Civic Intelligence

Prosperity Connection Prosperity Connection

990 • Fiscal year 2015 • EIN 80-0444131

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 15, 2016

Organization Profilewww.prosperityconnection.org
3651 Forest Park AveSaint Louis, MO 63108

(314) 534-7610

Siviq Scores

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

Liabilities / Assets

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

55th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Net Margin

69th percentile

14%

Higher net margin than 69% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2015 filings • 501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

72nd percentile

20%

Faster asset growth than 72% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

95th percentile

140%

Faster revenue growth than 95% of similar nonprofits.

2015 filings • 501(c)3 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$198,789

Up $33,458 (+20%) from 2014

Net Assets

Up

$198,789

Up $33,458 (+20%) from 2014

Liabilities

Flat

$0

Flat from 2014

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin69th percentile

Revenue

Up

$247,260

Up $144,317 (+140%) from 2014

Expenses

Up

$213,802

Up $107,954 (+102%) from 2014

Net Income

Up

$33,458

Up $36,363 (+1252%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2011: $207,781Liabilities 2011: $0Net Assets 2011: $207,7812011Assets 2012: $168,265Liabilities 2012: $0Net Assets 2012: $168,2652012Assets 2013: $168,236Liabilities 2013: $0Net Assets 2013: $168,2362013Assets 2014: $165,331Liabilities 2014: $0Net Assets 2014: $165,3312014Assets 2015: $198,789Liabilities 2015: $0Net Assets 2015: $198,7892015Assets 2016: $438,403Liabilities 2016: $0Net Assets 2016: $438,4032016Assets 2017: $697,248Liabilities 2017: $0Net Assets 2017: $697,2482017Assets 2018: $801,667Liabilities 2018: $0Net Assets 2018: $801,6672018Assets 2019: $872,018Liabilities 2019: $0Net Assets 2019: $872,0182019Assets 2020: $875,625Liabilities 2020: $0Net Assets 2020: $875,6252020Assets 2021: $1,393,127Liabilities 2021: $121,706Net Assets 2021: $1,271,4212021Assets 2022: $1,519,745Liabilities 2022: $149,130Net Assets 2022: $1,370,6152022Assets 2023: $1,988,393Liabilities 2023: $173,638Net Assets 2023: $1,814,7552023Assets 2024: $1,612,756Liabilities 2024: $115,658Net Assets 2024: $1,497,0982024

Highlighted filing

2015

Assets$198,789
Liabilities$0
Net Assets$198,789
Open 2015 Filing

Operations Trend

Revenue Growth95th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2011: $11,5752011Expenses 2012: $88,5822012Revenue 2013: $81,575Expenses 2013: $81,604Net Income 2013: -$292013Revenue 2014: $102,943Expenses 2014: $105,848Net Income 2014: -$2,9052014Revenue 2015: $247,260Expenses 2015: $213,802Net Income 2015: $33,4582015Revenue 2016: $911,215Expenses 2016: $671,601Net Income 2016: $239,6142016Revenue 2017: $1,101,294Expenses 2017: $842,449Net Income 2017: $258,8452017Revenue 2018: $1,222,574Expenses 2018: $1,118,155Net Income 2018: $104,4192018Revenue 2019: $1,374,663Expenses 2019: $1,304,312Net Income 2019: $70,3512019Revenue 2020: $1,667,773Expenses 2020: $1,664,166Net Income 2020: $3,6072020Revenue 2021: $1,257,430Expenses 2021: $1,073,208Net Income 2021: $184,2222021Revenue 2022: $1,205,723Expenses 2022: $1,106,529Net Income 2022: $99,1942022Revenue 2023: $1,659,086Expenses 2023: $1,214,946Net Income 2023: $444,1402023Revenue 2024: $1,216,888Expenses 2024: $1,534,545Net Income 2024: -$317,6572024

Highlighted filing

2015

Revenue$247,260
Expenses$213,802
Net Income$33,458
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 15, 2016
Return Version
2015v2.1
Gross Receipts
$247,260
Mission and Program Overview

Mission

To provide financial education, affordable financial services, resources and support to low/moderate income populations in an effort to improve their standard of living and better their lifestyle.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$162,600$198,789▲ $36,189
Land, Buildings, and Equipment, Net$2,731$0▼ $2,731
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$165,331$198,789▲ $33,458
Other Assets Total$0$0→ $0
Liabilities
Accounts Payable and Accrued Expenses$0$0→ $0
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Other Liabilities$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Unrestricted Net Assets$165,331$198,789▲ $33,458
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$165,331$198,789▲ $33,458
Total Liabilities and Net Assets / Fund Balance$165,331$198,789▲ $33,458

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$33,409$33,409
Leasehold Improvements$0$21,650$21,650
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Compensation and Service Providers
Top Officer Pay75th percentile

Board Members and Trustees

NameTitle
Felicia Pulliamdirector
John Windomdirector
Kathy Reevesdirector
Laurie Hauberdirector
Susan Katzmandirector
Suzanne Houghdirector
Tom Sullivandirector
Mike Obrienofficer
Paul Woodruffofficer
Revenue and Support

Revenue Composition

Contributions and Grants
$247,260
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
All Other Contributions
$247,260
Change in Net Assets
$33,458

Audited Revenue Reconciliation

Revenue per Audited Statements
$247,260
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$247,260
Total Revenue per Form 990
$247,260
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$203,802
Grants and Similar Amounts Paid$10,000
Total Fundraising Expense$748
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$10,000--$10,000
Fees for Services Other$6,837$0$0$6,837
Other Expenses$0$2,731$0$2,731
All Other Expenses$0$0$748$748
Total Functional Expenses$16,837$196,217$748$213,802

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$213,802
Total Expenses per Audited Statements$213,802
Total Expenses per Form 990$213,802
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
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

Part VI, Section B, Line 11B

“Preparation and completion of the 990 report is the responsibility of the chief accounting officer for st. louis community credit union. A review of the report is done with the chief financial officer for st. louis community credit union for accuracy prior to submission to the internal revenue service.”

Part VI, Section B, Line 12C

“All Directors and officers of the Foundation are required to sign a conflict of interest policy on an annual basis.”

Part VI, Section C, Line 19

“The Foundation will, upon request , provide for review, copies of the financial statements, conflict of interest policy and governing documents while in the offices of St. Louis Community Credit Union.”

Filing and Contact Details

Filer

Filer Name
The St Louis Community Cu Foundation
EIN
80-0444131
In Care Of
% Penny Peters
Phone
3145347610
Address
3651 Forest Park Ave, Saint Louis, MO 63108
Doing Business As
Prosperity Connection

Signing Officer

Name
Penny Peters
Title
Chief Accounting Officer
Phone
3145347610
Signed
2016-04-15

Organization Details

Principal Officer
Penny Peters
Formed
2010
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
6
Supplemental Narrative

Additional Explanations

Part IX, line 11G

“| Description:, Amount:| Financial Literacy classes, $6837.00|”

Raw XML AppendixShowing 400 of 530 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/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0148403
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt132400
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt212683
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt32731
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IRS990/OtherExpensesGrp/TotalAmt212683
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IRS990/PartialLiquidationInd0false
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IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Penny Peters
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgSrvcAccomActy2Grp/Desc0The Foundation offices known as the EXCEL Center are a destination point and a trusted source for consumer information, financial education and empowerment for the region. It offers a platform to promote and encourage self-sufficiency and financial dignity through the power of education. At the center, we provide financial literacy and life skills classes relevant to todays consumer. Some classes include: Building an effective budget during tough economic times, credit building an/or repair, starting a business and managing stress effectively, we take a hands on approach to learning, engaging the audiences and empowering them to improve their quality of life. Primary areas of outreach: consumer financial and life skills education, health and wellness, continuing education, professional development and business services. In addition, we participate in community engagement events and financial counseling.
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IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
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IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0102943
IRS990/PYExcessBenefitTransInd0false
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IRS990/PYOtherExpensesAmt099348
IRS990/PYOtherRevenueAmt00
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IRS990/PYRevenuesLessExpensesAmt0-2905
IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0105848
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IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0false
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IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt0199856
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IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt049066
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt0199856
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0680700
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$198,789
Liabilities
$0
Net assets
$198,789
Revenue
$247,260
Expenses
$213,802
Net income
$33,458
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.61$0.12$1.50$1.22$1.53$0.32
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.99$0.17$1.81$1.66$1.21$0.44
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.52$0.15$1.37$1.21$1.11$0.10
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.39$0.12$1.27$1.26$1.07$0.18
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.88$0.00$0.88$1.67$1.66$0.00
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.87$0.00$0.87$1.37$1.30$0.07
2018Summary only. Only limited summary data is available for this year.$0.80$0.00$0.80$1.22$1.12$0.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.70$0.00$0.70$1.10$0.84$0.26
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.44$0.00$0.44$0.91$0.67$0.24
2015Detailed filing. Detailed filing data is available for this year.$0.20$0.00$0.20$0.25$0.21$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.17$0.00$0.17$0.10$0.11$0.00
2013Detailed filing. Detailed filing data is available for this year.$0.17$0.00$0.17$0.08$0.08$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.17$0.00$0.17$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.21$0.00$0.21$0.01