Civic Intelligence

Midwest Credit Union

EIN 43-6034138 • 501(c)14 • Florissant, MO

View Organization Page

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

PO Box 839Florissant, MO 63032-0839

www.midwestcu.org

Siviq Scores

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

Liabilities / Assets

38th percentile

0.84x

Higher debt load relative to assets than 38% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

33rd percentile

14.89x

Higher debt load relative to revenue than 33% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

11th percentile

-17%

Higher net margin than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

50th percentile

-0.1%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

13th percentile

-6.8%

Faster revenue growth than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets38th percentile

Assets

Down

$10,221,709

Down $6,713 (-0.1%) from 2016

Liabilities

Up

$8,588,061

Up $80,950 (+1.0%) from 2016

Net Assets

Down

$1,633,648

Down $87,663 (-5.1%) from 2016

Operations
Liabilities / Revenue33rd percentileNet Margin11th percentile

Revenue

Down

$576,690

Down $42,180 (-6.8%) from 2016

Expenses

Down

$677,526

Down $10,061 (-1.5%) from 2016

Net Income

Down

-$100,836

Down $32,119 (-47%) from 2016

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,698,628Liabilities 2010: $9,400,665Net Assets 2010: $2,297,9632010Assets 2011: $11,343,120Liabilities 2011: $9,112,856Net Assets 2011: $2,230,2642011Assets 2012: $11,020,522Liabilities 2012: $8,962,157Net Assets 2012: $2,058,3652012Assets 2013: $11,590,350Liabilities 2013: $9,558,979Net Assets 2013: $2,031,3712013Assets 2014: $11,109,305Liabilities 2014: $9,267,828Net Assets 2014: $1,841,4772014Assets 2015: $11,261,489Liabilities 2015: $9,430,267Net Assets 2015: $1,831,2222015Assets 2016: $10,228,422Liabilities 2016: $8,507,111Net Assets 2016: $1,721,3112016Assets 2017: $10,221,709Liabilities 2017: $8,588,061Net Assets 2017: $1,633,6482017

Highlighted filing

2017

Assets$10,221,709
Liabilities$8,588,061
Net Assets$1,633,648
Open 2017 Filing

Operations Trend

Revenue Growth13th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $784,6682010Expenses 2011: $773,8062011Expenses 2012: $746,8592012Revenue 2013: $587,650Expenses 2013: $708,011Net Income 2013: -$120,3612013Revenue 2014: $637,487Expenses 2014: $747,192Net Income 2014: -$109,7052014Revenue 2015: $658,572Expenses 2015: $677,192Net Income 2015: -$18,6202015Revenue 2016: $618,870Expenses 2016: $687,587Net Income 2016: -$68,7172016Revenue 2017: $576,690Expenses 2017: $677,526Net Income 2017: -$100,8362017

Highlighted filing

2017

Revenue$576,690
Expenses$677,526
Net Income-$100,836
Open 2017 Filing

Filings

Most recent year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,221,709
Liabilities
$8,588,061
Net assets
$1,633,648
Revenue
$576,690
Expenses
$677,526
Net income
-$100,836
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$10.2$8.59$1.63$0.58$0.68$0.10
2016Detailed filing. Detailed filing data is available for this year.$10.2$8.51$1.72$0.62$0.69$0.07
2015Detailed filing. Detailed filing data is available for this year.$11.3$9.43$1.83$0.66$0.68$0.02
2014Detailed filing. Detailed filing data is available for this year.$11.1$9.27$1.84$0.64$0.75$0.11
2013Detailed filing. Detailed filing data is available for this year.$11.6$9.56$2.03$0.59$0.71$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.0$8.96$2.06$0.75
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.3$9.11$2.23$0.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$9.40$2.30$0.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Mar 8, 2018
Return Version
2017v2.2
Gross Receipts
$576,690
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$5,443,963$5,945,850▲ $501,887
Other Notes and Loans Receivable, Net$4,453,779$3,943,997▼ $509,782
Rtn Earn Endowment Incm Other Fnds$1,721,311$1,633,648▼ $87,663
Cash and Non-Interest-Bearing Accounts$136,739$155,142▲ $18,403
Prepaid Expenses and Deferred Charges$15,323$16,894▲ $1,571
Land, Buildings, and Equipment, Net$15,387$9,184▼ $6,203
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,228,422$10,221,709▼ $6,713
Other Assets Total$163,231$150,642▼ $12,589
Liabilities
Other Liabilities$8,366,613$8,520,634▲ $154,021
Accounts Payable and Accrued Expenses$140,498$67,427▼ $73,071
Total Liabilities$8,507,111$8,588,061▲ $80,950
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,721,311$1,633,648▼ $87,663
Total Liabilities and Net Assets / Fund Balance$10,228,422$10,221,709▼ $6,713

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,117$202,214$211,331
Leasehold Improvements$67$53,880$53,947
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sookie CunninghamPresidentFT$89,444$25,886$115,330

Board Members and Trustees

NameTitle
Melvin Bardon JrChairman
Mike BushmanVice Chairman
Joyce HarrellBoard Member
Nancy BardonBoard Member
Robert HarmonBoard Member
Marcella KissnerSecretary
Timothy SouersTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$511,197
Investment Income
$61,001
Other Revenue
$4,492
Change in Net Assets
$-100,836
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$411,357
Salaries, Compensation, and Employee Benefits$266,169
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$119,470
Fees for Services Other---$118,491
Current Officers, Directors, Trustees, and Key Employees---$115,330
Information Technology---$64,460
Office Expenses---$58,543
Occupancy---$49,723
Payroll Taxes---$16,360
Insurance---$11,505
Pension Plan Contributions---$11,058
Fees for Services Accounting---$8,494
Depreciation Depletion---$8,333
Advertising---$7,679
Other Expenses---$5,906
All Other Expenses---$5,572
Other Employee Benefits---$3,951
Conferences and Meetings---$1,397
Total Functional Expenses$0$0$0$677,526
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$8,520,634
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Melvin bardon jr. (chairman) and nancy bardon (board member) are related by marriage.”

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

“In 2017, the board's decision to merge with st. Louis community credit union was approved by the missouri division of credit unions and the ncua. The merger will become effective at the close of business on march 31, 2018.”

Form 990, Part VI, Section B, Line 11B

“The president reviews the form 990 before filing.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews and approves the president's compensation. All other employees' compensation is determined by the president and is included in the budget presented 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
Midwest Credit Union
EIN
43-6034138
Phone
3148372500
Address
PO BOX 839, FLORISSANT, MO 63032-0839

Signing Officer

Name
Sookie Cunningham
Title
President
Phone
3148372500
Signed
2018-03-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sookie Cunningham
Formed
1941
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
9

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Preparer
Stephen Lang
Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Debit, visa, atm card program services 90,944. Other professional & outside services 27,547.”

FORM 990, PART XI, LINE 9:

“Change in accumulated other comprehensive income (fas 158) 13,173.”

Raw XML Appendix355 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/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm4NANCY BARDON
IRS990/Form990PartVIISectionAGrp/PersonNm5JOYCE HARRELL
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT HARMON
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 740 LOANS OUTSTANDING TOTALING $3,994,814.
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01633648
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05443963
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05945850
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt09117
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0202214
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0211331
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt067
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt053880
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt053947
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08520634
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09184
IRS990ScheduleD/TotalLiabilityAmt08520634
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MELVIN BARDON JR. (CHAIRMAN) AND NANCY BARDON (BOARD MEMBER) ARE RELATED BY MARRIAGE.
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/ExplanationTxt3IN 2017, THE BOARD'S DECISION TO MERGE WITH ST. LOUIS COMMUNITY CREDIT UNION WAS APPROVED BY THE MISSOURI DIVISION OF CREDIT UNIONS AND THE NCUA. THE MERGER WILL BECOME EFFECTIVE AT THE CLOSE OF BUSINESS ON MARCH 31, 2018.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS INCLUDED IN THE BUDGET PRESENTED TO THE BOARD FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL 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/ExplanationTxt7DEBIT, VISA, ATM CARD PROGRAM SERVICES 90,944. OTHER PROFESSIONAL & OUTSIDE SERVICES 27,547.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8CHANGE IN ACCUMULATED OTHER COMPREHENSIVE INCOME (FAS 158) 13,173.
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 B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010228422
IRS990/TotalAssetsEOYAmt010221709
IRS990/TotalAssetsGrp/BOYAmt010228422
IRS990/TotalAssetsGrp/EOYAmt010221709
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0677526
IRS990/TotalGrossUBIAmt09327
IRS990/TotalLiabilitiesBOYAmt08507111
IRS990/TotalLiabilitiesEOYAmt08588061
IRS990/TotalLiabilitiesGrp/BOYAmt08507111
IRS990/TotalLiabilitiesGrp/EOYAmt08588061
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01721311
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01633648
IRS990/TotalOtherCompensationAmt025886
IRS990/TotalProgramServiceRevenueAmt0511197
IRS990/TotalReportableCompFromOrgAmt089444
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0567363
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0576690
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09327
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010228422
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010221709
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 839
IRS990/USAddress/CityNm0FLORISSANT
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0630320839
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MIDWESTCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SOOKIE CUNNINGHAM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03148372500
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-03-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MIDWEST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MIDW
ReturnHeader/Filer/EIN0436034138
ReturnHeader/Filer/PhoneNum03148372500
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 839
ReturnHeader/Filer/USAddress/CityNm0FLORISSANT
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0630320839
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-03-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm013:25:56
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN LANG
ReturnHeader/ReturnTs02018-03-08T13:26:07-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

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