Civic Intelligence

St Joseph Teachers' Credit Union

990 • Fiscal year 2012 • EIN 44-0419965

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 25, 2013

Organization ProfileWWW.SJTCREDITUNION.COM
2316 Village Drive64506
Siviq Scores

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

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

69th percentile

3.8%

Faster asset growth than 69% of similar nonprofits.

2012 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$6,233,983

Up $230,969 (+3.8%) from 2011

Net Assets

Up

$497,322

Up $21,364 (+4.5%) from 2011

Liabilities

Up

$5,736,661

Up $209,605 (+3.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$236,634

Down $33,919 (-13%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$10M$5.0M$0Assets 2010: $5,637,716Liabilities 2010: $5,157,859Net Assets 2010: $479,8572010Assets 2011: $6,003,014Liabilities 2011: $5,527,056Net Assets 2011: $475,9582011Assets 2012: $6,233,983Liabilities 2012: $5,736,661Net Assets 2012: $497,3222012Assets 2013: $6,857,098Liabilities 2013: $6,342,116Net Assets 2013: $514,9822013Assets 2014: $7,484,352Liabilities 2014: $6,949,613Net Assets 2014: $534,7392014Assets 2015: $7,537,073Liabilities 2015: $6,972,957Net Assets 2015: $564,1162015Assets 2016: $8,009,447Liabilities 2016: $7,405,303Net Assets 2016: $604,1442016Assets 2017: $8,023,088Liabilities 2017: $7,403,572Net Assets 2017: $619,5162017Assets 2018: $8,099,526Liabilities 2018: $7,472,215Net Assets 2018: $627,3112018Assets 2019: $8,599,819Liabilities 2019: $7,935,722Net Assets 2019: $664,0972019Assets 2020: $9,564,666Liabilities 2020: $8,860,652Net Assets 2020: $704,0142020Assets 2021: $9,686,224Liabilities 2021: $8,966,833Net Assets 2021: $719,3912021Assets 2022: $9,522,252Liabilities 2022: $8,791,862Net Assets 2022: $730,3902022Assets 2023: $8,810,963Liabilities 2023: $8,056,522Net Assets 2023: $754,4412023Assets 2024: $8,488,101Liabilities 2024: $7,657,899Net Assets 2024: $830,2022024Assets 2025: $8,746,510Liabilities 2025: $7,829,107Net Assets 2025: $917,4032025

Highlighted filing

2012

Assets$6,233,983
Liabilities$5,736,661
Net Assets$497,322
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0Expenses 2010: $305,8692010Expenses 2011: $270,5532011Expenses 2012: $236,6342012Revenue 2013: $242,846Expenses 2013: $225,186Net Income 2013: $17,6602013Revenue 2014: $255,098Expenses 2014: $235,674Net Income 2014: $19,4242014Revenue 2015: $263,146Expenses 2015: $233,769Net Income 2015: $29,3772015Revenue 2016: $275,915Expenses 2016: $235,887Net Income 2016: $40,0282016Revenue 2017: $270,258Expenses 2017: $254,946Net Income 2017: $15,3122017Revenue 2018: $289,646Expenses 2018: $281,910Net Income 2018: $7,7362018Revenue 2019: $308,488Expenses 2019: $271,752Net Income 2019: $36,7362019Revenue 2020: $286,900Expenses 2020: $247,769Net Income 2020: $39,1312020Revenue 2021: $259,576Expenses 2021: $244,240Net Income 2021: $15,3362021Revenue 2022: $267,173Expenses 2022: $260,472Net Income 2022: $6,7012022Revenue 2023: $305,484Expenses 2023: $281,433Net Income 2023: $24,0512023Revenue 2024: $396,089Expenses 2024: $320,328Net Income 2024: $75,7612024Revenue 2025: $442,592Expenses 2025: $355,391Net Income 2025: $87,2012025

Highlighted filing

2012

Revenue-
Expenses$236,634
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 25, 2013
Return Version
2012v2.1
Gross Receipts
$257,998
Mission and Program Overview

Mission

Provider of financial services for mutual purpose

Major Activities

Activity 2
Provides a source of credit to members at a fair & reasonable rate of interest (549 loans outstanding at december 31, 2012.)
Filing and Contact Details

Filer

EIN
44-0419965
Raw XML Appendix374 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE ORGANIZATION WAS ABLE TO REVIEW THE TAX RETURN BEFORE IT WAS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS A SMALL, LOCAL ORGANIZATION. ALL MEMBERS ARE KNOWN BY THE CREDIT UNION EMPLOYEES. THERE HAS NOT BEEN AN ISSUE REGARDING CONFLICT OF INTEREST. HOWEVER, THE CREDIT UNION HAS POLICIES IN PLACE THAT WOULD ALLOW THEM TO PROPERLY AND EFFICIENTLY HANDLE ANY SITUATION THAT MAY ARISE.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION HAS AN ANNUAL MEETING, USUALLY IN DECEMBER, WHERE THE BOARD OF DIRECTORS REVIEW AND DISCUSS ALL CREDIT UNIOIN EMPLOYEES' SALARIES AND INCREASE IN PAY. ALL COMPENSATION AMOUNTS ARE VOTED ON AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE COMPENSATION OF ALL EMPLOYEES IS SET AND AUTHORIZED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4ALL DOCUMENTS ARE AVAILABLE UPON REQUEST AND ARE AVAILABLE TO MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier1ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier2COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier3COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier4GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
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IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 12C
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IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/Officer/Name0JAUNITA HERRERA
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ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10CHV ACCOUNTING & CONSULTING SERVICESINC
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ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0SAINT JOSEPH
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0645011738
ReturnHeader/Preparer/Name0ANN HOY
ReturnHeader/Preparer/Phone08163641118
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-14T12:24:54-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,233,983
Liabilities
$5,736,661
Net assets
$497,322
Revenue
-
Expenses
$236,634
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$8.75$7.83$0.92$0.44$0.36$0.09
2024Detailed filing. Detailed filing data is available for this year.$8.49$7.66$0.83$0.40$0.32$0.08
2023Detailed filing. Detailed filing data is available for this year.$8.81$8.06$0.75$0.31$0.28$0.02
2022Detailed filing. Detailed filing data is available for this year.$9.52$8.79$0.73$0.27$0.26$0.01
2021Detailed filing. Detailed filing data is available for this year.$9.69$8.97$0.72$0.26$0.24$0.02
2020Detailed filing. Detailed filing data is available for this year.$9.56$8.86$0.70$0.29$0.25$0.04
2019Detailed filing. Detailed filing data is available for this year.$8.60$7.94$0.66$0.31$0.27$0.04
2018Detailed filing. Detailed filing data is available for this year.$8.10$7.47$0.63$0.29$0.28$0.01
2017Detailed filing. Detailed filing data is available for this year.$8.02$7.40$0.62$0.27$0.25$0.02
2016Detailed filing. Detailed filing data is available for this year.$8.01$7.41$0.60$0.28$0.24$0.04
2015Detailed filing. Detailed filing data is available for this year.$7.54$6.97$0.56$0.26$0.23$0.03
2014Detailed filing. Detailed filing data is available for this year.$7.48$6.95$0.53$0.26$0.24$0.02
2013Detailed filing. Detailed filing data is available for this year.$6.86$6.34$0.51$0.24$0.23$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.23$5.74$0.50$0.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.00$5.53$0.48$0.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.64$5.16$0.48$0.31