Civic Intelligence

Sikeston Public Schools Credit Union

EIN 43-1327512 • 501(c)14 • Sikeston, MO

Profile

Accepting deposits for savings & providing loans to members

PO Box 1971 224A E Center StSikeston, MO 63801

n/A

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

14th percentile

0.01x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

85th percentile

18%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

50th percentile

$58,140

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 23.9% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

60th percentile

0.7%

Faster asset growth than 60% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

89th percentile

24%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$5,141,793

Down $286,101 (-5.3%) from 2022

Liabilities

Up

$3,015

Up $407 (+16%) from 2022

Net Assets

Down

$5,138,778

Down $286,508 (-5.3%) from 2022

Operations
Liabilities / Revenue14th percentileNet Margin85th percentile

Revenue

Up

$242,961

Up $88,376 (+57%) from 2022

Expenses

Up

$198,459

Up $48,714 (+33%) from 2022

Net Income

Up

$44,502

Up $39,662 (+819%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth60th percentile

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

$6.0M$4.0M$2.0M$0Assets 2017: $5,225,054Liabilities 2017: $1,749Net Assets 2017: $5,223,3052017Assets 2018: $4,910,816Liabilities 2018: $1,809Net Assets 2018: $4,909,0072018Assets 2019: $4,653,555Liabilities 2019: $3,277Net Assets 2019: $4,650,2782019Assets 2020: $4,780,217Liabilities 2020: $1,967Net Assets 2020: $4,778,2502020Assets 2021: $5,144,141Liabilities 2021: $2,806Net Assets 2021: $5,141,3352021Assets 2022: $5,427,894Liabilities 2022: $2,608Net Assets 2022: $5,425,2862022Assets 2024: $5,141,793Liabilities 2024: $3,015Net Assets 2024: $5,138,7782024

Highlighted filing

2024

Assets$5,141,793
Liabilities$3,015
Net Assets$5,138,778
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$300K$200K$100K$0Revenue 2017: $121,300Expenses 2017: $100,622Net Income 2017: $20,6782017Revenue 2018: $127,554Expenses 2018: $93,210Net Income 2018: $34,3442018Revenue 2019: $128,251Expenses 2019: $103,529Net Income 2019: $24,7222019Revenue 2020: $135,658Expenses 2020: $122,040Net Income 2020: $13,6182020Revenue 2021: $131,720Expenses 2021: $106,480Net Income 2021: $25,2402021Revenue 2022: $154,585Expenses 2022: $149,745Net Income 2022: $4,8402022Revenue 2024: $242,961Expenses 2024: $198,459Net Income 2024: $44,5022024

Highlighted filing

2024

Revenue$242,961
Expenses$198,459
Net Income$44,502
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$5,141,793
Liabilities
$3,015
Net assets
$5,138,778
Revenue
$242,961
Expenses
$198,459
Net income
$44,502
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.14$0.00$5.14$0.24$0.20$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.43$0.00$5.43$0.15$0.15$0.00
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.14$0.00$5.14$0.13$0.11$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.78$0.00$4.78$0.14$0.12$0.01
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.65$0.00$4.65$0.13$0.10$0.02
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.91$0.00$4.91$0.13$0.09$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.23$0.00$5.22$0.12$0.10$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$259,961
Mission and Program Overview

Mission

Accepting deposits for savings & providing loans to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$5,105,039$5,138,778▲ $33,739
Other Notes and Loans Receivable, Net$2,641,256$2,665,095▲ $23,839
Savings and Temporary Cash Investments$2,290,394$2,335,122▲ $44,728
Receivables From Officers Etc$112,181$78,712▼ $33,469
Cash and Non-Interest-Bearing Accounts$45,780$42,281▼ $3,499
Prepaid Expenses and Deferred Charges$5,536$5,475▼ $61
Land, Buildings, and Equipment, Net$709$359▼ $350
Total Assets$5,107,515$5,141,793▲ $34,278
Other Assets Total$11,659$14,749▲ $3,090
Liabilities
Accounts Payable and Accrued Expenses$2,476$3,015▲ $539
Total Liabilities$2,476$3,015▲ $539
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,105,039$5,138,778▲ $33,739
Total Liabilities and Net Assets / Fund Balance$5,107,515$5,141,793▲ $34,278

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$359$11,848-
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleBaseTotal
Linda BridgerPresident$58,140$58,140

Board Members and Trustees

NameTitle
Lisa LawsonBoard Chairman
Shawn NixBoard Vice-chairman
Patricia DavaultBoard Member
Melinda MillerBoard Secretary
Stephen BeydlerBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$157,608
Investment Income
$82,907
Other Revenue
$2,446
Change in Net Assets
$44,502
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$193,459
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$65,436--$65,436
Fees for Services Management$58,140--$58,140
Office Expenses$7,466--$7,466
Other Expenses$5,131--$5,131
Grants to Domestic Individuals$5,000--$5,000
Fees for Services Accounting$4,825--$4,825
Insurance$4,415--$4,415
All Other Expenses$970--$970
Depreciation Depletion$350--$350
Advertising$156--$156
Conferences and Meetings$50--$50
Total Functional Expenses$198,459$0$0$198,459
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$112,181$78,712▼ $33,469
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“ORGANIZATION HAS MEMBERS”

Member election for additional members Part VI line 7A

“Members, at annual meeting, vote on election of slate of officers.”

Form 990 governing body review Part VI line 11

“Board of directors does not review 990 before filing. Copies available in the credit union office.”

Form 990 availability to public Part VI line 18

“The 990 is available in the credit union office”

Governing documents etc available to public Part VI line 19

“All documents are available in credit union office”

Filing and Contact Details

Filer

Filer Name
Sikeston Public Schools Credit Union
EIN
43-1327512
In Care Of
% LINDA S BRIDGER
Phone
5734754545
Address
PO BOX 1971 224A E CENTER ST, SIKESTON, MO 63801

Signing Officer

Name
Linda S Bridger
Title
President
Phone
5734754545
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Formed
1978
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Firm
Linda Spitzmiller Bridger LLC
Address
P O Box A, Sikeston, MO 63801
Preparer
Linda S Bridger
Phone
5734713721
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Decrease in share deposits from members of $10,763.”

Raw XML Appendix388 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/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD VICE-CHAIRMAN
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IRS990/GrantsToOrganizationsInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt414340
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt052206
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt142194
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt215906
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt324006
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415506
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MELINDA MILLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1STEPHEN BEYDLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CRYSTIE RESSEL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CHAD KING
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CHRISTINE SPURLOCK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SUPERVISORY COMMITTE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt078712
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ORGANIZATION HAS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS, AT ANNUAL MEETING, VOTE ON ELECTION OF SLATE OF OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD OF DIRECTORS DOES NOT REVIEW 990 BEFORE FILING. COPIES AVAILABLE IN THE CREDIT UNION OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 IS AVAILABLE IN THE CREDIT UNION OFFICE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DOCUMENTS ARE AVAILABLE IN CREDIT UNION OFFICE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DECREASE IN SHARE DEPOSITS FROM MEMBERS OF $10,763.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 availability to public Part VI line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt05107515
IRS990/TotalAssetsGrp/EOYAmt05141793
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0198459
IRS990/TotalFunctionalExpensesGrp/TotalAmt0198459
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02476
IRS990/TotalLiabilitiesEOYAmt03015
IRS990/TotalLiabilitiesGrp/BOYAmt02476
IRS990/TotalLiabilitiesGrp/EOYAmt03015
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05105039
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05138778
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0198459
IRS990/TotalProgramServiceRevenueAmt0157608
IRS990/TotalReportableCompFromOrgAmt058140
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0242961
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0242961
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05107515
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05141793
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LINDA S BRIDGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05734754545
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SIKESTON PUBLIC SCHOOLS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SIKE
ReturnHeader/Filer/EIN0431327512
ReturnHeader/Filer/InCareOfNm0% LINDA S BRIDGER
ReturnHeader/Filer/PhoneNum05734754545
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1971 224A E CENTER ST
ReturnHeader/Filer/USAddress/CityNm0SIKESTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063801
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0274647338
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Linda Spitzmiller Bridger LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Sikeston
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063801
ReturnHeader/PreparerPersonGrp/PhoneNum05734713721
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LINDA S BRIDGER
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-15T11:33:07-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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