Civic Intelligence

Apex Financial Credit Union

990 • Fiscal year 2016 • EIN 43-0722467

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 13, 2017

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

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

41st percentile

18.98x

Higher debt load relative to revenue than 41% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

1st percentile

-24%

Higher net margin than 1% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

68th percentile

$109,360

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

22nd percentile

0.2%

Faster asset growth than 22% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

15th percentile

-1.9%

Faster revenue growth than 15% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$37,518,758

Up $62,445 (+0.2%) from 2015

Net Assets

Down

$2,938,155

Down $640,255 (-18%) from 2015

Liabilities

Up

$34,580,603

Up $702,700 (+2.1%) from 2015

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin1st percentile

Revenue

Down

$1,821,535

Down $34,867 (-1.9%) from 2015

Expenses

Up

$2,262,893

Up $31,375 (+1.4%) from 2015

Net Income

Down

-$441,358

Down $66,242 (-18%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2016

Assets$37,518,758
Liabilities$34,580,603
Net Assets$2,938,155
Open 2016 Filing

Operations Trend

Revenue Growth15th 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

2016

Revenue$1,821,535
Expenses$2,262,893
Net Income-$441,358
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 13, 2017
Return Version
2016v3.0
Gross Receipts
$5,550,725
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 Other Securities$15,858,484$17,639,215▲ $1,780,731
Other Notes and Loans Receivable, Net$16,028,570$14,202,119▼ $1,826,451
Savings and Temporary Cash Investments$2,938,554$3,225,988▲ $287,434
Rtn Earn Endowment Incm Other Fnds$3,578,410$2,938,155▼ $640,255
Land, Buildings, and Equipment, Net$1,224,059$1,188,706▼ $35,353
Cash and Non-Interest-Bearing Accounts$537,515$464,975▼ $72,540
Prepaid Expenses and Deferred Charges$90,127$83,069▼ $7,058
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,456,313$37,518,758▲ $62,445
Other Assets Total$779,004$714,686▼ $64,318
Liabilities
Other Liabilities$30,989,848$31,759,753▲ $769,905
Mortgage Notes Payable Secured by Investment Property$2,720,513$2,720,000▼ $513
Accounts Payable and Accrued Expenses$163,694$97,514▼ $66,180
Escrow Account Liability$3,848$3,336▼ $512
Total Liabilities$33,877,903$34,580,603▲ $702,700
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,578,410$2,938,155▼ $640,255
Total Liabilities and Net Assets / Fund Balance$37,456,313$37,518,758▲ $62,445

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$891,483$250,999$1,142,482
Equipment$297,223$652,243$949,466
Other Securities$14,837,884--
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donald CunninghamCEOFT$104,360$5,000$109,360
Charley PhebusCFOFT$70,792$3,068$73,860

Board Members and Trustees

NameTitle
Andromeda HortonChairman
Joyce AddisonVice Chairman
John HeadDirector
Trinetta TaylorSecretary
Lucille SlaterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,471,607
Investment Income
$340,747
Other Revenue
$9,181
Change in Net Assets
$-441,358

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,821,535
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,821,535
Total Revenue per Form 990
$1,821,535
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,542,596
Salaries, Compensation, and Employee Benefits$720,297
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$442,648
Office Expenses---$370,561
Current Officers, Directors, Trustees, and Key Employees---$183,220
Information Technology---$113,100
Depreciation Depletion---$109,173
Occupancy---$109,084
Advertising---$90,589
Payroll Taxes---$50,695
Insurance---$40,019
Other Employee Benefits---$34,905
Fees for Services Accounting---$27,608
Interest---$27,363
Other Expenses---$21,732
Fees for Services Other---$18,626
All Other Expenses---$17,017
Pension Plan Contributions---$8,829
Fees for Services Legal---$6,082
Conferences and Meetings---$2,593
Total Functional Expenses$0$0$0$2,262,893

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,262,893
Total Expenses per Audited Statements$2,262,893
Total Expenses per Form 990$2,262,893
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$31,759,753
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 tax year.”

Form 990, Part VI, Section B, Line 11B

“The ceo reviews the form 990 before filing.”

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 ceo's performance and determines compensation based on a written employment contract and cuna salary survey. All other management compensation is determined by the ceo, 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
Jason Peach
Title
CEO-west Community Credit Union
Phone
6367202400
Signed
2017-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jason Peach
Formed
1956
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
23
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 Appendix386 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 2,080 LOANS OUTSTANDING TOTALING $14,616,491.
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IRS990/PYProgramServiceRevenueAmt01578547
IRS990/PYRevenuesLessExpensesAmt0-375116
IRS990/PYSalariesCompEmpBnftPaidAmt0732416
IRS990/PYTotalExpensesAmt02231518
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01856402
IRS990/ReconcilationRevenueExpnssAmt0-441358
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt09181
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09181
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03578410
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02938155
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02938554
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03225988
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0297223
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0652243
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0949466
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02262893
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0891483
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0250999
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt01142482
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031759753
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0153800
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12647531
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt214837884
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AFS-FEDERAL AGENCY SEC
IRS990ScheduleD/OtherSecuritiesGrp/Desc2AFS-MTGE-BACKED SEC
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01821535
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/TotalBookValueLandBuildingsAmt01188706
IRS990ScheduleD/TotalBookValueSecuritiesAmt017639215
IRS990ScheduleD/TotalExpensesPerForm990Amt02262893
IRS990ScheduleD/TotalLiabilityAmt031759753
IRS990ScheduleD/TotalRevenuePerForm990Amt01821535
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01821535
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02262893
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 TAX YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO REVIEWS THE FORM 990 BEFORE FILING.
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 CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A WRITTEN EMPLOYMENT CONTRACT AND CUNA SALARY SURVEY. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE CEO, 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 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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt037456313
IRS990/TotalAssetsEOYAmt037518758
IRS990/TotalAssetsGrp/BOYAmt037456313
IRS990/TotalAssetsGrp/EOYAmt037518758
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt023
IRS990/TotalFunctionalExpensesGrp/TotalAmt02262893
IRS990/TotalGrossUBIAmt026321
IRS990/TotalLiabilitiesBOYAmt033877903
IRS990/TotalLiabilitiesEOYAmt034580603
IRS990/TotalLiabilitiesGrp/BOYAmt033877903
IRS990/TotalLiabilitiesGrp/EOYAmt034580603
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03578410
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02938155
IRS990/TotalOtherCompensationAmt08068
IRS990/TotalProgramServiceRevenueAmt01471607
IRS990/TotalReportableCompFromOrgAmt0175152
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01795214
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01821535
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt026321
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037456313
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037518758
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04161 HIGHWAY K
IRS990/USAddress/CityNm0OFALLON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0633688294
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.APEXFINANCIALCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JASON PEACH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO-WEST COMMUNITY CREDIT UNION
ReturnHeader/BusinessOfficerGrp/PhoneNum06367202400
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0APEX FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0APEX
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-11-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm013:48:00
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/ReturnTs02017-11-13T13:48:13-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$37,518,758
Liabilities
$34,580,603
Net assets
$2,938,155
Revenue
$1,821,535
Expenses
$2,262,893
Net income
-$441,358
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