Civic Intelligence

Century Credit Union

990 • Fiscal year 2015 • EIN 43-0704245

Jan 01, 2015 to Dec 31, 2015 • Filed on May 06, 2016

Organization Profilecenturycu.org

View Organization Page

1540 Lemay Ferry RdSaint Louis, MO 63125

(314) 544-1818

Siviq Scores

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

Liabilities / Assets

15th percentile

0.83x

Higher debt load relative to assets than 15% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

48th percentile

18.81x

Higher debt load relative to revenue than 48% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

97th percentile

29%

Higher net margin than 97% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

30th percentile

$115,305

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

43rd percentile

3.1%

Faster asset growth than 43% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

60th percentile

3.3%

Faster revenue growth than 60% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$88,775,967

Up $2,681,259 (+3.1%) from 2014

Net Assets

Up

$15,296,147

Up $1,137,457 (+8.0%) from 2014

Liabilities

Up

$73,479,820

Up $1,543,802 (+2.1%) from 2014

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin97th percentile

Revenue

Up

$3,906,698

Up $126,129 (+3.3%) from 2014

Expenses

Up

$2,769,241

Up $141,911 (+5.4%) from 2014

Net Income

Down

$1,137,457

Down $15,782 (-1.4%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2015

Assets$88,775,967
Liabilities$73,479,820
Net Assets$15,296,147
Open 2015 Filing

Operations Trend

Revenue Growth60th percentile

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

2015

Revenue$3,906,698
Expenses$2,769,241
Net Income$1,137,457
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 6, 2016
Return Version
2015v2.1
Gross Receipts
$3,906,698
Mission and Program Overview

Mission

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$53,619,228$55,002,739▲ $1,383,511
Investments Program Related$28,458,098$28,745,522▲ $287,424
Rtn Earn Endowment Incm Other Fnds$14,158,690$15,296,147▲ $1,137,457
Land, Buildings, and Equipment, Net$608,667$1,484,336▲ $875,669
Cash and Non-Interest-Bearing Accounts$826,330$947,531▲ $121,201
Prepaid Expenses and Deferred Charges$41,652$52,316▲ $10,664
Accounts Receivable$78$1,910▲ $1,832
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$86,094,708$88,775,967▲ $2,681,259
Other Assets Total$2,540,655$2,541,613▲ $958
Liabilities
Other Liabilities$71,620,300$73,136,707▲ $1,516,407
Accounts Payable and Accrued Expenses$315,718$343,113▲ $27,395
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$71,936,018$73,479,820▲ $1,543,802
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,158,690$15,296,147▲ $1,137,457
Total Liabilities and Net Assets / Fund Balance$86,094,708$88,775,967▲ $2,681,259

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$2,663,682--
Buildings$893,678$186,872$0
Other Land Buildings$0$0$0
Land$425,000-$0
Equipment$117,314$863,029$0
Leasehold Improvements$48,344$132,945$0
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robert EikePresidentFT$115,305$115,305

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,555,637
Investment Income
$307,705
Other Revenue
$1,043,356
Change in Net Assets
$1,137,457
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,487,423
Salaries, Compensation, and Employee Benefits$934,612
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$603,536
Payments to Affiliates---$427,432
Fees for Services Other---$355,625
Benefits to Members---$347,206
Office Expenses---$231,422
Current Officers, Directors, Trustees, and Key Employees---$115,305
Occupancy---$111,373
Advertising---$101,896
Other Employee Benefits---$100,010
Payroll Taxes---$58,173
Pension Plan Contributions---$57,588
Insurance---$38,337
Travel---$17,211
Depreciation Depletion---$9,064
Conferences and Meetings---$3,447
Other Expenses---$558
Interest---$17
Total Functional Expenses$0$0$0$2,769,241
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$432
Total Exempt Function Spending$432
Section 527 Activity Spending$0
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 Deposits$73,136,707
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

“Customers of our credit union are referred to as members. As a financial cooperative the members own the credit union”

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

“Annually there is an election for our Board of Directors at an annual meeting.”

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

“At the annual meeting there are some issues in our bylaws that require a vote of the members”

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

“The 990 report is prepared by the President and reviewed by the Vice President. The Board of Directors do not usually review these reports.”

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

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

Form 990, Part VI, Section B, Line 15

“All employees are reviewed annually for performance and scored for salary adjustments. A matriz is established based on industry averages and the COLA rate at that 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

Filer Name
Century Credit Union
EIN
43-0704245
Phone
3145441818
Address
1540 Lemay Ferry Rd, Saint Louis, MO 63125

Signing Officer

Name
Robert Eike
Title
President
Phone
3145441818
Signed
2016-05-06

Organization Details

Principal Officer
Robert Eike
Formed
1954
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
6
Employees
34
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“This is $23360 for League Dues, $226093 for Loan servicing, and $106172 for other misc losses”

Raw XML AppendixShowing 400 of 452 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/OccupancyGrp/TotalAmt0111373
IRS990/OfficeExpensesGrp/TotalAmt0231422
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02540655
IRS990/OtherAssetsTotalGrp/EOYAmt02541613
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0100010
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1GAIN OR LOSS DISPOSAL ASSET
IRS990/OtherExpensesGrp/Desc2GAIN OR LOSS INVESTMENTS
IRS990/OtherExpensesGrp/TotalAmt0177431
IRS990/OtherExpensesGrp/TotalAmt113610
IRS990/OtherExpensesGrp/TotalAmt2558
IRS990/OtherLiabilitiesGrp/BOYAmt071620300
IRS990/OtherLiabilitiesGrp/EOYAmt073136707
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0Fee Income
IRS990/OtherRevenueMiscGrp/Desc1Misc Operating Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt0471126
IRS990/OtherRevenueMiscGrp/ExclusionAmt1533809
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0509547
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1533809
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt038421
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt01043356
IRS990/OtherSalariesAndWagesGrp/TotalAmt0603536
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt053619228
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt055002739
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0427432
IRS990/PayrollTaxesGrp/TotalAmt058173
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt057588
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt041652
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt052316
IRS990/PrincipalOfficerNm0Robert Eike
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Income from Members Loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt02555637
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02555637
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 THEN DEPOSIT INTO THEIR SAVINGS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0339106
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0308425
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01434805
IRS990/PYOtherRevenueAmt01043774
IRS990/PYProgramServiceRevenueAmt02428370
IRS990/PYRevenuesLessExpensesAmt01153239
IRS990/PYSalariesCompEmpBnftPaidAmt0853419
IRS990/PYTotalExpensesAmt02627330
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03780569
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt01137457
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014158690
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015296147
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt0432
IRS990ScheduleC/PoliticalExpendituresAmt0432
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0Donation to our Credit Union Political Action Committee.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule C, Part I-A, Line 1
IRS990ScheduleC/TotalExemptFunctionExpendAmt0432
IRS990ScheduleC/VolunteerHoursCnt00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0893678
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0186872
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01080550
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0117314
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0863029
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0980343
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt024781840
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt11300000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt22663682
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES IN BANKS & CREDIT UNIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1EBA FEDERAL RESERVE ACCT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2KANSAS CORPORATE CREDIT UNION
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/LandGrp/BookValueAmt0425000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0425000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt048344
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0132945
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0181289
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt073136707
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL MEMBER SAVINGS DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01484336
IRS990ScheduleD/TotalBookValueProgramRltdAmt028745522
IRS990ScheduleD/TotalLiabilityAmt073136707
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Customers of our credit union are referred to as members. As a financial cooperative the members own the credit union
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Annually there is an election for our Board of Directors at an annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2At the annual meeting there are some issues in our bylaws that require a vote of the members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 990 report is prepared by the President and reviewed by the Vice President. The Board of Directors do not usually review these reports.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The credit union monitors any and all activity that would be considered a conflict of interest among employees, directors and management
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All employees are reviewed annually for performance and scored for salary adjustments. A matriz is established based on industry averages and the COLA rate at that 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/ExplanationTxt7This is $23360 for League Dues, $226093 for Loan servicing, and $106172 for other misc 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
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt086094708
IRS990/TotalAssetsEOYAmt088775967
IRS990/TotalAssetsGrp/BOYAmt086094708
IRS990/TotalAssetsGrp/EOYAmt088775967
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02769241
IRS990/TotalGrossUBIAmt038421
IRS990/TotalLiabilitiesBOYAmt071936018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$88,775,967
Liabilities
$73,479,820
Net assets
$15,296,147
Revenue
$3,906,698
Expenses
$2,769,241
Net income
$1,137,457
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
2015Detailed filing. Detailed filing data is available for this year.$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