Civic Intelligence

St Joseph'S Credit Union

EIN 74-1338848 • 501(c)14 • San Antonio, TX

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Profile

St joseph's credit union is a state chartered thrift institution receiving deposits from members and making loans to members. Deposits are insured by the national credit union association.

PO Box 15650San Antonio, TX 78212-8850

www.sjcusatx.com

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

97th percentile

38.62x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

5th percentile

-31%

Higher net margin than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

35th percentile

$0

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

$25M-$50M nonprofits • Source year 2014

Asset Growth

39th percentile

-1.5%

Faster asset growth than 39% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

6th percentile

-16%

Faster revenue growth than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$43,058,444

Down $660,652 (-1.5%) from 2013

Liabilities

Down

$40,144,694

Down $338,191 (-0.8%) from 2013

Net Assets

Down

$2,913,750

Down $322,461 (-10.0%) from 2013

Operations
Liabilities / Revenue97th percentileNet Margin5th percentile

Revenue

Down

$1,039,473

Down $196,593 (-16%) from 2013

Expenses

Down

$1,361,462

Down $24,338 (-1.8%) from 2013

Net Income

Down

-$321,989

Down $172,255 (-115%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth39th percentile

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

$60M$40M$20M$0Assets 2010: $49,868,258Liabilities 2010: $46,156,257Net Assets 2010: $3,712,0012010Assets 2011: $45,204,746Liabilities 2011: $41,764,114Net Assets 2011: $3,440,6322011Assets 2012: $45,049,724Liabilities 2012: $41,660,209Net Assets 2012: $3,389,5152012Assets 2013: $43,719,096Liabilities 2013: $40,482,885Net Assets 2013: $3,236,2112013Assets 2014: $43,058,444Liabilities 2014: $40,144,694Net Assets 2014: $2,913,7502014

Highlighted filing

2014

Assets$43,058,444
Liabilities$40,144,694
Net Assets$2,913,750
Open 2014 Filing

Operations Trend

Revenue Growth6th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,239,0482010Expenses 2011: $2,127,5862011Expenses 2012: $1,582,7022012Revenue 2013: $1,236,066Expenses 2013: $1,385,800Net Income 2013: -$149,7342013Revenue 2014: $1,039,473Expenses 2014: $1,361,462Net Income 2014: -$321,9892014

Highlighted filing

2014

Revenue$1,039,473
Expenses$1,361,462
Net Income-$321,989
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$43,058,444
Liabilities
$40,144,694
Net assets
$2,913,750
Revenue
$1,039,473
Expenses
$1,361,462
Net income
-$321,989
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$43.1$40.1$2.91$1.04$1.36$0.32
2013Detailed filing. Detailed filing data is available for this year.$43.7$40.5$3.24$1.24$1.39$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.0$41.7$3.39$1.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$41.8$3.44$2.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.9$46.2$3.71$2.24
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 13, 2015
Return Version
2014v5.0
Gross Receipts
$1,039,473
Mission and Program Overview

Mission

St joseph's credit union is a state chartered thrift institution receiving deposits from members and making loans to members. Deposits are insured by the national credit union association.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$25,838,216$27,091,732▲ $1,253,516
Other Notes and Loans Receivable, Net$16,505,920$14,544,697▼ $1,961,223
Rtn Earn Endowment Incm Other Fnds$3,236,211$2,913,750▼ $322,461
Cash and Non-Interest-Bearing Accounts$719,287$790,757▲ $71,470
Land, Buildings, and Equipment, Net$500,880$497,031▼ $3,849
Prepaid Expenses and Deferred Charges$100,134$87,807▼ $12,327
Total Assets$43,719,096$43,058,444▼ $660,652
Other Assets Total$54,659$46,420▼ $8,239
Liabilities
Other Liabilities$40,421,837$40,037,956▼ $383,881
Accounts Payable and Accrued Expenses$61,048$106,738▲ $45,690
Total Liabilities$40,482,885$40,144,694▼ $338,191
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,236,211$2,913,750▼ $322,461
Total Liabilities and Net Assets / Fund Balance$43,719,096$43,058,444▼ $660,652

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$32,290$699,497$731,787
Buildings$246,659$352,819$599,478
Land$218,082-$218,082
Compensation and Service Providers
Top Officer Pay35th percentile

Board Members and Trustees

NameTitle
Darrell F HavelChair-person
Dennis LothVice Chairma
Daniel S MayDirector
Diana YbarraDirector
Herbert W VorauerDirector
Thomas L StuebbenSecretary
Mark a EisenhauerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$862,447
Investment Income
$177,026
Other Revenue
$0
Change in Net Assets
$-321,989
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$676,735
Salaries, Compensation, and Employee Benefits$574,984
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$453,700--$453,700
Occupancy$159,024--$159,024
Fees for Services Other$133,250--$133,250
Benefits to Members$109,743--$109,743
Other Employee Benefits$101,541--$101,541
Office Expenses$94,082--$94,082
Insurance$42,742--$42,742
Depreciation Depletion$28,999--$28,999
Advertising$25,967--$25,967
Payroll Taxes$19,743--$19,743
Fees for Services Accounting$17,878--$17,878
Payments to Affiliates$11,914--$11,914
Travel$9,153--$9,153
Conferences and Meetings$6,472--$6,472
Fees for Services Legal$6,185--$6,185
All Other Expenses$4,212--$4,212
Other Expenses$1,876--$1,876
Total Functional Expenses$1,361,462$0$0$1,361,462
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
Member Deposits$40,033,374
Dividends Payable$4,582
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 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
No
Management duties delegated
No

Governance Explanations

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

“The credit union's form 990 is thoroughly reviewed by the executive vice president/cfo and by designated members of the credit union's board”

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

“Substantially all expenditures and activities of the credit union are directly reviewd by the organizations cfo for activities or disbursements that may give rise to a conflict of interest.”

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

“Salary and benefits are approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available to interested parties or governing agencies upon request.”

Filing and Contact Details

Filer

Filer Name
ST JOSEPH'S CREDIT UNION
EIN
74-1338848
Phone
2102256126
Address
PO BOX 15650, SAN ANTONIO, TX 78212-8850

Signing Officer

Name
Armando Rodriguez
Title
Executive VP/CFO
Phone
2102256126
Signed
2015-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ronald D Sharp
Formed
1933
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
20

Preparer

Firm
Williams Crow Mask Llp
Address
1100 NE LOOP 410 STE 350, SAN ANTONIO, TX 78209
Preparer
Kirk Mask
Phone
2106841071
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Cub valuationresv & unrealized loss 472”

Raw XML Appendix348 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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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0218082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt040033374
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14582
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DIVIDENDS PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0497031
IRS990ScheduleD/TotalLiabilityAmt040037956
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION'S FORM 990 IS THOROUGHLY REVIEWED BY THE EXECUTIVE VICE PRESIDENT/CFO AND BY DESIGNATED MEMBERS OF THE CREDIT UNION'S BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SUBSTANTIALLY ALL EXPENDITURES AND ACTIVITIES OF THE CREDIT UNION ARE DIRECTLY REVIEWD BY THE ORGANIZATIONS CFO FOR ACTIVITIES OR DISBURSEMENTS THAT MAY GIVE RISE TO A CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SALARY AND BENEFITS ARE APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO INTERESTED PARTIES OR GOVERNING AGENCIES UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CUB VALUATIONRESV & UNREALIZED LOSS 472
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt043719096
IRS990/TotalAssetsEOYAmt043058444
IRS990/TotalAssetsGrp/BOYAmt043719096
IRS990/TotalAssetsGrp/EOYAmt043058444
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01361462
IRS990/TotalFunctionalExpensesGrp/TotalAmt01361462
IRS990/TotalGrossUBIAmt016995
IRS990/TotalLiabilitiesBOYAmt040482885
IRS990/TotalLiabilitiesEOYAmt040144694
IRS990/TotalLiabilitiesGrp/BOYAmt040482885
IRS990/TotalLiabilitiesGrp/EOYAmt040144694
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03236211
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02913750
IRS990/TotalProgramServiceExpensesAmt01361462
IRS990/TotalProgramServiceRevenueAmt0862447
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01022478
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01039473
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt016995
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt043719096
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt043058444
IRS990/TravelGrp/ProgramServicesAmt09153
IRS990/TravelGrp/TotalAmt09153
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 15650
IRS990/USAddress/CityNm0SAN ANTONIO
IRS990/USAddress/StateAbbreviationCd0TX
IRS990/USAddress/ZIPCd078212
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SJCUSATX.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ARMANDO RODRIGUEZ
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE VP/CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum02102256126
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST JOSEPH'S CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STJO
ReturnHeader/Filer/EIN0741338848
ReturnHeader/Filer/PhoneNum02102256126
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 15650
ReturnHeader/Filer/USAddress/CityNm0SAN ANTONIO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TX
ReturnHeader/Filer/USAddress/ZIPCd0782128850
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0742985734
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WILLIAMS CROW MASK LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01100 NE LOOP 410 STE 350
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SAN ANTONIO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd078209
ReturnHeader/PreparerPersonGrp/PhoneNum02106841071
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KIRK MASK
ReturnHeader/ReturnTs02015-11-16T11:22:13-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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