Civic Intelligence

Foundation Credit Union

990 • Fiscal year 2013 • EIN 44-0444355

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 03, 2014

Organization ProfileWWW.FOUNDATIONCREDITUNION.COM

View Organization Page

1726 W ElfindaleSpringfield, MO 65807

(417) 895-2770

Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

99th percentile

41.90x

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

85th percentile

19%

Higher net margin than 85% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

34th percentile

$115,340

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 8.5% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

23rd percentile

-0.7%

Faster asset growth than 23% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M 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 / Assets30th percentile

Assets

Down

$64,885,050

Down $467,567 (-0.7%) from 2012

Net Assets

Up

$8,041,842

Up $257,065 (+3.3%) from 2012

Liabilities

Down

$56,843,208

Down $724,632 (-1.3%) from 2012

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin85th percentile

Revenue

$1,356,560

No earlier filing loaded for comparison.

Expenses

Up

$1,099,495

Up $129,791 (+13%) from 2012

Net Income

$257,065

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

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

$80M$60M$40M$20M$0Assets 2011: $68,677,671Liabilities 2011: $61,395,453Net Assets 2011: $7,282,2182011Assets 2012: $65,352,617Liabilities 2012: $57,567,840Net Assets 2012: $7,784,7772012Assets 2013: $64,885,050Liabilities 2013: $56,843,208Net Assets 2013: $8,041,8422013Assets 2014: $62,951,028Liabilities 2014: $54,647,335Net Assets 2014: $8,303,6932014Assets 2015: $63,689,871Liabilities 2015: $55,098,436Net Assets 2015: $8,591,4352015Assets 2016: $63,853,752Liabilities 2016: $55,113,497Net Assets 2016: $8,740,2552016Assets 2017: $64,370,576Liabilities 2017: $55,416,674Net Assets 2017: $8,953,9022017Assets 2018: $58,342,986Liabilities 2018: $49,329,496Net Assets 2018: $9,013,4902018Assets 2019: $64,428,190Liabilities 2019: $55,286,670Net Assets 2019: $9,141,5202019Assets 2020: $66,261,166Liabilities 2020: $56,923,262Net Assets 2020: $9,337,9042020Assets 2021: $74,462,485Liabilities 2021: $64,740,657Net Assets 2021: $9,721,8282021Assets 2022: $75,745,911Liabilities 2022: $65,591,137Net Assets 2022: $10,154,7742022Assets 2023: $71,528,022Liabilities 2023: $61,297,289Net Assets 2023: $10,230,7332023Assets 2024: $68,300,825Liabilities 2024: $57,877,361Net Assets 2024: $10,423,4642024

Highlighted filing

2013

Assets$64,885,050
Liabilities$56,843,208
Net Assets$8,041,842
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,172,3312011Expenses 2012: $969,7042012Revenue 2013: $1,356,560Expenses 2013: $1,099,495Net Income 2013: $257,0652013Revenue 2014: $1,288,769Expenses 2014: $1,026,918Net Income 2014: $261,8512014Revenue 2015: $1,296,808Expenses 2015: $1,009,066Net Income 2015: $287,7422015Revenue 2016: $1,471,001Expenses 2016: $1,322,181Net Income 2016: $148,8202016Revenue 2017: $1,689,338Expenses 2017: $1,475,691Net Income 2017: $213,6472017Revenue 2018: $2,005,667Expenses 2018: $1,946,079Net Income 2018: $59,5882018Revenue 2019: $2,059,511Expenses 2019: $1,931,481Net Income 2019: $128,0302019Revenue 2020: $2,063,818Expenses 2020: $1,867,434Net Income 2020: $196,3842020Revenue 2021: $2,280,758Expenses 2021: $1,896,834Net Income 2021: $383,9242021Revenue 2022: $2,698,734Expenses 2022: $2,265,788Net Income 2022: $432,9462022Revenue 2023: $2,883,201Expenses 2023: $2,759,903Net Income 2023: $123,2982023Revenue 2024: $3,405,120Expenses 2024: $3,212,389Net Income 2024: $192,7312024

Highlighted filing

2013

Revenue$1,356,560
Expenses$1,099,495
Net Income$257,065
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 3, 2014
Return Version
2013v3.1
Gross Receipts
$1,356,560
Mission and Program Overview

Mission

We provide savings accounts and loans to credit union members. These members consist of individuals and their families who work or live in greene, christian, polk, or webster counties.

We provide savings accounts and loans to credit union members. These members consist of employees, retirees and their families who are affiliated with the school districts of greene and adjoining counties.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$41,890,536$42,112,536▲ $222,000
Other Notes and Loans Receivable, Net$18,247,626$18,135,551▼ $112,075
Rtn Earn Endowment Incm Other Fnds$7,784,777$8,041,842▲ $257,065
Savings and Temporary Cash Investments$2,786,889$2,244,129▼ $542,760
Land, Buildings, and Equipment, Net$1,193,467$1,134,539▼ $58,928
Cash and Non-Interest-Bearing Accounts$583,996$633,201▲ $49,205
Investments Program Related$552,581$546,722▼ $5,859
Prepaid Expenses and Deferred Charges$17,993$3,917▼ $14,076
Total Assets$65,352,617$64,885,050▼ $467,567
Other Assets Total$79,529$74,455▼ $5,074
Liabilities
Other Liabilities$57,510,021$56,765,942▼ $744,079
Accounts Payable and Accrued Expenses$57,819$77,266▲ $19,447
Total Liabilities$57,567,840$56,843,208▼ $724,632
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,784,777$8,041,842▲ $257,065
Total Liabilities and Net Assets / Fund Balance$65,352,617$64,885,050▼ $467,567

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$860,663$46,234$906,897
Equipment$179,948$164,112$344,060
Land$93,928-$93,928
Other Securities$356,036--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sammie HermannPresidentFT$104,000$11,340$115,340

Board Members and Trustees

NameTitle
Debra HickeyChairman
Wally ThompsonVice Chairma
Jerome RansomBoard Member
Kim StrubbergBoard Member
Forrest OwnesTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$847,437
Investment Income
$509,123
Other Revenue
$0
Change in Net Assets
$257,065

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,356,560
Total Revenue per Audited Statements
$1,356,560
Total Revenue per Form 990
$1,356,560
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$749,183
Salaries, Compensation, and Employee Benefits$350,312
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$293,092
Office Expenses---$215,902
Other Salaries and Wages---$171,679
Current Officers, Directors, Trustees, and Key Employees---$104,000
Information Technology---$51,208
All Other Expenses---$45,620
Other Employee Benefits---$39,308
Payroll Taxes---$35,325
Other Expenses---$24,234
Insurance---$14,531
Travel---$6,607
Total Functional Expenses$0$0$0$1,099,495

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,099,495
Total Expenses per Audited Statements$1,099,495
Total Expenses per Form 990$1,099,495
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
Membership Share Account$56,765,942
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
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, Page 6, Part VI, Line 7A

“The credit union members elect all of the board of directors on an annual basis.”

Form 990, Page 6, Part VI, Line 7B

“Any changes to the credit union by-laws are subject to approval of the members.”

Form 990, Page 6, Part VI, Line 11B

“The tax return is reviewed by the president before signing the e-file authorization, then presented to the board of directors at their next meeting.”

Form 990, Page 6, Part VI, Line 12C

“Compliance with the conflict of interest policy is monitored by the staff of the credit union and the board of directors.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews and approves all employee compensation.”

Form 990, Page 6, Part VI, Line 19

“The audit report and tax return are available on request at the credit union office.”

Filing and Contact Details

Filer

EIN
44-0444355
Phone
4178952770

Signing Officer

Name
Sammie Hermann
Title
President
Phone
4178952770
Signed
2014-03-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sammie Hermann
Formed
1933
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
12
Volunteers
9

Preparer

Preparer
Douglas Haning
Phone
4178822650
Raw XML Appendix321 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/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MEMBERS ELECT ALL OF THE BOARD OF DIRECTORS ON AN ANNUAL BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY CHANGES TO THE CREDIT UNION BY-LAWS ARE SUBJECT TO APPROVAL OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE TAX RETURN IS REVIEWED BY THE PRESIDENT BEFORE SIGNING THE E-FILE AUTHORIZATION, THEN PRESENTED TO THE BOARD OF DIRECTORS AT THEIR NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY IS MONITORED BY THE STAFF OF THE CREDIT UNION AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL EMPLOYEE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE AUDIT REPORT AND TAX RETURN ARE AVAILABLE ON REQUEST AT THE CREDIT UNION OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt065352617
IRS990/TotalAssetsEOYAmt064885050
IRS990/TotalAssetsGrp/BOYAmt065352617
IRS990/TotalAssetsGrp/EOYAmt064885050
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01099495
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt057567840
IRS990/TotalLiabilitiesEOYAmt056843208
IRS990/TotalLiabilitiesGrp/BOYAmt057567840
IRS990/TotalLiabilitiesGrp/EOYAmt056843208
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07784777
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08041842
IRS990/TotalOtherCompensationAmt011340
IRS990/TotalProgramServiceRevenueAmt0847437
IRS990/TotalReportableCompFromOrgAmt0104000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01356560
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01356560
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt065352617
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt064885050
IRS990/TravelGrp/TotalAmt06607
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101726 W ELFINDALE
IRS990/USAddress/City0SPRINGFIELD
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode065807
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.FOUNDATIONCREDITUNION.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SAMMIE HERMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04178952770
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-03
ReturnHeader/Filer/BusinessName/BusinessNameLine10FOUNDATION CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FOUN
ReturnHeader/Filer/EIN0440444355
ReturnHeader/Filer/PhoneNum04178952770
ReturnHeader/Filer/USAddress/AddressLine101726 W ELFINDALE
ReturnHeader/Filer/USAddress/City0SPRINGFIELD
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode065807
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10HLAVACEK MORRIS MCINTYRE YATES DANIELSON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101200 E WOODHURST DR STE S100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SPRINGFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0658044214
ReturnHeader/PreparerPersonGrp/PhoneNum04178822650
ReturnHeader/PreparerPersonGrp/PreparationDt02014-03-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DOUGLAS HANING
ReturnHeader/ReturnTs02014-03-20T10:01:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$64,885,050
Liabilities
$56,843,208
Net assets
$8,041,842
Revenue
$1,356,560
Expenses
$1,099,495
Net income
$257,065
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$68.3$57.9$10.4$3.41$3.21$0.19
2023Detailed filing. Detailed filing data is available for this year.$71.5$61.3$10.2$2.88$2.76$0.12
2022Detailed filing. Detailed filing data is available for this year.$75.7$65.6$10.2$2.70$2.27$0.43
2021Detailed filing. Detailed filing data is available for this year.$74.5$64.7$9.72$2.28$1.90$0.38
2020Detailed filing. Detailed filing data is available for this year.$66.3$56.9$9.34$2.06$1.87$0.20
2019Detailed filing. Detailed filing data is available for this year.$64.4$55.3$9.14$2.06$1.93$0.13
2018Detailed filing. Detailed filing data is available for this year.$58.3$49.3$9.01$2.01$1.95$0.06
2017Detailed filing. Detailed filing data is available for this year.$64.4$55.4$8.95$1.69$1.48$0.21
2016Detailed filing. Detailed filing data is available for this year.$63.9$55.1$8.74$1.47$1.32$0.15
2015Detailed filing. Detailed filing data is available for this year.$63.7$55.1$8.59$1.30$1.01$0.29
2014Detailed filing. Detailed filing data is available for this year.$63.0$54.6$8.30$1.29$1.03$0.26
2013Detailed filing. Detailed filing data is available for this year.$64.9$56.8$8.04$1.36$1.10$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.4$57.6$7.78$0.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.7$61.4$7.28$1.17