St Augustine Credit Union FY2023 filing

Not tax-deductible

Kelso, MOMutual-benefit / member-servingSince 1933Public & Societal Benefit EIN 23-7040335Revenue $60K in FY2023

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.

100¢ of each $1 spent went to programs.
Mission: Form 990 Part I, line 1 · Programs: Part IX

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FY2023 · 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
100%
of spending
Looks good: 100% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
67 mo
of spending, in cash
Looks good: 66.9 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
$60K
+47% vs prior year
Spent
$43K
To programs
100%
Net assets
$1.7M
By yearFY2020–FY2025
Revenue
$60K
FY2023▲ +47%
Tap a bar for its year
Revenue by fiscal year
FY2020$42K
FY2021$38K
FY2022$41K
FY2023$60K
FY2024$64K
FY2025$61K
Expenses
$43K
FY2023▲ +37%
Tap a bar for its year
Expenses by fiscal year
FY2020$32K
FY2021$29K
FY2022$31K
FY2023$43K
FY2024$49K
FY2025$47K
Net assets
$1.7M
FY2023-0.2%
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 FY2023 Form 990 · see the original

990 PDF Claim
You’re viewing the FY2023 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

100 cents of each dollar spent went to programs.

Program services 100% · $43K

Form 990 Part IX, line 25. 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
Chairman of the Board of Directors
$0Pt VII · Sec A
Vice Chairman of the Board of Directors
$0Pt VII · Sec A
Secretary/Treasurer Board of Directors
$0Pt VII · Sec A
Director of Board of Directors
$0Pt VII · Sec A
Director of Board of Directors
$0Pt VII · Sec A
Director of Board of Directors
$0Pt VII · Sec A
Director of Board of Directors
$0Pt VII · Sec A
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 II2 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 · $43K · in their own filed words · FY2023
01

Expenses from interest bearing loans on titled vehicles.

$43Kprogram expense

By the numbers

The FY2023 990, line by line.

1The main four
Money inPt VIII
$60K
Ln 12
Fees for servicesLn 2g$44K
Investment incomeLn 3$16K
Money outPt IX
$43K
Ln 25
Programscol B$43K
Owns and owesPt X
$1.7M
net assets · Ln 32
Cash and savingsLn 1–2$237K
Total assetsLn 16$1.7M
LiabilitiesLn 26$0
PeoplePt VI, VII
8
listed · VII A
PaidVII A0
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fundraising eventsLn 1c$0
Fees for servicesLn 2g$44K
Investment incomeLn 3$16K
Gains on assetsLn 7$0
Total revenueLn 12$60K
Assets in detailPt X, end of year
CashLn 1$125K
SavingsLn 2$112K
Cash and savings togetherLn 1–2$237K
InvestmentsLn 11–13$0
Other assetsLn 15$13K
Total assetsLn 16$1.7M
LiabilitiesLn 26$0
Net assetsLn 32$1.7M
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 FY23End FY23
Cash and savingsLn 1–2$656K$237K
InvestmentsLn 11–13$0
Total assetsLn 16$1.7M$1.7M
LiabilitiesLn 26$0$0
Net assetsLn 32$1.7M$1.7M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
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$19K$19K
Pay of current officers, directors and key staffLn 5$0$0$0$0
Pay of disqualified personsLn 6$0$0$0$0
Other salaries and wagesLn 7$0$0$0$0
Pension plan contributionsLn 8$0$0$0$0
Other employee benefitsLn 9$0$0$0$0
Payroll taxesLn 10$0$0$0$0
Management feesLn 11a$0$0$0$0
Legal feesLn 11b$0$0$0$0
Accounting feesLn 11c$3K$3K$0$0
Lobbying feesLn 11d$0$0$0$0
Professional fundraising feesLn 11e$0$0
Investment management feesLn 11f$0$0$0$0
Other fees for servicesLn 11g$0$0$0$0
Advertising and promotionLn 12$0$0$0$0
Office expensesLn 13$3K$3K$0$0
Information technologyLn 14$1K$1K$0$0
RoyaltiesLn 15$0$0$0$0
OccupancyLn 16$12K$12K$0$0
TravelLn 17$0$0$0$0
Travel and entertainment for public officialsLn 18$0$0$0$0
Conferences, conventions and meetingsLn 19$0$0$0$0
InterestLn 20$0$0$0$0
Payments to affiliatesLn 21$0$0$0$0
Depreciation, depletion and amortizationLn 22$0$0$0$0
InsuranceLn 23$4K$4K$0$0
All other expensesLn 24e$0$0$0$0
Total functional expensesLn 25$43K$43K$0$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 Viewing $60K$43K$18K$1.7M 990 PDF
FY2022 $41K$31K$10K$1.7M 990 PDF
FY2021 $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 FY2023 990 (6 parts)
Part I · Summary $60,282 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $33,826$44,122
I-10 Investment incomePrior year $7,232$16,160
I-11 Other revenuePrior year $0$0
I-12 Total revenuePrior year $41,058$60,282
I-13 Grants and similar amounts paidPrior year $0$0
I-14 Benefits paid to membersPrior year $11,470$18,553
I-15 Salaries and benefitsPrior year $0$0
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $19,605$24,025
I-18 Total expensesPrior year $31,075$42,578
I-19 Revenue less expensesPrior year $9,983$17,704
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 $60,282 across 8 lines filed
Lines not itemized here account for $44,122 of total revenue; see the IRS return.
VIII-1c Fundraising events$0
VIII-1h Total contributions, gifts and grants$0
VIII-3 Investment incomeRelated to mission $16,160 · Unrelated business $0 · Excluded from tax $0$16,160
VIII-5 RoyaltiesRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0
VIII-6 Net rental income or lossRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0
VIII-7 Net gain or loss on sales of assetsRelated to mission $0 · Unrelated business $0 · Excluded from tax $0$0
VIII-8 Net income from fundraising eventsUnrelated business $0 · Excluded from tax $0$0
VIII-12 Total revenueRelated to mission $59,388 · Unrelated business $894 · Excluded from tax $0$60,282
Part IX · Statement of functional expenses $42,578 across 30 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 $18,553$18,553
IX-5 Pay of current officers, directors and key staffPrograms $0 · Management $0 · Fundraising $0$0
IX-6 Pay of disqualified personsPrograms $0 · Management $0 · Fundraising $0$0
IX-7 Other salaries and wagesPrograms $0 · Management $0 · Fundraising $0$0
IX-8 Pension plan contributionsPrograms $0 · Management $0 · Fundraising $0$0
IX-9 Other employee benefitsPrograms $0 · Management $0 · Fundraising $0$0
IX-10 Payroll taxesPrograms $0 · Management $0 · Fundraising $0$0
IX-11a Management feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11b Legal feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11c Accounting feesPrograms $3,175 · Management $0 · Fundraising $0$3,175
IX-11d Lobbying feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11e Professional fundraising feesFundraising $0$0
IX-11f Investment management feesPrograms $0 · Management $0 · Fundraising $0$0
IX-11g Other fees for servicesPrograms $0 · Management $0 · Fundraising $0$0
IX-12 Advertising and promotionPrograms $0 · Management $0 · Fundraising $0$0
IX-13 Office expensesPrograms $3,210 · Management $0 · Fundraising $0$3,210
IX-14 Information technologyPrograms $1,333 · Management $0 · Fundraising $0$1,333
IX-15 RoyaltiesPrograms $0 · Management $0 · Fundraising $0$0
IX-16 OccupancyPrograms $12,026 · Management $0 · Fundraising $0$12,026
IX-17 TravelPrograms $0 · Management $0 · Fundraising $0$0
IX-18 Travel and entertainment for public officialsPrograms $0 · Management $0 · Fundraising $0$0
IX-19 Conferences, conventions and meetingsPrograms $0 · Management $0 · Fundraising $0$0
IX-20 InterestPrograms $0 · Management $0 · Fundraising $0$0
IX-21 Payments to affiliatesPrograms $0 · Management $0 · Fundraising $0$0
IX-22 Depreciation, depletion and amortizationPrograms $0 · Management $0 · Fundraising $0$0
IX-23 InsurancePrograms $4,281 · Management $0 · Fundraising $0$4,281
IX-24e All other expensesPrograms $0 · Management $0 · Fundraising $0$0
IX-25 Total functional expensesPrograms $42,578 · Management $0 · Fundraising $0$42,578
Part X · Balance sheet $1,656,395 assets, 20 lines filed
Asset lines not itemized here account for $1,402,550; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $39,559$125,245
X-2 Savings and temporary cash investmentsStart of year $616,432$112,200
X-3 Pledges and grants receivableStart of year $0$0
X-4 Accounts receivableStart of year $1,365$2,072
X-8 Inventories for sale or useStart of year $0$0
X-9 Prepaid expenses and deferred chargesStart of year $888$888
X-11 Publicly traded securities$0
X-12 Other securities$0
X-13 Program-related investments$0
X-14 Intangible assets$0
X-15 Other assetsStart of year $12,804$13,440
X-16 Total assetsStart of year $1,659,840$1,656,395
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 $1,659,840$1,656,395
X-33 Total liabilities and net assetsStart of year $1,659,840$1,656,395
Part XI · Reconciliation of net assets $1,656,395 net assets at year end
XI-1 Total revenue$60,282
XI-2 Total expenses$42,578
XI-3 Revenue less expenses$17,704
XI-4 Net assets at start of year$1,659,840
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−$21,149
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$1,656,395

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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