Civic Intelligence

Neosho School Employees Credit Union

EIN 44-6012902 • 501(c)14 • Neosho, MO

Profile

Not for profit credit union, incorporated under missorui statutes. Purpose is to encourage thrift among members, be a source of credit at fair & reasonable rates, provide mutual benefits & general welfare of members with earnings, savings and service to members.

214 S Neosho Blvd Suite BNeosho, MO 64850

www.neoshosecu.com

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.82x

Higher debt load relative to assets than 52% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Liabilities / Revenue

80th percentile

17.79x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Net Margin

98th percentile

39%

Higher net margin than 98% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Top Officer Pay

31st percentile

$22,408

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 23.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2023

Asset Growth

36th percentile

-26%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Revenue Growth

98th percentile

32%

Faster revenue growth than 98% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Down

$2,068,348

Down $718,090 (-26%) from 2022

Liabilities

Down

$1,692,918

Down $754,972 (-31%) from 2022

Net Assets

Up

$375,430

Up $36,882 (+11%) from 2022

Operations
Liabilities / Revenue80th percentileNet Margin98th percentile

Revenue

Up

$95,164

Up $23,042 (+32%) from 2022

Expenses

Down

$58,282

Down $1,038 (-1.7%) from 2022

Net Income

Up

$36,882

Up $24,080 (+188%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$3.0M$2.0M$1.0M$0Assets 2020: $2,626,633Liabilities 2020: $2,297,873Net Assets 2020: $328,7602020Assets 2021: $2,769,080Liabilities 2021: $2,443,342Net Assets 2021: $325,7382021Assets 2022: $2,786,438Liabilities 2022: $2,447,890Net Assets 2022: $338,5482022Assets 2023: $2,068,348Liabilities 2023: $1,692,918Net Assets 2023: $375,4302023

Highlighted filing

2023

Assets$2,068,348
Liabilities$1,692,918
Net Assets$375,430
Open 2023 Filing

Operations Trend

Revenue Growth98th percentile

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

$100K$50K$0-$50KRevenue 2020: $78,612Expenses 2020: $60,627Net Income 2020: $17,9852020Revenue 2021: $49,948Expenses 2021: $52,975Net Income 2021: -$3,0272021Revenue 2022: $72,122Expenses 2022: $59,320Net Income 2022: $12,8022022Revenue 2023: $95,164Expenses 2023: $58,282Net Income 2023: $36,8822023

Highlighted filing

2023

Revenue$95,164
Expenses$58,282
Net Income$36,882
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,068,348
Liabilities
$1,692,918
Net assets
$375,430
Revenue
$95,164
Expenses
$58,282
Net income
$36,882
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$2.07$1.69$0.38$0.10$0.06$0.04
2022Detailed filing. Detailed filing data is available for this year.$2.79$2.45$0.34$0.07$0.06$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.77$2.44$0.33$0.05$0.05$0.00
2020Detailed filing. Detailed filing data is available for this year.$2.63$2.30$0.33$0.08$0.06$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 6, 2024
Return Version
2023v5.0
Gross Receipts
$95,164
Mission and Program Overview

Mission

Not for profit credit union, incorporated under missorui statutes. Purpose is to encourage thrift among members, be a source of credit at fair & reasonable rates, provide mutual benefits & general welfare of members with earnings, savings and service to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$938,333$1,040,370▲ $102,037
Savings and Temporary Cash Investments$1,093,234$826,667▼ $266,567
Rtn Earn Endowment Incm Other Fnds$338,548$375,430▲ $36,882
Cash and Non-Interest-Bearing Accounts$692,794$107,046▼ $585,748
Receivables From Officers Etc$35,858$67,040▲ $31,182
Prepaid Expenses and Deferred Charges$5,682$6,661▲ $979
Total Assets$2,786,438$2,068,348▼ $718,090
Other Assets Total$20,537$20,564▲ $27
Liabilities
Other Liabilities$2,438,203$1,687,732▼ $750,471
Accounts Payable and Accrued Expenses$9,687$5,186▼ $4,501
Total Liabilities$2,447,890$1,692,918▼ $754,972
Net Assets / Fund Balance
Total Net Assets Fund Balance$338,548$375,430▲ $36,882
Total Liabilities and Net Assets / Fund Balance$2,786,438$2,068,348▼ $718,090
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dawn SpeakPresident/trPT$22,408$22,408

Board Members and Trustees

NameTitle
Barbara HammettPresident/ch
Jacque FaulknerBoard Member
Bari PitcherCredit Comm
Heather OvertonCredit Comm
Madaline KetchamCredit Comm
Angie PaullusSecretary
Teresa BrockmanSuper Comm C
Heidi ClantonSuper Comm M
Nancy RughSuper Comm M
Dave BrumbackVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$95,164
Other Revenue
$0
Change in Net Assets
$36,882
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$26,168
Salaries, Compensation, and Employee Benefits$24,307
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$22,408--$22,408
Benefits to Members$7,807--$7,807
Fees for Services Other$7,085--$7,085
Office Expenses$5,884--$5,884
Occupancy$5,865--$5,865
Insurance$3,852--$3,852
Payroll Taxes$1,899--$1,899
Advertising$192--$192
Other Expenses$-5--$-5
Total Functional Expenses$58,282$0$0$58,282
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$35,858$67,040▲ $31,182
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$1,611,438
Statutory Reserve$66,010
Christmas Club$10,284
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 35% controlled entity
No
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, Page 6, Part VI, Line 6

“Our members have shares (money) in the credit union, that is in turn invested (loaned) to other members in need.”

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

“Board member elections are voted on/replaced, as needed, at the credit union's annual meeting held in march each year.”

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

“Board members meet monthly and evaluate/vote on where the credit union monies are to be invested.”

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

“Copies of 990 forms are available upon request.”

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

“The policy manual guidelines set forth by the credit union are used to evaluate any conflicts, should they arise.”

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

“Compensation for managerial staff is determined by the board, in closed session.”

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

“Compensation for managerial staff is determined by the board, in closed session.”

Form 990, Page 6, Part VI, Line 19

“All documents are available upon request. Financial statements (annual budget) are presented at the annual meeting, and monthly financial statements are presented and discussed at each monthly board meeting. The year-end financial statement is on display in the credit union office.”

Filing and Contact Details

Filer

Filer Name
Neosho School Employees Credit
EIN
44-6012902
Phone
4174519512
Address
214 S NEOSHO BLVD SUITE B, NEOSHO, MO 64850

Signing Officer

Name
Dawn Speak
Title
President/treasurer
Phone
4174519512
Signed
2024-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dawn Speak
Formed
1954
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
2
Employees
1
Volunteers
10

Preparer

Firm
Underwood & Associates Pc
Address
335 S WOOD ST, NEOSHO, MO 64850
Preparer
Debra Underwood CPA
Phone
4174515749
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Not for profit credit union, incorporated under missorui statutes. Purpose is to encourage thrift among members, be a source of credit at fair & reasonable rates, provide mutual benefits & general welfare of members with earnings, savings and service to members.”

Form 990, Part IX, Line 11G

“Contract labor 1,208 0 0 data processing-1099 tax proc 203 0 0 id program-penley inc, e-fund -638 0 0 software maintenance 2,670 0 0 computer/consult expense 275 0 0 examination expense 617 0 0 auditing expenses 2,750 0 0 total 7,085 0 0”

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VEHICLE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SHARE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6TRUCK REPAIRS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9SHARE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10VEHICLE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt510000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt62500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt71000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt87000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt93000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt106000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0DAVID HAMMETT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1BARI PITCHER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2NANCY RUGH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DAVID HAMMETT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DAWN SPEAK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JOHN G BROCKMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MORGAN SPEAK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7HEIDI CLANTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8COURTNEY FARLEY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9MADALINE KETCHAM
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10JOHN G BROCKMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0FAMILY OF BOARD MEMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1CREDIT COMM CHAIR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2SUPER COMM MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3FAMILY OF BOARD MEMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PRESIDENT/TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5FAMILY OF BOARD MEMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6FAMILY OF BOARD MEMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7SUPER COMM MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8FAMILY OF BOARD MEMB
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9CREDIT COMM MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10FAMILY OF BOARD MEMB
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IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0JOHN G BROCKMAN FROM 6,000 116 VEHICLE ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART II
IRS990ScheduleL/TotalBalanceDueAmt067040
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NOT FOR PROFIT CREDIT UNION, INCORPORATED UNDER MISSORUI STATUTES. PURPOSE IS TO ENCOURAGE THRIFT AMONG MEMBERS, BE A SOURCE OF CREDIT AT FAIR & REASONABLE RATES, PROVIDE MUTUAL BENEFITS & GENERAL WELFARE OF MEMBERS WITH EARNINGS, SAVINGS AND SERVICE TO MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OUR MEMBERS HAVE SHARES (MONEY) IN THE CREDIT UNION, THAT IS IN TURN INVESTED (LOANED) TO OTHER MEMBERS IN NEED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEMBER ELECTIONS ARE VOTED ON/REPLACED, AS NEEDED, AT THE CREDIT UNION'S ANNUAL MEETING HELD IN MARCH EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD MEMBERS MEET MONTHLY AND EVALUATE/VOTE ON WHERE THE CREDIT UNION MONIES ARE TO BE INVESTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF 990 FORMS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE POLICY MANUAL GUIDELINES SET FORTH BY THE CREDIT UNION ARE USED TO EVALUATE ANY CONFLICTS, SHOULD THEY ARISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR MANAGERIAL STAFF IS DETERMINED BY THE BOARD, IN CLOSED SESSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMPENSATION FOR MANAGERIAL STAFF IS DETERMINED BY THE BOARD, IN CLOSED SESSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ALL DOCUMENTS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS (ANNUAL BUDGET) ARE PRESENTED AT THE ANNUAL MEETING, AND MONTHLY FINANCIAL STATEMENTS ARE PRESENTED AND DISCUSSED AT EACH MONTHLY BOARD MEETING. THE YEAR-END FINANCIAL STATEMENT IS ON DISPLAY IN THE CREDIT UNION OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CONTRACT LABOR 1,208 0 0 DATA PROCESSING-1099 TAX PROC 203 0 0 ID PROGRAM-PENLEY INC, E-FUND -638 0 0 SOFTWARE MAINTENANCE 2,670 0 0 COMPUTER/CONSULT EXPENSE 275 0 0 EXAMINATION EXPENSE 617 0 0 AUDITING EXPENSES 2,750 0 0 TOTAL 7,085 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART IX, LINE 11G
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IRS990/TotalEmployeeCnt01
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00

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