Civic Intelligence

794 Kyger Creek Kyger Creek Credit Union Inc

990 • Fiscal year 2019 • EIN 31-0604035

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 08, 2020

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

27th percentile

0.80x

Higher debt load relative to assets than 27% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

86th percentile

23.62x

Higher debt load relative to revenue than 86% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

89th percentile

24%

Higher net margin than 89% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

38th percentile

-0.0%

Faster asset growth than 38% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

89th percentile

16%

Faster revenue growth than 89% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets27th percentile

Assets

Down

$16,746,069

Down $1,379 (-0.0%) from 2018

Net Assets

Up

$3,266,649

Up $136,655 (+4.4%) from 2018

Liabilities

Down

$13,479,420

Down $138,034 (-1.0%) from 2018

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin89th percentile

Revenue

Up

$570,589

Up $77,817 (+16%) from 2018

Expenses

Up

$433,934

Up $5,779 (+1.3%) from 2018

Net Income

Up

$136,655

Up $72,038 (+111%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth38th 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

2019

Assets$16,746,069
Liabilities$13,479,420
Net Assets$3,266,649
Open 2019 Filing

Operations Trend

Revenue Growth89th 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

2019

Revenue$570,589
Expenses$433,934
Net Income$136,655
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 8, 2020
Return Version
2019v5.0
Gross Receipts
$570,589
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$11,890,308$11,592,751▼ $297,557
Savings and Temporary Cash Investments$4,360,375$4,667,834▲ $307,459
Accounts Receivable$12,484$12,021▼ $463
Cash and Non-Interest-Bearing Accounts$18,665$9,801▼ $8,864
Prepaid Expenses and Deferred Charges$4,814$4,567▼ $247
Land, Buildings, and Equipment, Net$88$0▼ $88
Total Assets$16,747,448$16,746,069▼ $1,379
Other Assets Total$460,714$459,095▼ $1,619
Liabilities
Other Liabilities$13,585,848$13,450,389▼ $135,459
Accounts Payable and Accrued Expenses$31,606$29,031▼ $2,575
Total Liabilities$13,617,454$13,479,420▼ $138,034
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,367,994$2,484,649▲ $116,655
Net Assets With Donor Restrictions$762,000$782,000▲ $20,000
Total Net Assets Fund Balance$3,129,994$3,266,649▲ $136,655
Total Liabilities and Net Assets / Fund Balance$16,747,448$16,746,069▼ $1,379

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$3,672$3,672
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$480,997
Investment Income
$89,592
Other Revenue
$0
Change in Net Assets
$136,655
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$263,655
Salaries, Compensation, and Employee Benefits$170,279
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$169,792--$169,792
Other Salaries and Wages$104,487--$104,487
Other Employee Benefits$57,493--$57,493
Office Expenses$29,209--$29,209
Fees for Services Legal$11,266--$11,266
Fees for Services Accounting$9,275--$9,275
Payroll Taxes$8,299--$8,299
Conferences and Meetings$7,352--$7,352
Information Technology$7,258--$7,258
Insurance$5,745--$5,745
Other Expenses$3,952--$3,952
All Other Expenses$2,669--$2,669
Advertising$1,547--$1,547
Fees for Services Other$1,228--$1,228
Depreciation Depletion$89--$89
Total Functional Expenses$433,934$0$0$433,934
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$13,450,389
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
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
2020-02-08
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 Appendix357 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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IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
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IRS990/ScheduleJRequiredInd00
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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/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016747448
IRS990/TotalAssetsEOYAmt016746069
IRS990/TotalAssetsGrp/BOYAmt016747448
IRS990/TotalAssetsGrp/EOYAmt016746069
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0433934
IRS990/TotalFunctionalExpensesGrp/TotalAmt0433934
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013617454
IRS990/TotalLiabilitiesEOYAmt013479420
IRS990/TotalLiabilitiesGrp/BOYAmt013617454
IRS990/TotalLiabilitiesGrp/EOYAmt013479420
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03129994
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03266649
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0433934
IRS990/TotalProgramServiceRevenueAmt0480997
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0570589
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0570589
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016747448
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016746069
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
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/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK SIMPSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07403675055
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-08
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
ReturnHeader/Filer/USAddress/ZIPCd045620
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DF5AAFEA6906AFF7DD2657BA74BDABA0CBD1D31A
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0AD31B49A699AECF139268AF70B5BDE3C01EF0742
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0147.0.10.106
ReturnHeader/FilingSecurityInformation/IPDt02020-02-08
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ES
ReturnHeader/FilingSecurityInformation/IPTm015:18:28
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/PreparationDt02020-02-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAY SEIGNEUR
ReturnHeader/ReturnTs02020-02-24T13:38:25-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,746,069
Liabilities
$13,479,420
Net assets
$3,266,649
Revenue
$570,589
Expenses
$433,934
Net income
$136,655
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
2019Detailed filing. Detailed filing data is available for this year.$16.7$13.5$3.27$0.57$0.43$0.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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