Civic Intelligence

794 Kyger Creek Kyger Creek Credit Union Inc

990 • Fiscal year 2018 • EIN 31-0604035

Jan 01, 2018 to Dec 31, 2018 • Filed on Feb 20, 2019

Organization ProfileN/A
5758 State Route 7 NCheshire, OH 45620

(740) 367-5055

Siviq Scores

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

Liabilities / Assets

28th percentile

0.81x

Higher debt load relative to assets than 28% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

89th percentile

27.63x

Higher debt load relative to revenue than 89% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

60th percentile

13%

Higher net margin than 60% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

9th percentile

$0

Higher top officer pay than 9% of similar nonprofits.

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

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

44th percentile

-0.3%

Faster asset growth than 44% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

22nd percentile

4.4%

Faster revenue growth than 22% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets28th percentile

Assets

Down

$16,747,448

Down $52,438 (-0.3%) from 2017

Net Assets

Up

$3,129,994

Up $65,260 (+2.1%) from 2017

Liabilities

Down

$13,617,454

Down $117,698 (-0.9%) from 2017

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin60th percentile

Revenue

Up

$492,772

Up $20,754 (+4.4%) from 2017

Expenses

Up

$428,155

Up $62,641 (+17%) from 2017

Net Income

Down

$64,617

Down $41,887 (-39%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $15,273,418Liabilities 2010: $12,873,110Net Assets 2010: $2,400,3082010Assets 2011: $16,019,043Liabilities 2011: $13,518,784Net Assets 2011: $2,500,2592011Assets 2013: $16,498,411Liabilities 2013: $13,797,604Net Assets 2013: $2,700,8072013Assets 2014: $17,100,138Liabilities 2014: $14,334,462Net Assets 2014: $2,765,6762014Assets 2015: $17,072,861Liabilities 2015: $14,187,455Net Assets 2015: $2,885,4062015Assets 2017: $16,799,886Liabilities 2017: $13,735,152Net Assets 2017: $3,064,7342017Assets 2018: $16,747,448Liabilities 2018: $13,617,454Net Assets 2018: $3,129,9942018Assets 2019: $16,746,069Liabilities 2019: $13,479,420Net Assets 2019: $3,266,6492019Assets 2020: $17,458,872Liabilities 2020: $14,090,953Net Assets 2020: $3,367,9192020Assets 2021: $17,815,629Liabilities 2021: $14,361,558Net Assets 2021: $3,454,0712021Assets 2022: $17,523,553Liabilities 2022: $13,977,186Net Assets 2022: $3,546,3672022

Highlighted filing

2018

Assets$16,747,448
Liabilities$13,617,454
Net Assets$3,129,994
Open 2018 Filing

Operations Trend

Revenue Growth22nd percentile

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

$600K$400K$200K$0Expenses 2010: $501,8482010Expenses 2011: $458,7892011Revenue 2013: $519,002Expenses 2013: $416,896Net Income 2013: $102,1062013Revenue 2014: $469,203Expenses 2014: $404,334Net Income 2014: $64,8692014Revenue 2015: $462,473Expenses 2015: $342,743Net Income 2015: $119,7302015Revenue 2017: $472,018Expenses 2017: $365,514Net Income 2017: $106,5042017Revenue 2018: $492,772Expenses 2018: $428,155Net Income 2018: $64,6172018Revenue 2019: $570,589Expenses 2019: $433,934Net Income 2019: $136,6552019Revenue 2020: $531,026Expenses 2020: $429,756Net Income 2020: $101,2702020Revenue 2021: $475,562Expenses 2021: $389,410Net Income 2021: $86,1522021Revenue 2022: $478,578Expenses 2022: $386,282Net Income 2022: $92,2962022

Highlighted filing

2018

Revenue$492,772
Expenses$428,155
Net Income$64,617
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Feb 20, 2019
Return Version
2018v3.1
Gross Receipts
$562,824
Mission and Program Overview

Mission

The purpose of the credit union is to promote thrift and to provide credit for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,881,171$11,890,308▲ $9,137
Savings and Temporary Cash Investments$4,411,943$4,360,375▼ $51,568
Cash and Non-Interest-Bearing Accounts$13,874$18,665▲ $4,791
Accounts Receivable$17,538$12,484▼ $5,054
Prepaid Expenses and Deferred Charges$4,656$4,814▲ $158
Land, Buildings, and Equipment, Net$1,152$88▼ $1,064
Total Assets$16,799,886$16,747,448▼ $52,438
Other Assets Total$469,552$460,714▼ $8,838
Liabilities
Other Liabilities$13,708,494$13,585,848▼ $122,646
Accounts Payable and Accrued Expenses$26,658$31,606▲ $4,948
Total Liabilities$13,735,152$13,617,454▼ $117,698
Net Assets / Fund Balance
Unrestricted Net Assets$2,347,734$2,367,994▲ $20,260
Temporarily Rstr Net Assets$717,000$762,000▲ $45,000
Total Net Assets Fund Balance$3,064,734$3,129,994▲ $65,260
Total Liabilities and Net Assets / Fund Balance$16,799,886$16,747,448▼ $52,438

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$88$3,584$3,672
Compensation and Service Providers
Top Officer Pay9th percentile

Board Members and Trustees

NameTitle
Mark SimpsonPresident
Edward McgovernVice-president
John HaislopDirector
Rena LongstrethDirector
Tim StauferDirector
Jeff MolesSecretary
John VanmeterTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$449,417
Investment Income
$43,355
Other Revenue
$0
Change in Net Assets
$64,617
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$249,440
Salaries, Compensation, and Employee Benefits$178,715
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$132,536--$132,536
Other Salaries and Wages$99,719--$99,719
Other Employee Benefits$71,114--$71,114
Office Expenses$21,795--$21,795
Fees for Services Legal$12,794--$12,794
Conferences and Meetings$9,904--$9,904
Fees for Services Accounting$9,250--$9,250
Information Technology$8,176--$8,176
Payroll Taxes$7,882--$7,882
Insurance$5,787--$5,787
Other Expenses$4,243--$4,243
All Other Expenses$3,485--$3,485
Advertising$2,371--$2,371
Fees for Services Other$1,620--$1,620
Depreciation Depletion$769--$769
Total Functional Expenses$428,155$0$0$428,155
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share & Savings Accounts$13,585,848
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members who are required to maintain a share balnce of $5.”

Form 990, Part VI, Section A, Line 7A

“The members of the credit union elect the board of directors.”

Form 990, Part VI, Section A, Line 7B

“The members of the credit union vote on changes to code of regulations.”

Form 990, Part VI, Section B, Line 11B

“Form 990 will be reviewed, approved, and signed by an officer before submission. If possible, the form 990 will be made available to the full governing board prior to submission. Otherwise, the form 990 will be made available to the full governing board at its next meeting.”

Form 990, Part VI, Section B, Line 12C

“An annual conflict of interest statement is required to be completed and signed annually and it states that the official party is responsible for notifying appropriate board members of any conflict of interest.”

Form 990, Part VI, Section B, Line 15A

“Board uses hr performance evaluation”

Form 990, Part VI, Section C, Line 19

“Governing documents are available at the credit union upon request.”

Filing and Contact Details

Filer

Filer Name
794 Kyger Creek
EIN
31-0604035
Phone
7403675055
Address
5758 STATE ROUTE 7 N, CHESHIRE, OH 45620

Signing Officer

Name
Mark Simpson
Title
President
Phone
7403675055
Signed
2019-02-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mark Simpson
Formed
1957
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
14

Preparer

Firm
Whited Seigneur Sams & Rahe Cpas Llp
Address
213 SOUTH PAINT STREET, CHILLICOTHE, OH 45601-3828
Preparer
Jay Seigneur
Phone
7407022600
Raw XML Appendix366 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS WHO ARE REQUIRED TO MAINTAIN A SHARE BALNCE OF $5.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS OF THE CREDIT UNION VOTE ON CHANGES TO CODE OF REGULATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 WILL BE REVIEWED, APPROVED, AND SIGNED BY AN OFFICER BEFORE SUBMISSION. IF POSSIBLE, THE FORM 990 WILL BE MADE AVAILABLE TO THE FULL GOVERNING BOARD PRIOR TO SUBMISSION. OTHERWISE, THE FORM 990 WILL BE MADE AVAILABLE TO THE FULL GOVERNING BOARD AT ITS NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AN ANNUAL CONFLICT OF INTEREST STATEMENT IS REQUIRED TO BE COMPLETED AND SIGNED ANNUALLY AND IT STATES THAT THE OFFICIAL PARTY IS RESPONSIBLE FOR NOTIFYING APPROPRIATE BOARD MEMBERS OF ANY CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD USES HR PERFORMANCE EVALUATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS ARE AVAILABLE AT THE CREDIT UNION UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OH
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt0717000
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt0762000
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016799886
IRS990/TotalAssetsEOYAmt016747448
IRS990/TotalAssetsGrp/BOYAmt016799886
IRS990/TotalAssetsGrp/EOYAmt016747448
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0428155
IRS990/TotalFunctionalExpensesGrp/TotalAmt0428155
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013735152
IRS990/TotalLiabilitiesEOYAmt013617454
IRS990/TotalLiabilitiesGrp/BOYAmt013735152
IRS990/TotalLiabilitiesGrp/EOYAmt013617454
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03064734
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03129994
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0428155
IRS990/TotalProgramServiceRevenueAmt0449417
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0492772
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0492772
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016799886
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016747448
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnrestrictedNetAssetsGrp/BOYAmt02347734
IRS990/UnrestrictedNetAssetsGrp/EOYAmt02367994
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt05758 STATE ROUTE 7 N
IRS990/USAddress/CityNm0CHESHIRE
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd045620
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK SIMPSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07403675055
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-02-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0794 KYGER CREEK
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0KYGER CREEK CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0794K
ReturnHeader/Filer/EIN0310604035
ReturnHeader/Filer/PhoneNum07403675055
ReturnHeader/Filer/USAddress/AddressLine1Txt05758 STATE ROUTE 7 N
ReturnHeader/Filer/USAddress/CityNm0CHESHIRE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId055421540D0F21B7CEBD7E75D86A4F20E69CB751B
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0857C96843B5F65E28D0D41522C5317FE8E0D4281
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.249.136.204
ReturnHeader/FilingSecurityInformation/IPDt02019-02-20
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ES
ReturnHeader/FilingSecurityInformation/IPTm015:19:36
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0310962125
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITED SEIGNEUR SAMS & RAHE CPAS LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0213 SOUTH PAINT STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHILLICOTHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0OH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0456013828
ReturnHeader/PreparerPersonGrp/PhoneNum07407022600
ReturnHeader/PreparerPersonGrp/PreparationDt02019-02-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAY SEIGNEUR
ReturnHeader/ReturnTs02019-03-04T12:32:05-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,747,448
Liabilities
$13,617,454
Net assets
$3,129,994
Revenue
$492,772
Expenses
$428,155
Net income
$64,617
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.5$14.0$3.55$0.48$0.39$0.09
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$14.4$3.45$0.48$0.39$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.5$14.1$3.37$0.53$0.43$0.10
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$13.5$3.27$0.57$0.43$0.14
2018Detailed filing. Detailed filing data is available for this year.$16.7$13.6$3.13$0.49$0.43$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.8$13.7$3.06$0.47$0.37$0.11
2015Detailed filing. Detailed filing data is available for this year.$17.1$14.2$2.89$0.46$0.34$0.12
2014Detailed filing. Detailed filing data is available for this year.$17.1$14.3$2.77$0.47$0.40$0.06
2013Detailed filing. Detailed filing data is available for this year.$16.5$13.8$2.70$0.52$0.42$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.0$13.5$2.50$0.46
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$12.9$2.40$0.50
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $10M-$25M nonprofits