Civic Intelligence

St Louis Newspaper Carriers Credit Union

990 • Fiscal year 2013 • EIN 43-6040706

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 11, 2014

Organization ProfileN/A
961 Plateau63026

(636) 343-5042

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

78th percentile

0.90x

Higher debt load relative to assets than 78% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

85th percentile

29.13x

Higher debt load relative to revenue than 85% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

95th percentile

26%

Higher net margin than 95% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

62nd percentile

2.8%

Faster asset growth than 62% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$13,216,167

Up $361,279 (+2.8%) from 2012

Net Assets

Up

$1,267,449

Up $105,394 (+9.1%) from 2012

Liabilities

Up

$11,948,718

Up $255,885 (+2.2%) from 2012

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin95th percentile

Revenue

$410,223

No earlier filing loaded for comparison.

Expenses

Down

$304,829

Down $14,402 (-4.5%) from 2012

Net Income

$105,394

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

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

$30M$20M$10M$0Assets 2010: $12,370,435Liabilities 2010: $11,401,455Net Assets 2010: $968,9802010Assets 2011: $12,729,739Liabilities 2011: $11,675,348Net Assets 2011: $1,054,3912011Assets 2012: $12,854,888Liabilities 2012: $11,692,833Net Assets 2012: $1,162,0552012Assets 2013: $13,216,167Liabilities 2013: $11,948,718Net Assets 2013: $1,267,4492013Assets 2014: $12,868,803Liabilities 2014: $11,519,127Net Assets 2014: $1,349,6762014Assets 2015: $12,978,048Liabilities 2015: $11,594,221Net Assets 2015: $1,383,8272015Assets 2016: $14,827,668Liabilities 2016: $13,414,431Net Assets 2016: $1,413,2372016Assets 2017: $17,144,916Liabilities 2017: $15,680,504Net Assets 2017: $1,464,4122017Assets 2018: $17,226,886Liabilities 2018: $15,708,755Net Assets 2018: $1,518,1312018Assets 2019: $18,160,480Liabilities 2019: $16,627,065Net Assets 2019: $1,533,4152019Assets 2020: $20,360,425Liabilities 2020: $18,734,316Net Assets 2020: $1,626,1092020Assets 2021: $21,903,393Liabilities 2021: $20,138,229Net Assets 2021: $1,765,1642021Assets 2022: $23,343,632Liabilities 2022: $21,653,608Net Assets 2022: $1,690,0242022Assets 2023: $21,341,614Liabilities 2023: $19,832,737Net Assets 2023: $1,508,8772023Assets 2024: $19,447,136Liabilities 2024: $18,058,609Net Assets 2024: $1,388,5272024

Highlighted filing

2013

Assets$13,216,167
Liabilities$11,948,718
Net Assets$1,267,449
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $394,8272010Expenses 2011: $367,0342011Expenses 2012: $319,2312012Revenue 2013: $410,223Expenses 2013: $304,829Net Income 2013: $105,3942013Revenue 2014: $397,598Expenses 2014: $315,371Net Income 2014: $82,2272014Revenue 2015: $389,963Expenses 2015: $355,812Net Income 2015: $34,1512015Revenue 2016: $396,098Expenses 2016: $366,688Net Income 2016: $29,4102016Revenue 2017: $446,467Expenses 2017: $395,292Net Income 2017: $51,1752017Revenue 2018: $504,488Expenses 2018: $450,769Net Income 2018: $53,7192018Revenue 2019: $534,788Expenses 2019: $519,504Net Income 2019: $15,2842019Revenue 2020: $545,981Expenses 2020: $453,287Net Income 2020: $92,6942020Revenue 2021: $554,796Expenses 2021: $415,741Net Income 2021: $139,0552021Revenue 2022: $597,454Expenses 2022: $672,594Net Income 2022: -$75,1402022Revenue 2023: $629,260Expenses 2023: $808,457Net Income 2023: -$179,1972023Revenue 2024: $622,973Expenses 2024: $743,323Net Income 2024: -$120,3502024

Highlighted filing

2013

Revenue$410,223
Expenses$304,829
Net Income$105,394
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 11, 2014
Return Version
2013v3.0
Gross Receipts
$410,223
Mission and Program Overview

Mission

Provide savings and create a borrowing source for our members with fair interest rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,780,711$9,414,537▲ $633,826
Savings and Temporary Cash Investments$3,720,541$3,536,779▼ $183,762
Rtn Earn Endowment Incm Other Fnds$1,162,055$1,267,449▲ $105,394
Cash and Non-Interest-Bearing Accounts$210,000$118,802▼ $91,198
Prepaid Expenses and Deferred Charges$1,617$1,632▲ $15
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$12,854,888$13,216,167▲ $361,279
Other Assets Total$142,019$144,417▲ $2,398
Liabilities
Other Liabilities$11,677,992$11,938,425▲ $260,433
Accounts Payable and Accrued Expenses$14,841$10,293▼ $4,548
Total Liabilities$11,692,833$11,948,718▲ $255,885
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,162,055$1,267,449▲ $105,394
Total Liabilities and Net Assets / Fund Balance$12,854,888$13,216,167▲ $361,279

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$13,458$13,458
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis DummerthManagerFT$50,575$8,925$59,500

Board Members and Trustees

NameTitle
James RamseyPresident
Jennifer RamseyVice President
Carl IngenbohsDirector
Charles WilderDirector
Don ChambersDirector
Frank IngenbohsDirector
Paul LewandowskiDirector
Dale DummerthSecretary
Don GoresTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$333,672
Investment Income
$75,991
Other Revenue
$560
Change in Net Assets
$105,394
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$241,460
Salaries, Compensation, and Employee Benefits$63,369
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---$59,500
Office Expenses---$12,296
Occupancy---$12,000
Conferences and Meetings---$10,544
Fees for Services Accounting---$7,719
Insurance---$6,531
Payroll Taxes---$3,869
Advertising---$500
Other Expenses---$-1,309
Total Functional Expenses$0$0$0$304,829
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$11,938,425
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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, Part VI, Section A, line 2

“James ramsey (board president) is the father of jennifer ramsey (board vice president). Dennis dummerth (manager) and dale dummerth (board secretary) are brothers. Carl ingenbohs (director) is the father of david ingenbohs (supervisory committee member) and the brother of frank ingenbohs (director).”

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

“Significant changes such as changes to the bylaws 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 manager reviews the form 990 before filing and presents it to the board of directors.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves the compensation for the only employee, the manager. Deliberations and decisions are documented in the board 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
43-6040706
Phone
6363435042

Signing Officer

Name
Dennis Dummerth
Title
Manager
Phone
6363435042
Signed
2014-06-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Dummerth
Formed
1946
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
1
Volunteers
12

Preparer

Phone
3142058601
Raw XML Appendix335 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/PersonNm0JAMES RAMSEY
IRS990/Form990PartVIISectionAGrp/PersonNm1JENNIFER RAMSEY
IRS990/Form990PartVIISectionAGrp/PersonNm2DALE DUMMERTH
IRS990/Form990PartVIISectionAGrp/PersonNm3DON GORES
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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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, 2013, THERE WERE 184 LOANS OUTSTANDING TOTALING $9,426,156.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JAMES RAMSEY (BOARD PRESIDENT) IS THE FATHER OF JENNIFER RAMSEY (BOARD VICE PRESIDENT). DENNIS DUMMERTH (MANAGER) AND DALE DUMMERTH (BOARD SECRETARY) ARE BROTHERS. CARL INGENBOHS (DIRECTOR) IS THE FATHER OF DAVID INGENBOHS (SUPERVISORY COMMITTEE MEMBER) AND THE BROTHER OF FRANK INGENBOHS (DIRECTOR).
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/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS CHANGES TO THE BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER REVIEWS THE FORM 990 BEFORE FILING AND PRESENTS IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE COMPENSATION FOR THE ONLY EMPLOYEE, THE MANAGER. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD 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/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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt012854888
IRS990/TotalAssetsEOYAmt013216167
IRS990/TotalAssetsGrp/BOYAmt012854888
IRS990/TotalAssetsGrp/EOYAmt013216167
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt0304829
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011692833
IRS990/TotalLiabilitiesEOYAmt011948718
IRS990/TotalLiabilitiesGrp/BOYAmt011692833
IRS990/TotalLiabilitiesGrp/EOYAmt011948718
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01162055
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01267449
IRS990/TotalOtherCompensationAmt08925
IRS990/TotalProgramServiceRevenueAmt0333672
IRS990/TotalReportableCompFromOrgAmt050575
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0410223
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0410223
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012854888
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013216167
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10961 PLATEAU
IRS990/USAddress/City0FENTON
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063026
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS DUMMERTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum06363435042
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-06-11
ReturnHeader/Filer/BusinessName/BusinessNameLine10ST LOUIS NEWSPAPER CARRIERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STLO
ReturnHeader/Filer/EIN0436040706
ReturnHeader/Filer/PhoneNum06363435042
ReturnHeader/Filer/USAddress/AddressLine10961 PLATEAU
ReturnHeader/Filer/USAddress/City0FENTON
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063026
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-06-11T13:09:53-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$13,216,167
Liabilities
$11,948,718
Net assets
$1,267,449
Revenue
$410,223
Expenses
$304,829
Net income
$105,394
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$19.4$18.1$1.39$0.62$0.74$0.12
2023Detailed filing. Detailed filing data is available for this year.$21.3$19.8$1.51$0.63$0.81$0.18
2022Detailed filing. Detailed filing data is available for this year.$23.3$21.7$1.69$0.60$0.67$0.08
2021Detailed filing. Detailed filing data is available for this year.$21.9$20.1$1.77$0.55$0.42$0.14
2020Detailed filing. Detailed filing data is available for this year.$20.4$18.7$1.63$0.55$0.45$0.09
2019Detailed filing. Detailed filing data is available for this year.$18.2$16.6$1.53$0.53$0.52$0.02
2018Detailed filing. Detailed filing data is available for this year.$17.2$15.7$1.52$0.50$0.45$0.05
2017Detailed filing. Detailed filing data is available for this year.$17.1$15.7$1.46$0.45$0.40$0.05
2016Detailed filing. Detailed filing data is available for this year.$14.8$13.4$1.41$0.40$0.37$0.03
2015Detailed filing. Detailed filing data is available for this year.$13.0$11.6$1.38$0.39$0.36$0.03
2014Detailed filing. Detailed filing data is available for this year.$12.9$11.5$1.35$0.40$0.32$0.08
2013Detailed filing. Detailed filing data is available for this year.$13.2$11.9$1.27$0.41$0.30$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.9$11.7$1.16$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.7$11.7$1.05$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$11.4$0.97$0.39