Civic Intelligence

St Louis Newspaper Carriers Credit Union

EIN 43-6040706 • 501(c)14 • Fenton, MO

Profile

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

961 PlateauFenton, MO 63026-3830

n/A

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

28.99x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

9th percentile

-19%

Higher net margin than 9% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

48th percentile

$78,755

Higher top officer pay than 48% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

11th percentile

-8.9%

Faster asset growth than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

25th percentile

-1.0%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$19,447,136

Down $1,894,478 (-8.9%) from 2023

Liabilities

Down

$18,058,609

Down $1,774,128 (-8.9%) from 2023

Net Assets

Down

$1,388,527

Down $120,350 (-8.0%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin9th percentile

Revenue

Down

$622,973

Down $6,287 (-1.0%) from 2023

Expenses

Down

$743,323

Down $65,134 (-8.1%) from 2023

Net Income

Up

-$120,350

Up $58,847 (+33%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth11th percentile

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

$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

2024

Assets$19,447,136
Liabilities$18,058,609
Net Assets$1,388,527
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

Revenue, expenses, and net income by year, with the latest 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

2024

Revenue$622,973
Expenses$743,323
Net Income-$120,350
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$19,447,136
Liabilities
$18,058,609
Net assets
$1,388,527
Revenue
$622,973
Expenses
$743,323
Net income
-$120,350
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 20, 2025
Return Version
2024v5.0
Gross Receipts
$862,973
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$18,330,520$16,868,014▼ $1,462,506
Savings and Temporary Cash Investments$2,618,819$2,147,052▼ $471,767
Rtn Earn Endowment Incm Other Fnds$1,508,877$1,388,527▼ $120,350
Cash and Non-Interest-Bearing Accounts$155,929$203,599▲ $47,670
Prepaid Expenses and Deferred Charges$4,715$5,304▲ $589
Land, Buildings, and Equipment, Net$0$3,859▲ $3,859
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$21,341,614$19,447,136▼ $1,894,478
Other Assets Total$231,631$219,308▼ $12,323
Liabilities
Other Liabilities$19,823,563$18,047,928▼ $1,775,635
Accounts Payable and Accrued Expenses$9,174$10,681▲ $1,507
Total Liabilities$19,832,737$18,058,609▼ $1,774,128
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,508,877$1,388,527▼ $120,350
Total Liabilities and Net Assets / Fund Balance$21,341,614$19,447,136▼ $1,894,478

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,859$814$4,673
Compensation and Service Providers
Top Officer Pay48th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis DummerthManagerFT$59,068$19,687$78,755

Board Members and Trustees

NameTitle
James RamseyPresident
Jennifer RamseyVice President
Charles WilderDirector
David IngenbohsDirector
Frank IngenbohsDirector
James ScharioDirector
John ClarkDirector
Dale DummerthSecretary
Sally MaguireTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$564,733
Investment Income
$58,240
Other Revenue
$0
Change in Net Assets
$-120,350
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$660,054
Salaries, Compensation, and Employee Benefits$83,269
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---$78,750
Occupancy---$30,000
Conferences and Meetings---$14,875
Office Expenses---$12,747
Insurance---$9,563
Fees for Services Accounting---$8,978
Payroll Taxes---$4,519
Information Technology---$3,233
Interest---$2,828
Other Expenses---$1,098
Depreciation Depletion---$814
Advertising---$500
Total Functional Expenses$0$0$0$743,323
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$18,047,928
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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, Part VI, Section A, Line 2

“Dennis dummerth (manager) and dale dummerth (board secretary) are brothers. Frank ingenbohs (director) is the uncle of david ingenbohs (director). James ramsey is jennifer ramsey's father.”

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 11B

“The manager reviews the form 990 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.”

Form 990, Part VI, Section C, Line 19

“Financial statements 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
St Louis Newspaper Carriers Credit Union
EIN
43-6040706
Phone
6363435042
Address
961 PLATEAU, FENTON, MO 63026-3830

Signing Officer

Name
Dennis Dummerth
Title
Manager
Phone
6363435042
Signed
2025-03-20
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
13

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix343 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/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0564684
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt149
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0564684
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt149
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2023, THERE WERE 212 LOANS OUTSTANDING TOTALING $16,873,061.82.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $575,418.14 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt054751
IRS990/PYOtherExpensesAmt0714351
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0574509
IRS990/PYRevenuesLessExpensesAmt0-179197
IRS990/PYSalariesCompEmpBnftPaidAmt094106
IRS990/PYTotalExpensesAmt0808457
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0629260
IRS990/ReconcilationRevenueExpnssAmt0-120350
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01508877
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01388527
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02618819
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02147052
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03859
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0814
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04673
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018047928
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03859
IRS990ScheduleD/TotalLiabilityAmt018047928
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DENNIS DUMMERTH (MANAGER) AND DALE DUMMERTH (BOARD SECRETARY) ARE BROTHERS. FRANK INGENBOHS (DIRECTOR) IS THE UNCLE OF DAVID INGENBOHS (DIRECTOR). JAMES RAMSEY IS JENNIFER RAMSEY'S FATHER.
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/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES 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 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS 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 11B
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt021341614
IRS990/TotalAssetsEOYAmt019447136
IRS990/TotalAssetsGrp/BOYAmt021341614
IRS990/TotalAssetsGrp/EOYAmt019447136
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt0743323
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019832737
IRS990/TotalLiabilitiesEOYAmt018058609
IRS990/TotalLiabilitiesGrp/BOYAmt019832737
IRS990/TotalLiabilitiesGrp/EOYAmt018058609
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01508877
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01388527
IRS990/TotalOtherCompensationAmt019687
IRS990/TotalProgramServiceRevenueAmt0564733
IRS990/TotalReportableCompFromOrgAmt059068
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0622973
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0622973
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021341614
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019447136
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0961 PLATEAU
IRS990/USAddress/CityNm0FENTON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0630263830
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS DUMMERTH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum06363435042
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST LOUIS NEWSPAPER CARRIERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STLO
ReturnHeader/Filer/EIN0436040706
ReturnHeader/Filer/PhoneNum06363435042
ReturnHeader/Filer/USAddress/AddressLine1Txt0961 PLATEAU
ReturnHeader/Filer/USAddress/CityNm0FENTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0630263830
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-03-20T06:22:16-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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