United Catholic Credit Union
Nonprofit profile at a glance
- EIN
- 440665531
- IRS 990-EZ coverage
- 2012–2012
- Forms available
- Form 990 2011, Form 990-EZ 2012
- Location
- Raytown, MO, USA
- Phone
- 8163568757
- Rating
- 34
- Verdict
- REVIEW
- Rating confidence
- Moderate
- Sector
- Credit Unions
- Affiliation
- Christianity
Reported finances
- Revenue
- $20,749
- Expenses
- $28,661
- Assets
- $0
Source: IRS Form 990-EZ. Selected filing: tax year 2012. Amounts in USD.
Leadership & pay
8 people listed
Source: IRS Form 990-EZ. Selected filing: tax year 2012. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Cooperative provider of financial services
What it reported doing in 2012
Voluntary, cooperative, non-profit credit union, incorporated under Missouri statutes for the purposes of encouraging thrift among its members, creating a surce of credit at a fair and reasonable rate of interest, providing for the mutual benefit and general welfare of its members with the earnings, savings, benefits and services being distributed to its members, for financial and financially-related services, and for an opportunity for its members to improve their economic and social conditions.
Operating model
- Revenue model
- Cannot be determined from the filing. The filing does not provide enough consistent revenue detail to tell how this nonprofit funds its work.
- Distribution model
- Transfer-based 990-EZ. The 990-EZ reports grants or member benefits, but it does not separate enough spending to show the nonprofit’s full delivery mix.
The verdict
REVIEW - The filed numbers largely add up. A relatively small share of available resources goes toward mission work and revenue has declined or grown slowly.
Rating breakdown
- Financial Efficiency: 2
- Transparency & Controls: 82
- Sustainability: 7
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 3.9%; rating input score 4
- Program expense ratio: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 51st percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: -38.1%; rating input score 14; 14th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 1; 1st percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: Limited
Growth
- Program expense growth: Limited
- Revenue growth: -69.4% per year; rating input score 0; 8th percentile among comparable filings
- Asset growth: -75.4% per year; rating input score 0; 5th percentile among comparable filings
Details
- Where the money goes: 3.9% of revenue deployed
- Governance: Filed governance answers
- Accomplishments: 1 filed program accomplishment
- Leadership: top reported pay $0 · 8 people listed
- Consistency: 4 of 4 current checks pass
- Schedules: 2 filed schedules
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 4/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 14/100.
- High — Sustainability: Total-asset coverage ratio scored 1/100.
- High — Growth: Asset growth scored 0/100.