Civic Intelligence

Mawc Credit Union

990 • Fiscal year 2016 • EIN 43-0720336

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 17, 2017

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

74th percentile

0.88x

Higher debt load relative to assets than 74% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

25.66x

Higher debt load relative to revenue than 79% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

82nd percentile

14%

Higher net margin than 82% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

42nd percentile

$21,034

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 25.6% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

35th percentile

-2.6%

Faster asset growth than 35% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

63rd percentile

1.0%

Faster revenue growth than 63% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets74th percentile

Assets

Down

$2,403,858

Down $64,264 (-2.6%) from 2015

Net Assets

Up

$294,782

Up $11,350 (+4.0%) from 2015

Liabilities

Down

$2,109,076

Down $75,614 (-3.5%) from 2015

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin82nd percentile

Revenue

Up

$82,185

Up $776 (+1.0%) from 2015

Expenses

Down

$70,843

Down $4,357 (-5.8%) from 2015

Net Income

Up

$11,342

Up $5,133 (+83%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth35th 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

2016

Assets$2,403,858
Liabilities$2,109,076
Net Assets$294,782
Open 2016 Filing

Operations Trend

Revenue Growth63rd 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

2016

Revenue$82,185
Expenses$70,843
Net Income$11,342
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 17, 2017
Return Version
2016v3.0
Gross Receipts
$82,185
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$1,193,118$1,457,920▲ $264,802
Savings and Temporary Cash Investments$1,248,393$917,985▼ $330,408
Rtn Earn Endowment Incm Other Fnds$283,432$294,782▲ $11,350
Prepaid Expenses and Deferred Charges$3,405$3,438▲ $33
Land, Buildings, and Equipment, Net$44$0▼ $44
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,468,122$2,403,858▼ $64,264
Other Assets Total$23,162$24,515▲ $1,353
Liabilities
Other Liabilities$2,181,304$2,106,163▼ $75,141
Accounts Payable and Accrued Expenses$3,386$2,913▼ $473
Total Liabilities$2,184,690$2,109,076▼ $75,614
Net Assets / Fund Balance
Total Net Assets Fund Balance$283,432$294,782▲ $11,350
Total Liabilities and Net Assets / Fund Balance$2,468,122$2,403,858▼ $64,264

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$17,840$17,840
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Jean ScottSecretary/assistant TreasurerPT$21,034$21,034
Georgiann HeunManager/board MemberPT$16,990$16,990
Orean FarkasTreasurer-$207$207

Board Members and Trustees

NameTitle
Maureen HannekanPresident
Dawn SpinkVice President
Lynette KernBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$74,159
Investment Income
$8,026
Other Revenue
$0
Change in Net Assets
$11,342
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$41,309
Other Expenses$29,534
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$38,231
Office Expenses---$7,675
Insurance---$4,147
Fees for Services Accounting---$3,278
Payroll Taxes---$3,078
Fees for Services Other---$2,721
Other Expenses---$1,483
Information Technology---$1,353
Conferences and Meetings---$1,038
Advertising---$575
Depreciation Depletion---$44
Total Functional Expenses$0$0$0$70,843
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$2,106,163
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 11B

“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. 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
Manager/board Member
Phone
3149962399
Signed
2017-02-17
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 8.”

Raw XML Appendix320 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/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/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/PersonNm3OREAN FARKAS
IRS990/Form990PartVIISectionAGrp/PersonNm4JEAN SCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm5GEORGIANN HEUN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY/ASSISTANT TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MANAGER/BOARD MEMBER
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt082185
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
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IRS990/LandBldgEquipAccumDeprecAmt017840
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IRS990/MethodOfAccountingAccrualInd0X
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/NetAssetsOrFundBalancesBOYAmt0283432
IRS990/NetAssetsOrFundBalancesEOYAmt0294782
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt07675
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc1ASSOCIATION DUES
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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, 2016, THERE WERE 139 LOANS OUTSTANDING TOTALING $1,459,525.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,331 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. 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 8.
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 XI, line 9:
IRS990/SchoolOperatingInd00
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IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02468122
IRS990/TotalAssetsEOYAmt02403858
IRS990/TotalAssetsGrp/BOYAmt02468122
IRS990/TotalAssetsGrp/EOYAmt02403858
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt070843
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02184690
IRS990/TotalLiabilitiesEOYAmt02109076
IRS990/TotalLiabilitiesGrp/BOYAmt02184690
IRS990/TotalLiabilitiesGrp/EOYAmt02109076
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0283432
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0294782
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt074159
IRS990/TotalReportableCompFromOrgAmt038231
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt082185
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt082185
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02468122
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02403858
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GEORGIANN HEUN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/BOARD MEMBER
ReturnHeader/BusinessOfficerGrp/PhoneNum03149962399
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-17
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-02-17
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm014:46:53
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/ReturnTs02017-02-15T00:00:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,403,858
Liabilities
$2,109,076
Net assets
$294,782
Revenue
$82,185
Expenses
$70,843
Net income
$11,342
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