Civic Intelligence

Alliance Credit Union

990 • Fiscal year 2013 • EIN 43-0658202

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

575 Rudder RdFenton, MO 63026-2005

(636) 343-7005

Siviq Scores

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

Liabilities / Assets

84th percentile

0.92x

Higher debt load relative to assets than 84% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

72nd percentile

20.59x

Higher debt load relative to revenue than 72% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

57th percentile

12%

Higher net margin than 57% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

93rd percentile

$402,839

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

88th percentile

8.2%

Faster asset growth than 88% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Up

$212,796,235

Up $16,058,965 (+8.2%) from 2012

Net Assets

Up

$17,266,128

Up $1,238,554 (+7.7%) from 2012

Liabilities

Up

$195,530,107

Up $14,820,411 (+8.2%) from 2012

Revenue

$9,494,322

No earlier filing loaded for comparison.

Expenses

Up

$8,359,943

Up $90,751 (+1.1%) from 2012

Net Income

$1,134,379

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $177,063,853Liabilities 2010: $162,389,574Net Assets 2010: $14,674,2792010Assets 2011: $183,243,892Liabilities 2011: $168,268,506Net Assets 2011: $14,975,3862011Assets 2012: $196,737,270Liabilities 2012: $180,709,696Net Assets 2012: $16,027,5742012Assets 2013: $212,796,235Liabilities 2013: $195,530,107Net Assets 2013: $17,266,1282013Assets 2014: $222,989,318Liabilities 2014: $202,707,345Net Assets 2014: $20,281,9732014Assets 2015: $222,446,064Liabilities 2015: $201,231,977Net Assets 2015: $21,214,0872015Assets 2016: $237,725,123Liabilities 2016: $214,983,016Net Assets 2016: $22,742,1072016Assets 2017: $261,740,765Liabilities 2017: $236,467,055Net Assets 2017: $25,273,7102017Assets 2018: $281,853,804Liabilities 2018: $254,498,962Net Assets 2018: $27,354,8422018Assets 2019: $311,983,158Liabilities 2019: $282,146,166Net Assets 2019: $29,836,9922019Assets 2020: $367,476,135Liabilities 2020: $335,091,860Net Assets 2020: $32,384,2752020Assets 2021: $375,125,744Liabilities 2021: $340,036,591Net Assets 2021: $35,089,1532021Assets 2023: $390,251,724Liabilities 2023: $349,969,131Net Assets 2023: $40,282,5932023Assets 2024: $374,511,521Liabilities 2024: $331,574,136Net Assets 2024: $42,937,3852024

Highlighted filing

2013

Assets$212,796,235
Liabilities$195,530,107
Net Assets$17,266,128

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $9,097,4932010Expenses 2011: $8,585,2582011Expenses 2012: $8,269,1922012Revenue 2013: $9,494,322Expenses 2013: $8,359,943Net Income 2013: $1,134,3792013Revenue 2014: $11,254,836Expenses 2014: $9,931,176Net Income 2014: $1,323,6602014Revenue 2015: $11,786,395Expenses 2015: $10,243,277Net Income 2015: $1,543,1182015Revenue 2016: $11,958,686Expenses 2016: $10,430,666Net Income 2016: $1,528,0202016Revenue 2017: $13,783,518Expenses 2017: $12,044,493Net Income 2017: $1,739,0252017Revenue 2018: $15,884,023Expenses 2018: $13,802,892Net Income 2018: $2,081,1312018Revenue 2019: $17,381,795Expenses 2019: $14,899,645Net Income 2019: $2,482,1502019Revenue 2020: $16,286,305Expenses 2020: $13,991,660Net Income 2020: $2,294,6452020Revenue 2021: $16,401,673Expenses 2021: $13,696,794Net Income 2021: $2,704,8792021Revenue 2023: $19,315,852Expenses 2023: $17,114,240Net Income 2023: $2,201,6122023Revenue 2024: $22,307,413Expenses 2024: $19,770,705Net Income 2024: $2,536,7082024

Highlighted filing

2013

Revenue$9,494,322
Expenses$8,359,943
Net Income$1,134,379
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.1
Gross Receipts
$10,116,105
Mission and Program Overview

Mission

Provide competive financial services and products that deliver value and enrich the lives of our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$159,008,396$183,787,311▲ $24,778,915
Land, Buildings, and Equipment, Net$6,018,923$7,298,091▲ $1,279,168
Investments Other Securities$5,586,821$7,138,821▲ $1,552,000
Inventories for Sale or Use$230,005$2,222,033▲ $1,992,028
Cash and Non-Interest-Bearing Accounts$1,512,600$1,357,472▼ $155,128
Receivables From Officers Etc$1,293,856$1,217,304▼ $76,552
Investments in Publicly Traded Securities$2,610,763$1,046,015▼ $1,564,748
Savings and Temporary Cash Investments$13,030,121$974,249▼ $12,055,872
Prepaid Expenses and Deferred Charges$429,673$615,166▲ $185,493
Total Assets$196,737,269$212,796,235▲ $16,058,966
Other Assets Total$7,016,111$7,139,773▲ $123,662
Liabilities
Other Liabilities$161,191,363$160,101,456▼ $1,089,907
Unsecured Notes Loans Payable$17,775,000$33,870,000▲ $16,095,000
Accounts Payable and Accrued Expenses$1,743,332$1,558,651▼ $184,681
Total Liabilities$180,709,695$195,530,107▲ $14,820,412
Net Assets / Fund Balance
Unrestricted Net Assets$10,948,881$12,083,260▲ $1,134,379
Permanently Rstr Net Assets$4,648,518$4,648,518→ $0
Temporarily Rstr Net Assets$430,175$534,350▲ $104,175
Total Net Assets Fund Balance$16,027,574$17,266,128▲ $1,238,554
Total Liabilities and Net Assets / Fund Balance$196,737,269$212,796,235▲ $16,058,966

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,106,794$1,683,251$4,790,045
Land$3,780,298-$3,780,298
Other Land Buildings$229,957$612,075$842,032
Equipment$181,042$552,352$733,394
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mr Dennis SommerRetired PresPT$113,389$289,450$402,839
Mr Dennis SommerRetired Presid 8/13-$109,116$293,723$402,839
Timothy F StephensPresident &FT$148,456$37,185$185,641
Timothy F StephensPresident & CEO-$142,431$43,210$185,641
Keith MohlFacility DirectorFT$80,779$16,161$96,940
Frank EvansHr DirectorFT$78,927$12,045$90,972
Dale HoepfingerVP of OperatFT$80,650$9,738$90,388
Sean ChambersVP of LendinFT$75,025$12,597$87,622
Ken BellamyVP of FinancFT$68,960$11,071$80,031
Jeff GriningerAvp InternalFT$64,676$13,912$78,588
Mr Jerry GoldsteinSecretary/coPT$39,900-$39,900

Board Members and Trustees

NameTitle
Mr Robert L TaylorBrd Chairman
Mr Dan HoemannBoard Member
Mr Gary RottlerBoard Member
Mr Larry MarkosBoard Member
Mr Marshall Watkins JrBoard Member
Mr Robert W HaulVice Chrmn
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,458,414
Investment Income
$65,754
Other Revenue
$-29,846
Change in Net Assets
$1,134,379

Audited Revenue Reconciliation

Revenue per Audited Statements
$9,494,322
Total Revenue per Audited Statements
$9,494,322
Total Revenue per Form 990
$9,494,322
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,154,777
Salaries, Compensation, and Employee Benefits$3,205,166
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,519,045
All Other Expenses---$762,751
Interest---$551,697
Information Technology---$520,599
Fees for Services Other---$394,387
Other Employee Benefits---$347,820
Depreciation Depletion---$220,407
Other Expenses---$220,090
Payroll Taxes---$209,064
Office Expenses---$160,667
Occupancy---$130,323
Pension Plan Contributions---$129,237
Advertising---$111,182
Insurance---$60,224
Fees for Services Legal---$11,038
Fees for Services Accounting---$7,744
Conferences and Meetings---$6,002
Travel---$3,600
Total Functional Expenses$0$0$0$8,359,943

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$8,359,943
Expenses per Audited Statements$8,297,234
Total Expenses per Audited Statements$8,297,234
Expenses Not Reported on Financial Statements$62,709
Other Expense Adjustments$62,709
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,293,856$1,217,304▼ $76,552
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$160,101,456
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
Yes
Business relationship with organization members
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

An annual membership meeting is held in may, where elegible members have the right to nominate and vote on election of board members. Generally, two board members positions are voted on to serve a term of three years. There are presently 7 board members on the governing board.

Form 990, Page 6, Part VI, Line 7B

Any field of membership changes or additions and/or bylaw changes.

Form 990, Page 6, Part VI, Line 11B

The avp of accounting reviews form 990 with the ceo and vp of finance, before it is submitted to the irs. The ceo/vp of finance reviews a filed copy of form 990 with the chairman of the board after it is submitted. The ceo/vp of finance advises all of the board of directors that a hard copy of form 990 is available for their review - this is usually done at the first board meeting after it is filed. Our 2013 form 990 report is being made available electronically to all board of directors via a board intranet site.

Form 990, Page 6, Part VI, Line 12C

We have a written conflict of interest incorporated in our code of ethics & conduct which has to be signed by all employees at the time of employment. A separate agreement for board officials has to be signed at the time of board participation.

Form 990, Page 6, Part VI, Line 15A

Ceo base compensation is established by the executive committee of the board of directors and included in the ceo's written employment contract, utilizing most recent salary survey data from organizations of similar size and nature. Ceo incentives are also set by the board of directors and are based on ceo performance to predetermined organizational financial goals.

Form 990, Page 6, Part VI, Line 15B

Officer base compensation is established by the ceo and human resource director, utilizing most recent salary survey data from organizations of similar size and nature (exception - human resource director does not participate in setting his own salary). Officer incentives are also based on performance to predetermined organizational financial goals, subject to approval by the ceo and board of directors.

Form 990, Page 6, Part VI, Line 19

The missouri secretary of state's website makes our articles of incorporation and our bylaws available "to the public". Board members responsibilities and how they are elected are described on our public website. Copies of our financial statements are available upon request. At our annual membership meeting year ending reports are made by our chairman & ceo, treasurer and supervisory committee chairman, copies are available "to the public" at our branch offices after the annual meeting.

Form 990, Page 7, Part VII

Parent organization has filed a consolidated return

Filing and Contact Details

Filer

EIN
43-0658202
Phone
6363437005

Signing Officer

Name
Albert L Ogent
Title
Avp of Accounting
Phone
6363437005
Signed
2014-05-13

Organization Details

Principal Officer
Albert L Ogent
Formed
1948
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
5
Employees
76
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Book / tax depreciation difference 62,709

Form 990, Part XI, Line 9

Incr in unrealized gain on visa stock 157,781 decr in unrealized gain on afsecurities 53,606 decr in unrealized gain on visa stock 0 deprec exp on plaza's fixed assets 62,709

Financial Statement Notes

Schedule D, Page 4, Part XII, Line 4B

Book / tax depreciation difference 62,709

Raw XML AppendixShowing 400 of 617 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01743332
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01558651
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE COMPETIVE FINANCIAL SERVICES AND PRODUCTS THAT DELIVER VALUE AND ENRICH THE LIVES OF OUR MEMBERS.
IRS990/AdvertisingGrp/TotalAmt0111182
IRS990/AllOtherExpensesGrp/TotalAmt0762751
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ALLIANCE CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum06363437005
IRS990/BooksInCareOfDetail/USAddress/AddressLine10575 RUDDER ROAD
IRS990/BooksInCareOfDetail/USAddress/City0FENTON
IRS990/BooksInCareOfDetail/USAddress/State0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode0630262005
IRS990/BusinessRlnWithFamMemInd0true
IRS990/BusinessRlnWithOfficerEntInd0true
IRS990/BusinessRlnWithOrgMemInd0true
IRS990/CashNonInterestBearingGrp/BOYAmt01512600
IRS990/CashNonInterestBearingGrp/EOYAmt01357472
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt06002
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt065754
IRS990/CYOtherExpensesAmt05154777
IRS990/CYOtherRevenueAmt0-29846
IRS990/CYProgramServiceRevenueAmt09458414
IRS990/CYRevenuesLessExpensesAmt01134379
IRS990/CYSalariesCompEmpBnftPaidAmt03205166
IRS990/CYTotalExpensesAmt08359943
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt09494322
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt0220407
IRS990/Desc0OUR LOAN RESULTS FOR THE YEAR ENDING 2013 HAD A 24.7 MILLION INCREASE IN NET LOANS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt076
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt08359943
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt07744
IRS990/FeesForServicesLegalGrp/TotalAmt011038
IRS990/FeesForServicesOtherGrp/TotalAmt0394387
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt021.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1425.00
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt737185
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt816161
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt99738
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1012045
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1112597
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1211071
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1313912
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt14289450
IRS990/Form990PartVIISectionAGrp/PersonNm0MR JERRY GOLDSTEIN
IRS990/Form990PartVIISectionAGrp/PersonNm1MR GARY ROTTLER
IRS990/Form990PartVIISectionAGrp/PersonNm2MR ROBERT L TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm3MR ROBERT W HAUL
IRS990/Form990PartVIISectionAGrp/PersonNm4MR LARRY MARKOS
IRS990/Form990PartVIISectionAGrp/PersonNm5MR DAN HOEMANN
IRS990/Form990PartVIISectionAGrp/PersonNm6MR MARSHALL WATKINS JR
IRS990/Form990PartVIISectionAGrp/PersonNm7TIMOTHY F STEPHENS
IRS990/Form990PartVIISectionAGrp/PersonNm8KEITH MOHL
IRS990/Form990PartVIISectionAGrp/PersonNm9DALE HOEPFINGER
IRS990/Form990PartVIISectionAGrp/PersonNm10FRANK EVANS
IRS990/Form990PartVIISectionAGrp/PersonNm11SEAN CHAMBERS
IRS990/Form990PartVIISectionAGrp/PersonNm12KEN BELLAMY
IRS990/Form990PartVIISectionAGrp/PersonNm13JEFF GRININGER
IRS990/Form990PartVIISectionAGrp/PersonNm14MR DENNIS SOMMER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt039900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7148456
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt880779
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt980650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1078927
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1175025
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1268960
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1364676
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14113389
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/TitleTxt0SECRETARY/CO
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BRD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHRMN
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT &
IRS990/Form990PartVIISectionAGrp/TitleTxt8FACILITY DIR
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP OF OPERAT
IRS990/Form990PartVIISectionAGrp/TitleTxt10HR DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF LENDIN
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF FINANC
IRS990/Form990PartVIISectionAGrp/TitleTxt13AVP INTERNAL
IRS990/Form990PartVIISectionAGrp/TitleTxt14RETIRED PRES
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01948
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt0-67925
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0445830
IRS990/GrossReceiptsAmt010116105
IRS990/GrossRentsGrp/RealAmt078182
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0520599
IRS990/InsuranceGrp/TotalAmt060224
IRS990/InterestGrp/TotalAmt0551697
IRS990/InventoriesForSaleOrUseGrp/BOYAmt0230005
IRS990/InventoriesForSaleOrUseGrp/EOYAmt02222033
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0133679
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0133679
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt05586821
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt07138821
IRS990/InvestmentsPubTradedSecGrp/BOYAmt02610763
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01046015
IRS990/IRPDocumentCnt096
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02847678
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06018923
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07298091
IRS990/LandBldgEquipCostOrOtherBssAmt010145769
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0513755
IRS990/LessRentalExpensesGrp/RealAmt0108028
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE COMPETIVE FINANCIAL SERVICES AND PRODUCTS THAT DELIVER VALUE AND ENRICH THE LIVES OF OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt016027574
IRS990/NetAssetsOrFundBalancesEOYAmt017266128
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-67925
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-67925
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-29846
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt0-29846
IRS990/NetUnrelatedBusTxblIncmAmt0-56456
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0130323
IRS990/OfficeExpensesGrp/TotalAmt0160667
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07016111
IRS990/OtherAssetsTotalGrp/EOYAmt07139773
IRS990/OtherChangesInNetAssetsAmt0104175
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0347820
IRS990/OtherExpensesGrp/Desc0DIVID EXP PD TO MEMBERS
IRS990/OtherExpensesGrp/Desc1LOAN SERVIC N COLLECTION
IRS990/OtherExpensesGrp/Desc2DEBIT CARD EXPENSES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/TotalAmt01370626
IRS990/OtherExpensesGrp/TotalAmt1380710
IRS990/OtherExpensesGrp/TotalAmt2242730
IRS990/OtherExpensesGrp/TotalAmt3220090
IRS990/OtherLiabilitiesGrp/BOYAmt0161191363
IRS990/OtherLiabilitiesGrp/EOYAmt0160101456
IRS990/OtherSalariesAndWagesGrp/TotalAmt02519045
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0159008396
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0183787311
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0209064
IRS990/PensionPlanContributionsGrp/TotalAmt0129237
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt04648518
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt04648518
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0429673
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0615166
IRS990/PrincipalOfficerNm0ALBERT L OGENT
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0523920
IRS990/ProgramServiceRevenueGrp/BusinessCd1523930
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPER & NON OPER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3ATM INC FOREIGN NON MEMBER
IRS990/ProgramServiceRevenueGrp/Desc4LINCOLN INVESTM LEASE/SPRINT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07373150
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11714723
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2219138
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07373150
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11714723
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2219138
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3138754
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt412649
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0138754
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt112649
IRS990/ProgSrvcAccomActy2Grp/Desc0OUR DEPOSITS DECREASED FOR THE YEAR ENDING 2013 BY 1,089,000. WE ENDED THE YEAR AT 160.1 MILLION.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0-33230
IRS990/PYOtherExpensesAmt05478489
IRS990/PYOtherRevenueAmt0-34731
IRS990/PYProgramServiceRevenueAmt09369200
IRS990/PYRevenuesLessExpensesAmt01032047
IRS990/PYSalariesCompEmpBnftPaidAmt02790703
IRS990/PYTotalExpensesAmt08269192
IRS990/PYTotalRevenueAmt09301239
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01293856
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01217304
IRS990/ReconcilationRevenueExpnssAmt01134379
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/RentalIncomeOrLossGrp/RealAmt0-29846
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013030121
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0974249
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt03106794
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01683251
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04790045
IRS990ScheduleD/EquipmentGrp/BookValueAmt0181042
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0552352
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0733394
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt062709
IRS990ScheduleD/ExpensesSubtotalAmt08297234
IRS990ScheduleD/LandGrp/BookValueAmt03780298
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03780298
IRS990ScheduleD/OtherExpensesNotIncludedAmt062709
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0229957
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0612075
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0842032
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0160101456
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/RevenueSubtotalAmt09494322
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0BOOK / TAX DEPRECIATION DIFFERENCE 62,709
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XII, LINE 4B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07298091
IRS990ScheduleD/TotalExpensesPerForm990Amt08359943
IRS990ScheduleD/TotalLiabilityAmt0160101456
IRS990ScheduleD/TotalRevenuePerForm990Amt09494322
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt09494322
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08297234
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0142431
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1109116
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt016252
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt1249114
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017550
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt125863
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019635
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt1263587
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt06025
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt14273
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0TIMOTHY F STEPHENS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1MR DENNIS SOMMER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1RETIRED PRESID 8/13
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0185641
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1402839
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine10ROTTLER PEST CONTROL
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0BOARD OF DIRECT
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0EXTERMINATOR SERVICE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0284539
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1183439
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2159853
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt3132940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt4114070
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt596901
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt694449
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt756618
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt849012
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt98493
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt105293
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt115277
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt125209
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt135007
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt144977
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt153031
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt162444
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt172302
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt182125
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt191325
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd15true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$375$332$42.9$22.3$19.8$2.54
2023Detailed filing. Detailed filing data is available for this year.$390$350$40.3$19.3$17.1$2.20
2021Detailed filing. Detailed filing data is available for this year.$375$340$35.1$16.4$13.7$2.70
2020Detailed filing. Detailed filing data is available for this year.$367$335$32.4$16.3$14.0$2.29
2019Detailed filing. Detailed filing data is available for this year.$312$282$29.8$17.4$14.9$2.48
2018Detailed filing. Detailed filing data is available for this year.$282$254$27.4$15.9$13.8$2.08
2017Detailed filing. Detailed filing data is available for this year.$262$236$25.3$13.8$12.0$1.74
2016Detailed filing. Detailed filing data is available for this year.$238$215$22.7$12.0$10.4$1.53
2015Detailed filing. Detailed filing data is available for this year.$222$201$21.2$11.8$10.2$1.54
2014Detailed filing. Detailed filing data is available for this year.$223$203$20.3$11.3$9.93$1.32
2013Detailed filing. Detailed filing data is available for this year.$213$196$17.3$9.49$8.36$1.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$181$16.0$8.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$183$168$15.0$8.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$162$14.7$9.10
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $100M-$250M nonprofits