Civic Intelligence

Jeffco Credit Union

990EZ • Fiscal year 2014 • EIN 43-1045083

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 18, 2015

Organization ProfileWWW.JEFFCOCU.ORG
1200 E GannonFestus, MO 63028-2614

(636) 931-7144

Siviq Scores

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

Liabilities / Assets

77th percentile

0.90x

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

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

Liabilities / Revenue

84th percentile

28.78x

Higher debt load relative to revenue than 84% of similar nonprofits.

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

Net Margin

16th percentile

-4.3%

Higher net margin than 16% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

93rd percentile

11%

Faster asset growth than 93% of similar nonprofits.

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

Revenue Growth

63rd percentile

2.1%

Faster revenue growth than 63% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$13,048,394

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

Net Assets

Down

$1,293,898

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

Liabilities

Up

$11,754,496

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

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin16th 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

Historical Trend

Balance Sheet Trend

Asset Growth93rd 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

2014

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

Operations Trend

Revenue Growth63rd percentile

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

2014

Revenue$408,417
Expenses$426,085
Net Income-$17,668
Open 2014 Filing
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
Raw XML Appendix346 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.

Path#Value
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IRS990/AdvertisingGrp/TotalAmt0365
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0DONNA BLUE
IRS990/BooksInCareOfDetail/PhoneNum06369317144
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01975
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0408417
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
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IRS990/InformationTechnologyGrp/TotalAmt023474
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IRS990/InvestmentInJointVentureInd00
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IRS990/LocalChaptersInd00
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IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01311566
IRS990/NetAssetsOrFundBalancesEOYAmt01293898
IRS990/NetUnrelatedBusTxblIncmAmt0-6288
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt023459
IRS990/OfficeExpensesGrp/TotalAmt052645
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt0127302
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt06695
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
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IRS990/OtherExpensesGrp/TotalAmt39631
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrincipalOfficerNm0DONNA BLUE
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0394
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt12196
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 566 LOANS OUTSTANDING TOTALING $5,059,447.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $16,090 FOR THE YEAR.
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0134824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0163818
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04606
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04606
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0268563
IRS990ScheduleD/TotalLiabilityAmt011684118
IRS990/ScheduleJRequiredInd00
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
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IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011800818
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IRS990/TotalProgramServiceRevenueAmt0309576
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IRS990/USAddress/CityNm0FESTUS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063028
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IRS990/WebsiteAddressTxt0WWW.JEFFCOCU.ORG
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06369317144
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-18
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
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ReturnHeader/ReturnTs02015-03-16T16:00:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed 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