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St Augustine Credit Union FY2020 filing

Not tax-deductible

Kelso, MOMutual-benefit / member-servingSince 1933Public & Societal Benefit EIN 23-7040335Revenue $42K in FY2020

On file with the IRSPo Box 6, 63758-0006 · Kelso, MOTax-exempt since Dec 2014

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St. Augustine Credit Union supports our small community of Kelso, MO by offering great rates on dividends for share accounts and low interest rates on titled vehicle loans to St. Augustine Parish members and their immediate family.

56¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Programs: Part IX

Before you give

FY2020 · Form 990Independent: from IRS data, not the org
Download 990
Tax-deductible gifts
No
Donations are not tax-deductible
Worth a look: the IRS does not list gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $13K a year · 25% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
56%
of spending
Worth a look: 56% of spending went to programs; under 65%.
Pt IX · Ln 25 · col B
Cash reserves
139 mo
of spending, in cash
Looks good: 139.1 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$0
0% of total assets
Looks good: liabilities are 0% of assets; 50% or less.
Pt X · Ln 26
Independent board members
7
of 7 voting members
Looks good: 7 of 7 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$42K
Spent
$32K
To programs
56%
Net assets
$1.5M
By yearFY2020–FY2025
Revenue
$42K
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$42K
FY2021$38K
FY2022$41K
FY2023$60K
FY2024$64K
FY2025$61K
Expenses
$32K
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$32K
FY2021$29K
FY2022$31K
FY2023$43K
FY2024$49K
FY2025$47K
Net assets
$1.5M
FY2020
Tap a bar for its year
Net assets by fiscal year
FY2020$1.5M
FY2021$1.6M
FY2022$1.7M
FY2023$1.7M
FY2024$1.7M
FY2025$1.5M

From the FY2020 Form 990 · see the original

990 PDF Claim
You’re viewing the FY2020 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Exemption reinstated (2010-05-15). Per the IRS revocation list. Latest filing on record: FY2025. IRS ruling in Dec 2014.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

56 cents of each dollar spent went to programs.

Program services 56% · $18K Management & general 44% · $14K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

8 people listed on the 990.

Part VII, Section A · reportable compensation
Jack Dannenmueller
Chairman of the Board of Directors
$0Pt VII · Sec A
Mark Essner
Vice Chairman of the Board of Directors
$0Pt VII · Sec A
Mary Kay Schlosser
Secretary/Treasurer Board of Directors
$0Pt VII · Sec A
Brenda Arnzen
Director of Board of Directors
$0Pt VII · Sec A
Tina Blattel
Director of Board of Directors
$0Pt VII · Sec A
Danny Cope
Director of Board of Directors
$0Pt VII · Sec A
Craig Heisserer
Director of Board of Directors
$0Pt VII · Sec A
Laurie Essner
Manager of Credit Union
$0Pt VII · Sec A
See St Augustine Credit Union executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo
  • Loans to or from officersSch L · Pt II4 listed

Programs and updates

Offers affordable loans and savings accounts to community members and their families.

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Provided by the organization

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1 program · $18K · in their own filed words · FY2020
01

Income from interest bearing loans on titled vehicles.

$18Kprogram expense

By the numbers

The FY2020 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$42K
Ln 12
Fees for servicesLn 2g$42K
Money outPt IX
$32K
Ln 25
Programscol B$18K
Managementcol C$14K
Owns and owesPt X
$1.5M
net assets · Ln 32
Cash and savingsLn 1–2$372K
Total assetsLn 16$1.5M
LiabilitiesLn 26$0
PeoplePt VI, VII
8
listed · VII A
PaidVII A0
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$42K
Total revenueLn 12$42K
Assets in detailPt X, end of year
CashLn 1$22K
SavingsLn 2$350K
Cash and savings togetherLn 1–2$372K
InvestmentsLn 11–13$0
Other assetsLn 15$13K
Total assetsLn 16$1.5M
LiabilitiesLn 26$0
Net assetsLn 32$1.5M
OperationsPt I, VI
EmployeesI 50
VolunteersI 613
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14No
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$178K$372K
InvestmentsLn 11–13$0$0
Total assetsLn 16$1.6M$1.5M
LiabilitiesLn 26$0$0
Net assetsLn 32$1.6M$1.5M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Benefits paid to or for membersLn 4$13K$13K
Accounting feesLn 11c$4K$4K
Office expensesLn 13$1K$1K
OccupancyLn 16$8K$8K
InsuranceLn 23$5K$5K
Other expenses (24a–d)Ln 24$1K$1K$0$0
Total functional expensesLn 25$32K$18K$14K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $61K$47K$14K$1.5M 990 PDF
FY2024 $64K$49K$15K$1.7M 990 PDF
FY2023 $60K$43K$18K$1.7M 990 PDF
FY2022 $41K$31K$10K$1.7M 990 PDF
FY2021 $38K$29K$9K$1.6M 990 PDF
FY2020 Viewing $42K$32K$10K$1.5M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2020 990 (6 parts)
Part I · Summary $42,093 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $44,713$42,093
I-10 Investment incomePrior year $0$0
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $44,713$42,093
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $16,067$12,793
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $21,765$19,255
I-18 Total expensesPrior year $37,832$32,048
I-19 Revenue less expensesPrior year $6,881$10,045
Part VI · Governance 7 of 7 board members independent, 4 to look at
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-12a Written conflict of interest policyNo
VI-13 Written whistleblower policyNo
VI-14 Document retention and destruction policyNo
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
Part VIII · Statement of revenue $42,093 across 3 lines filed
Lines not itemized here account for $1,993 of total revenue; see the IRS return.
VIII-1h Total contributions, gifts and grants$0
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $40,100 · Unrelated business $0 · Excluded from tax $0$40,100
VIII-12 Total revenueRelated to mission $42,093 · Unrelated business $0 · Excluded from tax $0$42,093
Part IX · Statement of functional expenses $32,048 across 6 lines filed
IX-4 Benefits paid to or for membersPrograms $12,793$12,793
IX-11c Accounting feesPrograms $3,882$3,882
IX-13 Office expensesManagement $1,003$1,003
IX-16 OccupancyManagement $8,413$8,413
IX-23 InsuranceManagement $4,680$4,680
IX-24 Other expenses (24a–d)Programs $1,277 · Management $0 · Fundraising $0$1,277
IX-25 Total functional expensesPrograms $17,952 · Management $14,096 · Fundraising $0$32,048
Part X · Balance sheet $1,537,878 assets, 20 lines filed
Asset lines not itemized here account for $1,151,093; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $52,741$21,865
X-2 Savings and temporary cash investmentsStart of year $125,704$349,672
X-3 Pledges and grants receivableStart of year $0$0
X-4 Accounts receivableStart of year $1,800$1,662
X-8 Inventories for sale or useStart of year $0$0
X-9 Prepaid expenses and deferred chargesStart of year $804$804
X-11 Publicly traded securitiesStart of year $0$0
X-12 Other securitiesStart of year $0$0
X-13 Program-related investmentsStart of year $0$0
X-14 Intangible assetsStart of year $0$0
X-15 Other assetsStart of year $12,793$12,782
X-16 Total assetsStart of year $1,564,622$1,537,878
X-17 Accounts payable and accrued expensesStart of year $0$0
X-18 Grants payableStart of year $0$0
X-19 Deferred revenueStart of year $0$0
X-20 Tax-exempt bond liabilitiesStart of year $0$0
X-24 Unsecured notes and loans payableStart of year $0$0
X-26 Total liabilitiesStart of year $0$0
X-32 Total net assets or fund balancesStart of year $1,564,622$1,537,878
X-33 Total liabilities and net assetsStart of year $1,564,622$1,537,878
Part XI · Reconciliation of net assets $1,537,878 net assets at year end
XI-1 Total revenue$42,093
XI-2 Total expenses$32,048
XI-3 Revenue less expenses$10,045
XI-4 Net assets at start of year$1,564,622
XI-5 Net unrealized gains (losses) on investments$0
XI-6 Donated services and use of facilities$0
XI-7 Investment expenses$0
XI-8 Prior period adjustments$0
XI-9 Other changes in net assets−$36,789
XI-10 Net assets at end of year$1,537,878

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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