Civic Intelligence

Conservation Employees' Credit Union

990 • Fiscal year 2011 • EIN 44-0595869

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 05, 2012

Organization ProfileWWW.CECUONLINE.ORG

View Organization Page

PO Box 18065102
Siviq Scores

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

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

75th percentile

8.4%

Faster asset growth than 75% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$83,534,722

Up $6,439,177 (+8.4%) from 2010

Net Assets

Up

$7,584,430

Up $809,062 (+12%) from 2010

Liabilities

Up

$75,950,292

Up $5,630,115 (+8.0%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$3,216,138

Down $94,971 (-2.9%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth75th percentile

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

$200M$150M$100M$50M$0Assets 2010: $77,095,545Liabilities 2010: $70,320,177Net Assets 2010: $6,775,3682010Assets 2011: $83,534,722Liabilities 2011: $75,950,292Net Assets 2011: $7,584,4302011Assets 2012: $90,097,587Liabilities 2012: $81,952,181Net Assets 2012: $8,145,4062012Assets 2013: $94,637,977Liabilities 2013: $85,796,925Net Assets 2013: $8,841,0522013Assets 2014: $98,658,207Liabilities 2014: $89,211,618Net Assets 2014: $9,446,5892014Assets 2015: $104,449,874Liabilities 2015: $94,618,444Net Assets 2015: $9,831,4302015Assets 2016: $107,962,967Liabilities 2016: $98,029,541Net Assets 2016: $9,933,4262016Assets 2017: $113,346,067Liabilities 2017: $102,916,647Net Assets 2017: $10,429,4202017Assets 2018: $112,043,984Liabilities 2018: $101,133,733Net Assets 2018: $10,910,2512018Assets 2019: $117,254,574Liabilities 2019: $105,977,565Net Assets 2019: $11,277,0092019Assets 2020: $135,099,255Liabilities 2020: $123,447,222Net Assets 2020: $11,652,0332020Assets 2021: $149,922,463Liabilities 2021: $137,417,604Net Assets 2021: $12,504,8592021Assets 2022: $153,622,154Liabilities 2022: $142,676,588Net Assets 2022: $10,945,5662022Assets 2023: $156,286,179Liabilities 2023: $144,170,855Net Assets 2023: $12,115,3242023Assets 2024: $169,028,327Liabilities 2024: $155,909,919Net Assets 2024: $13,118,4082024

Highlighted filing

2011

Assets$83,534,722
Liabilities$75,950,292
Net Assets$7,584,430
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,311,1092010Expenses 2011: $3,216,1382011Expenses 2012: $3,205,1132012Revenue 2013: $3,682,048Expenses 2013: $2,933,005Net Income 2013: $749,0432013Revenue 2014: $3,724,305Expenses 2014: $3,040,906Net Income 2014: $683,3992014Revenue 2015: $3,738,177Expenses 2015: $3,225,348Net Income 2015: $512,8292015Revenue 2016: $3,767,128Expenses 2016: $3,309,242Net Income 2016: $457,8862016Revenue 2017: $4,044,516Expenses 2017: $3,513,155Net Income 2017: $531,3612017Revenue 2018: $4,414,860Expenses 2018: $3,690,130Net Income 2018: $724,7302018Revenue 2019: $4,699,797Expenses 2019: $4,285,700Net Income 2019: $414,0972019Revenue 2020: $4,711,493Expenses 2020: $4,137,979Net Income 2020: $573,5142020Revenue 2021: $4,756,080Expenses 2021: $4,058,682Net Income 2021: $697,3982021Revenue 2022: $5,300,078Expenses 2022: $4,294,995Net Income 2022: $1,005,0832022Revenue 2023: $6,814,765Expenses 2023: $6,064,013Net Income 2023: $750,7522023Revenue 2024: $7,664,756Expenses 2024: $6,949,598Net Income 2024: $715,1582024

Highlighted filing

2011

Revenue-
Expenses$3,216,138
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 5, 2012
Return Version
2011v1.2
Gross Receipts
$3,879,051
Mission and Program Overview

Mission

The member-owned conservation employees' credit union exists to serve the members in the best way possible within the constraints of maintaining a sound financial institution by: 1. Providing the highest interest rates possible for deposits, 2. Providing the lowest interest rates for loans, 3. Providing free services whenever possible and 4. Providing exemplary member service.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2011, there were 5,765 loans outstanding totaling $59,410,402.
Activity 3
Paid dividends on member deposits totaling $770,649 for the year.
Filing and Contact Details

Filer

EIN
44-0595869
Raw XML Appendix387 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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IRS990/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2011, THERE WERE 5,765 LOANS OUTSTANDING TOTALING $59,410,402.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $770,649 FOR THE YEAR.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY UNPAID TAX LIABILITY. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation1FAS 157 PENSION ADJUSTMENT -65,494.
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IRS990ScheduleO/GeneralExplanation/Explanation0IN 2011, THE CREDIT UNION AMENDED ITS BYLAWS TO EXPAND THE FIELD OF MEMBERSHIP TO INCLUDE THOSE WHO VOLUNTEER FOR THE MISSOURI DEPARTMENT OF CONSERVATION. THE AMENDMENT WAS FILED WITH, AND APPROVED BY, THE STATE OF MISSOURI AS REQUIRED.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO THE BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS. IN 2011, THE MEMBERS APPROVED A PROPOSED AMENDMENT EXPANDING THE CREDIT UNION'S FIELD OF MEMBERSHIP.
IRS990ScheduleO/GeneralExplanation/Explanation4THE SUPERVISORY COMMITTEE SELECTS/APPROVES THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT.
IRS990ScheduleO/GeneralExplanation/Explanation5ON AN ANNUAL BASIS, ALL EMPLOYEES AND VOLUNTEERS 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/GeneralExplanation/Explanation6THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING VARIOUS INFORMATION, INCLUDING THE COMPEASE SALARY ADMINISTRATION PROGRAM. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS ARE 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/GeneralExplanation/Explanation8Net unrealized gains on investments: 211,643. FAS 157 PENSION ADJUSTMENT -65,494. Total to Form 990, Part XI, Line 5: 146,149.
IRS990ScheduleO/GeneralExplanation/Identifier0Changes in Net Assets or Fund Balances:
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, line 4
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, line 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, line 19
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IRS990/TotalFunctionalExpenses/Total03216138
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI02668
IRS990/TotalLiabilities/BOY070320177
IRS990/TotalLiabilitiesBOY070320177
IRS990/TotalLiabilities/EOY075950292
IRS990/TotalLiabilitiesEOY075950292
IRS990/TotalLiabNetAssetsFundBalances/BOY077095545
IRS990/TotalLiabNetAssetsFundBalances/EOY083534722
IRS990/TotalNbrEmployees018
IRS990/TotalNbrVolunteers011
IRS990/TotalNetAssetsFundBalances/BOY06775368
IRS990/TotalNetAssetsFundBalances/EOY07584430
IRS990/TotalOtherCompensation025017
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue03503100
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0170209
IRS990/TotalRevenueCurrentYear03879051
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear03691153
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome03876383
IRS990/TotalRevenue/TotalRevenueColumn03879051
IRS990/TotalRevenue/UnrelatedBusinessRevenue02668
IRS990/TransactionRelatedEntity00
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.CECUONLINE.ORG
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01955
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0440595869
ReturnHeader/Filer/Name/BusinessNameLine10CONSERVATION EMPLOYEES' CREDIT UNION
ReturnHeader/Filer/NameControl0CONS
ReturnHeader/Filer/Phone05735224000
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 180
ReturnHeader/Filer/USAddress/City0JEFFERSON CITY
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode065102
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-11-05
ReturnHeader/Officer/Name0LOUIE DELK
ReturnHeader/Officer/Phone05735224000
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/EIN0431887384
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode063017
ReturnHeader/Preparer/Phone03142058601
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-11-05T17:13:05-06:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$83,534,722
Liabilities
$75,950,292
Net assets
$7,584,430
Revenue
-
Expenses
$3,216,138
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$169$156$13.1$7.66$6.95$0.72
2023Detailed filing. Detailed filing data is available for this year.$156$144$12.1$6.81$6.06$0.75
2022Detailed filing. Detailed filing data is available for this year.$154$143$10.9$5.30$4.29$1.01
2021Detailed filing. Detailed filing data is available for this year.$150$137$12.5$4.76$4.06$0.70
2020Detailed filing. Detailed filing data is available for this year.$135$123$11.7$4.71$4.14$0.57
2019Detailed filing. Detailed filing data is available for this year.$117$106$11.3$4.70$4.29$0.41
2018Detailed filing. Detailed filing data is available for this year.$112$101$10.9$4.41$3.69$0.72
2017Detailed filing. Detailed filing data is available for this year.$113$103$10.4$4.04$3.51$0.53
2016Detailed filing. Detailed filing data is available for this year.$108$98.0$9.93$3.77$3.31$0.46
2015Detailed filing. Detailed filing data is available for this year.$104$94.6$9.83$3.74$3.23$0.51
2014Detailed filing. Detailed filing data is available for this year.$98.7$89.2$9.45$3.72$3.04$0.68
2013Detailed filing. Detailed filing data is available for this year.$94.6$85.8$8.84$3.68$2.93$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.1$82.0$8.15$3.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.5$76.0$7.58$3.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$77.1$70.3$6.78$3.31
Peer Organizations

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