Civic Intelligence

St Louis Carpenters' Credit Union

EIN 43-6035234

1001 Lynch Street63118
Siviq Scores

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

Liabilities / Assets

95th percentile

0.95x

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

$1M-$5M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

15th percentile

-9.4%

Faster asset growth than 15% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Down

$4,750,386

Down $490,579 (-9.4%) from 2010

Liabilities

Down

$4,505,650

Down $389,131 (-7.9%) from 2010

Net Assets

Down

$244,736

Down $101,448 (-29%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$334,239

Up $24,481 (+7.9%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

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

$6.0M$4.0M$2.0M$0Assets 2010: $5,240,965Liabilities 2010: $4,894,781Net Assets 2010: $346,1842010Assets 2011: $4,750,386Liabilities 2011: $4,505,650Net Assets 2011: $244,7362011

Highlighted filing

2011

Assets$4,750,386
Liabilities$4,505,650
Net Assets$244,736

Operations Trend

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

$400K$300K$200K$100K$0Expenses 2010: $309,7582010Expenses 2011: $334,2392011

Highlighted filing

2011

Revenue-
Expenses$334,239
Net Income-

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Mar 6, 2012
Return Version
2011v1.2
Gross Receipts
$232,884
Mission and Program Overview

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2011, there were 294 loans outstanding totaling $2,657,341.
Activity 3
Paid dividends on member deposits totaling $18,795 for the year.
Filing and Contact Details

Filer

EIN
43-6035234
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/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2011, THERE WERE 294 LOANS OUTSTANDING TOTALING $2,657,341.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $18,795 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/NameOfPrincipalOfficerPerson0PAUL A DICUS VPCONTROL
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SEVERAL MEMBER REAL ESTATE LOANS.
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IRS990ScheduleO/GeneralExplanation/Explanation0IN NOVEMBER, 2011, THE BOARD OF DIRECTORS APPROVED A MERGER WITH ANHEUSER-BUSCH EMPLOYEES' CREDIT UNION (SURVIVING CREDIT UNION). REQUIRED APPROVALS WERE OBTAINED AND ORGANIZATIONAL DOCUMENTS WERE AMENDED. THE MERGER WAS NOT EFFECTIVE UNTIL JANUARY 1, 2012.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE 990 IS REVIEWED BY THE CREDIT UNION PRESIDENT.
IRS990ScheduleO/GeneralExplanation/Explanation5THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE PRESIDENT'S. THE CUNA SALARY SURVEY IS USED TO ASSIST WITH THE PROCESS. COMPENSATION FOR ALL OTHER EMPLOYEES IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation6FINANCIAL 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/GeneralExplanation/Explanation7REVERSAL OF PRIOR YEAR ADJUSTMENT -93. Total to Form 990, Part XI, Line 5: -93.
IRS990ScheduleO/GeneralExplanation/Identifier0Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, line 4
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part XI, line 5:
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0436035234
ReturnHeader/Filer/Name/BusinessNameLine10ST LOUIS CARPENTERS' CREDIT UNION
ReturnHeader/Filer/NameControl0STLO
ReturnHeader/Filer/Phone03147717700
ReturnHeader/Filer/USAddress/AddressLine101001 LYNCH STREET
ReturnHeader/Filer/USAddress/City0ST LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063118
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-03-06
ReturnHeader/Officer/Name0PAUL A DICUS VPCONTROLLER
ReturnHeader/Officer/Phone03146579410
ReturnHeader/Officer/Title0ANHEUSER-BUSCH EMPL CREDIT UNION
ReturnHeader/PreparerFirm/EIN0431887384
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode063017
ReturnHeader/Preparer/Phone03142058601
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-03-06T11:47:53-06:00

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