Civic Intelligence

Students Educational & Loan Foundat

990 • Fiscal year 2025 • EIN 43-6052502

Jan 01, 2025 to Dec 31, 2025

Organization Profile
PO Box 1884Rolla, MO 65402-1884

(573) 364-4003

Siviq Scores

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

Liabilities / Assets

85th percentile

0.57x

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

2025 filings • 501(c)7 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

5.25x

Higher debt load relative to revenue than 97% of similar nonprofits.

2025 filings • 501(c)7 • $1M-$5M nonprofits • Source year 2025

Net Margin

62nd percentile

11%

Higher net margin than 62% of similar nonprofits.

2025 filings • 501(c)7 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

85th percentile

$0

Higher top officer pay than 85% of similar nonprofits.

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

2025 filings • 501(c)7 • $1M-$5M nonprofits • Source year 2025

Asset Growth

20th percentile

-2.9%

Faster asset growth than 20% of similar nonprofits.

2025 filings • 501(c)7 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

76th percentile

17%

Faster revenue growth than 76% of similar nonprofits.

2025 filings • 501(c)7 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets85th percentile

Assets

Down

$3,687,389

Down $110,720 (-2.9%) from 2024

Net Assets

Up

$1,582,230

Up $44,568 (+2.9%) from 2024

Liabilities

Down

$2,105,159

Down $155,288 (-6.9%) from 2024

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin62nd percentile

Revenue

Up

$401,129

Up $56,952 (+17%) from 2024

Expenses

Up

$356,561

Up $44,775 (+14%) from 2024

Net Income

Up

$44,568

Up $12,177 (+38%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $430,879Liabilities 2011: $02011Assets 2012: $435,776Net Assets 2012: $435,7762012Assets 2013: $457,352Net Assets 2013: $457,3522013Assets 2014: $4,907,809Liabilities 2014: $3,798,229Net Assets 2014: $1,109,5802014Assets 2015: $5,182,246Liabilities 2015: $3,464,445Net Assets 2015: $1,717,8012015Assets 2016: $5,044,740Liabilities 2016: $3,408,897Net Assets 2016: $1,635,8432016Assets 2017: $4,821,215Liabilities 2017: $3,229,802Net Assets 2017: $1,591,4132017Assets 2018: $4,664,486Liabilities 2018: $3,067,214Net Assets 2018: $1,597,2722018Assets 2019: $4,513,087Liabilities 2019: $2,924,320Net Assets 2019: $1,588,7672019Assets 2020: $4,309,761Liabilities 2020: $2,787,283Net Assets 2020: $1,522,4782020Assets 2021: $4,120,641Liabilities 2021: $2,659,128Net Assets 2021: $1,461,5132021Assets 2022: $3,981,142Liabilities 2022: $2,512,502Net Assets 2022: $1,468,6402022Assets 2023: $3,857,288Liabilities 2023: $2,367,017Net Assets 2023: $1,490,2712023Assets 2024: $3,798,109Liabilities 2024: $2,260,447Net Assets 2024: $1,537,6622024Assets 2025: $3,687,389Liabilities 2025: $2,105,159Net Assets 2025: $1,582,2302025

Highlighted filing

2025

Assets$3,687,389
Liabilities$2,105,159
Net Assets$1,582,230
Open 2025 Filing

Operations Trend

Revenue Growth76th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $74,318Expenses 2011: $73,890Net Income 2011: $4282011Revenue 2012: $78,744Expenses 2012: $73,845Net Income 2012: $4,8992012Revenue 2013: $70,726Expenses 2013: $49,150Net Income 2013: $21,5762013Revenue 2014: $777,984Expenses 2014: $125,756Net Income 2014: $652,2282014Revenue 2015: $1,001,846Expenses 2015: $393,625Net Income 2015: $608,2212015Revenue 2016: $322,259Expenses 2016: $404,217Net Income 2016: -$81,9582016Revenue 2017: $340,162Expenses 2017: $384,592Net Income 2017: -$44,4302017Revenue 2018: $385,297Expenses 2018: $379,438Net Income 2018: $5,8592018Revenue 2019: $311,598Expenses 2019: $332,291Net Income 2019: -$20,6932019Revenue 2020: $265,783Expenses 2020: $321,160Net Income 2020: -$55,3772020Revenue 2021: $283,746Expenses 2021: $344,711Net Income 2021: -$60,9652021Revenue 2022: $321,456Expenses 2022: $314,329Net Income 2022: $7,1272022Revenue 2023: $329,613Expenses 2023: $307,982Net Income 2023: $21,6312023Revenue 2024: $344,177Expenses 2024: $311,786Net Income 2024: $32,3912024Revenue 2025: $401,129Expenses 2025: $356,561Net Income 2025: $44,5682025

Highlighted filing

2025

Revenue$401,129
Expenses$356,561
Net Income$44,568
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 10, 2026
Return Version
2025v4.0
Gross Receipts
$401,129
Mission and Program Overview

Mission

To facilitate college attendance

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$3,409,207$3,394,973▼ $14,234
Savings and Temporary Cash Investments$206,098$166,408▼ $39,690
Cash and Non-Interest-Bearing Accounts$182,804$126,008▼ $56,796
Total Assets$3,798,109$3,687,389▼ $110,720
Liabilities
Mortgage Notes Payable Secured by Investment Property$2,215,108$2,059,820▼ $155,288
Accounts Payable and Accrued Expenses$45,339$45,339→ $0
Total Liabilities$2,260,447$2,105,159▼ $155,288
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,537,662$1,582,230▲ $44,568
Total Net Assets Fund Balance$1,537,662$1,582,230▲ $44,568
Total Liabilities and Net Assets / Fund Balance$3,798,109$3,687,389▼ $110,720

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,379,973$2,573,636$5,953,609
Land$15,000-$15,000
Compensation and Service Providers
Top Officer Pay85th percentile

Board Members and Trustees

NameTitle
William ThomasPresident
James R SowersAssistant Tr
Ken LudwigSecretary
Chris MarcusTreasurer
Christopher IsomVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$52,812
Program Service Revenue
$0
Investment Income
$1,205
Other Revenue
$347,112
All Other Contributions
$52,812
Change in Net Assets
$44,568
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$356,561
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Depreciation Depletion---$171,308
Interest---$84,665
Occupancy---$17,509
Other Expenses---$5,665
All Other Expenses---$2,037
Fees for Services Accounting---$710
Total Functional Expenses$0$0$0$356,561
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Management duties delegated
No

Governance Explanations

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
Students Educational & Loan Foundat
EIN
43-6052502
Phone
5733644003
Address
PO BOX 1884, ROLLA, MO 65402-1884
Doing Business As
Students Educational & Loan Foundat

Signing Officer

Name
James R Sowers
Title
Assistant Treasurer
Phone
5733644003
Signed
2026-03-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Thomas
Voting Board Members
14
Independent Board Members
14
Employees
0

Preparer

Firm
AGC-ALFERMANN GRAY & CO CPA'S LLC
Address
219 W STATE RTE 72, ROLLA, MO 65401-4102
Preparer
Larry L Gray CPA
Phone
5733641700
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To facilitate college attendance”

Raw XML Appendix274 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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ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LARRY L GRAY CPA
ReturnHeader/ReturnTs02026-04-08T17:43:38-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,687,389
Liabilities
$2,105,159
Net assets
$1,582,230
Revenue
$401,129
Expenses
$356,561
Net income
$44,568
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.69$2.11$1.58$0.40$0.36$0.04
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.80$2.26$1.54$0.34$0.31$0.03
2023Summary only. Only limited summary data is available for this year.$3.86$2.37$1.49$0.33$0.31$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.98$2.51$1.47$0.32$0.31$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.12$2.66$1.46$0.28$0.34$0.06
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.31$2.79$1.52$0.27$0.32$0.06
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.51$2.92$1.59$0.31$0.33$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.66$3.07$1.60$0.39$0.38$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.82$3.23$1.59$0.34$0.38$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.04$3.41$1.64$0.32$0.40$0.08
2015Detailed filing. Detailed filing data is available for this year.$5.18$3.46$1.72$1.00$0.39$0.61
2014Detailed filing. Detailed filing data is available for this year.$4.91$3.80$1.11$0.78$0.13$0.65
2013Detailed filing. Detailed filing data is available for this year.$0.46$0.46$0.07$0.05$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.44$0.44$0.08$0.07$0.00
2011Summary only. Only limited summary data is available for this year.$0.43$0.00$0.07$0.07$0.00