Civic Intelligence

794 Kyger Creek Kyger Creek Credit Union Inc

990 • Fiscal year 2020 • EIN 31-0604035

Jan 01, 2020 to Dec 31, 2020 • Filed on Feb 19, 2021

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

25th percentile

0.81x

Higher debt load relative to assets than 25% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

75th percentile

26.54x

Higher debt load relative to revenue than 75% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

84th percentile

19%

Higher net margin than 84% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

13th percentile

$0

Higher top officer pay than 13% of similar nonprofits.

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

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

12th percentile

4.3%

Faster asset growth than 12% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

47th percentile

-6.9%

Faster revenue growth than 47% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$17,458,872

Up $712,803 (+4.3%) from 2019

Net Assets

Up

$3,367,919

Up $101,270 (+3.1%) from 2019

Liabilities

Up

$14,090,953

Up $611,533 (+4.5%) from 2019

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin84th percentile

Revenue

Down

$531,026

Down $39,563 (-6.9%) from 2019

Expenses

Down

$429,756

Down $4,178 (-1.0%) from 2019

Net Income

Down

$101,270

Down $35,385 (-26%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2020

Assets$17,458,872
Liabilities$14,090,953
Net Assets$3,367,919
Open 2020 Filing

Operations Trend

Revenue Growth47th 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

2020

Revenue$531,026
Expenses$429,756
Net Income$101,270
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Feb 19, 2021
Return Version
2020v4.0
Gross Receipts
$531,026
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$11,592,751$10,731,704▼ $861,047
Savings and Temporary Cash Investments$4,667,834$6,246,137▲ $1,578,303
Accounts Receivable$12,021$15,300▲ $3,279
Prepaid Expenses and Deferred Charges$4,567$4,567→ $0
Cash and Non-Interest-Bearing Accounts$9,801$3,780▼ $6,021
Land, Buildings, and Equipment, Net$0--
Total Assets$16,746,069$17,458,872▲ $712,803
Other Assets Total$459,095$457,384▼ $1,711
Liabilities
Other Liabilities$13,450,389$14,061,382▲ $610,993
Accounts Payable and Accrued Expenses$29,031$29,571▲ $540
Total Liabilities$13,479,420$14,090,953▲ $611,533
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,484,649$2,605,919▲ $121,270
Net Assets With Donor Restrictions$782,000$762,000▼ $20,000
Total Net Assets Fund Balance$3,266,649$3,367,919▲ $101,270
Total Liabilities and Net Assets / Fund Balance$16,746,069$17,458,872▲ $712,803
Compensation and Service Providers
Top Officer Pay13th 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
$438,431
Investment Income
$92,595
Other Revenue
$0
Change in Net Assets
$101,270
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$247,443
Salaries, Compensation, and Employee Benefits$182,313
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$162,860--$162,860
Other Salaries and Wages$108,306--$108,306
Other Employee Benefits$65,770--$65,770
Office Expenses$21,239--$21,239
Fees for Services Legal$10,781--$10,781
Fees for Services Accounting$9,250--$9,250
Payroll Taxes$8,237--$8,237
Information Technology$7,008--$7,008
Conferences and Meetings$6,656--$6,656
Depreciation Depletion$6,012--$6,012
All Other Expenses$5,529--$5,529
Other Expenses$4,227--$4,227
Total Functional Expenses$429,756$0$0$429,756
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$14,061,382
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
2021-02-19
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
0
Volunteers
0

Preparer

Firm
Whited Seigneur Sams & Rahe Cpas Llp
Address
213 SOUTH PAINT STREET, CHILLICOTHE, OH 45601-3828
Preparer
Jay Seigneur
Phone
7407022600
Raw XML Appendix342 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/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
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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
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IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016746069
IRS990/TotalAssetsEOYAmt017458872
IRS990/TotalAssetsGrp/BOYAmt016746069
IRS990/TotalAssetsGrp/EOYAmt017458872
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0429756
IRS990/TotalFunctionalExpensesGrp/TotalAmt0429756
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013479420
IRS990/TotalLiabilitiesEOYAmt014090953
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IRS990/TotalLiabilitiesGrp/EOYAmt014090953
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03367919
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0429756
IRS990/TotalProgramServiceRevenueAmt0438431
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0531026
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0531026
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016746069
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017458872
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
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARK SIMPSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07403675055
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-02-19
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
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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/PreparationDt02021-02-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAY SEIGNEUR
ReturnHeader/ReturnTs02021-03-12T15:18:47-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MARK
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0SIMPSON
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,458,872
Liabilities
$14,090,953
Net assets
$3,367,919
Revenue
$531,026
Expenses
$429,756
Net income
$101,270
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
2020Detailed filing. Detailed filing data is available for this year.$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
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2020 filings • 501(c)14 • $10M-$25M nonprofits