Civic Intelligence

Mawc Credit Union

990 • Fiscal year 2013 • EIN 43-0720336

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 06, 2014

Organization ProfileWWW.MAWCCREDITUNION.ORG
727 Craig RoadSt Louis, MO 63141

(314) 996-2399

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.90x

Higher debt load relative to assets than 82% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

86th percentile

29.08x

Higher debt load relative to revenue than 86% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

76th percentile

9.9%

Higher net margin than 76% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

36th percentile

$17,284

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 23.1% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

36th percentile

-2.6%

Faster asset growth than 36% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets82nd percentile

Assets

Down

$2,430,284

Down $63,604 (-2.6%) from 2012

Net Assets

Up

$251,403

Up $7,420 (+3.0%) from 2012

Liabilities

Down

$2,178,881

Down $71,024 (-3.2%) from 2012

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin76th percentile

Revenue

$74,916

No earlier filing loaded for comparison.

Expenses

Down

$67,516

Down $23,371 (-26%) from 2012

Net Income

$7,400

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth36th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,469,596Liabilities 2010: $2,209,070Net Assets 2010: $260,5262010Assets 2011: $2,403,714Liabilities 2011: $2,139,498Net Assets 2011: $264,2162011Assets 2012: $2,493,888Liabilities 2012: $2,249,905Net Assets 2012: $243,9832012Assets 2013: $2,430,284Liabilities 2013: $2,178,881Net Assets 2013: $251,4032013Assets 2014: $2,370,974Liabilities 2014: $2,093,761Net Assets 2014: $277,2132014Assets 2015: $2,468,122Liabilities 2015: $2,184,690Net Assets 2015: $283,4322015Assets 2016: $2,403,858Liabilities 2016: $2,109,076Net Assets 2016: $294,7822016Assets 2017: $2,544,423Liabilities 2017: $2,238,821Net Assets 2017: $305,6022017Assets 2018: $2,610,639Liabilities 2018: $2,287,292Net Assets 2018: $323,3472018Assets 2019: $2,410,250Liabilities 2019: $2,076,783Net Assets 2019: $333,4672019

Highlighted filing

2013

Assets$2,430,284
Liabilities$2,178,881
Net Assets$251,403
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0Expenses 2010: $114,8452010Expenses 2011: $75,1222011Expenses 2012: $90,8872012Revenue 2013: $74,916Expenses 2013: $67,516Net Income 2013: $7,4002013Revenue 2014: $79,374Expenses 2014: $53,578Net Income 2014: $25,7962014Revenue 2015: $81,409Expenses 2015: $75,200Net Income 2015: $6,2092015Revenue 2016: $82,185Expenses 2016: $70,843Net Income 2016: $11,3422016Revenue 2017: $85,375Expenses 2017: $74,571Net Income 2017: $10,8042017Revenue 2018: $90,635Expenses 2018: $72,909Net Income 2018: $17,7262018Revenue 2019: $85,384Expenses 2019: $75,277Net Income 2019: $10,1072019

Highlighted filing

2013

Revenue$74,916
Expenses$67,516
Net Income$7,400
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 6, 2014
Return Version
2013v3.0
Gross Receipts
$74,916
Mission and Program Overview

Mission

Owned, controlled, & operated for the benefit of our members, mawc credit union is a not-for-profit cooperative, committed to providing fast, friendly, reliable service. We offer competitive lending rates and excellent dividends. We seek to deliver a range of low cost products that will sustain growth and serve the best interest of our members while maintaining financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$916,175$1,265,374▲ $349,199
Savings and Temporary Cash Investments$1,548,761$1,135,284▼ $413,477
Rtn Earn Endowment Incm Other Fnds$243,983$251,403▲ $7,420
Prepaid Expenses and Deferred Charges$3,466$3,635▲ $169
Land, Buildings, and Equipment, Net$837$573▼ $264
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,493,888$2,430,284▼ $63,604
Other Assets Total$24,649$25,418▲ $769
Liabilities
Other Liabilities$2,248,139$2,175,958▼ $72,181
Accounts Payable and Accrued Expenses$1,766$2,923▲ $1,157
Total Liabilities$2,249,905$2,178,881▼ $71,024
Net Assets / Fund Balance
Total Net Assets Fund Balance$243,983$251,403▲ $7,420
Total Liabilities and Net Assets / Fund Balance$2,493,888$2,430,284▼ $63,604

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$573$20,744$21,317
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Georgiann HeunSecretary/assistant TreasurerPT$17,284$17,284
Oreon FarkasTreasurer-$222$222

Board Members and Trustees

NameTitle
Maureen HannekenPresident
Susan MoynihanVice President
David PatrickBoard Member
Lynette KernBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$60,036
Investment Income
$14,880
Other Revenue
$0
Change in Net Assets
$7,400
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$43,787
Other Expenses$23,729
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$22,781
Current Officers, Directors, Trustees, and Key Employees---$17,506
Office Expenses---$8,234
Insurance---$4,406
Payroll Taxes---$3,500
Fees for Services Accounting---$3,124
All Other Expenses---$2,756
Fees for Services Other---$2,683
Conferences and Meetings---$1,146
Information Technology---$600
Depreciation Depletion---$264
Advertising---$257
Other Expenses---$-10,923
Total Functional Expenses$0$0$0$67,516
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$2,175,958
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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 11

“The form 990 is reviewed and compared to financial reports for accuracy.”

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

“On an annual basis, officers and directors review the conflict of interest policy and disclose in writing any potential interests that could result in a conflict. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors approves all compensation for all credit union employees. Deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“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

EIN
43-0720336
Phone
3149962399

Signing Officer

Name
Georgiann Heun
Title
Secretary/assistant Treasurer
Phone
3149962399
Signed
2014-02-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Georgiann Heun
Formed
1940
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
3
Volunteers
12

Preparer

Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“NEW MEMBER FEES 20.”

Raw XML Appendix316 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/ActivityOrMissionDesc0OWNED, CONTROLLED, & OPERATED FOR THE BENEFIT OF OUR MEMBERS, MAWC CREDIT UNION IS A NOT-FOR-PROFIT COOPERATIVE, COMMITTED TO PROVIDING FAST, FRIENDLY, RELIABLE SERVICE. WE OFFER COMPETITIVE LENDING RATES AND EXCELLENT DIVIDENDS. WE SEEK TO DELIVER A RANGE OF LOW COST PRODUCTS THAT WILL SUSTAIN GROWTH AND SERVE THE BEST INTEREST OF OUR MEMBERS WHILE MAINTAINING FINANCIAL STABILITY.
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IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/MissionDesc0OWNED, CONTROLLED, & OPERATED FOR THE BENEFIT OF OUR MEMBERS, MAWC CREDIT UNION IS A NOT-FOR-PROFIT COOPERATIVE, COMMITTED TO PROVIDING FAST, FRIENDLY, RELIABLE SERVICE. WE OFFER COMPETITIVE LENDING RATES AND EXCELLENT DIVIDENDS. WE SEEK TO DELIVER A RANGE OF LOW COST PRODUCTS THAT WILL SUSTAIN GROWTH AND SERVE THE BEST INTEREST OF OUR MEMBERS WHILE MAINTAINING FINANCIAL STABILITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/OfficerMailingAddressInd00
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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, 2013, THERE WERE 153 LOANS OUTSTANDING TOTALING $1,278,858.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $4,482 FOR THE YEAR.
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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 FORM 990 IS REVIEWED AND COMPARED TO FINANCIAL REPORTS FOR ACCURACY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, OFFICERS AND DIRECTORS REVIEW THE CONFLICT OF INTEREST POLICY AND DISCLOSE IN WRITING ANY POTENTIAL INTERESTS THAT COULD RESULT IN A CONFLICT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS APPROVES ALL COMPENSATION FOR ALL CREDIT UNION EMPLOYEES. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NEW MEMBER FEES 20.
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 11
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 XI, line 9:
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IRS990/TotalAssetsGrp/EOYAmt02430284
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt067516
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02249905
IRS990/TotalLiabilitiesEOYAmt02178881
IRS990/TotalLiabilitiesGrp/BOYAmt02249905
IRS990/TotalLiabilitiesGrp/EOYAmt02178881
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0243983
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0251403
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt060036
IRS990/TotalReportableCompFromOrgAmt017506
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt074916
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt074916
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02493888
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02430284
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10727 CRAIG ROAD
IRS990/USAddress/City0ST LOUIS
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063141
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MAWCCREDITUNION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGIANN HEUN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY/ASSISTANT TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum03149962399
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-06
ReturnHeader/Filer/BusinessName/BusinessNameLine10MAWC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MAWC
ReturnHeader/Filer/EIN0430720336
ReturnHeader/Filer/PhoneNum03149962399
ReturnHeader/Filer/USAddress/AddressLine10727 CRAIG ROAD
ReturnHeader/Filer/USAddress/City0ST LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063141
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-02-06T08:42:07-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,430,284
Liabilities
$2,178,881
Net assets
$251,403
Revenue
$74,916
Expenses
$67,516
Net income
$7,400
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$2.41$2.08$0.33$0.09$0.08$0.01
2018Detailed filing. Detailed filing data is available for this year.$2.61$2.29$0.32$0.09$0.07$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.54$2.24$0.31$0.09$0.07$0.01
2016Detailed filing. Detailed filing data is available for this year.$2.40$2.11$0.29$0.08$0.07$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.47$2.18$0.28$0.08$0.08$0.01
2014Detailed filing. Detailed filing data is available for this year.$2.37$2.09$0.28$0.08$0.05$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.43$2.18$0.25$0.07$0.07$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.49$2.25$0.24$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.40$2.14$0.26$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.47$2.21$0.26$0.11