Civic Intelligence

Arch Community Credit Union

990 • Fiscal year 2015 • EIN 43-0789648

Jan 01, 2015 to Dec 31, 2015 • Filed on May 31, 2016

Organization ProfileWWW.ARCHCCU.COM

View Organization Page

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

(314) 241-2979

Siviq Scores

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

Liabilities / Assets

87th percentile

0.92x

Higher debt load relative to assets than 87% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

51st percentile

20.60x

Higher debt load relative to revenue than 51% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

6th percentile

-15%

Higher net margin than 6% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

50th percentile

$72,793

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 14.2% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

24th percentile

-0.5%

Faster asset growth than 24% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

3rd percentile

-14%

Faster revenue growth than 3% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets87th percentile

Assets

Down

$11,496,598

Down $62,608 (-0.5%) from 2014

Net Assets

Down

$972,942

Down $76,151 (-7.3%) from 2014

Liabilities

Up

$10,523,656

Up $13,543 (+0.1%) from 2014

Revenue And Expenses
Liabilities / Revenue51st percentileNet Margin6th percentile

Revenue

Down

$510,859

Down $85,713 (-14%) from 2014

Expenses

Down

$587,010

Down $9,413 (-1.6%) from 2014

Net Income

Down

-$76,151

Down $76,300 (-51208%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth24th percentile

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

$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

2015

Assets$11,496,598
Liabilities$10,523,656
Net Assets$972,942
Open 2015 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$510,859
Expenses$587,010
Net Income-$76,151
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 31, 2016
Return Version
2015v2.1
Gross Receipts
$510,859
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$7,706,237$8,067,885▲ $361,648
Other Notes and Loans Receivable, Net$3,581,751$3,142,558▼ $439,193
Rtn Earn Endowment Incm Other Fnds$1,049,093$972,942▼ $76,151
Cash and Non-Interest-Bearing Accounts$114,761$82,910▼ $31,851
Land, Buildings, and Equipment, Net$8,846$55,058▲ $46,212
Prepaid Expenses and Deferred Charges$10,438$7,711▼ $2,727
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,559,206$11,496,598▼ $62,608
Other Assets Total$137,173$140,476▲ $3,303
Liabilities
Other Liabilities$10,341,556$10,250,271▼ $91,285
Accounts Payable and Accrued Expenses$168,557$273,385▲ $104,828
Total Liabilities$10,510,113$10,523,656▲ $13,543
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,049,093$972,942▼ $76,151
Total Liabilities and Net Assets / Fund Balance$11,559,206$11,496,598▼ $62,608

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,420$64,750$81,170
Leasehold Improvements$38,638$1,263$39,901
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eunice CollinsPresidentFT$60,000$12,793$72,793

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$442,708
Investment Income
$64,512
Other Revenue
$3,639
Change in Net Assets
$-76,151
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$403,193
Salaries, Compensation, and Employee Benefits$183,817
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$166,403
Other Salaries and Wages---$77,769
Current Officers, Directors, Trustees, and Key Employees---$72,793
Office Expenses---$35,291
Occupancy---$33,656
Information Technology---$29,958
Other Employee Benefits---$19,562
Insurance---$13,642
Other Expenses---$12,595
Payroll Taxes---$10,646
Fees for Services Accounting---$8,650
Advertising---$8,339
Depreciation Depletion---$4,836
Pension Plan Contributions---$3,047
Travel---$1,430
Conferences and Meetings---$1,242
Fees for Services Legal---$1,132
Total Functional Expenses$0$0$0$587,010
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$10,250,271
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
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 4

“In 2015, the board of directors approved changing the credit union's name from "laclede family savings credit union" to "arch community credit union." an amendment to the bylaws was filed with and approved by the state of missouri division of credit unions as required.”

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 president reviews the form 990 before filing.”

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
2016-05-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eunice Collins
Formed
1935
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
4
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 IX, line 11G

“Shared branching 38,973. Icul/certegy visa check card 36,574. Cirrus/co-op fees 26,696. Home banking & bill pay 22,202. Atm cards & transaction fees 13,731. All other fees 28,227.”

Raw XML Appendix354 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/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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, 2015, THERE WERE 642 LOANS OUTSTANDING TOTALING $3,173,411.
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IN 2015, THE BOARD OF DIRECTORS APPROVED CHANGING THE CREDIT UNION'S NAME FROM "LACLEDE FAMILY SAVINGS CREDIT UNION" TO "ARCH COMMUNITY CREDIT UNION." AN AMENDMENT TO THE BYLAWS WAS FILED WITH AND APPROVED BY THE STATE OF MISSOURI DIVISION OF CREDIT UNIONS AS REQUIRED.
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 PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 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/ExplanationTxt6THE 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/ExplanationTxt7SHARED BRANCHING 38,973. ICUL/CERTEGY VISA CHECK CARD 36,574. CIRRUS/CO-OP FEES 26,696. HOME BANKING & BILL PAY 22,202. ATM CARDS & TRANSACTION FEES 13,731. ALL OTHER FEES 28,227.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011559206
IRS990/TotalAssetsEOYAmt011496598
IRS990/TotalAssetsGrp/BOYAmt011559206
IRS990/TotalAssetsGrp/EOYAmt011496598
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0587010
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010510113
IRS990/TotalLiabilitiesEOYAmt010523656
IRS990/TotalLiabilitiesGrp/BOYAmt010510113
IRS990/TotalLiabilitiesGrp/EOYAmt010523656
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01049093
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0972942
IRS990/TotalOtherCompensationAmt012793
IRS990/TotalProgramServiceRevenueAmt0442708
IRS990/TotalReportableCompFromOrgAmt060000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0510859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0510859
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011559206
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011496598
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01430
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0515 OLIVE STREET No 104
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631011831
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.ARCHCCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0EUNICE COLLINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03142412979
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-31
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/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/ReturnTs02016-05-31T14:01:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,496,598
Liabilities
$10,523,656
Net assets
$972,942
Revenue
$510,859
Expenses
$587,010
Net income
-$76,151
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