St Augustine Credit Union: FY2021 Nonprofit Profile & Form 990 (EIN 23-7040335)

Revenue by fiscal year
FY2020	$42K
FY2021	$38K
FY2022	$41K
FY2023	$60K
FY2024	$64K
FY2025	$61K

Expenses by fiscal year
FY2020	$32K
FY2021	$29K
FY2022	$31K
FY2023	$43K
FY2024	$49K
FY2025	$47K

Net assets by fiscal year
FY2020	$1.5M
FY2021	$1.6M
FY2022	$1.7M
FY2023	$1.7M
FY2024	$1.7M
FY2025	$1.5M

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

51 cents of each dollar spent went to programs.

51%

49%

Program services 51% · $15K Management & general 49% · $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 Raines

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 II3 listed

Programs and updates

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

Questions for St Augustine Credit Union

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1 program · $15K · in their own filed words · FY2021

01

Income from interest bearing loans on titled vehicles.

$15Kprogram expense

By the numbers

The FY2021 990, line by line.

Download 990

from philanthropy.org

1The main four

Money inPt VIII

$38K

Ln 12

Fees for servicesLn 2g$35K

Investment incomeLn 3$3K

Money outPt IX

$29K

Ln 25

Programscol B$15K

Managementcol C$14K

Owns and owesPt X

$1.6M

net assets · Ln 32

Cash and savingsLn 1–2$679K

Total assetsLn 16$1.6M

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$35K

Investment incomeLn 3$3K

Total revenueLn 12$38K

Assets in detailPt X, end of year

CashLn 1$67K

SavingsLn 2$612K

Cash and savings togetherLn 1–2$679K

InvestmentsLn 11–13$0

Other assetsLn 15$12K

Total assetsLn 16$1.6M

LiabilitiesLn 26$0

Net assetsLn 32$1.6M

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

Line	Start FY21	End FY21
Cash and savingsLn 1–2	$372K	$679K
InvestmentsLn 11–13	$0	$0
Total assetsLn 16	$1.5M	$1.6M
LiabilitiesLn 26	$0	$0
Net assetsLn 32	$1.5M	$1.6M

4Every line

Statement of functional expensesPt IX · every line

Line	Total	Programs	Management	Fundraising
Grants to domestic organizationsLn 1	$0	$0
Grants to domestic individualsLn 2	$0	$0
Grants and assistance to foreign recipientsLn 3	$0	$0
Benefits paid to or for membersLn 4	$10K	$10K
Pay of current officers, directors and key staffLn 5	$0	$0
Pay of disqualified personsLn 6	$0	$0
Other salaries and wagesLn 7	$0	$0
Pension plan contributionsLn 8	$0	$0
Other employee benefitsLn 9	$0	$0
Payroll taxesLn 10	$0	$0
Management feesLn 11a	$0	$0
Legal feesLn 11b	$0	$0
Accounting feesLn 11c	$4K	$4K
Other fees for servicesLn 11g	$1K	$1K
Office expensesLn 13	$1K		$1K
Information technologyLn 14	$1K		$1K
OccupancyLn 16	$8K		$8K
InsuranceLn 23	$4K		$4K
Total functional expensesLn 25	$29K	$15K	$14K	$0

Filing history

Year	Money in	Money out	In minus out	Net assets	Download
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 Viewing	$38K	$29K	$9K	$1.6M	990 PDF
FY2020	$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 FY2021 990 (6 parts)

Part I · Summary $38,240 revenue, 12 lines filed

I-8 Contributions and grantsPrior year $0$0

I-9 Program service revenuePrior year $34,024$34,987

I-10 Investment incomePrior year $3,252$3,253

I-11 Other revenuePrior year $964$0

I-12 Total revenuePrior year $38,240$38,240

I-13 Grants and similar amounts paidPrior year $0$0

I-14 Benefits paid to membersPrior year $10,344$10,344

I-15 Salaries and benefitsPrior year $0$0

I-16a Professional fundraising feesPrior year $0$0

I-17 Other expensesPrior year $18,751$18,751

I-18 Total expensesPrior year $29,095$29,095

I-19 Revenue less expensesPrior year $9,145$9,145

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 $38,240 across 4 lines filed

Lines not itemized here account for $34,987 of total revenue; see the IRS return.

VIII-1h Total contributions, gifts and grants$0

VIII-3 Investment incomeRelated to mission $3,253 · Unrelated business $0 · Excluded from tax $0$3,253

VIII-5 RoyaltiesRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0

VIII-12 Total revenueRelated to mission $37,277 · Unrelated business $963 · Excluded from tax $0$38,240

Part IX · Statement of functional expenses $29,095 across 18 lines filed

IX-1 Grants to domestic organizationsPrograms $0$0

IX-2 Grants to domestic individualsPrograms $0$0

IX-3 Grants and assistance to foreign recipientsPrograms $0$0

IX-4 Benefits paid to or for membersPrograms $10,344$10,344

IX-5 Pay of current officers, directors and key staffPrograms $0$0

IX-6 Pay of disqualified personsPrograms $0$0

IX-7 Other salaries and wagesPrograms $0$0

IX-8 Pension plan contributionsPrograms $0$0

IX-9 Other employee benefitsPrograms $0$0

IX-10 Payroll taxesPrograms $0$0

IX-11a Management feesPrograms $0$0

IX-11b Legal feesPrograms $0$0

IX-11c Accounting feesPrograms $3,540$3,540

IX-11g Other fees for servicesPrograms $1,012$1,012

IX-13 Office expensesManagement $1,111$1,111

IX-14 Information technologyManagement $1,207$1,207

IX-16 OccupancyManagement $7,628$7,628

IX-23 InsuranceManagement $4,253$4,253

IX-25 Total functional expensesPrograms $14,896 · Management $14,199 · Fundraising $0$29,095

Part X · Balance sheet $1,586,217 assets, 20 lines filed

Asset lines not itemized here account for $892,616; see the IRS return.

X-1 Cash, non-interest-bearingStart of year $21,865$67,095

X-2 Savings and temporary cash investmentsStart of year $349,672$611,949

X-3 Pledges and grants receivableStart of year $0$0

X-4 Accounts receivableStart of year $1,662$1,339

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 $12,782$12,414

X-16 Total assetsStart of year $1,537,878$1,586,217

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 $1,537,878$1,586,217

X-33 Total liabilities and net assetsStart of year $1,537,878$1,586,217

Part XI · Reconciliation of net assets $1,586,217 net assets at year end

XI-1 Total revenue$38,240

XI-2 Total expenses$29,095

XI-3 Revenue less expenses$9,145

XI-4 Net assets at start of year$1,537,878

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$39,194

XI-10 Net assets at end of year$1,586,217

Form 990 e-file (XML) FY2021 from the IRS · Classification, formation year and address from the IRS Business Master File

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St Augustine Credit Union FY2021 filing

Before you give

Is it real?

Where the money goes

Who runs it and what they're paid

Questions the 990 asks

Programs and updates

Questions for St Augustine Credit Union

By the numbers

Filing history

Schedules filed Part IV