Civic Intelligence

Southeast Missouri Community Credit Union

990 • Fiscal year 2016 • EIN 43-0689754

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 10, 2017

PO Box 532Park Hills, MO 63601-0532

(573) 431-3573

Siviq Scores

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

Liabilities / Assets

60th percentile

0.87x

Higher debt load relative to assets than 60% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

35th percentile

16.27x

Higher debt load relative to revenue than 35% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

19th percentile

-3.6%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

25th percentile

$35,068

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 11.1% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

29th percentile

-2.2%

Faster asset growth than 29% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

76th percentile

6.8%

Faster revenue growth than 76% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Assets

Down

$5,857,108

Down $133,953 (-2.2%) from 2015

Net Assets

Down

$740,592

Down $11,205 (-1.5%) from 2015

Liabilities

Down

$5,116,516

Down $122,748 (-2.3%) from 2015

Revenue

Up

$314,541

Up $19,904 (+6.8%) from 2015

Expenses

Up

$325,746

Up $35,486 (+12%) from 2015

Net Income

Down

-$11,205

Down $15,582 (-356%) from 2015

Historical Trend

Balance Sheet Trend

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $5,019,581Liabilities 2010: $4,306,582Net Assets 2010: $712,9992010Assets 2011: $5,257,867Liabilities 2011: $4,564,364Net Assets 2011: $693,5032011Assets 2012: $5,054,032Liabilities 2012: $4,331,792Net Assets 2012: $722,2402012Assets 2013: $5,176,611Liabilities 2013: $4,447,072Net Assets 2013: $729,5392013Assets 2014: $5,451,755Liabilities 2014: $4,704,335Net Assets 2014: $747,4202014Assets 2015: $5,991,061Liabilities 2015: $5,239,264Net Assets 2015: $751,7972015Assets 2016: $5,857,108Liabilities 2016: $5,116,516Net Assets 2016: $740,5922016Assets 2017: $5,661,288Liabilities 2017: $4,895,761Net Assets 2017: $765,5272017Assets 2018: $5,459,888Liabilities 2018: $4,686,329Net Assets 2018: $773,5592018Assets 2019: $5,642,001Liabilities 2019: $4,887,544Net Assets 2019: $754,4572019Assets 2020: $6,183,936Liabilities 2020: $5,365,866Net Assets 2020: $818,0702020Assets 2021: $6,951,314Liabilities 2021: $6,066,210Net Assets 2021: $885,1042021Assets 2022: $7,281,847Liabilities 2022: $6,406,620Net Assets 2022: $875,2272022Assets 2023: $7,255,824Liabilities 2023: $6,522,057Net Assets 2023: $733,7672023Assets 2024: $7,329,346Liabilities 2024: $6,718,694Net Assets 2024: $610,6522024

Highlighted filing

2016

Assets$5,857,108
Liabilities$5,116,516
Net Assets$740,592

Operations Trend

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $293,7232010Expenses 2011: $292,6562011Expenses 2012: $266,7412012Revenue 2013: $291,804Expenses 2013: $284,505Net Income 2013: $7,2992013Revenue 2014: $294,464Expenses 2014: $276,583Net Income 2014: $17,8812014Revenue 2015: $294,637Expenses 2015: $290,260Net Income 2015: $4,3772015Revenue 2016: $314,541Expenses 2016: $325,746Net Income 2016: -$11,2052016Revenue 2017: $339,428Expenses 2017: $326,445Net Income 2017: $12,9832017Revenue 2018: $348,165Expenses 2018: $340,133Net Income 2018: $8,0322018Revenue 2019: $393,231Expenses 2019: $412,333Net Income 2019: -$19,1022019Revenue 2020: $413,208Expenses 2020: $349,595Net Income 2020: $63,6132020Revenue 2021: $449,904Expenses 2021: $382,870Net Income 2021: $67,0342021Revenue 2022: $435,126Expenses 2022: $445,003Net Income 2022: -$9,8772022Revenue 2023: $441,145Expenses 2023: $582,605Net Income 2023: -$141,4602023Revenue 2024: $492,437Expenses 2024: $615,552Net Income 2024: -$123,1152024

Highlighted filing

2016

Revenue$314,541
Expenses$325,746
Net Income-$11,205
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 10, 2017
Return Version
2016v3.0
Gross Receipts
$314,541
Mission and Program Overview

Mission

A not-for-profit financial cooperative dedicated to serving our member owners through: personalized member service; innovative products & services; knowledgeable, skilled & empowered employees; and financial strength & stability.

Southeast missouri community credit union is a not-for-profit financial cooperative dedicated to serving our member owners through: - personalized member service - innovative products & services - knowledgeable, skilled & empowered employees - financial strength & stability

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,109,073$4,278,758▲ $169,685
Savings and Temporary Cash Investments$1,631,683$1,167,948▼ $463,735
Rtn Earn Endowment Incm Other Fnds$751,797$740,592▼ $11,205
Cash and Non-Interest-Bearing Accounts$115,468$280,659▲ $165,191
Land, Buildings, and Equipment, Net$60,495$51,619▼ $8,876
Prepaid Expenses and Deferred Charges$17,429$17,034▼ $395
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,991,061$5,857,108▼ $133,953
Other Assets Total$56,913$61,090▲ $4,177
Liabilities
Other Liabilities$5,230,249$5,106,826▼ $123,423
Accounts Payable and Accrued Expenses$9,015$9,690▲ $675
Total Liabilities$5,239,264$5,116,516▼ $122,748
Net Assets / Fund Balance
Total Net Assets Fund Balance$751,797$740,592▼ $11,205
Total Liabilities and Net Assets / Fund Balance$5,991,061$5,857,108▼ $133,953

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$50,080$114,530$164,610
Equipment$1,539$47,324$48,863
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Donna GrahamManagerPT$35,068$35,068

Board Members and Trustees

NameTitle
Allen RichChairman
Dianna WallenVice Chairman
Brandon WolkDirector
John ClarkDirector
Reggie FlowersDirector
Stella KeenDirector
Gina MaberySecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$296,373
Investment Income
$17,024
Other Revenue
$1,144
Change in Net Assets
$-11,205
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$181,036
Salaries, Compensation, and Employee Benefits$144,710
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$94,369
Office Expenses---$75,506
Current Officers, Directors, Trustees, and Key Employees---$35,068
Payroll Taxes---$11,673
Depreciation Depletion---$10,602
Insurance---$8,557
All Other Expenses---$7,418
Fees for Services Accounting---$6,803
Other Expenses---$6,420
Information Technology---$5,649
Occupancy---$5,042
Other Employee Benefits---$3,600
Advertising---$2,694
Conferences and Meetings---$2,365
Fees for Services Other---$959
Interest---$10
Total Functional Expenses$0$0$0$325,746
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$5,106,826
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
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, 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 11B

The manager reviews details of the 990 before presenting it to the board of directors for approval.

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

On an annual basis, all board members and employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and sign a statement to that effect. These statements are maintained on file at the credit union.

Form 990, Part VI, Section B, line 15

The board of directors reviews and approves all compensation, including the manager's. Credit union size and comparable job experience are taken into consideration. The board's deliberations and decisions are documented in the minutes.

Form 990, Part VI, Section C, line 19

Financial statements are presented at the annual meeting and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.

Filing and Contact Details

Filer

Filer Name
Southeast Missouri Community
EIN
43-0689754
Phone
5734313573
Address
PO BOX 532, PARK HILLS, MO 63601-0532

Signing Officer

Name
Donna Graham
Title
Manager
Phone
5734313573
Signed
2017-03-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Donna Graham
Formed
1951
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
13

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Raw XML Appendix348 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/ActivityOrMissionDesc0SOUTHEAST MISSOURI COMMUNITY CREDIT UNION IS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE DEDICATED TO SERVING OUR MEMBER OWNERS THROUGH: - PERSONALIZED MEMBER SERVICE - INNOVATIVE PRODUCTS & SERVICES - KNOWLEDGEABLE, SKILLED & EMPOWERED EMPLOYEES - FINANCIAL STRENGTH & STABILITY
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 619 LOANS OUTSTANDING TOTALING $4,286,307.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt01539
IRS990ScheduleD/EquipmentGrp/DepreciationAmt047324
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt048863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05106826
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt051619
IRS990ScheduleD/TotalLiabilityAmt05106826
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS 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/ExplanationTxt3THE MANAGER REVIEWS DETAILS OF THE 990 BEFORE PRESENTING IT TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, ALL BOARD MEMBERS AND EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SIGN A STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S. CREDIT UNION SIZE AND COMPARABLE JOB EXPERIENCE ARE TAKEN INTO CONSIDERATION. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
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 VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05991061
IRS990/TotalAssetsEOYAmt05857108
IRS990/TotalAssetsGrp/BOYAmt05991061
IRS990/TotalAssetsGrp/EOYAmt05857108
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0325746
IRS990/TotalGrossUBIAmt02221
IRS990/TotalLiabilitiesBOYAmt05239264
IRS990/TotalLiabilitiesEOYAmt05116516
IRS990/TotalLiabilitiesGrp/BOYAmt05239264
IRS990/TotalLiabilitiesGrp/EOYAmt05116516
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0751797
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0740592
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0296373
IRS990/TotalReportableCompFromOrgAmt035068
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0312320
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0314541
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02221
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05991061
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05857108
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0312 WEST MAIN STREET
IRS990/USAddress/CityNm0PARK HILLS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0636012544
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SOUTHEASTCREDITUNION.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONNA GRAHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05734313573
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOUTHEAST MISSOURI COMMUNITY
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0430689754
ReturnHeader/Filer/PhoneNum05734313573
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 532
ReturnHeader/Filer/USAddress/CityNm0PARK HILLS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0636010532
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-03-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm014:03:22
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/ReturnTs02017-03-10T14:03:39-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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.$7.33$6.72$0.61$0.49$0.62$0.12
2023Detailed filing. Detailed filing data is available for this year.$7.26$6.52$0.73$0.44$0.58$0.14
2022Detailed filing. Detailed filing data is available for this year.$7.28$6.41$0.88$0.44$0.45$0.01
2021Detailed filing. Detailed filing data is available for this year.$6.95$6.07$0.89$0.45$0.38$0.07
2020Detailed filing. Detailed filing data is available for this year.$6.18$5.37$0.82$0.41$0.35$0.06
2019Detailed filing. Detailed filing data is available for this year.$5.64$4.89$0.75$0.39$0.41$0.02
2018Detailed filing. Detailed filing data is available for this year.$5.46$4.69$0.77$0.35$0.34$0.01
2017Detailed filing. Detailed filing data is available for this year.$5.66$4.90$0.77$0.34$0.33$0.01
2016Detailed filing. Detailed filing data is available for this year.$5.86$5.12$0.74$0.31$0.33$0.01
2015Detailed filing. Detailed filing data is available for this year.$5.99$5.24$0.75$0.29$0.29$0.00
2014Detailed filing. Detailed filing data is available for this year.$5.45$4.70$0.75$0.29$0.28$0.02
2013Detailed filing. Detailed filing data is available for this year.$5.18$4.45$0.73$0.29$0.28$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.05$4.33$0.72$0.27
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.26$4.56$0.69$0.29
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.02$4.31$0.71$0.29