Civic Intelligence

Southeast Missouri Community Credit Union

990 • Fiscal year 2017 • EIN 43-0689754

Jan 01, 2017 to Dec 31, 2017 • Filed on Mar 15, 2018

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

55th percentile

0.86x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

25th percentile

14.42x

Higher debt load relative to revenue than 25% of similar nonprofits.

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

Net Margin

47th percentile

3.8%

Higher net margin than 47% of similar nonprofits.

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

Top Officer Pay

27th percentile

$37,633

Higher top officer pay than 27% of similar nonprofits.

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

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

Asset Growth

18th percentile

-3.3%

Faster asset growth than 18% of similar nonprofits.

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

Revenue Growth

78th percentile

7.9%

Faster revenue growth than 78% of similar nonprofits.

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

Assets

Down

$5,661,288

Down $195,820 (-3.3%) from 2016

Net Assets

Up

$765,527

Up $24,935 (+3.4%) from 2016

Liabilities

Down

$4,895,761

Down $220,755 (-4.3%) from 2016

Revenue

Up

$339,428

Up $24,887 (+7.9%) from 2016

Expenses

Up

$326,445

Up $699 (+0.2%) from 2016

Net Income

Up

$12,983

Up $24,188 (+216%) from 2016

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

2017

Assets$5,661,288
Liabilities$4,895,761
Net Assets$765,527

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

2017

Revenue$339,428
Expenses$326,445
Net Income$12,983
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 15, 2018
Return Version
2017v2.2
Gross Receipts
$339,428
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$4,278,758$3,735,333▼ $543,425
Savings and Temporary Cash Investments$1,167,948$1,618,993▲ $451,045
Rtn Earn Endowment Incm Other Fnds$740,592$765,527▲ $24,935
Cash and Non-Interest-Bearing Accounts$280,659$175,396▼ $105,263
Land, Buildings, and Equipment, Net$51,619$49,211▼ $2,408
Prepaid Expenses and Deferred Charges$17,034$19,093▲ $2,059
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,857,108$5,661,288▼ $195,820
Other Assets Total$61,090$63,262▲ $2,172
Liabilities
Other Liabilities$5,106,826$4,886,376▼ $220,450
Accounts Payable and Accrued Expenses$9,690$9,385▼ $305
Total Liabilities$5,116,516$4,895,761▼ $220,755
Net Assets / Fund Balance
Total Net Assets Fund Balance$740,592$765,527▲ $24,935
Total Liabilities and Net Assets / Fund Balance$5,857,108$5,661,288▼ $195,820

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$49,185$123,312$172,497
Equipment$26$48,837$48,863
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Donna GrahamManagerPT$37,633$37,633

Board Members and Trustees

NameTitle
Dianna WallenChairman
Stella KeenVice Chairman
Brandon WolkDirector
John ClarkDirector
Reggie FlowersDirector
Steve ForsytheDirector
Gina MaberySecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$317,669
Investment Income
$20,659
Other Revenue
$1,100
Change in Net Assets
$12,983
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$194,705
Salaries, Compensation, and Employee Benefits$131,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$78,158
Office Expenses---$70,261
Current Officers, Directors, Trustees, and Key Employees---$37,633
Payroll Taxes---$12,349
Depreciation Depletion---$10,295
All Other Expenses---$10,003
Insurance---$8,807
Fees for Services Accounting---$7,052
Other Expenses---$6,351
Information Technology---$5,939
Occupancy---$4,740
Other Employee Benefits---$3,600
Advertising---$2,004
Conferences and Meetings---$1,929
Fees for Services Other---$785
Interest---$1
Total Functional Expenses$0$0$0$326,445
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$4,886,376
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
2018-03-15
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
6
Volunteers
13

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Preparer
Stephen Lang
Phone
3142058601
Raw XML Appendix350 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/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
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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, 2017, THERE WERE 596 LOANS OUTSTANDING TOTALING $3,744,420.
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0172497
IRS990ScheduleD/EquipmentGrp/BookValueAmt026
IRS990ScheduleD/EquipmentGrp/DepreciationAmt048837
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt048863
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04886376
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt049211
IRS990ScheduleD/TotalLiabilityAmt04886376
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/TotalAssetsBOYAmt05857108
IRS990/TotalAssetsEOYAmt05661288
IRS990/TotalAssetsGrp/BOYAmt05857108
IRS990/TotalAssetsGrp/EOYAmt05661288
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0326445
IRS990/TotalGrossUBIAmt02940
IRS990/TotalLiabilitiesBOYAmt05116516
IRS990/TotalLiabilitiesEOYAmt04895761
IRS990/TotalLiabilitiesGrp/BOYAmt05116516
IRS990/TotalLiabilitiesGrp/EOYAmt04895761
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0740592
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0765527
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0317669
IRS990/TotalReportableCompFromOrgAmt037633
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0336488
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0339428
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02940
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05857108
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05661288
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONNA GRAHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05734313573
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-03-15
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/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-03-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:16:04
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/PreparerPersonGrp/PreparerPersonNm0STEPHEN LANG
ReturnHeader/ReturnTs02018-03-15T13:16:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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