Civic Intelligence

Electro Savings Credit Union

990 • Fiscal year 2012 • EIN 43-0605018

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 15, 2013

Organization ProfileWWW.ELECTROSAVINGS.COM

View Organization Page

1850 Craigshire Road No 20363146
Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

48th percentile

5.0%

Faster asset growth than 48% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$146,415,116

Up $6,947,133 (+5.0%) from 2011

Net Assets

Up

$12,812,454

Up $598,612 (+4.9%) from 2011

Liabilities

Up

$133,602,662

Up $6,348,521 (+5.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$8,382,508

Up $150,597 (+1.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$300M$200M$100M$0Assets 2010: $143,886,859Liabilities 2010: $132,409,915Net Assets 2010: $11,476,9442010Assets 2011: $139,467,983Liabilities 2011: $127,254,141Net Assets 2011: $12,213,8422011Assets 2012: $146,415,116Liabilities 2012: $133,602,662Net Assets 2012: $12,812,4542012Assets 2013: $146,404,420Liabilities 2013: $133,356,870Net Assets 2013: $13,047,5502013Assets 2014: $147,607,355Liabilities 2014: $133,835,016Net Assets 2014: $13,772,3392014Assets 2015: $148,882,383Liabilities 2015: $134,511,296Net Assets 2015: $14,371,0872015Assets 2016: $159,307,154Liabilities 2016: $145,132,965Net Assets 2016: $14,174,1892016Assets 2017: $161,389,587Liabilities 2017: $146,988,364Net Assets 2017: $14,401,2232017Assets 2018: $168,410,913Liabilities 2018: $154,511,793Net Assets 2018: $13,899,1202018Assets 2019: $177,091,049Liabilities 2019: $161,637,546Net Assets 2019: $15,453,5032019Assets 2020: $223,844,211Liabilities 2020: $206,711,634Net Assets 2020: $17,132,5772020Assets 2021: $250,400,815Liabilities 2021: $233,234,975Net Assets 2021: $17,165,8402021Assets 2022: $222,732,123Liabilities 2022: $208,357,450Net Assets 2022: $14,374,6732022Assets 2023: $210,183,943Liabilities 2023: $199,485,729Net Assets 2023: $10,698,2142023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2012

Assets$146,415,116
Liabilities$133,602,662
Net Assets$12,812,454
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$10M$0-$10MExpenses 2010: $8,511,0102010Expenses 2011: $8,231,9112011Expenses 2012: $8,382,5082012Revenue 2013: $8,613,451Expenses 2013: $7,816,873Net Income 2013: $796,5782013Revenue 2014: $8,493,669Expenses 2014: $7,697,270Net Income 2014: $796,3992014Revenue 2015: $9,227,442Expenses 2015: $8,404,610Net Income 2015: $822,8322015Revenue 2016: $9,031,586Expenses 2016: $8,573,148Net Income 2016: $458,4382016Revenue 2017: $8,534,218Expenses 2017: $8,385,870Net Income 2017: $148,3482017Revenue 2018: $8,917,385Expenses 2018: $8,593,481Net Income 2018: $323,9042018Revenue 2019: $9,899,667Expenses 2019: $9,240,980Net Income 2019: $658,6872019Revenue 2020: $11,018,535Expenses 2020: $9,927,027Net Income 2020: $1,091,5082020Revenue 2021: $12,131,596Expenses 2021: $11,769,098Net Income 2021: $362,4982021Revenue 2022: $13,380,765Expenses 2022: $14,999,717Net Income 2022: -$1,618,9522022Revenue 2023: $12,489,294Expenses 2023: $16,601,961Net Income 2023: -$4,112,6672023Revenue 2024: $12,719,747Expenses 2024: $14,679,317Net Income 2024: -$1,959,5702024

Highlighted filing

2012

Revenue-
Expenses$8,382,508
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 15, 2013
Return Version
2012v2.1
Gross Receipts
$17,678,938
Mission and Program Overview

Mission

The mission of electro savings credit union is to fulfill members' financial needs in a manner which is beneficial to them individually and collectively. This fulfillment will be accomplished by offering savings plans, loan programs, and other services, which are fiscally sound, competitive and innovative within the restraints imposed by good and ethical business practices. Credit union staff will administer the services and programs in a professional, courteous manner. The board of directors will act unselfishly and responsibly in all credit union activities.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, loans outstanding totaled $99,076,175.
Activity 3
Paid dividends on member deposits totaling $742,687 for the year.
Filing and Contact Details

Filer

EIN
43-0605018
Raw XML AppendixShowing 400 of 465 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/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, LOANS OUTSTANDING TOTALED $99,076,175.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $742,687 FOR THE YEAR.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED TAXABLE BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
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IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0THE CREDIT UNION PROVIDED TRAVEL FOR THE PRESIDENT'S SPOUSE RELATED TO VARIOUS CREDIT UNION CONFERENCES TOTALING $1,219 FOR THE YEAR.
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation1AN INDEPENDENT THIRD PARTY SALARY CONSULTANT MEETS WITH THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES THEM WITH COMPARATIVE SALARY SURVEY INFORMATION, AND MAKES A RECOMMENDATION ON THE PRESIDENT'S COMPENSATION PURSUANT TO A SIGNED EMPLOYMENT CONTRACT.
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation2STANLEY MOECKLI, PRESIDENT, WAS A PARTICIPANT IN A 457(F) PLAN. IN 2012, THE PLAN'S INVESTMENT MATURED AND WAS NOT RENEWED. AS RESULT, HE RECEIVED A PAYOUT OF $181,235. THIS AMOUNT WAS INCLUDED IN HIS W-2.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 1A
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference1PART I, LINE 3
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference2PART I, LINE 4B
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0STANLEY MOECKLI
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1ERIC HARDMAN
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg08647
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg18067
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg0181951
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg1166
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT
IRS990ScheduleJ/Form990ScheduleJPartII/Title1VICE PRESIDENT FINANCE
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0433098
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1154675
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/IndependentConsultant0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2CERTAIN SIGNIFICANT CHANGES SUCH AS CHANGES TO THE BY-LAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE IN 2012.
IRS990ScheduleO/GeneralExplanation/Explanation3THE SUPERVISORY COMMITTEE SELECTS THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT, WHO IN TURN, REVIEWS DETAILS WITH CREDIT UNION MANAGEMENT BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4ON AN ANNUAL BASIS, ALL DIRECTORS AND SENIOR MANAGEMENT REVIEW THE CONFLICT OF INTEREST POLICY AND ARE ASKED TO DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. RESULTS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation5AN INDEPENDENT THIRD PARTY SALARY CONSULTANT MEETS WITH THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES THEM WITH COMPARATIVE SALARY SURVEY INFORMATION, AND MAKES A RECOMMENDATION ON THE PRESIDENT'S COMPENSATION PURSUANT TO A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, 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/GeneralExplanation/Explanation7NET CHANGE IN UNRECOGNIZED LOSS ON PENSION PLAN -173,467. EQUITY ACQUIRED IN MERGER 111,265.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 9:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0MO
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101850 CRAIGSHIRE ROAD NO 203
IRS990/TheBooksAreInCareOf/AddressUS/City0ST LOUIS
IRS990/TheBooksAreInCareOf/AddressUS/State0MO
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode063146
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10STANLEY MOECKLI
IRS990/TheBooksAreInCareOf/TelephoneNumber03144346470
IRS990/TotalAssets/BOY0139467983

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$146,415,116
Liabilities
$133,602,662
Net assets
$12,812,454
Revenue
-
Expenses
$8,382,508
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$12.7$14.7$1.96
2023Detailed filing. Detailed filing data is available for this year.$210$199$10.7$12.5$16.6$4.11
2022Detailed filing. Detailed filing data is available for this year.$223$208$14.4$13.4$15.0$1.62
2021Detailed filing. Detailed filing data is available for this year.$250$233$17.2$12.1$11.8$0.36
2020Detailed filing. Detailed filing data is available for this year.$224$207$17.1$11.0$9.93$1.09
2019Detailed filing. Detailed filing data is available for this year.$177$162$15.5$9.90$9.24$0.66
2018Detailed filing. Detailed filing data is available for this year.$168$155$13.9$8.92$8.59$0.32
2017Detailed filing. Detailed filing data is available for this year.$161$147$14.4$8.53$8.39$0.15
2016Detailed filing. Detailed filing data is available for this year.$159$145$14.2$9.03$8.57$0.46
2015Detailed filing. Detailed filing data is available for this year.$149$135$14.4$9.23$8.40$0.82
2014Detailed filing. Detailed filing data is available for this year.$148$134$13.8$8.49$7.70$0.80
2013Detailed filing. Detailed filing data is available for this year.$146$133$13.0$8.61$7.82$0.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$146$134$12.8$8.38
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$139$127$12.2$8.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$144$132$11.5$8.51