Civic Intelligence

Patriot Credit Union

990 • Fiscal year 2017 • EIN 43-6034939

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 14, 2018

Organization ProfileWWW.PATRIOTCU.COM
4343 Telegraph RoadSt Louis, MO 63129-2648

(314) 892-6325

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.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

79th percentile

25.76x

Higher debt load relative to revenue than 79% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

44th percentile

2.7%

Higher net margin than 44% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

81st percentile

$77,725

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 22.4% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

57th percentile

2.0%

Faster asset growth than 57% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

50th percentile

1.5%

Faster revenue growth than 50% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$9,602,485

Up $185,878 (+2.0%) from 2016

Net Assets

Up

$672,647

Up $9,297 (+1.4%) from 2016

Liabilities

Up

$8,929,838

Up $176,581 (+2.0%) from 2016

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin44th percentile

Revenue

Up

$346,687

Up $5,140 (+1.5%) from 2016

Expenses

Up

$337,390

Up $4,740 (+1.4%) from 2016

Net Income

Up

$9,297

Up $400 (+4.5%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth57th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $6,175,791Liabilities 2010: $5,559,973Net Assets 2010: $615,8182010Assets 2011: $6,460,496Liabilities 2011: $5,839,248Net Assets 2011: $621,2482011Assets 2012: $6,961,348Liabilities 2012: $6,320,364Net Assets 2012: $640,9842012Assets 2013: $7,574,143Liabilities 2013: $6,936,888Net Assets 2013: $637,2552013Assets 2014: $7,662,940Liabilities 2014: $7,021,889Net Assets 2014: $641,0512014Assets 2015: $8,872,486Liabilities 2015: $8,218,033Net Assets 2015: $654,4532015Assets 2016: $9,416,607Liabilities 2016: $8,753,257Net Assets 2016: $663,3502016Assets 2017: $9,602,485Liabilities 2017: $8,929,838Net Assets 2017: $672,6472017Assets 2018: $9,875,370Liabilities 2018: $9,182,411Net Assets 2018: $692,9592018Assets 2019: $10,391,994Liabilities 2019: $9,639,907Net Assets 2019: $752,0872019Assets 2020: $11,644,345Liabilities 2020: $10,823,283Net Assets 2020: $821,0622020Assets 2021: $13,796,960Liabilities 2021: $12,941,123Net Assets 2021: $855,8372021Assets 2022: $14,669,839Liabilities 2022: $13,776,422Net Assets 2022: $893,4172022Assets 2023: $15,527,134Liabilities 2023: $14,438,867Net Assets 2023: $1,088,2672023Assets 2024: $14,797,204Liabilities 2024: $13,569,269Net Assets 2024: $1,227,9352024

Highlighted filing

2017

Assets$9,602,485
Liabilities$8,929,838
Net Assets$672,647
Open 2017 Filing

Operations Trend

Revenue Growth50th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2010: $311,0532010Expenses 2011: $305,9932011Expenses 2012: $291,3002012Revenue 2013: $283,407Expenses 2013: $287,136Net Income 2013: -$3,7292013Revenue 2014: $295,760Expenses 2014: $291,964Net Income 2014: $3,7962014Revenue 2015: $323,220Expenses 2015: $309,818Net Income 2015: $13,4022015Revenue 2016: $341,547Expenses 2016: $332,650Net Income 2016: $8,8972016Revenue 2017: $346,687Expenses 2017: $337,390Net Income 2017: $9,2972017Revenue 2018: $404,179Expenses 2018: $383,867Net Income 2018: $20,3122018Revenue 2019: $476,805Expenses 2019: $417,677Net Income 2019: $59,1282019Revenue 2020: $443,233Expenses 2020: $374,258Net Income 2020: $68,9752020Revenue 2021: $470,730Expenses 2021: $435,955Net Income 2021: $34,7752021Revenue 2022: $490,910Expenses 2022: $453,330Net Income 2022: $37,5802022Revenue 2023: $670,254Expenses 2023: $475,404Net Income 2023: $194,8502023Revenue 2024: $764,236Expenses 2024: $624,568Net Income 2024: $139,6682024

Highlighted filing

2017

Revenue$346,687
Expenses$337,390
Net Income$9,297
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 14, 2018
Return Version
2017v2.3
Gross Receipts
$346,687
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
Other Notes and Loans Receivable, Net$6,687,693$6,259,703▼ $427,990
Savings and Temporary Cash Investments$2,456,696$3,000,408▲ $543,712
Rtn Earn Endowment Incm Other Fnds$663,350$672,647▲ $9,297
Cash and Non-Interest-Bearing Accounts$148,515$188,612▲ $40,097
Prepaid Expenses and Deferred Charges$8,653$27,681▲ $19,028
Land, Buildings, and Equipment, Net$16,662$21,284▲ $4,622
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,416,607$9,602,485▲ $185,878
Other Assets Total$98,388$104,797▲ $6,409
Liabilities
Other Liabilities$8,737,182$8,910,326▲ $173,144
Accounts Payable and Accrued Expenses$16,075$19,512▲ $3,437
Total Liabilities$8,753,257$8,929,838▲ $176,581
Net Assets / Fund Balance
Total Net Assets Fund Balance$663,350$672,647▲ $9,297
Total Liabilities and Net Assets / Fund Balance$9,416,607$9,602,485▲ $185,878

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,284$120,423$141,707
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peter ErbeManagerFT$63,323$14,402$77,725

Board Members and Trustees

NameTitle
Patrick DelassusPresident
Brian FliegVice President
Anne TouzinskyDirector
Nancy ZimmersDirector
Zachary RasureDirector
Joe LampertSecretary
Al MilnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$322,724
Investment Income
$23,963
Other Revenue
$0
Change in Net Assets
$9,297
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$203,286
Salaries, Compensation, and Employee Benefits$134,104
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---$77,725
Office Expenses---$70,536
Other Salaries and Wages---$46,678
Occupancy---$28,623
Information Technology---$27,625
Fees for Services Other---$13,623
Insurance---$10,906
Payroll Taxes---$8,703
Fees for Services Accounting---$8,158
Depreciation Depletion---$6,346
Advertising---$1,804
Conferences and Meetings---$1,000
Pension Plan Contributions---$998
Other Expenses---$771
All Other Expenses---$467
Fees for Services Legal---$119
Total Functional Expenses$0$0$0$337,390
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$8,910,326
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
No
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 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 such as mergers and changes to bylaws are subject to approval by the credit union members.”

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

“The manager reviews and approves the form 990 and provides a copy to the board of directors.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves all compensation, including the manager's, as part of the budget review process. 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
Patriot Credit Union
EIN
43-6034939
Phone
3148926325
Address
4343 TELEGRAPH ROAD, ST LOUIS, MO 63129-2648

Signing Officer

Name
Peter Erbe
Title
Manager
Phone
3148926325
Signed
2018-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peter Erbe
Formed
1958
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
10

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Preparer
Stephen Lang
Phone
3142058601
Raw XML Appendix334 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/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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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 564 LOANS OUTSTANDING TOTALING $6,278,110, INCLUDING INDIRECT AND PARTICIPATION LOANS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MANAGER REVIEWS AND APPROVES THE FORM 990 AND PROVIDES A COPY TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S, AS PART OF THE BUDGET REVIEW PROCESS. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL 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/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt09416607
IRS990/TotalAssetsEOYAmt09602485
IRS990/TotalAssetsGrp/BOYAmt09416607
IRS990/TotalAssetsGrp/EOYAmt09602485
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0337390
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08753257
IRS990/TotalLiabilitiesEOYAmt08929838
IRS990/TotalLiabilitiesGrp/BOYAmt08753257
IRS990/TotalLiabilitiesGrp/EOYAmt08929838
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0663350
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0672647
IRS990/TotalOtherCompensationAmt014402
IRS990/TotalProgramServiceRevenueAmt0322724
IRS990/TotalReportableCompFromOrgAmt063323
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0346687
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0346687
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09416607
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09602485
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04343 TELEGRAPH ROAD
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631292648
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PATRIOTCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER ERBE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03148926325
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PATRIOT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PATR
ReturnHeader/Filer/EIN0436034939
ReturnHeader/Filer/PhoneNum03148926325
ReturnHeader/Filer/USAddress/AddressLine1Txt04343 TELEGRAPH ROAD
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631292648
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-11-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm012:52:35
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/ReturnTs02018-11-14T12:52:49-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$9,602,485
Liabilities
$8,929,838
Net assets
$672,647
Revenue
$346,687
Expenses
$337,390
Net income
$9,297
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.8$13.6$1.23$0.76$0.62$0.14
2023Detailed filing. Detailed filing data is available for this year.$15.5$14.4$1.09$0.67$0.48$0.19
2022Detailed filing. Detailed filing data is available for this year.$14.7$13.8$0.89$0.49$0.45$0.04
2021Detailed filing. Detailed filing data is available for this year.$13.8$12.9$0.86$0.47$0.44$0.03
2020Detailed filing. Detailed filing data is available for this year.$11.6$10.8$0.82$0.44$0.37$0.07
2019Detailed filing. Detailed filing data is available for this year.$10.4$9.64$0.75$0.48$0.42$0.06
2018Detailed filing. Detailed filing data is available for this year.$9.88$9.18$0.69$0.40$0.38$0.02
2017Detailed filing. Detailed filing data is available for this year.$9.60$8.93$0.67$0.35$0.34$0.01
2016Detailed filing. Detailed filing data is available for this year.$9.42$8.75$0.66$0.34$0.33$0.01
2015Detailed filing. Detailed filing data is available for this year.$8.87$8.22$0.65$0.32$0.31$0.01
2014Detailed filing. Detailed filing data is available for this year.$7.66$7.02$0.64$0.30$0.29$0.00
2013Detailed filing. Detailed filing data is available for this year.$7.57$6.94$0.64$0.28$0.29$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.96$6.32$0.64$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.46$5.84$0.62$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.18$5.56$0.62$0.31