Civic Intelligence

Apex Financial Credit Union

990 • Fiscal year 2013 • EIN 43-0722467

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 18, 2014

Organization ProfileWWW.APEXFINANCIALCU.COM

View Organization Page

18 Mullanphy Garden Shopping CenterFlorissant, MO 63031

(314) 385-8800

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.88x

Higher debt load relative to assets than 43% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

21st percentile

15.46x

Higher debt load relative to revenue than 21% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

5th percentile

-20%

Higher net margin than 5% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

50th percentile

$96,037

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

21st percentile

-1.5%

Faster asset growth than 21% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets43rd percentile

Assets

Down

$37,610,910

Down $570,268 (-1.5%) from 2012

Net Assets

Down

$4,698,072

Down $872,491 (-16%) from 2012

Liabilities

Up

$32,912,838

Up $302,223 (+0.9%) from 2012

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin5th percentile

Revenue

$2,129,496

No earlier filing loaded for comparison.

Expenses

Up

$2,562,586

Up $203,886 (+8.6%) from 2012

Net Income

-$433,090

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$40M$30M$20M$10M$0Assets 2010: $36,392,014Liabilities 2010: $30,748,750Net Assets 2010: $5,643,2642010Assets 2011: $37,822,590Liabilities 2011: $32,153,642Net Assets 2011: $5,668,9482011Assets 2012: $38,181,178Liabilities 2012: $32,610,615Net Assets 2012: $5,570,5632012Assets 2013: $37,610,910Liabilities 2013: $32,912,838Net Assets 2013: $4,698,0722013Assets 2014: $37,811,157Liabilities 2014: $33,764,147Net Assets 2014: $4,047,0102014Assets 2015: $37,456,313Liabilities 2015: $33,877,903Net Assets 2015: $3,578,4102015Assets 2016: $37,518,758Liabilities 2016: $34,580,603Net Assets 2016: $2,938,1552016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2013

Assets$37,610,910
Liabilities$32,912,838
Net Assets$4,698,072
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$2.0M$0-$2.0MExpenses 2010: $2,513,7352010Expenses 2011: $2,318,6602011Expenses 2012: $2,358,7002012Revenue 2013: $2,129,496Expenses 2013: $2,562,586Net Income 2013: -$433,0902013Revenue 2014: $1,917,719Expenses 2014: $2,728,771Net Income 2014: -$811,0522014Revenue 2015: $1,856,402Expenses 2015: $2,231,518Net Income 2015: -$375,1162015Revenue 2016: $1,821,535Expenses 2016: $2,262,893Net Income 2016: -$441,3582016Revenue 2017: $1,256,702Expenses 2017: $2,582,621Net Income 2017: -$1,325,9192017

Highlighted filing

2013

Revenue$2,129,496
Expenses$2,562,586
Net Income-$433,090
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 18, 2014
Return Version
2013v3.0
Gross Receipts
$2,428,104
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$16,350,207$16,133,694▼ $216,513
Other Notes and Loans Receivable, Net$14,227,276$14,316,711▲ $89,435
Rtn Earn Endowment Incm Other Fnds$5,570,563$4,698,072▼ $872,491
Savings and Temporary Cash Investments$6,137,182$3,864,060▼ $2,273,122
Land, Buildings, and Equipment, Net$236,667$1,648,131▲ $1,411,464
Cash and Non-Interest-Bearing Accounts$537,143$912,143▲ $375,000
Prepaid Expenses and Deferred Charges$42,233$68,919▲ $26,686
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$38,181,178$37,610,910▼ $570,268
Other Assets Total$650,470$667,252▲ $16,782
Liabilities
Other Liabilities$32,470,462$32,785,858▲ $315,396
Accounts Payable and Accrued Expenses$132,233$120,368▼ $11,865
Escrow Account Liability$7,920$6,612▼ $1,308
Total Liabilities$32,610,615$32,912,838▲ $302,223
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,570,563$4,698,072▼ $872,491
Total Liabilities and Net Assets / Fund Balance$38,181,178$37,610,910▼ $570,268

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$1,102,836$39,646$1,142,482
Equipment$406,067$667,244$1,073,311
Buildings$95,728$591,909$687,637
Land$43,500-$43,500
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donald CunninghamPresidentFT$93,215$2,822$96,037
Steve SandersChief Financial OfficerFT$60,246$6,644$66,890

Board Members and Trustees

NameTitle
Andromeda HortonChairman
Joyce AddisonVice Chairman
Imogene GriffinDirector
Trinetta TaylorSecretary
Lucille SlaterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,697,016
Investment Income
$432,025
Other Revenue
$455
Change in Net Assets
$-433,090

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,129,496
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,129,496
Total Revenue per Form 990
$2,129,496
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,757,504
Salaries, Compensation, and Employee Benefits$805,082
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$525,114
Office Expenses---$449,972
Information Technology---$205,020
Current Officers, Directors, Trustees, and Key Employees---$162,927
Occupancy---$145,052
Depreciation Depletion---$98,090
Advertising---$86,942
Fees for Services Other---$83,293
All Other Expenses---$75,417
Payroll Taxes---$57,934
Other Employee Benefits---$47,961
Insurance---$35,005
Fees for Services Accounting---$33,470
Other Expenses---$26,059
Fees for Services Legal---$21,855
Pension Plan Contributions---$11,146
Conferences and Meetings---$4,992
Interest---$130
Total Functional Expenses$0$0$0$2,562,586

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,562,586
Total Expenses per Audited Statements$2,562,586
Total Expenses per Form 990$2,562,586
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$32,785,858
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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 4

“Effective september 1, 2013, the credit union changed names from gateway regional credit union to apex financial credit union. The change was approved by the board of directors and the state of missouri. The bylaws were amended accordingly.”

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

“Certain significant changes 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 cfo reviews information gathered by the accounting department and provides it to the accounting firm preparing the form 990. Upon completion, the president reviews the return with the cfo and presents it to the board of directors.”

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

“On an annual basis, officers, directors, and key employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board of directors reviews the president's performance and determines compensation based on a written employment contract and cuna salary survey. All other management compensation is determined by the president, also using the cuna salary survey, and is presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are presented at the annual meeting and are available upon request. In addition, 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
43-0722467
Phone
3143858800

Signing Officer

Name
Donald Cunningham
Title
President
Phone
3143858800
Signed
2014-11-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Donald Cunningham
Formed
1956
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
36
Volunteers
7

Preparer

Phone
3142058601
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans.”

PART X, LINE 2:

“The credit union is exempt by statute from federal income taxes except for certain products and services which have been deemed by the internal revenue service (irs) to be unrelated to the credit union's exempt purpose. As presented in technical advice memorandums, the net taxable income from these products and services is subject to income taxes under the unrelated business income tax (ubit) regulations. In management's opinion, the credit union has no unrelated taxable business income and no accrual has been recorded. Taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, the estimated liability for any potential tax assessment would not have a material effect on the credit union's financial position or results of operations.”

Raw XML Appendix375 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/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
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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 2,749 LOANS OUTSTANDING TOTALING $14,581,203.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $114,322 FOR THE YEAR.
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IRS990/PYTotalRevenueAmt02219544
IRS990/ReconcilationRevenueExpnssAmt0-433090
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt0455
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0455
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05570563
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04698072
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06137182
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03864060
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt095728
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0591909
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0687637
IRS990ScheduleD/EquipmentGrp/BookValueAmt0406067
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0667244
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01073311
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02562586
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt043500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt043500
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01102836
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt039646
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01142482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt032785858
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02129496
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED TAXABLE BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01648131
IRS990ScheduleD/TotalExpensesPerForm990Amt02562586
IRS990ScheduleD/TotalLiabilityAmt032785858
IRS990ScheduleD/TotalRevenuePerForm990Amt02129496
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02129496
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02562586
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EFFECTIVE SEPTEMBER 1, 2013, THE CREDIT UNION CHANGED NAMES FROM GATEWAY REGIONAL CREDIT UNION TO APEX FINANCIAL CREDIT UNION. THE CHANGE WAS APPROVED BY THE BOARD OF DIRECTORS AND THE STATE OF MISSOURI. THE BYLAWS WERE AMENDED ACCORDINGLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CFO REVIEWS INFORMATION GATHERED BY THE ACCOUNTING DEPARTMENT AND PROVIDES IT TO THE ACCOUNTING FIRM PREPARING THE FORM 990. UPON COMPLETION, THE PRESIDENT REVIEWS THE RETURN WITH THE CFO AND PRESENTS IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A WRITTEN EMPLOYMENT CONTRACT AND CUNA SALARY SURVEY. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT, ALSO USING THE CUNA SALARY SURVEY, AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt038181178
IRS990/TotalAssetsEOYAmt037610910
IRS990/TotalAssetsGrp/BOYAmt038181178
IRS990/TotalAssetsGrp/EOYAmt037610910
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt036
IRS990/TotalFunctionalExpensesGrp/TotalAmt02562586
IRS990/TotalGrossUBIAmt038732
IRS990/TotalLiabilitiesBOYAmt032610615
IRS990/TotalLiabilitiesEOYAmt032912838
IRS990/TotalLiabilitiesGrp/BOYAmt032610615
IRS990/TotalLiabilitiesGrp/EOYAmt032912838
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05570563
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04698072
IRS990/TotalOtherCompensationAmt09466
IRS990/TotalProgramServiceRevenueAmt01697016
IRS990/TotalReportableCompFromOrgAmt0153461
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02090764
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02129496
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt038732
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt038181178
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037610910
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1018 MULLANPHY GARDEN SHOPPING CENTER
IRS990/USAddress/City0FLORISSANT
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063031
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.APEXFINANCIALCU.COM
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONALD CUNNINGHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03143858800
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-18
ReturnHeader/Filer/BusinessName/BusinessNameLine10GATEWAY REGIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GATE
ReturnHeader/Filer/EIN0430722467
ReturnHeader/Filer/PhoneNum03143858800
ReturnHeader/Filer/USAddress/AddressLine1018 MULLANPHY GARDEN SHOPPING CENTER
ReturnHeader/Filer/USAddress/City0FLORISSANT
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063031
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/ReturnTs02014-11-17T16:34:34-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$37,610,910
Liabilities
$32,912,838
Net assets
$4,698,072
Revenue
$2,129,496
Expenses
$2,562,586
Net income
-$433,090
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.26$2.58$1.33
2016Detailed filing. Detailed filing data is available for this year.$37.5$34.6$2.94$1.82$2.26$0.44
2015Detailed filing. Detailed filing data is available for this year.$37.5$33.9$3.58$1.86$2.23$0.38
2014Detailed filing. Detailed filing data is available for this year.$37.8$33.8$4.05$1.92$2.73$0.81
2013Detailed filing. Detailed filing data is available for this year.$37.6$32.9$4.70$2.13$2.56$0.43
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.2$32.6$5.57$2.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.8$32.2$5.67$2.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.4$30.7$5.64$2.51
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $25M-$50M nonprofits