Civic Intelligence

Purina Credit Union

EIN 43-6033772 • 501(c)14 • Saint Louis, MO

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Profile

Voluntarycooperativenon-profit credit union for the purpose of encouraging thrift among its membersproviding a source of credit at fair & reasonable rates interest for the mutual benefit & general welfare of its members with the earnings

1045 Chouteau AveSaint Louis, MO 63102

www.purinacu.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

98th percentile

40.20x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

10th percentile

-12%

Higher net margin than 10% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

12th percentile

-7.0%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $25M-$50M 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 / Assets92nd percentile

Assets

Down

$43,952,937

Down $2,896,759 (-6.2%) from 2013

Liabilities

Down

$40,642,056

Down $2,816,232 (-6.5%) from 2013

Net Assets

Down

$3,310,881

Down $80,527 (-2.4%) from 2013

Operations
Liabilities / Revenue98th percentileNet Margin10th percentile

Revenue

Down

$1,074,053

Down $6,983 (-0.6%) from 2013

Expenses

Down

$1,204,716

Down $9,973 (-0.8%) from 2013

Net Income

Up

-$130,663

Up $2,990 (+2.2%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$60M$40M$20M$0Assets 2010: $46,789,030Liabilities 2010: $43,058,521Net Assets 2010: $3,730,5092010Assets 2011: $48,250,698Liabilities 2011: $44,658,604Net Assets 2011: $3,592,0942011Assets 2012: $50,364,313Liabilities 2012: $46,749,494Net Assets 2012: $3,614,8192012Assets 2013: $46,849,696Liabilities 2013: $43,458,288Net Assets 2013: $3,391,4082013Assets 2014: $43,952,937Liabilities 2014: $40,642,056Net Assets 2014: $3,310,8812014

Highlighted filing

2014

Assets$43,952,937
Liabilities$40,642,056
Net Assets$3,310,881
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,761,0212010Expenses 2011: $1,560,6962011Expenses 2012: $1,259,6222012Revenue 2013: $1,081,036Expenses 2013: $1,214,689Net Income 2013: -$133,6532013Revenue 2014: $1,074,053Expenses 2014: $1,204,716Net Income 2014: -$130,6632014

Highlighted filing

2014

Revenue$1,074,053
Expenses$1,204,716
Net Income-$130,663
Open 2014 Filing

Filings

Most recent year

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

Open filing
Assets
$43,952,937
Liabilities
$40,642,056
Net assets
$3,310,881
Revenue
$1,074,053
Expenses
$1,204,716
Net income
-$130,663
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$44.0$40.6$3.31$1.07$1.20$0.13
2013Detailed filing. Detailed filing data is available for this year.$46.8$43.5$3.39$1.08$1.21$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.4$46.7$3.61$1.26
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$44.7$3.59$1.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.8$43.1$3.73$1.76
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jan 9, 2014
Return Version
2014v5.0
Gross Receipts
$0
Mission and Program Overview

Mission

Voluntarycooperativenon-profit credit union for the purpose of encouraging thrift among its membersproviding a source of credit at fair & reasonable rates interest for the mutual benefit & general welfare of its members with the earnings

Cooperative provider of financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$27,041,929$24,031,982▼ $3,009,947
Other Notes and Loans Receivable, Net$13,023,791$13,007,591▼ $16,200
Investments in Publicly Traded Securities$5,948,641$5,820,407▼ $128,234
Rtn Earn Endowment Incm Other Fnds$3,391,408$3,310,881▼ $80,527
Cash and Non-Interest-Bearing Accounts$99,138$486,313▲ $387,175
Prepaid Expenses and Deferred Charges$201,336$107,845▼ $93,491
Accounts Receivable$60,832$52,654▼ $8,178
Land, Buildings, and Equipment, Net$28,377$26,969▼ $1,408
Total Assets$46,849,696$43,952,937▼ $2,896,759
Other Assets Total$445,652$419,176▼ $26,476
Liabilities
Other Liabilities$43,363,712$40,607,625▼ $2,756,087
Accounts Payable and Accrued Expenses$94,576$34,431▼ $60,145
Total Liabilities$43,458,288$40,642,056▼ $2,816,232
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,391,408$3,310,881▼ $80,527
Total Liabilities and Net Assets / Fund Balance$46,849,696$43,952,937▼ $2,896,759

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$26,969$232,541-
Leasehold Improvements-$274,065-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseTotal
Jeff SchrothPresidentceo$102,500$102,500

Board Members and Trustees

NameTitle
Brock TuffliChairman of the Board
Fe MccoskeyVice-chairman of the Board
Barry HendersonBoard Member
Cheryl LeeBoard Member
Lyle WoodruffBoard Member
Phyllis MayesBoard Member
Beth RickmannSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$728,210
Investment Income
$0
Other Revenue
$345,843
Change in Net Assets
$-130,663
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$606,556
Salaries, Compensation, and Employee Benefits$598,160
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$495,660
Fees for Services Management---$264,104
Office Expenses---$137,017
Current Officers, Directors, Trustees, and Key Employees---$102,500
Other Expenses---$36,690
Interest---$20,154
Total Functional Expenses$0$0$0$1,204,716
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$40,607,625
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Purina Credit Union
EIN
43-6033772
Address
1045 CHOUTEAU AVE, SAINT LOUIS, MO 63102

Signing Officer

Name
Jeff Schroth
Title
Presidentceo
Phone
3149822888
Signed
2014-01-09

Organization Details

Principal Officer
Jeff Schroth
Formed
1933
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
0
Employees
8
Supplemental Narrative

Additional Explanations

Parts III VI and XI

“Parts iii vi and xi form 990 part iii line 1 description of organization mission benefits and services form 990 part vi section a line 6 the organization is a credit union and the members of the credit union are the owners of the credit union form 990 part vi section a line 7a the board of directors are elected by the members of the organization. All board members volunteer their services. Form 990 part vi section a line 11b the form 990 is reviewd and signed by the ceo and submitted to the irs. Form 990 part vi section b line 12c annually the board reviews transactions and relationships with board members officers and related persons that could give rise to conflicts of interest. Form 990 part vi section c line 19 the organization makes the governing documents conflict of interest policy financial statements and form 990 available to the public at its corporate office free of charge. For the cost of reproducing and mailing a copy will be sent via u.s. Mail upon written request. Form 990 part xi line 9 2014 unrealized gainloss on afs investments 9605.21 plus 2013 unrealized gainloss on afs investments (4053086.) 50136.07 changes.”

Raw XML Appendix289 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/TitleTxt2SECRETARYTREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PARTS III VI AND XI FORM 990 PART III LINE 1 DESCRIPTION OF ORGANIZATION MISSION BENEFITS AND SERVICES FORM 990 PART VI SECTION A LINE 6 THE ORGANIZATION IS A CREDIT UNION AND THE MEMBERS OF THE CREDIT UNION ARE THE OWNERS OF THE CREDIT UNION FORM 990 PART VI SECTION A LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS OF THE ORGANIZATION. ALL BOARD MEMBERS VOLUNTEER THEIR SERVICES. FORM 990 PART VI SECTION A LINE 11B THE FORM 990 IS REVIEWD AND SIGNED BY THE CEO AND SUBMITTED TO THE IRS. FORM 990 PART VI SECTION B LINE 12C ANNUALLY THE BOARD REVIEWS TRANSACTIONS AND RELATIONSHIPS WITH BOARD MEMBERS OFFICERS AND RELATED PERSONS THAT COULD GIVE RISE TO CONFLICTS OF INTEREST. FORM 990 PART VI SECTION C LINE 19 THE ORGANIZATION MAKES THE GOVERNING DOCUMENTS CONFLICT OF INTEREST POLICY FINANCIAL STATEMENTS AND FORM 990 AVAILABLE TO THE PUBLIC AT ITS CORPORATE OFFICE FREE OF CHARGE. FOR THE COST OF REPRODUCING AND MAILING A COPY WILL BE SENT VIA U.S. MAIL UPON WRITTEN REQUEST. FORM 990 PART XI LINE 9 2014 UNREALIZED GAINLOSS ON AFS INVESTMENTS 9605.21 PLUS 2013 UNREALIZED GAINLOSS ON AFS INVESTMENTS (4053086.) 50136.07 CHANGES.
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03391408
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03310881
IRS990/TotalProgramServiceRevenueAmt0728210
IRS990/TotalReportableCompFromOrgAmt0102500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01074053
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt013418
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046849696
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043952937
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.PURINACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JEFF SCHROTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENTCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03149822888
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-01-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PURINA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PURI
ReturnHeader/Filer/EIN0436033772
ReturnHeader/Filer/USAddress/AddressLine1Txt01045 CHOUTEAU AVE
ReturnHeader/Filer/USAddress/CityNm0SAINT LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063102
ReturnHeader/ReturnTs02015-01-12T14:00:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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