Civic Intelligence

Southwest Counties School Employee

EIN 43-1649717 • 501(c)14 • Neosho, MO

Profile

To be a credible financial resource to the local school employees in the field of membership

214 S Neosho Blvd Suite BNeosho, MO 64850

www.swcsecu.com

Siviq Scores

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

Liabilities / Assets

88th percentile

0.90x

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

501(c)14 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

83rd percentile

19.49x

Higher debt load relative to revenue than 83% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

94th percentile

29%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

32nd percentile

$23,730

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 28.4% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

69th percentile

-3.3%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

100th percentile

37%

Faster revenue growth than 100% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$1,801,293

Down $60,724 (-3.3%) from 2022

Liabilities

Down

$1,629,173

Down $58,131 (-3.4%) from 2022

Net Assets

Down

$172,120

Down $2,593 (-1.5%) from 2022

Operations
Liabilities / Revenue83rd percentileNet Margin94th percentile

Revenue

Up

$83,588

Up $22,747 (+37%) from 2022

Expenses

Up

$59,317

Up $5,890 (+11%) from 2022

Net Income

Up

$24,271

Up $16,857 (+227%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $1,512,199Liabilities 2011: $7,162Net Assets 2011: $1,505,0372011Assets 2012: $1,807,894Liabilities 2012: $10,269Net Assets 2012: $1,797,6252012Assets 2013: $1,889,581Liabilities 2013: $6,147Net Assets 2013: $1,883,4342013Assets 2014: $2,095,765Liabilities 2014: $5,040Net Assets 2014: $2,090,7252014Assets 2015: $2,083,092Liabilities 2015: $4,556Net Assets 2015: $2,078,5362015Assets 2016: $2,044,381Liabilities 2016: $5,297Net Assets 2016: $2,039,0842016Assets 2017: $1,929,589Liabilities 2017: $1,775,564Net Assets 2017: $154,0252017Assets 2018: $1,947,373Liabilities 2018: $1,784,719Net Assets 2018: $162,6542018Assets 2019: $1,666,392Liabilities 2019: $1,496,286Net Assets 2019: $170,1062019Assets 2020: $1,712,226Liabilities 2020: $1,534,157Net Assets 2020: $178,0692020Assets 2021: $1,798,905Liabilities 2021: $1,631,606Net Assets 2021: $167,2992021Assets 2022: $1,862,017Liabilities 2022: $1,687,304Net Assets 2022: $174,7132022Assets 2023: $1,801,293Liabilities 2023: $1,629,173Net Assets 2023: $172,1202023

Highlighted filing

2023

Assets$1,801,293
Liabilities$1,629,173
Net Assets$172,120
Open 2023 Filing

Operations Trend

Revenue Growth100th percentile

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

$100K$50K$0-$50KExpenses 2011: $64,4132011Expenses 2012: $73,8532012Revenue 2013: $73,783Expenses 2013: $73,031Net Income 2013: $7522013Revenue 2014: $67,620Expenses 2014: $60,954Net Income 2014: $6,6662014Revenue 2015: $65,932Expenses 2015: $58,237Net Income 2015: $7,6952015Revenue 2016: $64,820Expenses 2016: $58,414Net Income 2016: $6,4062016Revenue 2017: $69,841Expenses 2017: $59,939Net Income 2017: $9,9022017Revenue 2018: $70,971Expenses 2018: $62,342Net Income 2018: $8,6292018Revenue 2019: $66,027Expenses 2019: $58,575Net Income 2019: $7,4522019Revenue 2020: $65,377Expenses 2020: $57,414Net Income 2020: $7,9632020Revenue 2021: $53,686Expenses 2021: $63,956Net Income 2021: -$10,2702021Revenue 2022: $60,841Expenses 2022: $53,427Net Income 2022: $7,4142022Revenue 2023: $83,588Expenses 2023: $59,317Net Income 2023: $24,2712023

Highlighted filing

2023

Revenue$83,588
Expenses$59,317
Net Income$24,271
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,801,293
Liabilities
$1,629,173
Net assets
$172,120
Revenue
$83,588
Expenses
$59,317
Net income
$24,271
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$1.80$1.63$0.17$0.08$0.06$0.02
2022Detailed filing. Detailed filing data is available for this year.$1.86$1.69$0.17$0.06$0.05$0.01
2021Detailed filing. Detailed filing data is available for this year.$1.80$1.63$0.17$0.05$0.06$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.71$1.53$0.18$0.07$0.06$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.67$1.50$0.17$0.07$0.06$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.95$1.78$0.16$0.07$0.06$0.01
2017Detailed filing. Detailed filing data is available for this year.$1.93$1.78$0.15$0.07$0.06$0.01
2016Detailed filing. Detailed filing data is available for this year.$2.04$0.01$2.04$0.06$0.06$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.08$0.00$2.08$0.07$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$2.10$0.01$2.09$0.07$0.06$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.89$0.01$1.88$0.07$0.07$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.81$0.01$1.80$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.51$0.01$1.51$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 6, 2024
Return Version
2023v5.0
Gross Receipts
$83,588
Mission and Program Overview

Mission

To be a credible financial resource to the local school employees in the field of membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,054,810$1,157,280▲ $102,470
Savings and Temporary Cash Investments$436,114$276,019▼ $160,095
Receivables From Officers Etc$231,801$240,796▲ $8,995
Rtn Earn Endowment Incm Other Fnds$174,713$172,120▼ $2,593
Cash and Non-Interest-Bearing Accounts$105,851$108,824▲ $2,973
Prepaid Expenses and Deferred Charges$3,254$1,781▼ $1,473
Total Assets$1,862,017$1,801,293▼ $60,724
Other Assets Total$30,187$16,593▼ $13,594
Liabilities
Other Liabilities$1,682,482$1,619,735▼ $62,747
Accounts Payable and Accrued Expenses$4,822$9,438▲ $4,616
Total Liabilities$1,687,304$1,629,173▼ $58,131
Net Assets / Fund Balance
Total Net Assets Fund Balance$174,713$172,120▼ $2,593
Total Liabilities and Net Assets / Fund Balance$1,862,017$1,801,293▼ $60,724
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pamela KingPresident/trPT$23,730$23,730

Board Members and Trustees

NameTitle
Tom MarrsChairman
Tamara KesterChairman CRE
Preston WrightChairman Sup
Elizabeth WebsterVice Chair
Beth ReynoldsBoard Member
JOY O'TOOLEBoard Member
Barbara BurnettCredit Commi
Katherine CollierCredit Commi
Kathy KronkowCredit Commi
Manny DerryberryCredit Commi
Sarah Jean KellyCredit Commi
Linda JamesSecretary
Rebecca JohnsonSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$83,588
Other Revenue
$0
Change in Net Assets
$24,271
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,522
Salaries, Compensation, and Employee Benefits$25,550
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$23,730
Office Expenses---$8,667
Occupancy---$5,821
Benefits to Members---$5,245
Fees for Services Legal---$4,418
Payroll Taxes---$1,820
Other Expenses---$1,000
All Other Expenses---$770
Total Functional Expenses$0$0$0$59,317
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$231,801$240,796▲ $8,995
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,551,706
Regular Reserves$49,256
Savings$15,200
Reserve for Contingencies$3,573
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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

Form 990, Page 6, Part VI, Line 6

“Members have shares (money) in the credit union, that is in turn invested (loaned) to other members in need.”

Form 990, Page 6, Part VI, Line 11B

“Board reviews form 990 at next regularly scheduled meeting.”

Form 990, Page 6, Part VI, Line 19

“The credit union has a website as well as offering reviews of records upon request.”

Filing and Contact Details

Filer

Filer Name
Southwest Counties School Employee
EIN
43-1649717
Phone
4174513051
Address
214 S NEOSHO BLVD SUITE B, NEOSHO, MO 64850

Signing Officer

Name
Pamela King
Title
President/treasurer
Phone
4174513051
Signed
2024-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Pamela King
Formed
1993
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
0
Employees
1
Volunteers
13

Preparer

Firm
Underwood & Associates Pc
Address
335 S WOOD ST, NEOSHO, MO 64850
Preparer
Debra Underwood CPA
Phone
4174515749
Raw XML AppendixShowing 400 of 493 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt132019 JAYCO 27 TRA
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