Civic Intelligence

South Community Credit Union

EIN 43-0623565 • 501(c)14 • Sullivan, MO

Profile

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

280 South Service Road WestSullivan, MO 63080-1559

sccuonline.com

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

69th percentile

21.61x

Higher debt load relative to revenue than 69% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

19th percentile

-17%

Higher net margin than 19% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

87th percentile

5.2%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

30th percentile

-2.7%

Faster revenue growth than 30% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$8,705,247

Up $428,791 (+5.2%) from 2016

Liabilities

Up

$7,766,283

Up $491,447 (+6.8%) from 2016

Net Assets

Down

$938,964

Down $62,656 (-6.3%) from 2016

Operations
Liabilities / Revenue69th percentileNet Margin19th percentile

Revenue

Down

$359,344

Down $9,948 (-2.7%) from 2016

Expenses

Up

$420,192

Up $36,469 (+9.5%) from 2016

Net Income

Down

-$60,848

Down $46,417 (-322%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,173,099Liabilities 2010: $10,022,472Net Assets 2010: $1,150,6272010Assets 2011: $10,733,189Liabilities 2011: $9,629,548Net Assets 2011: $1,103,6412011Assets 2012: $11,010,126Liabilities 2012: $9,977,934Net Assets 2012: $1,032,1922012Assets 2013: $11,302,162Liabilities 2013: $10,335,646Net Assets 2013: $966,5162013Assets 2014: $7,854,151Liabilities 2014: $6,879,954Net Assets 2014: $974,1972014Assets 2015: $8,334,723Liabilities 2015: $7,318,184Net Assets 2015: $1,016,5392015Assets 2016: $8,276,456Liabilities 2016: $7,274,836Net Assets 2016: $1,001,6202016Assets 2017: $8,705,247Liabilities 2017: $7,766,283Net Assets 2017: $938,9642017

Highlighted filing

2017

Assets$8,705,247
Liabilities$7,766,283
Net Assets$938,964
Open 2017 Filing

Operations Trend

Revenue Growth30th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $838,8072010Expenses 2011: $629,3322011Expenses 2012: $569,9242012Revenue 2013: $501,209Expenses 2013: $566,885Net Income 2013: -$65,6762013Revenue 2014: $426,151Expenses 2014: $418,470Net Income 2014: $7,6812014Revenue 2015: $493,119Expenses 2015: $450,777Net Income 2015: $42,3422015Revenue 2016: $369,292Expenses 2016: $383,723Net Income 2016: -$14,4312016Revenue 2017: $359,344Expenses 2017: $420,192Net Income 2017: -$60,8482017

Highlighted filing

2017

Revenue$359,344
Expenses$420,192
Net Income-$60,848
Open 2017 Filing

Filings

Most recent year

2017 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$8,705,247
Liabilities
$7,766,283
Net assets
$938,964
Revenue
$359,344
Expenses
$420,192
Net income
-$60,848
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.71$7.77$0.94$0.36$0.42$0.06
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.28$7.27$1.00$0.37$0.38$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.33$7.32$1.02$0.49$0.45$0.04
2014Detailed filing. Detailed filing data is available for this year.$7.85$6.88$0.97$0.43$0.42$0.01
2013Detailed filing. Detailed filing data is available for this year.$11.3$10.3$0.97$0.50$0.57$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$9.98$1.03$0.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.63$1.10$0.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$10.0$1.15$0.84
Latest Detailed Filing

The latest 2017 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2014 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 22, 2015
Return Version
2014v5.0
Gross Receipts
$426,151
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
Other Notes and Loans Receivable, Net$4,122,362$3,961,120▼ $161,242
Savings and Temporary Cash Investments$6,384,792$3,383,135▼ $3,001,657
Rtn Earn Endowment Incm Other Fnds$966,516$974,197▲ $7,681
Land, Buildings, and Equipment, Net$294,146$271,193▼ $22,953
Cash and Non-Interest-Bearing Accounts$346,170$83,562▼ $262,608
Prepaid Expenses and Deferred Charges$15,460$37,334▲ $21,874
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,302,162$7,854,151▼ $3,448,011
Other Assets Total$139,232$117,807▼ $21,425
Liabilities
Other Liabilities$10,321,784$6,870,086▼ $3,451,698
Accounts Payable and Accrued Expenses$13,862$9,868▼ $3,994
Total Liabilities$10,335,646$6,879,954▼ $3,455,692
Net Assets / Fund Balance
Total Net Assets Fund Balance$966,516$974,197▲ $7,681
Total Liabilities and Net Assets / Fund Balance$11,302,162$7,854,151▼ $3,448,011

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$50,849$335,317$386,166
Buildings$11,680$285,522$297,202
Leasehold Improvements$90,547$32,234$122,781
Land$118,117-$118,117
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michelle VolkmannPresidentFT$45,541$4,125$49,666

Board Members and Trustees

NameTitle
Don BunkChairman
Joseph WilhiteVice Chairman
Clyde Butch SellersBoard Member
Michael SchatzBoard Member
Kelli RappSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$408,627
Investment Income
$17,524
Other Revenue
$0
Change in Net Assets
$7,681
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$272,911
Salaries, Compensation, and Employee Benefits$145,559
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$145,813
Other Salaries and Wages---$72,485
Occupancy---$62,504
Current Officers, Directors, Trustees, and Key Employees---$49,666
Depreciation Depletion---$31,247
Information Technology---$17,520
Insurance---$15,754
Payroll Taxes---$13,039
Other Employee Benefits---$10,369
Fees for Services Accounting---$7,773
Advertising---$4,314
Conferences and Meetings---$2,972
All Other Expenses---$-135
Other Expenses---$-41,574
Total Functional Expenses$0$0$0$418,470
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$6,870,086
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
No
Other officer compensation reviewed
No
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

“Significant changes such as changes to bylaws and mergers 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 prepared by an outside accounting firm based on information provided by the credit union. The president reviews the return before filing.”

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

“On an annual basis, the president and all directors, committee members and employees 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 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
South Community Credit Union
EIN
43-0623565
Phone
5734688068
Address
280 SOUTH SERVICE ROAD WEST, SULLIVAN, MO 63080-1559

Signing Officer

Name
Michelle Volkmann
Title
President
Phone
5734688068
Signed
2015-04-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michelle Volkmann
Formed
1934
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
6

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part III, line 3

“In 2014, the credit union closed the gravois road branch in st. Louis.”

Raw XML Appendix323 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt013862
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt09868
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt04314
IRS990/AllOtherExpensesGrp/TotalAmt0-135
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0MICHELLE VOLKMANN
IRS990/BooksInCareOfDetail/PhoneNum05734688068
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0280 SOUTH SERVICE ROAD WEST
IRS990/BooksInCareOfDetail/USAddress/CityNm0SULLIVAN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0630801559
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0346170
IRS990/CashNonInterestBearingGrp/EOYAmt083562
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt049666
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt02972
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt017524
IRS990/CYOtherExpensesAmt0272911
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0408627
IRS990/CYRevenuesLessExpensesAmt07681
IRS990/CYSalariesCompEmpBnftPaidAmt0145559
IRS990/CYTotalExpensesAmt0418470
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0426151
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt031247
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,761 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt07773
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt545.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt54125
IRS990/Form990PartVIISectionAGrp/PersonNm0DON BUNK
IRS990/Form990PartVIISectionAGrp/PersonNm1JOSEPH WILHITE
IRS990/Form990PartVIISectionAGrp/PersonNm2KELLI RAPP
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHAEL SCHATZ
IRS990/Form990PartVIISectionAGrp/PersonNm4CLYDE BUTCH SELLERS
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHELLE VOLKMANN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt545541
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0426151
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt017520
IRS990/InsuranceGrp/TotalAmt015754
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt017524
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt017524
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0145
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0653073
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0294146
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0271193
IRS990/LandBldgEquipCostOrOtherBssAmt0924266
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0966516
IRS990/NetAssetsOrFundBalancesEOYAmt0974197
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt062504
IRS990/OfficeExpensesGrp/TotalAmt0145813
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0139232
IRS990/OtherAssetsTotalGrp/EOYAmt0117807
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt010369
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt012875
IRS990/OtherExpensesGrp/TotalAmt18696
IRS990/OtherExpensesGrp/TotalAmt25152
IRS990/OtherExpensesGrp/TotalAmt3-41574
IRS990/OtherLiabilitiesGrp/BOYAmt010321784
IRS990/OtherLiabilitiesGrp/EOYAmt06870086
IRS990/OtherSalariesAndWagesGrp/TotalAmt072485
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04122362
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03961120
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt013039
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt015460
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt037334
IRS990/PrincipalOfficerNm0MICHELLE VOLKMANN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0300079
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1108548
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0300079
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1108548
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 701 LOANS OUTSTANDING TOTALING $4,010,363.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $8,696 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt023580
IRS990/PYOtherExpensesAmt0362642
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0477629
IRS990/PYRevenuesLessExpensesAmt0-65676
IRS990/PYSalariesCompEmpBnftPaidAmt0204243
IRS990/PYTotalExpensesAmt0566885
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0501209
IRS990/ReconcilationRevenueExpnssAmt07681
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0966516
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0974197
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06384792
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03383135
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt011680
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0285522
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0297202
IRS990ScheduleD/EquipmentGrp/BookValueAmt050849
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0335317
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0386166
IRS990ScheduleD/LandGrp/BookValueAmt0118117
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0118117
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt090547
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt032234
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0122781
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06870086
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0271193
IRS990ScheduleD/TotalLiabilityAmt06870086
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IN 2014, THE CREDIT UNION CLOSED THE GRAVOIS ROAD BRANCH IN ST. LOUIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS PREPARED BY AN OUTSIDE ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY THE CREDIT UNION. THE PRESIDENT REVIEWS THE RETURN BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS AND EMPLOYEES 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/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. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part III, line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011302162
IRS990/TotalAssetsEOYAmt07854151
IRS990/TotalAssetsGrp/BOYAmt011302162
IRS990/TotalAssetsGrp/EOYAmt07854151
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0418470
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010335646
IRS990/TotalLiabilitiesEOYAmt06879954
IRS990/TotalLiabilitiesGrp/BOYAmt010335646
IRS990/TotalLiabilitiesGrp/EOYAmt06879954
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0966516
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0974197
IRS990/TotalOtherCompensationAmt04125
IRS990/TotalProgramServiceRevenueAmt0408627
IRS990/TotalReportableCompFromOrgAmt045541
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0426151
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0426151
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011302162
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07854151
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0280 SOUTH SERVICE ROAD WEST
IRS990/USAddress/CityNm0SULLIVAN
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0630801559
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0SCCUONLINE.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELLE VOLKMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05734688068
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOUTH COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0430623565
ReturnHeader/Filer/PhoneNum05734688068
ReturnHeader/Filer/USAddress/AddressLine1Txt0280 SOUTH SERVICE ROAD WEST
ReturnHeader/Filer/USAddress/CityNm0SULLIVAN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0630801559
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/ReturnTs02015-04-22T13:31:34-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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