Civic Intelligence

Apex Financial Credit Union

990 • Fiscal year 2014 • EIN 43-0722467

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 18, 2015

Organization ProfileWWW.APEXFINANCIALCU.COM

View Organization Page

18 Mullanphy Garden Shopping CenterFlorissant, MO 63031-3412

(314) 385-8800

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.89x

Higher debt load relative to assets than 63% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

33rd percentile

17.61x

Higher debt load relative to revenue than 33% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

1st percentile

-42%

Higher net margin than 1% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

63rd percentile

$106,435

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

42nd percentile

0.5%

Faster asset growth than 42% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

6th percentile

-9.9%

Faster revenue growth than 6% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$37,811,157

Up $200,247 (+0.5%) from 2013

Net Assets

Down

$4,047,010

Down $651,062 (-14%) from 2013

Liabilities

Up

$33,764,147

Up $851,309 (+2.6%) from 2013

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin1st percentile

Revenue

Down

$1,917,719

Down $211,777 (-9.9%) from 2013

Expenses

Up

$2,728,771

Up $166,185 (+6.5%) from 2013

Net Income

Down

-$811,052

Down $377,962 (-87%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2014

Assets$37,811,157
Liabilities$33,764,147
Net Assets$4,047,010
Open 2014 Filing

Operations Trend

Revenue Growth6th percentile

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

2014

Revenue$1,917,719
Expenses$2,728,771
Net Income-$811,052
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 18, 2015
Return Version
2014v5.0
Gross Receipts
$3,313,643
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
Other Notes and Loans Receivable, Net$14,316,711$19,560,561▲ $5,243,850
Investments in Publicly Traded Securities$16,133,694$14,266,578▼ $1,867,116
Rtn Earn Endowment Incm Other Fnds$4,698,072$4,047,010▼ $651,062
Land, Buildings, and Equipment, Net$1,648,131$1,442,938▼ $205,193
Savings and Temporary Cash Investments$3,864,060$1,046,712▼ $2,817,348
Cash and Non-Interest-Bearing Accounts$912,143$564,059▼ $348,084
Investments Other Securities-$139,200-
Prepaid Expenses and Deferred Charges$68,919$75,546▲ $6,627
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,610,910$37,811,157▲ $200,247
Other Assets Total$667,252$715,563▲ $48,311
Liabilities
Other Liabilities$32,785,858$31,250,431▼ $1,535,427
Mortgage Notes Payable Secured by Investment Property-$2,350,000-
Accounts Payable and Accrued Expenses$120,368$160,402▲ $40,034
Escrow Account Liability$6,612$3,314▼ $3,298
Total Liabilities$32,912,838$33,764,147▲ $851,309
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,698,072$4,047,010▼ $651,062
Total Liabilities and Net Assets / Fund Balance$37,610,910$37,811,157▲ $200,247

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$981,908$160,574$1,142,482
Equipment$344,222$741,443$1,085,665
Buildings$73,308$614,329$687,637
Land$43,500-$43,500
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donald CunninghamPresidentFT$102,695$3,740$106,435
Charley PhebusChief Financial OfficerFT$72,000$420$72,420

Board Members and Trustees

NameTitle
Andromeda HortonChairman
John HeadVice Chairman
Joyce AddisonDirector
Trinetta TaylorSecretary
Lucille SlaterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,652,102
Investment Income
$257,520
Other Revenue
$8,097
Change in Net Assets
$-811,052

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,917,719
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,917,719
Total Revenue per Form 990
$1,917,719
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,820,809
Salaries, Compensation, and Employee Benefits$907,962
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$580,876
Office Expenses---$447,933
Depreciation Depletion---$219,563
Current Officers, Directors, Trustees, and Key Employees---$178,855
Occupancy---$168,423
Information Technology---$150,137
Other Employee Benefits---$73,052
Fees for Services Other---$70,379
Payroll Taxes---$65,413
Advertising---$62,155
Other Expenses---$43,033
Insurance---$42,958
Fees for Services Accounting---$35,646
All Other Expenses---$14,231
Fees for Services Legal---$11,149
Pension Plan Contributions---$9,766
Conferences and Meetings---$3,322
Interest---$2,343
Total Functional Expenses$0$0$0$2,728,771

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,728,771
Total Expenses per Audited Statements$2,728,771
Total Expenses per Form 990$2,728,771
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$31,250,431
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
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

“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

Filer Name
Apex Financial Credit Union
EIN
43-0722467
Phone
3143858800
Address
18 MULLANPHY GARDEN SHOPPING CENTER, FLORISSANT, MO 63031-3412

Signing Officer

Name
Donald Cunningham
Title
President
Phone
3143858800
Signed
2015-08-18
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
33
Volunteers
8

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
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 Appendix377 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/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $90,912 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0432025
IRS990/PYOtherExpensesAmt01757504
IRS990/PYOtherRevenueAmt0455
IRS990/PYProgramServiceRevenueAmt01697016
IRS990/PYRevenuesLessExpensesAmt0-433090
IRS990/PYSalariesCompEmpBnftPaidAmt0805082
IRS990/PYTotalExpensesAmt02562586
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02129496
IRS990/ReconcilationRevenueExpnssAmt0-811052
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt08097
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt08097
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04698072
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04047010
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03864060
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01046712
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt073308
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0614329
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0687637
IRS990ScheduleD/EquipmentGrp/BookValueAmt0344222
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0741443
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01085665
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02728771
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt043500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt043500
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0981908
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0160574
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01142482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031250431
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01917719
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/TotalBookValueLandBuildingsAmt01442938
IRS990ScheduleD/TotalExpensesPerForm990Amt02728771
IRS990ScheduleD/TotalLiabilityAmt031250431
IRS990ScheduleD/TotalRevenuePerForm990Amt01917719
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01917719
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02728771
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4ON 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/ExplanationTxt5THE 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/ExplanationTxt6FINANCIAL 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 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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt037610910
IRS990/TotalAssetsEOYAmt037811157
IRS990/TotalAssetsGrp/BOYAmt037610910
IRS990/TotalAssetsGrp/EOYAmt037811157
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt033
IRS990/TotalFunctionalExpensesGrp/TotalAmt02728771
IRS990/TotalGrossUBIAmt025923
IRS990/TotalLiabilitiesBOYAmt032912838
IRS990/TotalLiabilitiesEOYAmt033764147
IRS990/TotalLiabilitiesGrp/BOYAmt032912838
IRS990/TotalLiabilitiesGrp/EOYAmt033764147
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04698072
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04047010
IRS990/TotalOtherCompensationAmt04160
IRS990/TotalProgramServiceRevenueAmt01652102
IRS990/TotalReportableCompFromOrgAmt0174695
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01891796
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01917719
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt025923
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037610910
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037811157
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt018 MULLANPHY GARDEN SHOPPING CENTER
IRS990/USAddress/CityNm0FLORISSANT
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0630313412
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.APEXFINANCIALCU.COM
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONALD CUNNINGHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03143858800
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-08-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0APEX FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GATE
ReturnHeader/Filer/EIN0430722467
ReturnHeader/Filer/PhoneNum03143858800
ReturnHeader/Filer/USAddress/AddressLine1Txt018 MULLANPHY GARDEN SHOPPING CENTER
ReturnHeader/Filer/USAddress/CityNm0FLORISSANT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0630313412
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/ReturnTs02015-08-17T15:35:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$37,811,157
Liabilities
$33,764,147
Net assets
$4,047,010
Revenue
$1,917,719
Expenses
$2,728,771
Net income
-$811,052
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