Civic Intelligence

Jeffco Credit Union

EIN 43-1045083 • 501(c)14 • Festus, MO

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.

1200 E GannonFestus, MO 63028-2614

www.jeffcocu.org

Siviq Scores

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

Liabilities / Assets

74th percentile

0.90x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

88th percentile

28.78x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

25th percentile

-4.3%

Higher net margin than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

92nd percentile

11%

Faster asset growth than 92% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

31st percentile

2.1%

Faster revenue growth than 31% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$13,048,394

Up $1,247,576 (+11%) from 2013

Liabilities

Up

$11,754,496

Up $1,265,244 (+12%) from 2013

Net Assets

Down

$1,293,898

Down $17,668 (-1.3%) from 2013

Operations
Liabilities / Revenue88th percentileNet Margin25th percentile

Revenue

Up

$408,417

Up $8,502 (+2.1%) from 2013

Expenses

Up

$426,085

Up $27,674 (+6.9%) from 2013

Net Income

Down

-$17,668

Down $19,172 (-1275%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth92nd percentile

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

$15M$10M$5.0M$0Assets 2010: $9,621,985Liabilities 2010: $8,334,433Net Assets 2010: $1,287,5522010Assets 2011: $10,741,223Liabilities 2011: $9,448,833Net Assets 2011: $1,292,3902011Assets 2012: $11,396,052Liabilities 2012: $10,085,990Net Assets 2012: $1,310,0622012Assets 2013: $11,800,818Liabilities 2013: $10,489,252Net Assets 2013: $1,311,5662013Assets 2014: $13,048,394Liabilities 2014: $11,754,496Net Assets 2014: $1,293,8982014

Highlighted filing

2014

Assets$13,048,394
Liabilities$11,754,496
Net Assets$1,293,898
Open 2014 Filing

Operations Trend

Revenue Growth31st percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $453,8662010Expenses 2011: $421,2812011Expenses 2012: $398,4732012Revenue 2013: $399,915Expenses 2013: $398,411Net Income 2013: $1,5042013Revenue 2014: $408,417Expenses 2014: $426,085Net Income 2014: -$17,6682014

Highlighted filing

2014

Revenue$408,417
Expenses$426,085
Net Income-$17,668
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$13,048,394
Liabilities
$11,754,496
Net assets
$1,293,898
Revenue
$408,417
Expenses
$426,085
Net income
-$17,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$13.0$11.8$1.29$0.41$0.43$0.02
2013Detailed filing. Detailed filing data is available for this year.$11.8$10.5$1.31$0.40$0.40$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.4$10.1$1.31$0.40
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$9.45$1.29$0.42
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.62$8.33$1.29$0.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 18, 2015
Return Version
2014v5.0
Gross Receipts
$408,417
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$6,253,779$7,269,825▲ $1,016,046
Other Notes and Loans Receivable, Net$4,790,346$5,047,888▲ $257,542
Rtn Earn Endowment Incm Other Fnds$1,311,566$1,293,898▼ $17,668
Cash and Non-Interest-Bearing Accounts$342,998$332,518▼ $10,480
Land, Buildings, and Equipment, Net$279,913$268,563▼ $11,350
Prepaid Expenses and Deferred Charges$8,371$2,298▼ $6,073
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,800,818$13,048,394▲ $1,247,576
Other Assets Total$125,411$127,302▲ $1,891
Liabilities
Other Liabilities$10,454,550$11,684,118▲ $1,229,568
Accounts Payable and Accrued Expenses$34,702$70,378▲ $35,676
Total Liabilities$10,489,252$11,754,496▲ $1,265,244
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,311,566$1,293,898▼ $17,668
Total Liabilities and Net Assets / Fund Balance$11,800,818$13,048,394▲ $1,247,576

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$139,569$114,885$254,454
Equipment$28,994$134,824$163,818
Land$100,000-$100,000
Other Land Buildings$0$4,606$4,606
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donna BluePresidentFT$60,514$11,590$72,104

Board Members and Trustees

NameTitle
Philip KirklandChairman
Henry Cords JrVice Chairman
Brandon ShorttDirector
Jerry VinyardDirector
Mark LaibenDirector
Stephen GovreauDirector
Lawrence BoothSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$309,576
Investment Income
$88,119
Other Revenue
$10,722
Change in Net Assets
$-17,668
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$226,014
Salaries, Compensation, and Employee Benefits$200,071
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$102,917
Current Officers, Directors, Trustees, and Key Employees---$72,104
Office Expenses---$52,645
Information Technology---$23,474
Occupancy---$23,459
Depreciation Depletion---$20,523
All Other Expenses---$18,755
Insurance---$15,898
Payroll Taxes---$13,208
Other Expenses---$9,631
Fees for Services Accounting---$8,290
Fees for Services Other---$8,116
Other Employee Benefits---$6,695
Pension Plan Contributions---$5,147
Fees for Services Legal---$424
Advertising---$365
Conferences and Meetings---$231
Total Functional Expenses$0$0$0$426,085
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$11,684,118
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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 2

“Jerry vinyard, director, is the son of mary vinyard, supervisory committee member.”

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

“Significant changes such as changes to bylaws and mergers are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section A, line 8B

“All meetings of the board of directors are documented as required. Formal minutes are not published for other committees.”

Form 990, Part VI, Section B, line 11

“The president reviews details of the 990 before presenting it to the board of directors.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves the president's compensation based on performance appraisal, achievement of goals, etc. Similarly, the president reviews and approves the compensation for all other employees and presents it as part of the budget package to the board 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
Jeffco Credit Union
EIN
43-1045083
Phone
6369317144
Address
1200 E GANNON, FESTUS, MO 63028-2614

Signing Officer

Name
Donna Blue
Title
President
Phone
6369317144
Signed
2015-03-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Donna Blue
Formed
1975
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
10

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
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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/TitleTxt3DIRECTOR
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JERRY VINYARD, DIRECTOR, IS THE SON OF MARY VINYARD, SUPERVISORY COMMITTEE MEMBER.
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/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL MEETINGS OF THE BOARD OF DIRECTORS ARE DOCUMENTED AS REQUIRED. FORMAL MINUTES ARE NOT PUBLISHED FOR OTHER COMMITTEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT REVIEWS DETAILS OF THE 990 BEFORE PRESENTING IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION BASED ON PERFORMANCE APPRAISAL, ACHIEVEMENT OF GOALS, ETC. SIMILARLY, THE PRESIDENT REVIEWS AND APPROVES THE COMPENSATION FOR ALL OTHER EMPLOYEES AND PRESENTS IT AS PART OF THE BUDGET PACKAGE TO THE BOARD 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 2
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 A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 11
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/TotalAssetsBOYAmt011800818
IRS990/TotalAssetsEOYAmt013048394
IRS990/TotalAssetsGrp/BOYAmt011800818
IRS990/TotalAssetsGrp/EOYAmt013048394
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0426085
IRS990/TotalGrossUBIAmt02590
IRS990/TotalLiabilitiesBOYAmt010489252
IRS990/TotalLiabilitiesEOYAmt011754496
IRS990/TotalLiabilitiesGrp/BOYAmt010489252
IRS990/TotalLiabilitiesGrp/EOYAmt011754496
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01311566
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01293898
IRS990/TotalOtherCompensationAmt011590
IRS990/TotalProgramServiceRevenueAmt0309576
IRS990/TotalReportableCompFromOrgAmt060514
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0405827
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0408417
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02590
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011800818
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013048394
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01200 E GANNON
IRS990/USAddress/CityNm0FESTUS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063028
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.JEFFCOCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DONNA BLUE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06369317144
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JEFFCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0JEFF
ReturnHeader/Filer/EIN0431045083
ReturnHeader/Filer/PhoneNum06369317144
ReturnHeader/Filer/USAddress/AddressLine1Txt01200 E GANNON
ReturnHeader/Filer/USAddress/CityNm0FESTUS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0630282614
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/ReturnTs02015-03-16T16:00:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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