Civic Intelligence

St Louis Community Credit Union

EIN 43-0616804 • 501(c)14 • st louis, MO

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Profile

Voluntary, cooperative, non-profit credit union, providing a source of credit at a fair and reasonable rate of interest, earnings, savings, financial benefits and services to our members and an opportunity to improve their economic & social conditions.

3651 forest park avest louis, MO 63108

www.stlouiscommunity.com

Siviq Scores

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

Liabilities / Assets

21st percentile

0.87x

Higher debt load relative to assets than 21% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

5th percentile

9.74x

Higher debt load relative to revenue than 5% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

37th percentile

6.4%

Higher net margin than 37% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

43rd percentile

$413,000

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

54th percentile

3.1%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

6th percentile

-2.0%

Faster revenue growth than 6% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets21st percentile

Assets

Up

$409,482,603

Up $5,340,814 (+1.3%) from 2022

Liabilities

Down

$356,098,549

Down $6,863,944 (-1.9%) from 2022

Net Assets

Up

$53,384,054

Up $12,204,758 (+30%) from 2022

Operations
Liabilities / Revenue5th percentileNet Margin37th percentile

Revenue

Up

$36,544,416

Up $6,121,703 (+20%) from 2022

Expenses

Up

$34,216,903

Up $7,070,632 (+26%) from 2022

Net Income

Down

$2,327,513

Down $948,929 (-29%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$600M$400M$200M$0Assets 2010: $193,578,729Liabilities 2010: $164,187,773Net Assets 2010: $29,390,9562010Assets 2011: $210,699,974Liabilities 2011: $180,093,796Net Assets 2011: $30,606,1782011Assets 2012: $226,036,515Liabilities 2012: $195,375,339Net Assets 2012: $30,661,1762012Assets 2014: $233,429,952Liabilities 2014: $201,616,833Net Assets 2014: $31,813,1192014Assets 2015: $246,315,632Liabilities 2015: $214,419,870Net Assets 2015: $31,895,7622015Assets 2017: $257,778,449Liabilities 2017: $223,302,580Net Assets 2017: $34,475,8692017Assets 2018: $282,198,946Liabilities 2018: $243,699,569Net Assets 2018: $38,499,3772018Assets 2019: $298,371,378Liabilities 2019: $256,903,246Net Assets 2019: $41,468,1322019Assets 2021: $406,187,684Liabilities 2021: $357,174,046Net Assets 2021: $49,013,6382021Assets 2022: $404,141,789Liabilities 2022: $362,962,493Net Assets 2022: $41,179,2962022Assets 2024: $409,482,603Liabilities 2024: $356,098,549Net Assets 2024: $53,384,0542024

Highlighted filing

2024

Assets$409,482,603
Liabilities$356,098,549
Net Assets$53,384,054
Open 2024 Filing

Operations Trend

Revenue Growth6th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $15,293,0552010Expenses 2011: $16,384,1242011Expenses 2012: $17,667,7992012Revenue 2014: $20,266,417Expenses 2014: $19,222,712Net Income 2014: $1,043,7052014Revenue 2015: $21,584,138Expenses 2015: $19,955,956Net Income 2015: $1,628,1822015Revenue 2017: $25,100,853Expenses 2017: $23,213,371Net Income 2017: $1,887,4822017Revenue 2018: $28,887,997Expenses 2018: $25,310,767Net Income 2018: $3,577,2302018Revenue 2019: $29,285,158Expenses 2019: $26,826,509Net Income 2019: $2,458,6492019Revenue 2021: $27,477,694Expenses 2021: $24,000,648Net Income 2021: $3,477,0462021Revenue 2022: $30,422,713Expenses 2022: $27,146,271Net Income 2022: $3,276,4422022Revenue 2024: $36,544,416Expenses 2024: $34,216,903Net Income 2024: $2,327,5132024

Highlighted filing

2024

Revenue$36,544,416
Expenses$34,216,903
Net Income$2,327,513
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$409,482,603
Liabilities
$356,098,549
Net assets
$53,384,054
Revenue
$36,544,416
Expenses
$34,216,903
Net income
$2,327,513
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$409$356$53.4$36.5$34.2$2.33
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$404$363$41.2$30.4$27.1$3.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$406$357$49.0$27.5$24.0$3.48
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$298$257$41.5$29.3$26.8$2.46
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$282$244$38.5$28.9$25.3$3.58
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$258$223$34.5$25.1$23.2$1.89
2015Detailed filing. Detailed filing data is available for this year.$246$214$31.9$21.6$20.0$1.63
2014Detailed filing. Detailed filing data is available for this year.$233$202$31.8$20.3$19.2$1.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$226$195$30.7$17.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$211$180$30.6$16.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$164$29.4$15.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.1
Gross Receipts
$36,544,416
Mission and Program Overview

Mission

Voluntary cooperative non-profit credit union providing a source of credit at a fair & reasonable rate of interest earnings savings financial benefits & services to our members and an opportunity to improve their economic & social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$216,869,394$204,341,055▼ $12,528,339
Investments in Publicly Traded Securities$116,654,801$142,127,912▲ $25,473,111
Rtn Earn Endowment Incm Other Fnds$47,425,746$53,384,054▲ $5,958,308
Cash and Non-Interest-Bearing Accounts$21,488,846$21,626,627▲ $137,781
Land, Buildings, and Equipment, Net$11,873,901$13,313,574▲ $1,439,673
Accounts Receivable$5,806,381$2,046,147▼ $3,760,234
Prepaid Expenses and Deferred Charges$1,514,150$1,146,861▼ $367,289
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$397,305,467$409,482,603▲ $12,177,136
Other Assets Total$23,097,994$24,880,427▲ $1,782,433
Liabilities
Other Liabilities$339,934,502$346,612,577▲ $6,678,075
Accounts Payable and Accrued Expenses$9,945,219$9,485,972▼ $459,247
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$349,879,721$356,098,549▲ $6,218,828
Net Assets / Fund Balance
Total Net Assets Fund Balance$47,425,746$53,384,054▲ $5,958,308
Total Liabilities and Net Assets / Fund Balance$397,305,467$409,482,603▲ $12,177,136

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,397,287$5,220,991$10,618,278
Leasehold Improvements$2,890,701$2,768,251$5,658,951
Equipment$650,545$3,919,823$4,570,369
Land$4,256,995-$4,256,995
Other Land Buildings$118,046$924,537$1,042,583
Other Assets Org$277,644--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kirk MillsChief Executive OfficerFT$413,000$413,000
Alex FennoySenior Vice President - Business ServicesFT$294,750$294,750
Craig RenoChief Information OfficerFT$252,775$252,775
Megan DownsChief Financial OfficerFT$204,388$204,388
Patricia ParchmonChief Operations OfficerFT$167,706$167,706

Board Members and Trustees

NameTitle
Angela Franksdirector
Gerald Brooksdirector
John Windomdirector
Kamarrah Killiondirector
Steven Wooddirector
Susan Katzmandirector
Thomas Sullivandirector
Timothy Butlerdirector
Revenue and Support

Revenue Composition

Contributions and Grants
$1,186,820
Program Service Revenue
$30,364,173
Investment Income
$4,993,423
Other Revenue
$0
All Other Contributions
$1,186,820
Change in Net Assets
$2,327,513

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,544,416
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$36,544,416
Total Revenue per Form 990
$36,544,416
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,132,520
Salaries, Compensation, and Employee Benefits$11,064,383
Grants and Similar Amounts Paid$20,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$0$0$7,873,075
Office Expenses$0$0$0$6,359,944
Interest$0$0$0$4,916,341
Other Employee Benefits$0$0$0$1,640,349
Current Officers, Directors, Trustees, and Key Employees$0$0$0$1,538,303
Information Technology$0$0$0$1,282,734
Occupancy$0$0$0$1,012,360
Other Expenses$0$0$0$383,367
Advertising$0$0$0$274,156
Fees for Services Legal$0$0$0$39,876
Travel$0$0$0$34,723
Grants to Domestic Orgs$0--$20,000
Pension Plan Contributions$0$0$0$12,656
Conferences and Meetings$0$0$0$6,486
Total Functional Expenses$0$0$0$34,216,903

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$34,216,903
Total Expenses per Audited Statements$34,216,903
Total Expenses per Form 990$34,216,903
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Roses FoundationUcity, MO501(c)(3)General Support$20,000
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Non-Member Deposits$346,612,577
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“We are a member-owned Credit Union. Each member has one vote in an election of board of directors.”

Part VI, Line 7A

“We are a credit union whose members are account holders. Each member has one vote in any election of board of directors”

Part VI, Line 11A

“Preparation and completion of the 990 return is the responsibility of the CFO. A review of the report is done with the CEO for accuracy prior to submission to the Internal Revenue Service.”

Part VI, Line 11B

“Preparation and completion of the 990 return is the responsibility of the CFO. A review of the report is done with the CEO for accuracy prior to submission to the IRS”

Part VI, Line 12C

“All employees officers and directors are required to sign a conflict of interest policy on an annual basis.”

Part VI, Line 15

“Salaries of officers and key employees are determined using comparability data.”

Part VI, Line 19

“All members of the credit union may request in person an opportunity to view the credit union financials while in the offices.”

Filing and Contact Details

Filer

Filer Name
st louis community credit union
EIN
43-0616804
In Care Of
% Megan Downs
Phone
3145347610
Address
3651 forest park ave, st louis, MO 63108
Doing Business As
st louis community credit union

Signing Officer

Name
Megan Downs
Title
SVP CFO
Signed
2025-05-01

Organization Details

Principal Officer
Megan Downs
Formed
1942
Legal Domicile
Mo
Voting Board Members
8
Independent Board Members
8
Employees
186
Volunteers
0
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| gain loss pension AFS Securities subordinated debt, Equity change Explanation, $3630795|”

Raw XML AppendixShowing 400 of 779 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/BooksInCareOfDetail/PhoneNum03145347610
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03651 Forest Park
IRS990/BooksInCareOfDetail/USAddress/CityNm0St Louis
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
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