Civic Intelligence

Mawc Credit Union

990 • Fiscal year 2014 • EIN 43-0720336

Jan 01, 2014 to Dec 31, 2014 • Filed on May 04, 2015

Organization ProfileWWW.MAWCCREDITUNION.ORG
727 Craig RoadSt Louis, MO 63141-7175

(314) 996-2399

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.88x

Higher debt load relative to assets than 73% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

85th percentile

26.38x

Higher debt load relative to revenue than 85% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

96th percentile

32%

Higher net margin than 96% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

35th percentile

$18,639

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 23.5% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

38th percentile

-2.4%

Faster asset growth than 38% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

84th percentile

6.0%

Faster revenue growth than 84% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$2,370,974

Down $59,310 (-2.4%) from 2013

Net Assets

Up

$277,213

Up $25,810 (+10%) from 2013

Liabilities

Down

$2,093,761

Down $85,120 (-3.9%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin96th percentile

Revenue

Up

$79,374

Up $4,458 (+6.0%) from 2013

Expenses

Down

$53,578

Down $13,938 (-21%) from 2013

Net Income

Up

$25,796

Up $18,396 (+249%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth38th 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

2014

Assets$2,370,974
Liabilities$2,093,761
Net Assets$277,213
Open 2014 Filing

Operations Trend

Revenue Growth84th percentile

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

2014

Revenue$79,374
Expenses$53,578
Net Income$25,796
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 4, 2015
Return Version
2014v5.0
Gross Receipts
$79,374
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$1,265,374$1,226,338▼ $39,036
Savings and Temporary Cash Investments$1,135,284$1,115,098▼ $20,186
Rtn Earn Endowment Incm Other Fnds$251,403$277,213▲ $25,810
Prepaid Expenses and Deferred Charges$3,635$3,572▼ $63
Land, Buildings, and Equipment, Net$573$308▼ $265
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,430,284$2,370,974▼ $59,310
Other Assets Total$25,418$25,658▲ $240
Liabilities
Other Liabilities$2,175,958$2,091,090▼ $84,868
Accounts Payable and Accrued Expenses$2,923$2,671▼ $252
Total Liabilities$2,178,881$2,093,761▼ $85,120
Net Assets / Fund Balance
Total Net Assets Fund Balance$251,403$277,213▲ $25,810
Total Liabilities and Net Assets / Fund Balance$2,430,284$2,370,974▼ $59,310

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$308$17,531$17,839
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Georgiann HeunSecretary/assistant TreasurerPT$18,639$18,639
Dawn SpinkVice President-$141$141

Board Members and Trustees

NameTitle
Maureen HannekanPresident
David PatrickBoard Member
Lynette KernBoard Member
Orean FarkasTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$69,433
Investment Income
$9,941
Other Revenue
$0
Change in Net Assets
$25,796
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$42,750
Other Expenses$9,916
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,541
Current Officers, Directors, Trustees, and Key Employees---$18,780
Office Expenses---$7,448
Insurance---$4,512
Payroll Taxes---$3,429
Fees for Services Accounting---$3,184
Fees for Services Other---$2,595
Benefits to Members---$912
Information Technology---$863
Conferences and Meetings---$755
Depreciation Depletion---$264
Advertising---$100
Interest---$9
Other Expenses---$-18,521
Total Functional Expenses$0$0$0$53,578
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$2,091,090
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
No
Other officer compensation reviewed
No
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 prior to filing.”

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

Filer Name
Mawc Credit Union
EIN
43-0720336
Phone
3149962399
Address
727 CRAIG ROAD, ST LOUIS, MO 63141-7175

Signing Officer

Name
Georgiann Heun
Title
Secretary/assistant Treasurer
Phone
3149962399
Signed
2015-05-04
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

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“NEW MEMBER FEES 14.”

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/TitleTxt0SECRETARY/ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
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IRS990/MinutesOfCommitteesInd01
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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
IRS990/NetAssetsOrFundBalancesBOYAmt0251403
IRS990/NetAssetsOrFundBalancesEOYAmt0277213
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
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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, 2014, THERE WERE 140 LOANS OUTSTANDING TOTALING $1,226,813.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,321 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 PRIOR TO FILING.
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 14.
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:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02430284
IRS990/TotalAssetsEOYAmt02370974
IRS990/TotalAssetsGrp/BOYAmt02430284
IRS990/TotalAssetsGrp/EOYAmt02370974
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt053578
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02178881
IRS990/TotalLiabilitiesEOYAmt02093761
IRS990/TotalLiabilitiesGrp/BOYAmt02178881
IRS990/TotalLiabilitiesGrp/EOYAmt02093761
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0251403
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0277213
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt069433
IRS990/TotalReportableCompFromOrgAmt018780
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt079374
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt079374
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02430284
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02370974
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0727 CRAIG ROAD
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631417175
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MAWCCREDITUNION.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGIANN HEUN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0SECRETARY/ASSISTANT TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum03149962399
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MAWC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MAWC
ReturnHeader/Filer/EIN0430720336
ReturnHeader/Filer/PhoneNum03149962399
ReturnHeader/Filer/USAddress/AddressLine1Txt0727 CRAIG ROAD
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631417175
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/ReturnTs02015-05-04T11:09:53-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,370,974
Liabilities
$2,093,761
Net assets
$277,213
Revenue
$79,374
Expenses
$53,578
Net income
$25,796
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