971,694
Buildings$470,707$313,029$783,736
Other Land Buildings$2,731$36,195$38,926
Land$38,891-$38,891
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall BluePresidentFT$84,110$16,004$100,114

Board Members and Trustees

NameTitle
Sandra ZwickChairman
Larry PowellVice Chairman
Andy RiosDirector
Ben LedbetterDirector
Larry ConleyDirector
Maribeth NienhausDirector
Steven KotrabaDirector
Andrew TracySecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$481,164
Investment Income
$160,968
Other Revenue
$2,710
Change in Net Assets
$-48,048
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$356,633
Other Expenses$336,257
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$205,068
Current Officers, Directors, Trustees, and Key Employees---$100,114
Office Expenses---$67,097
Depreciation Depletion---$42,036
Information Technology---$39,849
Occupancy---$24,399
Fees for Services Other---$23,606
Payroll Taxes---$22,194
Insurance---$19,150
Other Employee Benefits---$17,622
Other Expenses---$14,695
Pension Plan Contributions---$11,635
Fees for Services Accounting---$8,938
Travel---$4,825
Advertising---$3,113
Fees for Services Legal---$3,054
Conferences and Meetings---$1,944
All Other Expenses---$307
Total Functional Expenses$0$0$0$692,890
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$14,646,936
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
Yes
Other officer compensation reviewed
Yes
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, 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

“Significant changes such as mergers and changes to the bylaws 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 at a meeting of the board of directors.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews the president's performance and determines and approves compensation based on a written employment contract. All other employees' compensation is determined by the president and is included in the budget package presented to the board for approval. The board's deliberations and decisions are documented in the 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. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
St Louis Firefighters & Community
EIN
43-0497473
Phone
3147525444
Address
5530 FYLER AVE, ST LOUIS, MO 63139-1535

Signing Officer

Name
Randall Blue
Title
President
Phone
3147525444
Signed
2016-11-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall Blue
Formed
1933
Legal Domicile
Mo
Voting Board Members
8
Independent Board Members
8
Employees
8
Volunteers
10

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Raw XML Appendix353 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/PersonNm2ANDREW TRACY
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
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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, 2015, THERE WERE 782 LOANS OUTSTANDING TOTALING $5,456,685.
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt08653034
IRS990/SavingsAndTempCashInvstGrp/EOYAmt09570494
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0470707
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0313029
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0783736
IRS990ScheduleD/EquipmentGrp/BookValueAmt0478094
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0493600
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0971694
IRS990ScheduleD/LandGrp/BookValueAmt038891
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt038891
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02731
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt036195
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt038926
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014646936
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0990423
IRS990ScheduleD/TotalLiabilityAmt014646936
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO THE BYLAWS 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 AT A MEETING OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES AND APPROVES COMPENSATION BASED ON A WRITTEN EMPLOYMENT CONTRACT. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS INCLUDED IN THE BUDGET PACKAGE PRESENTED TO THE BOARD FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL 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. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016888555
IRS990/TotalAssetsEOYAmt017336380
IRS990/TotalAssetsGrp/BOYAmt016888555
IRS990/TotalAssetsGrp/EOYAmt017336380
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0692890
IRS990/TotalGrossUBIAmt0997
IRS990/TotalLiabilitiesBOYAmt014385990
IRS990/TotalLiabilitiesEOYAmt014886227
IRS990/TotalLiabilitiesGrp/BOYAmt014385990
IRS990/TotalLiabilitiesGrp/EOYAmt014886227
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02502565
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02450153
IRS990/TotalOtherCompensationAmt016004
IRS990/TotalProgramServiceRevenueAmt0481164
IRS990/TotalReportableCompFromOrgAmt084110
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0643845
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0644842
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0997
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016888555
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017336380
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt04825
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05530 FYLER AVE
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063139
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.STLFFCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RANDALL BLUE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03147525444
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST LOUIS FIREFIGHTERS & COMMUNITY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STLO
ReturnHeader/Filer/EIN0430497473
ReturnHeader/Filer/PhoneNum03147525444
ReturnHeader/Filer/USAddress/AddressLine1Txt05530 FYLER AVE
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631391535
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02016-11-01T13:28:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,336,380
Liabilities
$14,886,227
Net assets
$2,450,153
Revenue
$644,842
Expenses
$692,890
Net income
-$48,048
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.78$0.70$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.1$21.7$2.35$0.67$0.70$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.0$21.6$2.38$0.55$0.67$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.5$19.0$2.51$0.65$0.67$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$16.5$2.52$0.77$0.72$0.05
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$16.3$2.47$0.72$0.68$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.9$15.5$2.39$0.64$0.69$0.06
2015Detailed filing. Detailed filing data is available for this year.$17.3$14.9$2.45$0.64$0.69$0.05
2014Detailed filing. Detailed filing data is available for this year.$16.9$14.4$2.50$0.66$0.66$0.01
2013Detailed filing. Detailed filing data is available for this year.$17.5$15.0$2.49$0.64$0.68$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.8$14.2$2.55$0.81
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.7$13.0$2.68$0.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.2$13.4$2.71$0.85
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $10M-$25M nonprofits