Civic Intelligence

Arch Community Credit Union

EIN 43-0789648 • 501(c)14 • St Louis, MO

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Profile

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

515 OLIVE STREET No 104St Louis, MO 63101-1831

www.archccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

77th percentile

20.71x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

8th percentile

-22%

Higher net margin than 8% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

41st percentile

$74,339

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 15.7% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

13th percentile

-7.2%

Faster asset growth than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

11th percentile

-7.3%

Faster revenue growth than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$10,671,217

Down $825,381 (-7.2%) from 2015

Liabilities

Down

$9,800,431

Down $723,225 (-6.9%) from 2015

Net Assets

Down

$870,786

Down $102,156 (-10%) from 2015

Operations
Liabilities / Revenue77th percentileNet Margin8th percentile

Revenue

Down

$473,336

Down $37,523 (-7.3%) from 2015

Expenses

Down

$575,492

Down $11,518 (-2.0%) from 2015

Net Income

Down

-$102,156

Down $26,005 (-34%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $12,050,173Liabilities 2010: $10,869,478Net Assets 2010: $1,180,6952010Assets 2011: $11,401,669Liabilities 2011: $10,248,543Net Assets 2011: $1,153,1262011Assets 2012: $11,704,171Liabilities 2012: $10,524,676Net Assets 2012: $1,179,4952012Assets 2013: $11,596,225Liabilities 2013: $10,495,935Net Assets 2013: $1,100,2902013Assets 2014: $11,559,206Liabilities 2014: $10,510,113Net Assets 2014: $1,049,0932014Assets 2015: $11,496,598Liabilities 2015: $10,523,656Net Assets 2015: $972,9422015Assets 2016: $10,671,217Liabilities 2016: $9,800,431Net Assets 2016: $870,7862016

Highlighted filing

2016

Assets$10,671,217
Liabilities$9,800,431
Net Assets$870,786
Open 2016 Filing

Operations Trend

Revenue Growth11th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $771,9142010Expenses 2011: $744,2872011Expenses 2012: $689,5152012Revenue 2013: $639,182Expenses 2013: $718,387Net Income 2013: -$79,2052013Revenue 2014: $596,572Expenses 2014: $596,423Net Income 2014: $1492014Revenue 2015: $510,859Expenses 2015: $587,010Net Income 2015: -$76,1512015Revenue 2016: $473,336Expenses 2016: $575,492Net Income 2016: -$102,1562016

Highlighted filing

2016

Revenue$473,336
Expenses$575,492
Net Income-$102,156
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$10,671,217
Liabilities
$9,800,431
Net assets
$870,786
Revenue
$473,336
Expenses
$575,492
Net income
-$102,156
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$10.7$9.80$0.87$0.47$0.58$0.10
2015Detailed filing. Detailed filing data is available for this year.$11.5$10.5$0.97$0.51$0.59$0.08
2014Detailed filing. Detailed filing data is available for this year.$11.6$10.5$1.05$0.60$0.60$0.00
2013Detailed filing. Detailed filing data is available for this year.$11.6$10.5$1.10$0.64$0.72$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$10.5$1.18$0.69
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.4$10.2$1.15$0.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.1$10.9$1.18$0.77
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$473,336
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
Savings and Temporary Cash Investments$8,067,885$6,794,858▼ $1,273,027
Other Notes and Loans Receivable, Net$3,142,558$3,542,297▲ $399,739
Rtn Earn Endowment Incm Other Fnds$972,942$870,786▼ $102,156
Cash and Non-Interest-Bearing Accounts$82,910$144,495▲ $61,585
Land, Buildings, and Equipment, Net$55,058$45,382▼ $9,676
Prepaid Expenses and Deferred Charges$7,711$6,666▼ $1,045
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,496,598$10,671,217▼ $825,381
Other Assets Total$140,476$137,519▼ $2,957
Liabilities
Other Liabilities$10,250,271$9,733,348▼ $516,923
Accounts Payable and Accrued Expenses$273,385$67,083▼ $206,302
Total Liabilities$10,523,656$9,800,431▼ $723,225
Net Assets / Fund Balance
Total Net Assets Fund Balance$972,942$870,786▼ $102,156
Total Liabilities and Net Assets / Fund Balance$11,496,598$10,671,217▼ $825,381

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$14,325$66,845$81,170
Leasehold Improvements$31,057$8,844$39,901
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eunice CollinsPresidentFT$61,000$13,339$74,339

Board Members and Trustees

NameTitle
Fred MalyChairman
Diane HildebrandVice Chairman
Carol Jolly MooreBoard Member
Don LeongBoard Member
Mir AliBoard Member
Susan MerkelBoard Member
Mary ThomasSecretary
John SandersTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$399,246
Investment Income
$70,490
Other Revenue
$3,600
Change in Net Assets
$-102,156
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$393,492
Salaries, Compensation, and Employee Benefits$182,000
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$157,342
Other Salaries and Wages---$76,490
Current Officers, Directors, Trustees, and Key Employees---$74,339
Occupancy---$48,709
Office Expenses---$31,873
Information Technology---$27,948
Insurance---$14,157
Depreciation Depletion---$13,649
Other Employee Benefits---$10,866
Payroll Taxes---$10,587
Fees for Services Accounting---$9,908
Pension Plan Contributions---$9,718
Other Expenses---$9,273
Advertising---$8,178
Fees for Services Legal---$1,069
Conferences and Meetings---$61
All Other Expenses---$56
Total Functional Expenses$0$0$0$575,492
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$9,733,348
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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

“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 11B

“The president reviews the form 990 and provides a copy to the board members.”

Form 990, Part VI, Section B, line 15

“The personnel committee sets all compensation and presents it to the board as part of the budget approval process. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“The ncua website posts various information, including financial statements as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Arch Community Credit Union
EIN
43-0789648
Phone
3142412979
Address
515 OLIVE STREET No 104, ST LOUIS, MO 63101-1831

Signing Officer

Name
Eunice Collins
Title
President
Phone
3142412979
Signed
2017-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eunice Collins
Formed
1935
Legal Domicile
Mo
Voting Board Members
8
Independent Board Members
8
Employees
4
Volunteers
11

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 IX, line 11G

“Shared branching 36,541. Icul/certegy visa check card 28,680. Cirrus/co-op fees 25,655. Home banking & bill pay 19,657. Atm cards & transaction fees 23,928. All other fees 22,881.”

Raw XML Appendix351 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/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
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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 653 LOANS OUTSTANDING TOTALING $3,579,537.
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IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt031057
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt08844
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt039901
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09733348
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt045382
IRS990ScheduleD/TotalLiabilityAmt09733348
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 PRESIDENT REVIEWS THE FORM 990 AND PROVIDES A COPY TO THE BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PERSONNEL COMMITTEE SETS ALL COMPENSATION AND PRESENTS IT TO THE BOARD AS PART OF THE BUDGET APPROVAL PROCESS. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE NCUA WEBSITE POSTS VARIOUS INFORMATION, INCLUDING FINANCIAL STATEMENTS AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SHARED BRANCHING 36,541. ICUL/CERTEGY VISA CHECK CARD 28,680. CIRRUS/CO-OP FEES 25,655. HOME BANKING & BILL PAY 19,657. ATM CARDS & TRANSACTION FEES 23,928. ALL OTHER FEES 22,881.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011496598
IRS990/TotalAssetsEOYAmt010671217
IRS990/TotalAssetsGrp/BOYAmt011496598
IRS990/TotalAssetsGrp/EOYAmt010671217
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0575492
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010523656
IRS990/TotalLiabilitiesEOYAmt09800431
IRS990/TotalLiabilitiesGrp/BOYAmt010523656
IRS990/TotalLiabilitiesGrp/EOYAmt09800431
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0972942
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0870786
IRS990/TotalOtherCompensationAmt013339
IRS990/TotalProgramServiceRevenueAmt0399246
IRS990/TotalReportableCompFromOrgAmt061000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0473336
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0473336
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011496598
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010671217
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0515 OLIVE STREET No 104
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631011831
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.ARCHCCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0EUNICE COLLINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03142412979
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARCH COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARCH
ReturnHeader/Filer/EIN0430789648
ReturnHeader/Filer/PhoneNum03142412979
ReturnHeader/Filer/USAddress/AddressLine1Txt0515 OLIVE STREET No 104
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631011831
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:42:46
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/ReturnTs02017-05-10T11:43:02-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

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