Civic Intelligence

Purina Credit Union

990 • Fiscal year 2013 • EIN 43-6033772

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 24, 2014

Organization ProfileWWW.PURINACU.ORG

View Organization Page

1045 Chouteau Ave63102

(314) 982-2888

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

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

Liabilities / Revenue

99th percentile

40.20x

Higher debt load relative to revenue than 99% of similar nonprofits.

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

Net Margin

9th percentile

-12%

Higher net margin than 9% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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

4th percentile

-7.0%

Faster asset growth than 4% of similar nonprofits.

2013 filings • 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 / Assets95th percentile

Assets

Down

$46,849,696

Down $3,514,617 (-7.0%) from 2012

Net Assets

Down

$3,391,408

Down $223,411 (-6.2%) from 2012

Liabilities

Down

$43,458,288

Down $3,291,206 (-7.0%) from 2012

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin9th percentile

Revenue

$1,081,036

No earlier filing loaded for comparison.

Expenses

Down

$1,214,689

Down $44,933 (-3.6%) from 2012

Net Income

-$133,653

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth4th percentile

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

$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

2013

Assets$46,849,696
Liabilities$43,458,288
Net Assets$3,391,408
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$1,081,036
Expenses$1,214,689
Net Income-$133,653
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
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$25,576,978$27,041,929▲ $1,464,951
Other Notes and Loans Receivable, Net$13,371,502$13,023,791▼ $347,711
Investments in Publicly Traded Securities$10,316,365$5,948,641▼ $4,367,724
Rtn Earn Endowment Incm Other Fnds$3,614,819$3,391,408▼ $223,411
Prepaid Expenses and Deferred Charges$212,417$201,336▼ $11,081
Cash and Non-Interest-Bearing Accounts$325,433$99,138▼ $226,295
Accounts Receivable$80,064$60,832▼ $19,232
Land, Buildings, and Equipment, Net$29,598$28,377▼ $1,221
Total Assets$50,364,313$46,849,696▼ $3,514,617
Other Assets Total$451,956$445,652▼ $6,304
Liabilities
Other Liabilities$46,620,955$43,363,712▼ $3,257,243
Accounts Payable and Accrued Expenses$128,539$94,576▼ $33,963
Total Liabilities$46,749,494$43,458,288▼ $3,291,206
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,614,819$3,391,408▼ $223,411
Total Liabilities and Net Assets / Fund Balance$50,364,313$46,849,696▼ $3,514,617

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$28,377$217,025-
Leasehold Improvements-$274,065-
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseTotal
Jeff SchrothPresidentceo$101,502$101,502

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
$754,039
Investment Income
$0
Other Revenue
$326,997
Change in Net Assets
$-133,653
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$684,401
Salaries, Compensation, and Employee Benefits$530,288
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$428,786
Fees for Services Management---$280,855
Office Expenses---$113,275
Current Officers, Directors, Trustees, and Key Employees---$101,502
Other Expenses---$35,652
Interest---$26,929
Total Functional Expenses$0$0$0$1,214,689

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,214,688
Total Expenses per Audited Statements$1,214,688
Total Expenses per Form 990$1,214,688
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$43,363,712
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

EIN
43-6033772

Signing Officer

Name
Jeff Schroth
Title
Presidentceo
Phone
3149822888
Signed
2014-04-24

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 XI and XII

“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 reviewed 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 2013 unrealized gainloss on afs investments (40530.86) less 2012 unrealized gainloss on afs investments 49228.39 (89759) changes. Form 990 part xii line 2c the auditor is selected by the audit committee via competitive bid.”

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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/TitleTxt3BOARD MEMBER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 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 REVIEWED 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 2013 UNREALIZED GAINLOSS ON AFS INVESTMENTS (40530.86) LESS 2012 UNREALIZED GAINLOSS ON AFS INVESTMENTS 49228.39 (89759) CHANGES. FORM 990 PART XII LINE 2C THE AUDITOR IS SELECTED BY THE AUDIT COMMITTEE VIA COMPETITIVE BID.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PARTS III VI XI AND XII
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IRS990/TotalProgramServiceRevenueAmt0754039
IRS990/TotalReportableCompFromOrgAmt0101502
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01070387
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01081036
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010649
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt050364313
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt046849696
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0WWW.PURINACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JEFF SCHROTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENTCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03149822888
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10PURINA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PURI
ReturnHeader/Filer/EIN0436033772
ReturnHeader/Filer/USAddress/AddressLine101045 CHOUTEAU AVE
ReturnHeader/Filer/USAddress/City0SAINT LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063102
ReturnHeader/ReturnTs02014-05-12T15:50:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$46,849,696
Liabilities
$43,458,288
Net assets
$3,391,408
Revenue
$1,081,036
Expenses
$1,214,689
Net income
-$133,653
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