Civic Intelligence

Procter and Gamble Saint Louis Employees Credit Union

EIN 43-6036234 • 501(c)14 • Saint Louis, MO

Profile

To provide affordable financial solutions to our members

169 East GrandSaint Louis, MO 63147
Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2024

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2024

Net Margin

37th percentile

-105%

Higher net margin than 37% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2024

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2024

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

70th percentile

-25%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $837,076 (-100%) from 2023

Liabilities

Down

$0

Down $671,659 (-100%) from 2023

Net Assets

Down

$0

Down $165,417 (-100%) from 2023

Operations
Liabilities / Revenue96th percentileNet Margin37th percentile

Revenue

Down

$44,941

Down $14,656 (-25%) from 2023

Expenses

Up

$92,274

Up $40,840 (+79%) from 2023

Net Income

Down

-$47,333

Down $55,496 (-680%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$1.0M$500K$0Assets 2020: $805,666Liabilities 2020: $663,559Net Assets 2020: $142,1072020Assets 2021: $902,915Liabilities 2021: $751,158Net Assets 2021: $151,7572021Assets 2022: $926,930Liabilities 2022: $769,676Net Assets 2022: $157,2542022Assets 2023: $837,076Liabilities 2023: $671,659Net Assets 2023: $165,4172023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth70th percentile

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

$100K$50K$0-$50KRevenue 2020: $47,046Expenses 2020: $39,773Net Income 2020: $7,2732020Revenue 2021: $51,090Expenses 2021: $41,440Net Income 2021: $9,6502021Revenue 2022: $52,525Expenses 2022: $47,036Net Income 2022: $5,4892022Revenue 2023: $59,597Expenses 2023: $51,434Net Income 2023: $8,1632023Revenue 2024: $44,941Expenses 2024: $92,274Net Income 2024: -$47,3332024

Highlighted filing

2024

Revenue$44,941
Expenses$92,274
Net Income-$47,333
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$44,941
Expenses
$92,274
Net income
-$47,333
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.45$0.92$0.47
2023Detailed filing. Detailed filing data is available for this year.$8.37$6.72$1.65$0.60$0.51$0.08
2022Detailed filing. Detailed filing data is available for this year.$9.27$7.70$1.57$0.53$0.47$0.05
2021Detailed filing. Detailed filing data is available for this year.$9.03$7.51$1.52$0.51$0.41$0.10
2020Detailed filing. Detailed filing data is available for this year.$8.06$6.64$1.42$0.47$0.40$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.0
Gross Receipts
$44,941
Mission and Program Overview

Mission

to provide affordable financial services to our credit union members

Provide affordable financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$502,290--
Receivables From Officers Etc$173,875--
Rtn Earn Endowment Incm Other Fnds$165,417--
Savings and Temporary Cash Investments$138,412--
Investments Other Securities$4,500--
Cash and Non-Interest-Bearing Accounts$4,172--
Land, Buildings, and Equipment, Net$3,512--
Prepaid Expenses and Deferred Charges$2,400--
Inventories for Sale or Use$229--
Total Assets$837,076$0▼ $837,076
Other Assets Total$7,686--
Liabilities
Other Liabilities$670,582--
Accounts Payable and Accrued Expenses$1,077--
Total Liabilities$671,659$0▼ $671,659
Net Assets / Fund Balance
Total Net Assets Fund Balance$165,417$0▼ $165,417
Total Liabilities and Net Assets / Fund Balance$837,076$0▼ $837,076
Compensation and Service Providers
Top Officer Pay29th percentile

Board Members and Trustees

NameTitle
Mr Jamie ReynoldsBoard Chairp
Mr Mark VerniaBoard Member
Mr William JacksonBoard Member
Mrs Brandy DayBoard Member
Thomas PlunkBoard Member
Ms Ladawn LeeBoard Secret
Benjamin BouskaBoard Vice C
Mr Timothy F StephensCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$39,983
Investment Income
$4,958
Other Revenue
$0
Change in Net Assets
$-47,333
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$67,590
Salaries, Compensation, and Employee Benefits$17,153
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,692
Information Technology---$11,990
Benefits to Members---$7,531
Office Expenses---$5,039
Insurance---$1,943
Payroll Taxes---$1,461
Depreciation Depletion---$718
Fees for Services Other---$580
Travel---$507
Other Expenses---$105
Interest---$3
Total Functional Expenses$0$0$0$92,274
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$173,875--
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Lending needs of its members.”

Form 990, Page 6, Part VI, Line 7A

“An annual membership meeting is held in march, where eligilbe members have the right to nominate and vote on election of board members. Generally, two board members positions are voted upon to serve a term of three years. There were 7 board members on the governing board.”

Form 990, Page 6, Part VI, Line 7B

“Any field of membership changes or additions and/or bylaw changes.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Proctor and Gamble Stl Employees Cu
EIN
43-6036234
Phone
6363437005
Address
169 EAST GRAND, SAINT LOUIS, MO 63147

Signing Officer

Name
Mr Timothy F Stephens
Title
CEO
Phone
6363437005
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mr Timothy F Stephens
Formed
1940
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
2

Preparer

Firm
Alliance Credit Union
Address
1280 S HIGHWAY DR, FENTON, MO 63026
Preparer
Albert Ogent
Phone
6363437005
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Board of directors are all non-compensated volunteers. The credit union had two employees. The manager and a teller that were compensated.”

Form 990, Part XI, Line 9

“Regular reserves trsfr merger -65,149 undivided earnings trnsfr merger -52,935 total -118,084”

Raw XML Appendix319 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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IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt01. REASON FOR MERGER ALLIANCE CREDIT UNION AND PROCTER & GAMBLE ST. LOUIS EMP. CREDIT UNION PROPOSE TO MERGE TOGETHER TO FORM ALLIANCE CREDIT UNION FOR THE BENEFIT OF BOTH MEMBERSHIPS. PROCTER & GAMBLE ST. LOUIS EMP. CREDIT UNION HAS RECENTLY LOST THEIR MANAGER AND IS UNABLE TO RECRUIT AND OBTAIN THE TALENT TO CONTINUE RUNNING THE CREDIT UNION. CURRENTLY THE CREDIT UNION IS OPEN FOR 9 HOURS PER WEEK, WHICH IS NOT AN ATTRACTIVE NUMBER OF HOURS FOR SOMEONE WITH THE SKILLS NEEDED TO RUN THE INSTITUTION. THE CREDIT UNION DOES NOT HAVE THE STAFF INTERNALLY TO TAKE OVER IN THE SHORT OR LONG TERM. CURRENTLY THE CREDIT UNION IS OPERATING UNDER A MANAGEMENT AGREEMENT WITH ALLIANCE CREDIT UNION TO DIRECT THE CREDIT UNION UNTIL A LONG-TERM SOLUTION CAN BE IMPLEMENTED. TO ENSURE THE CONTINUED AVAILABILITY OF PRODUCTS AND SERVICES FOR THE MEMBERSHIP, PROCTER & GAMBLE ST. LOUIS EMP. CREDIT UNION BELIEVES A MERGER IS THE BEST COURSE OF ACTION. SINCE ALLIANCE CREDIT UNION WILL BE FAMILIAR WITH THE CREDIT UNION AND ITS MEMBERS, ALLIANCE MAKES THE MOST SENSE AS A MERGER PARTNER. CURRENTLY P&G CU ONLY HAS ONE BRANCH, NO ATMS, AND LIMITED FINANCIAL SERVICES. P&G CU MEMBERS WILL GAIN MULTIPLE PROPRIETARY ATMS, 6 MORE BRANCH LOCATIONS, AND NEW FINANCIAL SERVICES TO ROUND OUT THEIR OFFERING, INCLUDING CHECKING ACCOUNTS, CDS, MONEY MARKET ACCOUNTS, MORTGAGES, COMMERCIAL LOANS, ETC. ALLIANCE CREDIT UNION WILL GAIN A STRATEGIC SEG PARTNER IN THE FIELD OF MEMBERSHIP AND A PURE SHARE BASE OF DEPOSITS. BOTH MEMBERSHIPS, BUT MORE SO P&G CU, WILL ALSO BE ABLE TO REALIZE IMPROVEMENTS DUE TO ECONOMIES OF SCALE RESULTING IN LOWER LOAN RATES, HIGHER DEPOSIT RATES, AND/OR GREATER SERVICES. 17. CONTACT INFORMATION CONTINUING CREDIT UNION TIM STEPHENS 1280 S HIGHWAY DR. FENTON, MO 63026 636-343-7005 EXT 1110 [email protected]
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD OF DIRECTORS ARE ALL NON-COMPENSATED VOLUNTEERS. THE CREDIT UNION HAD TWO EMPLOYEES. THE MANAGER AND A TELLER THAT WERE COMPENSATED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1LENDING NEEDS OF ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AN ANNUAL MEMBERSHIP MEETING IS HELD IN MARCH, WHERE ELIGILBE MEMBERS HAVE THE RIGHT TO NOMINATE AND VOTE ON ELECTION OF BOARD MEMBERS. GENERALLY, TWO BOARD MEMBERS POSITIONS ARE VOTED UPON TO SERVE A TERM OF THREE YEARS. THERE WERE 7 BOARD MEMBERS ON THE GOVERNING BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY FIELD OF MEMBERSHIP CHANGES OR ADDITIONS AND/OR BYLAW CHANGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6REGULAR RESERVES TRSFR MERGER -65,149 UNDIVIDED EARNINGS TRNSFR MERGER -52,935 TOTAL -118,084
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MO
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0837076
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt0837076
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt092274
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0671659
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0671659
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0165417
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt039983
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt044941
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt044941
IRS990/TotalVolunteersCnt02
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0837076
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt0507
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt01280 SOUTH HIGHWAY DRIVE
IRS990/USAddress/CityNm0FENTON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063026
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MR TIMOTHY F STEPHENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06363437005
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PROCTOR AND GAMBLE STL EMPLOYEES CU
ReturnHeader/Filer/BusinessNameControlTxt0PROC
ReturnHeader/Filer/EIN0436036234
ReturnHeader/Filer/PhoneNum06363437005
ReturnHeader/Filer/USAddress/AddressLine1Txt0169 EAST GRAND
ReturnHeader/Filer/USAddress/CityNm0SAINT LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063147
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0430658202
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ALLIANCE CREDIT UNION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01280 S HIGHWAY DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FENTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063026
ReturnHeader/PreparerPersonGrp/PhoneNum06363437005
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALBERT OGENT
ReturnHeader/ReturnTs02025-11-14T16:01:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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