Civic Intelligence

Four Four Credit Union

EIN 43-6068823 • 501(c)14 • St Louis, MO

View Organization Page

Profile

The four four credit union is a member-owned and controlled, not-for- profit financial cooperative which exists to meet the financial needs of its members. Our goal is to encourage regular savings and provide loans at favorable rates while maintaining our financial stability.

PO Box 442St Louis, MO 63166-0442

www.fourfourcu.com

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

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

Liabilities / Revenue

99th percentile

44.40x

Higher debt load relative to revenue than 99% of similar nonprofits.

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

Net Margin

6th percentile

-29%

Higher net margin than 6% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

89th percentile

8.4%

Faster asset growth than 89% of similar nonprofits.

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 / Assets90th percentile

Assets

Up

$10,643,582

Up $43,809 (+0.4%) from 2013

Liabilities

Up

$9,789,211

Up $61,322 (+0.6%) from 2013

Net Assets

Down

$854,371

Down $17,513 (-2.0%) from 2013

Operations
Liabilities / Revenue99th percentileNet Margin6th percentile

Revenue

Up

$243,187

Up $24,083 (+11%) from 2013

Expenses

Down

$260,700

Down $21,692 (-7.7%) from 2013

Net Income

Up

-$17,513

Up $45,775 (+72%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$15M$10M$5.0M$0Assets 2010: $9,416,993Liabilities 2010: $8,379,543Net Assets 2010: $1,037,4502010Assets 2011: $9,561,965Liabilities 2011: $8,566,322Net Assets 2011: $995,6432011Assets 2012: $9,775,731Liabilities 2012: $8,840,559Net Assets 2012: $935,1722012Assets 2013: $10,599,773Liabilities 2013: $9,727,889Net Assets 2013: $871,8842013Assets 2014: $10,643,582Liabilities 2014: $9,789,211Net Assets 2014: $854,3712014

Highlighted filing

2014

Assets$10,643,582
Liabilities$9,789,211
Net Assets$854,371
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $334,4332010Expenses 2011: $308,5562011Expenses 2012: $306,8322012Revenue 2013: $219,104Expenses 2013: $282,392Net Income 2013: -$63,2882013Revenue 2014: $243,187Expenses 2014: $260,700Net Income 2014: -$17,5132014

Highlighted filing

2014

Revenue$243,187
Expenses$260,700
Net Income-$17,513
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,643,582
Liabilities
$9,789,211
Net assets
$854,371
Revenue
$243,187
Expenses
$260,700
Net income
-$17,513
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$10.6$9.79$0.85$0.24$0.26$0.02
2013Detailed filing. Detailed filing data is available for this year.$10.6$9.73$0.87$0.22$0.28$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.78$8.84$0.94$0.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.56$8.57$1.00$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.42$8.38$1.04$0.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 7, 2015
Return Version
2014v5.0
Gross Receipts
$243,187
Mission and Program Overview

Mission

The four four credit union is a member-owned and controlled, not-for- profit financial cooperative which exists to meet the financial needs of its members. Our goal is to encourage regular savings and provide loans at favorable rates while maintaining our financial stability.

The four four credit union is a member-owned and controlled, not-for-profit financial cooperative which exists to meet the financial needs of its members. Our goal is to encourage regular savings and provide loans at favorable rates while maintaining our financial stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,355,653$5,528,454▲ $1,172,801
Savings and Temporary Cash Investments$6,002,913$4,782,744▼ $1,220,169
Rtn Earn Endowment Incm Other Fnds$871,884$854,371▼ $17,513
Cash and Non-Interest-Bearing Accounts$127,782$167,841▲ $40,059
Land, Buildings, and Equipment, Net$15,049$5,163▼ $9,886
Prepaid Expenses and Deferred Charges$1,058$3,034▲ $1,976
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,599,773$10,643,582▲ $43,809
Other Assets Total$97,318$156,346▲ $59,028
Liabilities
Other Liabilities$9,717,123$9,782,823▲ $65,700
Accounts Payable and Accrued Expenses$10,766$6,388▼ $4,378
Total Liabilities$9,727,889$9,789,211▲ $61,322
Net Assets / Fund Balance
Total Net Assets Fund Balance$871,884$854,371▼ $17,513
Total Liabilities and Net Assets / Fund Balance$10,599,773$10,643,582▲ $43,809

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,163$146,936$152,099
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HagemmannManagerFT$55,000$4,770$59,770

Board Members and Trustees

NameTitle
Gary AuerPresident
Reggie TillittVice President
Brian GunterDirector
Christopher SaykesDirector
Dennis BlaseDirector
Ken FranklinDirector
Kim BergfeldDirector
Sidney FrazierDirector
Tiffany SteckoDirector
Rebecca RobertsSecretary
Karl BissettTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$221,737
Investment Income
$21,450
Other Revenue
$0
Change in Net Assets
$-17,513
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$148,938
Salaries, Compensation, and Employee Benefits$111,762
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---$59,770
Office Expenses---$42,586
Other Salaries and Wages---$38,325
Information Technology---$12,977
Depreciation Depletion---$9,886
Occupancy---$9,000
Payroll Taxes---$8,320
Other Expenses---$7,959
Insurance---$7,437
Fees for Services Accounting---$7,341
Other Employee Benefits---$5,262
All Other Expenses---$217
Conferences and Meetings---$150
Pension Plan Contributions---$85
Interest---$37
Total Functional Expenses$0$0$0$260,700
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$9,782,823
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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 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 bylaws and mergers 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 details of the form 990 before presenting it to the board of directors for approval.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis, officers, directors and key employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board of directors reviews and approves all compensation, including that of the manager. The form 990 of other organizations and surveys are used in this process. Deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the lobby, 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

Filer Name
Four Four Credit Union
EIN
43-6068823
Phone
3144448904
Address
PO BOX 442, ST LOUIS, MO 63166-0442

Signing Officer

Name
Dennis Hagemann
Title
Manager
Phone
3144448904
Signed
2015-04-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dennis Hagemann
Formed
1940
Legal Domicile
Mo
Voting Board Members
11
Independent Board Members
11
Employees
4
Volunteers
14

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
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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/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0871884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0854371
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06002913
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04782744
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt05163
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0146936
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0152099
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09782823
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05163
IRS990ScheduleD/TotalLiabilityAmt09782823
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MANAGER REVIEWS DETAILS OF THE FORM 990 BEFORE PRESENTING IT TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THAT OF THE MANAGER. THE FORM 990 OF OTHER ORGANIZATIONS AND SURVEYS ARE USED IN THIS PROCESS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY, 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 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
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/TotalAssetsBOYAmt010599773
IRS990/TotalAssetsEOYAmt010643582
IRS990/TotalAssetsGrp/BOYAmt010599773
IRS990/TotalAssetsGrp/EOYAmt010643582
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0260700
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt09727889
IRS990/TotalLiabilitiesEOYAmt09789211
IRS990/TotalLiabilitiesGrp/BOYAmt09727889
IRS990/TotalLiabilitiesGrp/EOYAmt09789211
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0871884
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0854371
IRS990/TotalOtherCompensationAmt04770
IRS990/TotalProgramServiceRevenueAmt0221737
IRS990/TotalReportableCompFromOrgAmt055000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0243187
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0243187
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010599773
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010643582
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 442
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631660442
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.FOURFOURCU.COM
IRS990/WhistleblowerPolicyInd01
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS HAGEMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03144448904
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FOUR FOUR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FOUR
ReturnHeader/Filer/EIN0436068823
ReturnHeader/Filer/PhoneNum03144448904
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 442
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631660442
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02015-04-07T12:06:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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