Civic Intelligence

Four Four Credit Union

990 • Fiscal year 2013 • EIN 43-6068823

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 17, 2014

Organization ProfileWWW.FOURFOURCU.COM

View Organization Page

PO Box 44263166

(314) 444-8904

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

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

2013 filings • 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.

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

Net Margin

5th percentile

-29%

Higher net margin than 5% 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

92nd percentile

8.4%

Faster asset growth than 92% 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 / Assets90th percentile

Assets

Up

$10,599,773

Up $824,042 (+8.4%) from 2012

Net Assets

Down

$871,884

Down $63,288 (-6.8%) from 2012

Liabilities

Up

$9,727,889

Up $887,330 (+10%) from 2012

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin5th percentile

Revenue

$219,104

No earlier filing loaded for comparison.

Expenses

Down

$282,392

Down $24,440 (-8.0%) from 2012

Net Income

-$63,288

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$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

2013

Assets$10,599,773
Liabilities$9,727,889
Net Assets$871,884
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$219,104
Expenses$282,392
Net Income-$63,288
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 17, 2014
Return Version
2013v3.0
Gross Receipts
$219,104
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
Savings and Temporary Cash Investments$5,381,118$6,002,913▲ $621,795
Other Notes and Loans Receivable, Net$4,152,212$4,355,653▲ $203,441
Rtn Earn Endowment Incm Other Fnds$935,172$871,884▼ $63,288
Cash and Non-Interest-Bearing Accounts$121,507$127,782▲ $6,275
Land, Buildings, and Equipment, Net$22,704$15,049▼ $7,655
Prepaid Expenses and Deferred Charges$1,058$1,058→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$9,775,731$10,599,773▲ $824,042
Other Assets Total$97,132$97,318▲ $186
Liabilities
Other Liabilities$8,831,619$9,717,123▲ $885,504
Accounts Payable and Accrued Expenses$8,940$10,766▲ $1,826
Total Liabilities$8,840,559$9,727,889▲ $887,330
Net Assets / Fund Balance
Total Net Assets Fund Balance$935,172$871,884▼ $63,288
Total Liabilities and Net Assets / Fund Balance$9,775,731$10,599,773▲ $824,042

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$15,049$137,050$152,099
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Dennis HagemmannManagerFT$52,500$4,445$56,945

Board Members and Trustees

NameTitle
Philip KnightPresident
Gary AuerVice President
Brian GunterDirector
Christopher SaykesDirector
Kenneth FranklinDirector
Kimberly BergfeldDirector
Mark BuetheDirector
Sidney FrazierDirector
Tiffany SteckoDirector
Rebecca RobertsSecretary
Reggie TillittTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$202,416
Investment Income
$16,688
Other Revenue
$0
Change in Net Assets
$-63,288
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$174,525
Salaries, Compensation, and Employee Benefits$107,867
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---$56,945
Office Expenses---$39,144
Other Salaries and Wages---$37,853
Information Technology---$13,170
All Other Expenses---$11,013
Depreciation Depletion---$9,391
Occupancy---$9,000
Other Expenses---$8,208
Insurance---$7,312
Payroll Taxes---$7,265
Fees for Services Accounting---$6,987
Other Employee Benefits---$5,634
Fees for Services Other---$501
Fees for Services Legal---$200
Conferences and Meetings---$171
Pension Plan Contributions---$170
Interest---$66
Total Functional Expenses$0$0$0$282,392
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$9,717,123
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

EIN
43-6068823
Phone
3144448904

Signing Officer

Name
Dennis Hagemann
Title
Manager
Phone
3144448904
Signed
2014-03-17
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
2
Volunteers
14

Preparer

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/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/MissionDesc0THE 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.
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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 519 LOANS OUTSTANDING TOTALING $4,369,915.
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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/TotalAssetsBOYAmt09775731
IRS990/TotalAssetsEOYAmt010599773
IRS990/TotalAssetsGrp/BOYAmt09775731
IRS990/TotalAssetsGrp/EOYAmt010599773
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0282392
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt08840559
IRS990/TotalLiabilitiesEOYAmt09727889
IRS990/TotalLiabilitiesGrp/BOYAmt08840559
IRS990/TotalLiabilitiesGrp/EOYAmt09727889
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0935172
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0871884
IRS990/TotalOtherCompensationAmt04445
IRS990/TotalProgramServiceRevenueAmt0202416
IRS990/TotalReportableCompFromOrgAmt052500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0219104
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0219104
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt09775731
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010599773
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 442
IRS990/USAddress/City0ST LOUIS
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063166
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.FOURFOURCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENNIS HAGEMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03144448904
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10FOUR FOUR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FOUR
ReturnHeader/Filer/EIN0436068823
ReturnHeader/Filer/PhoneNum03144448904
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 442
ReturnHeader/Filer/USAddress/City0ST LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063166
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/ReturnTs02014-03-17T10:57:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$10,599,773
Liabilities
$9,727,889
Net assets
$871,884
Revenue
$219,104
Expenses
$282,392
Net income
-$63,288
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