Civic Intelligence

Jeffco Credit Union

990 • Fiscal year 2013 • EIN 43-1045083

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 25, 2014

Organization ProfileWWW.JEFFCOCU.ORG
1200 E Gannon63028

(636) 931-7144

Siviq Scores

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

Liabilities / Assets

67th percentile

0.89x

Higher debt load relative to assets than 67% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

78th percentile

26.23x

Higher debt load relative to revenue than 78% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

33rd percentile

0.4%

Higher net margin than 33% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

66th percentile

3.6%

Faster asset growth than 66% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$11,800,818

Up $404,766 (+3.6%) from 2012

Net Assets

Up

$1,311,566

Up $1,504 (+0.1%) from 2012

Liabilities

Up

$10,489,252

Up $403,262 (+4.0%) from 2012

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin33rd percentile

Revenue

$399,915

No earlier filing loaded for comparison.

Expenses

Down

$398,411

Down $62 (-0.0%) from 2012

Net Income

$1,504

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$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

2013

Assets$11,800,818
Liabilities$10,489,252
Net Assets$1,311,566
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$399,915
Expenses$398,411
Net Income$1,504
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 25, 2014
Return Version
2013v3.0
Gross Receipts
$399,915
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$5,689,073$6,253,779▲ $564,706
Other Notes and Loans Receivable, Net$4,953,985$4,790,346▼ $163,639
Rtn Earn Endowment Incm Other Fnds$1,310,062$1,311,566▲ $1,504
Cash and Non-Interest-Bearing Accounts$346,587$342,998▼ $3,589
Land, Buildings, and Equipment, Net$278,148$279,913▲ $1,765
Prepaid Expenses and Deferred Charges$7,993$8,371▲ $378
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,396,052$11,800,818▲ $404,766
Other Assets Total$120,266$125,411▲ $5,145
Liabilities
Other Liabilities$10,072,501$10,454,550▲ $382,049
Accounts Payable and Accrued Expenses$13,489$34,702▲ $21,213
Total Liabilities$10,085,990$10,489,252▲ $403,262
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,310,062$1,311,566▲ $1,504
Total Liabilities and Net Assets / Fund Balance$11,396,052$11,800,818▲ $404,766

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$148,580$105,874$254,454
Equipment$31,333$137,497$168,830
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$59,372$11,496$70,868

Board Members and Trustees

NameTitle
Mark LaibenChairman
Jerry VinyardVice Chairman
Brandon ShorttDirector
Henry Cords JrDirector
Judy LeittermanDirector
Philip KirklandDirector
Stephen GovreauDirector
Lawrence BoothSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$319,011
Investment Income
$76,232
Other Revenue
$4,672
Change in Net Assets
$1,504
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$200,602
Salaries, Compensation, and Employee Benefits$197,809
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$102,497
Office Expenses---$71,259
Current Officers, Directors, Trustees, and Key Employees---$70,868
Occupancy---$22,759
All Other Expenses---$21,442
Depreciation Depletion---$19,211
Insurance---$14,641
Payroll Taxes---$12,943
Fees for Services Other---$9,474
Fees for Services Accounting---$7,960
Other Employee Benefits---$6,844
Pension Plan Contributions---$4,657
Advertising---$1,280
Fees for Services Legal---$661
Conferences and Meetings---$231
Other Expenses---$-2,271
Total Functional Expenses$0$0$0$398,411
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$10,454,550
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, board vice chairman, 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

EIN
43-1045083
Phone
6369317144

Signing Officer

Name
Donna Blue
Title
President
Phone
6369317144
Signed
2014-02-25
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
6
Volunteers
10

Preparer

Phone
3142058601
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
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IRS990/OfficeExpensesGrp/TotalAmt071259
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IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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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, 2013, THERE WERE 571 LOANS OUTSTANDING TOTALING $4,801,606.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $19,058 FOR THE YEAR.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JERRY VINYARD, BOARD VICE CHAIRMAN, 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
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IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011396052
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IRS990/USAddress/City0FESTUS
IRS990/USAddress/State0MO
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
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ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-25
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ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063028
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
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ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-02-25T15:40:36-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,800,818
Liabilities
$10,489,252
Net assets
$1,311,566
Revenue
$399,915
Expenses
$398,411
Net income
$1,504
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