Civic Intelligence

Century Credit Union

990 • Fiscal year 2013 • EIN 43-0704245

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization Profilewww.centurycu.org

View Organization Page

1540 Lemay FerrySaint Louis, MO 63125

(314) 544-1818

Siviq Scores

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

Liabilities / Assets

16th percentile

0.84x

Higher debt load relative to assets than 16% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

58th percentile

19.18x

Higher debt load relative to revenue than 58% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

97th percentile

31%

Higher net margin than 97% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

30th percentile

$112,322

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

64th percentile

3.4%

Faster asset growth than 64% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$83,066,194

Up $2,755,804 (+3.4%) from 2012

Net Assets

Up

$13,005,451

Up $1,123,058 (+9.5%) from 2012

Liabilities

Up

$70,060,743

Up $1,632,746 (+2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin97th percentile

Revenue

$3,653,366

No earlier filing loaded for comparison.

Expenses

Down

$2,530,308

Down $2,688 (-0.1%) from 2012

Net Income

$1,123,058

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$200M$150M$100M$50M$0Assets 2010: $69,643,090Liabilities 2010: $59,878,527Net Assets 2010: $9,764,5632010Assets 2011: $76,069,556Liabilities 2011: $65,388,594Net Assets 2011: $10,680,9622011Assets 2012: $80,310,390Liabilities 2012: $68,427,997Net Assets 2012: $11,882,3932012Assets 2013: $83,066,194Liabilities 2013: $70,060,743Net Assets 2013: $13,005,4512013Assets 2014: $86,094,708Liabilities 2014: $71,936,018Net Assets 2014: $14,158,6902014Assets 2015: $88,775,967Liabilities 2015: $73,479,820Net Assets 2015: $15,296,1472015Assets 2016: $93,982,757Liabilities 2016: $77,715,910Net Assets 2016: $16,266,8472016Assets 2017: $97,452,677Liabilities 2017: $80,034,408Net Assets 2017: $17,418,2692017Assets 2018: $105,269,832Liabilities 2018: $86,585,151Net Assets 2018: $18,684,6812018Assets 2019: $113,770,232Liabilities 2019: $93,517,398Net Assets 2019: $20,252,8342019Assets 2020: $131,714,569Liabilities 2020: $110,114,250Net Assets 2020: $21,600,3192020Assets 2021: $144,271,305Liabilities 2021: $121,257,001Net Assets 2021: $23,014,3042021Assets 2022: $147,352,731Liabilities 2022: $122,798,901Net Assets 2022: $24,553,8302022Assets 2023: $146,684,463Liabilities 2023: $120,189,893Net Assets 2023: $26,494,5702023Assets 2024: $157,156,821Liabilities 2024: $128,596,323Net Assets 2024: $28,560,4982024

Highlighted filing

2013

Assets$83,066,194
Liabilities$70,060,743
Net Assets$13,005,451
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$10M$5.0M$0Expenses 2010: $2,792,3592010Expenses 2011: $2,829,9332011Expenses 2012: $2,532,9962012Revenue 2013: $3,653,366Expenses 2013: $2,530,308Net Income 2013: $1,123,0582013Revenue 2014: $3,780,569Expenses 2014: $2,627,330Net Income 2014: $1,153,2392014Revenue 2015: $3,906,698Expenses 2015: $2,769,241Net Income 2015: $1,137,4572015Revenue 2016: $4,082,234Expenses 2016: $3,111,534Net Income 2016: $970,7002016Revenue 2017: $4,417,123Expenses 2017: $3,265,701Net Income 2017: $1,151,4222017Revenue 2018: $4,912,367Expenses 2018: $3,649,403Net Income 2018: $1,262,9642018Revenue 2019: $5,529,766Expenses 2019: $3,961,612Net Income 2019: $1,568,1542019Revenue 2020: $5,178,600Expenses 2020: $3,831,115Net Income 2020: $1,347,4852020Revenue 2021: $5,040,098Expenses 2021: $3,626,113Net Income 2021: $1,413,9852021Revenue 2022: $5,465,248Expenses 2022: $3,867,390Net Income 2022: $1,597,8582022Revenue 2023: $7,483,005Expenses 2023: $5,542,265Net Income 2023: $1,940,7402023Revenue 2024: $8,965,898Expenses 2024: $6,899,970Net Income 2024: $2,065,9282024

Highlighted filing

2013

Revenue$3,653,366
Expenses$2,530,308
Net Income$1,123,058
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.0
Gross Receipts
$3,653,366
Mission and Program Overview

Mission

To encourage our memebers to save; and provide loans at reasonable rates, while offering competitive services.

To encourage our members to save and provide loans at reasonable rates, while offering competitive services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,729,571$51,400,392▲ $670,821
Investments Program Related$27,352,658$28,122,855▲ $770,197
Rtn Earn Endowment Incm Other Fnds$11,882,393$13,005,451▲ $1,123,058
Cash and Non-Interest-Bearing Accounts$566,957$810,850▲ $243,893
Land, Buildings, and Equipment, Net$269,029$238,509▼ $30,520
Prepaid Expenses and Deferred Charges$42,665$47,565▲ $4,900
Accounts Receivable$75$5,075▲ $5,000
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$80,310,390$83,066,194▲ $2,755,804
Other Assets Total$1,349,435$2,440,948▲ $1,091,513
Liabilities
Other Liabilities$68,131,723$69,720,429▲ $1,588,706
Accounts Payable and Accrued Expenses$296,274$340,314▲ $44,040
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$68,427,997$70,060,743▲ $1,632,746
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,882,393$13,005,451▲ $1,123,058
Total Liabilities and Net Assets / Fund Balance$80,310,390$83,066,194▲ $2,755,804

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$1,597,000--
Buildings$45,000$186,872$0
Other Land Buildings$0$0$0
Land$100,000-$0
Equipment$27,036$821,750$0
Leasehold Improvements$66,473$114,816$0
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robert EikePresidentFT$112,322$112,322

Board Members and Trustees

NameTitle
Mark FalknerChairman of the Board
William SipVice-Chairman
John GrilloBoard member
Leo ChircoBoard member
Sue PaulyBoard member
Terry BanisterSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,309,529
Investment Income
$325,998
Other Revenue
$1,017,839
Change in Net Assets
$1,123,058
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,366,616
Salaries, Compensation, and Employee Benefits$814,744
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$517,108
Payments to Affiliates---$444,999
Benefits to Members---$348,948
Fees for Services Other---$316,978
Office Expenses---$214,246
Other Expenses---$126,067
Current Officers, Directors, Trustees, and Key Employees---$112,322
Occupancy---$105,511
Advertising---$97,833
Other Employee Benefits---$73,143
Pension Plan Contributions---$59,901
Payroll Taxes---$52,270
Insurance---$34,479
Travel---$13,624
Depreciation Depletion---$9,064
Conferences and Meetings---$3,752
Interest---$63
Total Functional Expenses$0$0$0$2,530,308
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Member Savings$69,720,429
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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 has members that must meet certain field of membership requirements to join”

Form 990, Part VI, Section A, Line 7A

“Each year at the annual meeting of members, the membership elects directors to serve 3 year terms of office”

Form 990, Part VI, Section A, Line 7B

“Only minor issues relating to certain bylaws and mergers would be approved by members”

Form 990, Part VI, Section B, Line 11B

“The 990 form is prepared by the president and reviewed by the vice president, the board of directors do not usually review the reports”

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

“The credit union monitors any and allactivity that would be considered a conflict of interest among employees and directors management”

Form 990, Part VI, Section B, Line 15

“All employees are reviewed annually for performance and scored for salary adjustments. A table is established based on industry averages and the cola rate at the time”

Form 990, Part VI, Section C, Line 19

“By notification on the lobby bulletin board we are able to let members know that the financial statements are available upon request. We also disclose financial statements at our annual meeting and they are available on the ncua website for public viewing.”

Filing and Contact Details

Filer

EIN
43-0704245
Phone
3145441818

Signing Officer

Name
Robert Eike
Title
President
Phone
3145441818
Signed
2014-05-08

Organization Details

Formed
1954
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
6
Employees
22
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“$22,195 for association dues, $195239 loan servicing, $99,544 for other losses”

Raw XML AppendixShowing 400 of 470 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.

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IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt01017839
IRS990/OtherSalariesAndWagesGrp/TotalAmt0517108
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt050729571
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt051400392
IRS990/OwnWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0444999
IRS990/PayrollTaxesGrp/TotalAmt052270
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt059901
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt042665
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt047565
IRS990/PrincipalOfcrBusinessAddress/BusinessNameLine10CENTURY CREDIT UNION
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM MEMBERS LOANS
IRS990/ProgramServiceRevenueGrp/ExclusionAmt02309529
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02309529
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgSrvcAccomActy2Grp/Desc0AS A FINANCIAL COOPERATIVE WE ARE ABLE TO RETURN PROFITS TO OUR MEMBERS IN THE FORM OF HIGHER SAVINGS AND CERTIFICATE RATES WHICH ALLOWS THEM TO EARN MORE INTEREST ON THEIR DEPOSITS.
IRS990/ProgSrvcAccomActy3Grp/Desc0AS A FINANCIAL COOPERATIVE WE ARE ABLE TO RETURN PROFITS TO OUR MEMBERS IN THE FORM OF LOWER FEES ON SERVICES WHICH ALLOWS THEM TO SAVE MORE MONEY THAT THEY CAN DEPOSIT INTO THEIR SAVINGS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0436299
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0405084
IRS990/PYOtherExpensesAmt01349329
IRS990/PYOtherRevenueAmt0959974
IRS990/PYProgramServiceRevenueAmt02369369
IRS990/PYRevenuesLessExpensesAmt01201431
IRS990/PYSalariesCompEmpBnftPaidAmt0747368
IRS990/PYTotalExpensesAmt02532996
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03734427
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01123058
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011882393
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013005451
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt045000
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0186872
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0231872
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt027036
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0821750
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0848786
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt023351048
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12174807
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt21000000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt31597000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES IN BANKS & CREDIT UNIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORPORATE CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2GOVERNMENT AGENCIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3EBA FEDERAL RESERVE ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt066473
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0114816
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0181289
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt069720429
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL MEMBER SAVINGS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0238509
IRS990ScheduleD/TotalBookValueProgramRltdAmt028122855
IRS990ScheduleD/TotalLiabilityAmt069720429
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt04246
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11527
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt29038
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt338391
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt07930
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt129070
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt239840
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt358171
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MARK FALKNER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1SUE PAULY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2TERRY BANISTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3TERRY BANISTER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt053202
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS THAT MUST MEET CERTAIN FIELD OF MEMBERSHIP REQUIREMENTS TO JOIN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH YEAR AT THE ANNUAL MEETING OF MEMBERS, THE MEMBERSHIP ELECTS DIRECTORS TO SERVE 3 YEAR TERMS OF OFFICE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ONLY MINOR ISSUES RELATING TO CERTAIN BYLAWS AND MERGERS WOULD BE APPROVED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 FORM IS PREPARED BY THE PRESIDENT AND REVIEWED BY THE VICE PRESIDENT, THE BOARD OF DIRECTORS DO NOT USUALLY REVIEW THE REPORTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION MONITORS ANY AND ALLACTIVITY THAT WOULD BE CONSIDERED A CONFLICT OF INTEREST AMONG EMPLOYEES AND DIRECTORS MANAGEMENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL EMPLOYEES ARE REVIEWED ANNUALLY FOR PERFORMANCE AND SCORED FOR SALARY ADJUSTMENTS. A TABLE IS ESTABLISHED BASED ON INDUSTRY AVERAGES AND THE COLA RATE AT THE TIME
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BY NOTIFICATION ON THE LOBBY BULLETIN BOARD WE ARE ABLE TO LET MEMBERS KNOW THAT THE FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. WE ALSO DISCLOSE FINANCIAL STATEMENTS AT OUR ANNUAL MEETING AND THEY ARE AVAILABLE ON THE NCUA WEBSITE FOR PUBLIC VIEWING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7$22,195 FOR ASSOCIATION DUES, $195239 LOAN SERVICING, $99,544 FOR OTHER LOSSES
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MO
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$83,066,194
Liabilities
$70,060,743
Net assets
$13,005,451
Revenue
$3,653,366
Expenses
$2,530,308
Net income
$1,123,058
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$157$129$28.6$8.97$6.90$2.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$147$120$26.5$7.48$5.54$1.94
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$147$123$24.6$5.47$3.87$1.60
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$144$121$23.0$5.04$3.63$1.41
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$110$21.6$5.18$3.83$1.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$93.5$20.3$5.53$3.96$1.57
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$86.6$18.7$4.91$3.65$1.26
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.5$80.0$17.4$4.42$3.27$1.15
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.0$77.7$16.3$4.08$3.11$0.97
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.8$73.5$15.3$3.91$2.77$1.14
2014Detailed filing. Detailed filing data is available for this year.$86.1$71.9$14.2$3.78$2.63$1.15
2013Detailed filing. Detailed filing data is available for this year.$83.1$70.1$13.0$3.65$2.53$1.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.3$68.4$11.9$2.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.1$65.4$10.7$2.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.6$59.9$9.76$2.79