Civic Intelligence

State Chartered Credit Unions in Louisiana

EIN 72-0785016 • 501(c)14 • Lafayette, LA

Profile

Our mission is to help our members fulfull their financial needs by providing them with the best possible financial services.

1600 N Bertrand DrLafayette, LA 70506

www.stjcu.com

Siviq Scores

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

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

88th percentile

26.58x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

11th percentile

-17%

Higher net margin than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

19th percentile

$45,010

Higher top officer pay than 19% of similar nonprofits.

Top officer pay equals 11.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

44th percentile

-1.0%

Faster asset growth than 44% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

39th percentile

3.4%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Assets

Down

$10,855,559

Down $107,200 (-1.0%) from 2015

Liabilities

Down

$10,053,231

Down $43,555 (-0.4%) from 2015

Net Assets

Down

$802,328

Down $63,645 (-7.3%) from 2015

Revenue

Up

$378,220

Up $12,285 (+3.4%) from 2015

Expenses

Up

$441,865

Up $66,056 (+18%) from 2015

Net Income

Down

-$63,645

Down $53,771 (-545%) from 2015

Trend Graphs

Balance Sheet Trend

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

$15M$10M$5.0M$0Assets 2010: $10,616,181Liabilities 2010: $9,736,658Net Assets 2010: $879,5232010Assets 2011: $10,520,590Liabilities 2011: $9,662,736Net Assets 2011: $857,8542011Assets 2012: $10,531,936Liabilities 2012: $9,637,754Net Assets 2012: $894,1822012Assets 2013: $10,512,780Liabilities 2013: $9,626,068Net Assets 2013: $886,7122013Assets 2014: $10,482,565Liabilities 2014: $9,606,717Net Assets 2014: $875,8482014Assets 2015: $10,962,759Liabilities 2015: $10,096,786Net Assets 2015: $865,9732015Assets 2016: $10,855,559Liabilities 2016: $10,053,231Net Assets 2016: $802,3282016

Highlighted filing

2016

Assets$10,855,559
Liabilities$10,053,231
Net Assets$802,328

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2010: $497,0542010Expenses 2011: $500,6162011Expenses 2012: $387,7632012Revenue 2013: $379,923Expenses 2013: $385,970Net Income 2013: -$6,0472013Revenue 2014: $368,192Expenses 2014: $379,054Net Income 2014: -$10,8622014Revenue 2015: $365,935Expenses 2015: $375,809Net Income 2015: -$9,8742015Revenue 2016: $378,220Expenses 2016: $441,865Net Income 2016: -$63,6452016

Highlighted filing

2016

Revenue$378,220
Expenses$441,865
Net Income-$63,645

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 6, 2017
Return Version
2016v3.0
Gross Receipts
$378,220
Mission and Program Overview

Mission

Our mission is to help our members fulfull their financial needs by providing them with the best possible financial services.

Our misson is to help our members fulfill their financial needs by providing them with the best financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,967,440$4,979,448▲ $12,008
Investments Other Securities$4,787,616$4,816,092▲ $28,476
Rtn Earn Endowment Incm Other Fnds$865,973$802,328▼ $63,645
Cash and Non-Interest-Bearing Accounts$788,363$629,686▼ $158,677
Land, Buildings, and Equipment, Net$301,851$308,714▲ $6,863
Prepaid Expenses and Deferred Charges$106,277$109,724▲ $3,447
Accounts Receivable$11,212$11,895▲ $683
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,962,759$10,855,559▼ $107,200
Liabilities
Other Liabilities$10,068,950$10,014,195▼ $54,755
Accounts Payable and Accrued Expenses$27,836$39,036▲ $11,200
Total Liabilities$10,096,786$10,053,231▼ $43,555
Net Assets / Fund Balance
Total Net Assets Fund Balance$865,973$802,328▼ $63,645
Total Liabilities and Net Assets / Fund Balance$10,962,759$10,855,559▼ $107,200

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$220,556$207,200$0
Other Land Buildings$0$0$0
Land$54,045-$0
Equipment$34,113$112,512$0
Leasehold Improvements$0$0$0
Other Securities$4,816,092--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Diane LantierManagerFT$45,010$45,010
Cathy St AubinAssistant Manager, Loan SupervisorFT$36,502$36,502
Helena HowzeTellerFT$21,396$21,396
Zuri HarmonTellerFT$20,227$20,227
Emily St AubinTellerFT$4,684$4,684
Haley TrahanTellerFT$4,141$4,141

Board Members and Trustees

NameTitle
Joe LilliePresident, Board Member
Leopold Camel JrVice President, Board Member
Allen BegnaudBoard Member
June AndresBoard Member
Ken ThibodeauxBoard Member
Letha BriggsBoard Member
Betty BroussardSecretary, Board Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$44,415
Other Revenue
$333,805
Change in Net Assets
$-63,645
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$271,108
Salaries, Compensation, and Employee Benefits$150,348
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---$131,960
Office Expenses---$34,181
Fees for Services Accounting---$33,300
All Other Expenses---$25,772
Benefits to Members---$20,409
Depreciation Depletion---$19,584
Insurance---$17,257
Payroll Taxes---$10,294
Other Expenses---$8,489
Pension Plan Contributions---$5,824
Advertising---$2,462
Other Employee Benefits---$2,270
Conferences and Meetings---$1,534
Travel---$664
Total Functional Expenses$0$0$0$441,865
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
Shares$7,657,014
Share Drafts$1,039,723
Iras$851,555
Certificates of Deposit$465,903
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

All of our account holders in the credit union are considered members. They have a share in the credit union with a deposit of at least five dollars

Form 990, Part VI, Section A, Line 7A

All members of the credit union have a vote for officals at the credit union's annual meeting.

Form 990, Part VI, Section B, Line 11B

Form 990 was prepared by the assistant manager and review by the manager and the board of directors

Form 990, Part VI, Section B, Line 15

The personnel committee annually reviews all employee wages and benefits. The review job evaluation and comparable salaries from lcul and cuna. They also review the credit union's financials in their decision. Thier recomendations are presented to the board of directors. The board review the recommendations and make their decision.

Form 990, Part VI, Section C, Line 19

The board of directors approves all policies of the credit union. The credit union's financial statements are available to all members at the annual meeting and to the general public upon written request at the credit union office.

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Louisiana
EIN
72-0785016
Phone
3372611151
Address
1600 N BERTRAND DR, LAFAYETTE, LA 70506
Doing Business As
St Jules Credit Union

Signing Officer

Name
Joe Lillie
Title
President
Phone
3372611151
Signed
2017-04-06

Organization Details

Principal Officer
Joe Lillie President
Formed
1968
Legal Domicile
La
Voting Board Members
7
Independent Board Members
0
Employees
6
Volunteers
14
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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/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt05824
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0106277
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0109724
IRS990/PrincipalOfficerNm0JOE LILLIE PRESIDENT
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt022584
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt032379
IRS990/PYOtherExpensesAmt0207626
IRS990/PYOtherRevenueAmt0333556
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt0-9874
IRS990/PYSalariesCompEmpBnftPaidAmt0145599
IRS990/PYTotalExpensesAmt0375809
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0365935
IRS990/ReconcilationRevenueExpnssAmt0-63645
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0865973
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0802328
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0220556
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0207200
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0427756
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt034113
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0112512
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0146625
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt054045
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt054045
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01039723
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt17657014
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2851555
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3465903
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRAS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt04816092
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0308714
IRS990ScheduleD/TotalBookValueSecuritiesAmt04816092
IRS990ScheduleD/TotalLiabilityAmt010014195
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt020227
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ZURI HARMON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0TELLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt020227
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL OF OUR ACCOUNT HOLDERS IN THE CREDIT UNION ARE CONSIDERED MEMBERS. THEY HAVE A SHARE IN THE CREDIT UNION WITH A DEPOSIT OF AT LEAST FIVE DOLLARS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL MEMBERS OF THE CREDIT UNION HAVE A VOTE FOR OFFICALS AT THE CREDIT UNION'S ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 WAS PREPARED BY THE ASSISTANT MANAGER AND REVIEW BY THE MANAGER AND THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PERSONNEL COMMITTEE ANNUALLY REVIEWS ALL EMPLOYEE WAGES AND BENEFITS. THE REVIEW JOB EVALUATION AND COMPARABLE SALARIES FROM LCUL AND CUNA. THEY ALSO REVIEW THE CREDIT UNION'S FINANCIALS IN THEIR DECISION. THIER RECOMENDATIONS ARE PRESENTED TO THE BOARD OF DIRECTORS. THE BOARD REVIEW THE RECOMMENDATIONS AND MAKE THEIR DECISION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVES ALL POLICIES OF THE CREDIT UNION. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE TO ALL MEMBERS AT THE ANNUAL MEETING AND TO THE GENERAL PUBLIC UPON WRITTEN REQUEST AT THE CREDIT UNION OFFICE.
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 B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0LA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010962759
IRS990/TotalAssetsEOYAmt010855559
IRS990/TotalAssetsGrp/BOYAmt010962759
IRS990/TotalAssetsGrp/EOYAmt010855559
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0441865
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010096786
IRS990/TotalLiabilitiesEOYAmt010053231
IRS990/TotalLiabilitiesGrp/BOYAmt010096786
IRS990/TotalLiabilitiesGrp/EOYAmt010053231
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0865973
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0802328
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0131960

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