Liabilities / Assets
27th percentile
Higher debt load relative to assets than 27% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.82x
Liabilities / Revenue
32nd percentile
Higher debt load relative to revenue than 32% of similar nonprofits.
Net Margin
7th percentile
Higher net margin than 7% of similar nonprofits.
Top Officer Pay
79th percentile
Higher top officer pay than 79% of similar nonprofits.
Top officer pay equals 15.5% of source-year revenue.
Asset Growth
78th percentile
Faster asset growth than 78% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$11,590,350
Up $569,828 (+5.2%) from 2012
Net Assets
Down$2,031,371
Down $26,994 (-1.3%) from 2012
Liabilities
Up$9,558,979
Up $596,822 (+6.7%) from 2012
Revenue And Expenses
Revenue
$587,650
No earlier filing loaded for comparison.
Expenses
Down$708,011
Down $38,848 (-5.2%) from 2012
Net Income
-$120,361
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Mar 6, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $587,650
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
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $6,745,380 | $5,799,804 | ▼ $945,576 |
| Other Notes and Loans Receivable, Net | $3,766,671 | $5,299,023 | ▲ $1,532,352 |
| Rtn Earn Endowment Incm Other Fnds | $2,058,365 | $2,031,371 | ▼ $26,994 |
| Cash and Non-Interest-Bearing Accounts | $274,617 | $271,772 | ▼ $2,845 |
| Land, Buildings, and Equipment, Net | $52,127 | $33,557 | ▼ $18,570 |
| Prepaid Expenses and Deferred Charges | $36,563 | $29,507 | ▼ $7,056 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $11,020,522 | $11,590,350 | ▲ $569,828 |
| Other Assets Total | $145,164 | $156,687 | ▲ $11,523 |
| Liabilities | |||
| Other Liabilities | $8,829,371 | $9,421,559 | ▲ $592,188 |
| Accounts Payable and Accrued Expenses | $132,786 | $137,420 | ▲ $4,634 |
| Total Liabilities | $8,962,157 | $9,558,979 | ▲ $596,822 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,058,365 | $2,031,371 | ▼ $26,994 |
| Total Liabilities and Net Assets / Fund Balance | $11,020,522 | $11,590,350 | ▲ $569,828 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $33,554 | $170,376 | $203,930 |
| Leasehold Improvements | $3 | $50,339 | $50,342 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Sookie Cunningham | President | FT | $69,202 | $21,965 | $91,167 |
Board Members and Trustees
| Name | Title |
|---|---|
| Fred Simshauser | Chairman |
| Melvin Bardon Jr | Vice Chairman |
| Mike Bushman | Board Member |
| Nancy Bardon | Board Member |
| Timothy Souers | Board Member |
| Carolyn Simshauser | Secretary |
| Keith Huels | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $548,590
- Investment Income
- $35,310
- Other Revenue
- $3,750
- Change in Net Assets
- $-120,361
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $443,699 |
| Salaries, Compensation, and Employee Benefits | $264,003 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Fees for Services Other | - | - | - | $132,813 |
| Other Salaries and Wages | - | - | - | $119,016 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $91,167 |
| Office Expenses | - | - | - | $59,198 |
| Information Technology | - | - | - | $51,799 |
| Occupancy | - | - | - | $48,119 |
| Pension Plan Contributions | - | - | - | $24,103 |
| Depreciation Depletion | - | - | - | $23,558 |
| All Other Expenses | - | - | - | $18,354 |
| Payroll Taxes | - | - | - | $16,560 |
| Advertising | - | - | - | $14,880 |
| Other Employee Benefits | - | - | - | $13,157 |
| Insurance | - | - | - | $10,477 |
| Fees for Services Accounting | - | - | - | $9,601 |
| Other Expenses | - | - | - | $7,490 |
| Conferences and Meetings | - | - | - | $1,474 |
| Benefits to Members | - | - | - | $309 |
| Total Functional Expenses | $0 | $0 | $0 | $708,011 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Share Deposits | $9,421,559 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Backup withholding compliance
- Yes
- Business relationship with family members
- No
- Business relationship with organization members
- No
- Material changes to governing documents
- Yes
- Compensation from other sources disclosed
- No
- CEO compensation reviewed
- Yes
- Other officer compensation reviewed
- Yes
- Conflict-of-interest policy
- No
- 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
“The following board members are related through marriage: - fred simshauser (chairman) and carolyn simshauser (secretary) - melvin bardon jr. (vice chairman) and nancy bardon (board member)”
Form 990, Part VI, Section A, line 4
“In 2013, the board of directors approved changing the par value of each general share from $25 to $1. An amendment to the bylaws was filed with and approved by the state of missouri, as required.”
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
“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”
Form 990, Part VI, Section B, line 11
“The supervisory committee selects the accounting firm to complete the return. The responsibility for reviewing the 990 is delegated to the president.”
Form 990, Part VI, Section B, line 15
“The board of directors reviews and approves the president's compensation using various information, including a compensation study/survey. 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
- EIN
- 43-6034138
- Phone
- 3148372500
Signing Officer
- Name
- Sookie Cunningham
- Title
- President
- Phone
- 3148372500
- Signed
- 2014-03-06
- 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
- 10
Preparer
- Phone
- 3142058601
Supplemental Narrative
Additional Explanations
Form 990, Part IX, line 11G
“DEBIT, VISA, ATM CARD PROGRAM SERVICES: Total expenses 73,654. COURTESY PAY PROGRAM SERVICES: Total expenses 28,030. OTHER PROFESSIONAL & OUTSIDE SERVICES: Total expenses 31,129.”
Form 990, Part XI, line 9:
“Change in accumulated other comprehensive income (fas 158) 93,367.”
Raw XML Appendix347 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 132786 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 137420 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 14880 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 18354 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 309 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | SOOKIE CUNNINGHAM |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3148372500 |
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| IRS990/BooksInCareOfDetail/USAddress/City | 0 | FLORISSANT |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 63033 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 274617 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 271772 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 91167 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 1474 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 309 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 35310 |
| IRS990/CYOtherExpensesAmt | 0 | 443699 |
| IRS990/CYOtherRevenueAmt | 0 | 3750 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 548590 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -120361 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 264003 |
| IRS990/CYTotalExpensesAmt | 0 | 708011 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 587650 |
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| IRS990/DeductibleArtContributionInd | 0 | 0 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 23558 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,688 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 8 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 1 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 9601 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 132813 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 21965 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | FRED SIMSHAUSER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | MELVIN BARDON JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | CAROLYN SIMSHAUSER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | KEITH HUELS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | NANCY BARDON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | MIKE BUSHMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | TIMOTHY SOUERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | SOOKIE CUNNINGHAM |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 69202 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1941 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 587650 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 51799 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 10477 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 35310 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 35310 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 221 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 220715 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 52127 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 33557 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 254272 |
| IRS990/LegalDomicileStateCd | 0 | MO |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2058365 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2031371 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -43713 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 48119 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 59198 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 145164 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 156687 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 93367 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 13157 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 3 | NCUSIF ASSESSMENTS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 34220 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 17188 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 14528 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 7490 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 8829371 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 9421559 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 119016 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 3766671 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 5299023 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 16560 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 24103 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 36563 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 29507 |
| IRS990/PrincipalOfficerNm | 0 | SOOKIE CUNNINGHAM |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 281323 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 252256 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 281323 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 252256 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 15011 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 15011 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 662 LOANS OUTSTANDING TOTALING $5,359,122. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $14,528 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 414 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 28647 |
| IRS990/PYOtherExpensesAmt | 0 | 448957 |
| IRS990/PYOtherRevenueAmt | 0 | 3625 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 614569 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -100018 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 297488 |
| IRS990/PYTotalExpensesAmt | 0 | 746859 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 646841 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -120361 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3750 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 3750 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2058365 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2031371 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6745380 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 5799804 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 33554 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 170376 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 203930 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 3 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 50339 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 50342 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 9421559 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 33557 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 9421559 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE FOLLOWING BOARD MEMBERS ARE RELATED THROUGH MARRIAGE: - FRED SIMSHAUSER (CHAIRMAN) AND CAROLYN SIMSHAUSER (SECRETARY) - MELVIN BARDON JR. (VICE CHAIRMAN) AND NANCY BARDON (BOARD MEMBER) |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | IN 2013, THE BOARD OF DIRECTORS APPROVED CHANGING THE PAR VALUE OF EACH GENERAL SHARE FROM $25 TO $1. AN AMENDMENT TO THE BYLAWS WAS FILED WITH AND APPROVED BY THE STATE OF MISSOURI, AS REQUIRED. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE SUPERVISORY COMMITTEE SELECTS THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION USING VARIOUS INFORMATION, INCLUDING A COMPENSATION STUDY/SURVEY. 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/ExplanationTxt | 7 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | DEBIT, VISA, ATM CARD PROGRAM SERVICES: Total expenses 73,654. COURTESY PAY PROGRAM SERVICES: Total expenses 28,030. OTHER PROFESSIONAL & OUTSIDE SERVICES: Total expenses 31,129. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | CHANGE IN ACCUMULATED OTHER COMPREHENSIVE INCOME (FAS 158) 93,367. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section A, line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section B, line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section C, line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990, Part IX, line 11g |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990, Part XI, line 9: |
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| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 11020522 |
| IRS990/TotalAssetsEOYAmt | 0 | 11590350 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 11020522 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 11590350 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 708011 |
| IRS990/TotalGrossUBIAmt | 0 | 15011 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 8962157 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 9558979 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 8962157 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 9558979 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2058365 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2031371 |
| IRS990/TotalOtherCompensationAmt | 0 | 21965 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 548590 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 69202 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 572639 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 587650 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 15011 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 11020522 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 11590350 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 11 FLOWER VALLEY SHOPPING CTR |
| IRS990/USAddress/City | 0 | FLORISSANT |
| IRS990/USAddress/State | 0 | MO |
| IRS990/USAddress/ZIPCode | 0 | 63033 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MIDWESTCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SOOKIE CUNNINGHAM |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 3148372500 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-03-06 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | MIDWEST CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MIDW |
| ReturnHeader/Filer/EIN | 0 | 436034138 |
| ReturnHeader/Filer/PhoneNum | 0 | 3148372500 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 839 |
| ReturnHeader/Filer/USAddress/City | 0 | FLORISSANT |
| ReturnHeader/Filer/USAddress/State | 0 | MO |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 63032 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 431887384 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | STEPHEN LANG & ASSOCIATES LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 14323 S OUTER 40 STE N205 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | CHESTERFIELD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | MO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 63017 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3142058601 |
| ReturnHeader/ReturnTs | 0 | 2014-03-06T10:26:51-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $11,590,350
- Liabilities
- $9,558,979
- Net assets
- $2,031,371
- Revenue
- $587,650
- Expenses
- $708,011
- Net income
- -$120,361