Civic Intelligence

Ash Employees Credit Union

990 • Fiscal year 2019 • EIN 37-0807500

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 19, 2020

Organization ProfileN/A
PO Box 644Anna, IL 62906-0644

(618) 202-6703

Siviq Scores

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

Liabilities / Assets

61st percentile

0.84x

Higher debt load relative to assets than 61% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

42nd percentile

14.41x

Higher debt load relative to revenue than 42% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

64th percentile

10%

Higher net margin than 64% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

88th percentile

$56,760

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 22.3% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

66th percentile

0.8%

Faster asset growth than 66% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

12th percentile

-6.4%

Faster revenue growth than 12% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$4,389,025

Up $32,753 (+0.8%) from 2018

Net Assets

Up

$720,257

Up $25,504 (+3.7%) from 2018

Liabilities

Up

$3,668,768

Up $7,249 (+0.2%) from 2018

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin64th percentile

Revenue

Down

$254,567

Down $17,461 (-6.4%) from 2018

Expenses

Down

$227,869

Down $34,159 (-13%) from 2018

Net Income

Up

$26,698

Up $16,698 (+167%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,721,090Liabilities 2010: $3,199,595Net Assets 2010: $521,4952010Assets 2011: $4,039,997Liabilities 2011: $3,504,488Net Assets 2011: $535,5092011Assets 2012: $4,576,004Liabilities 2012: $4,013,542Net Assets 2012: $562,4622012Assets 2013: $4,344,789Liabilities 2013: $3,750,886Net Assets 2013: $593,9032013Assets 2014: $4,483,581Liabilities 2014: $3,848,653Net Assets 2014: $634,9282014Assets 2015: $4,708,138Liabilities 2015: $4,043,385Net Assets 2015: $664,7532015Assets 2016: $4,885,816Liabilities 2016: $4,201,063Net Assets 2016: $684,7532016Assets 2017: $4,884,677Liabilities 2017: $4,199,924Net Assets 2017: $684,7532017Assets 2018: $4,356,272Liabilities 2018: $3,661,519Net Assets 2018: $694,7532018Assets 2019: $4,389,025Liabilities 2019: $3,668,768Net Assets 2019: $720,2572019Assets 2020: $4,868,996Liabilities 2020: $4,148,739Net Assets 2020: $720,2572020Assets 2021: $5,091,353Liabilities 2021: $4,305,777Net Assets 2021: $785,5762021Assets 2022: $4,900,005Liabilities 2022: $4,086,149Net Assets 2022: $813,8562022Assets 2024: $5,122,222Liabilities 2024: $4,149,695Net Assets 2024: $972,5272024

Highlighted filing

2019

Assets$4,389,025
Liabilities$3,668,768
Net Assets$720,257
Open 2019 Filing

Operations Trend

Revenue Growth12th percentile

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

$400K$300K$200K$100K$0Expenses 2010: $233,5772010Expenses 2011: $218,8172011Expenses 2012: $215,7292012Revenue 2013: $265,965Expenses 2013: $234,524Net Income 2013: $31,4412013Revenue 2014: $277,592Expenses 2014: $220,900Net Income 2014: $56,6922014Revenue 2015: $273,959Expenses 2015: $244,134Net Income 2015: $29,8252015Revenue 2016: $267,332Expenses 2016: $247,332Net Income 2016: $20,0002016Revenue 2017: $267,917Expenses 2017: $267,917Net Income 2017: $02017Revenue 2018: $272,028Expenses 2018: $262,028Net Income 2018: $10,0002018Revenue 2019: $254,567Expenses 2019: $227,869Net Income 2019: $26,6982019Revenue 2020: $243,865Expenses 2020: $243,865Net Income 2020: $02020Revenue 2021: $285,803Expenses 2021: $220,484Net Income 2021: $65,3192021Revenue 2022: $275,126Expenses 2022: $246,846Net Income 2022: $28,2802022Revenue 2024: $334,664Expenses 2024: $224,738Net Income 2024: $109,9262024

Highlighted filing

2019

Revenue$254,567
Expenses$227,869
Net Income$26,698
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 19, 2020
Return Version
2019v5.0
Gross Receipts
$254,567
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,363,294$3,359,664▼ $3,630
Savings and Temporary Cash Investments$903,580$927,633▲ $24,053
Rtn Earn Endowment Incm Other Fnds$694,753$720,257▲ $25,504
Land, Buildings, and Equipment, Net$9,149$29,236▲ $20,087
Cash and Non-Interest-Bearing Accounts$28,227$25,934▼ $2,293
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,356,272$4,389,025▲ $32,753
Other Assets Total$52,022$46,558▼ $5,464
Liabilities
Other Liabilities$3,655,998$3,662,158▲ $6,160
Accounts Payable and Accrued Expenses$5,521$6,610▲ $1,089
Total Liabilities$3,661,519$3,668,768▲ $7,249
Net Assets / Fund Balance
Total Net Assets Fund Balance$694,753$720,257▲ $25,504
Total Liabilities and Net Assets / Fund Balance$4,356,272$4,389,025▲ $32,753

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$29,236$66,463$95,699
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cynthia WalkerCredit Union President/board TreasurerFT$55,286$1,474$56,760

Board Members and Trustees

NameTitle
Lawanda JonesBoard President
Steve HartlineBoard Vice President
Carolyn TrippBoard Member
D Corey JeffordsBoard Member
Jason CochranBoard Member
Michele BurrisBoard Member
Athalyn HuntBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$235,340
Investment Income
$16,796
Other Revenue
$2,431
Change in Net Assets
$26,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$125,586
Salaries, Compensation, and Employee Benefits$102,283
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$56,760
Other Salaries and Wages---$37,522
Office Expenses---$12,677
Fees for Services Other---$12,487
Depreciation Depletion---$11,353
Fees for Services Accounting---$8,898
All Other Expenses---$8,606
Insurance---$7,282
Payroll Taxes---$7,222
Conferences and Meetings---$3,186
Other Expenses---$1,302
Pension Plan Contributions---$779
Advertising---$300
Total Functional Expenses$0$0$0$227,869
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 Deposits$3,662,158
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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 is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

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

“The credit union president/treasurer reviews the form 990 and presents it to the board of directors.”

Form 990, Part VI, Section B, line 15

“The personnel committee of the board of directors reviews and approves the president's compensation.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the credit union and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Ash Employees Credit Union
EIN
37-0807500
Phone
6182026703
Address
PO BOX 644, ANNA, IL 62906-0644

Signing Officer

Name
Cynthia Walker
Title
President/treasurer
Phone
6182026703
Signed
2020-02-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cynthia Walker
Formed
1952
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
8
Employees
2
Volunteers
7

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Accrued vacation adjustment per state exam -1,194.”

Raw XML Appendix337 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/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2019, THERE WERE 472 LOANS OUTSTANDING TOTALING $3,427,008.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION PRESIDENT/TREASURER REVIEWS THE FORM 990 AND PRESENTS IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ACCRUED VACATION ADJUSTMENT PER STATE EXAM -1,194.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04356272
IRS990/TotalAssetsEOYAmt04389025
IRS990/TotalAssetsGrp/BOYAmt04356272
IRS990/TotalAssetsGrp/EOYAmt04389025
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0227869
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03661519
IRS990/TotalLiabilitiesEOYAmt03668768
IRS990/TotalLiabilitiesGrp/BOYAmt03661519
IRS990/TotalLiabilitiesGrp/EOYAmt03668768
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0694753
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0720257
IRS990/TotalOtherCompensationAmt01474
IRS990/TotalProgramServiceRevenueAmt0235340
IRS990/TotalReportableCompFromOrgAmt055286
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0254567
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0254567
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04356272
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04389025
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 644
IRS990/USAddress/CityNm0ANNA
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd0629060644
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
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ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06182026703
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ASH EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ASHE
ReturnHeader/Filer/EIN0370807500
ReturnHeader/Filer/PhoneNum06182026703
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 644
ReturnHeader/Filer/USAddress/CityNm0ANNA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd0629060644
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02020-02-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm013:07:32
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02020-02-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02020-02-19T13:07:47-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$4,389,025
Liabilities
$3,668,768
Net assets
$720,257
Revenue
$254,567
Expenses
$227,869
Net income
$26,698
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.12$4.15$0.97$0.33$0.22$0.11
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.90$4.09$0.81$0.28$0.25$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.09$4.31$0.79$0.29$0.22$0.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.87$4.15$0.72$0.24$0.24$0.00
2019Detailed filing. Detailed filing data is available for this year.$4.39$3.67$0.72$0.25$0.23$0.03
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.36$3.66$0.69$0.27$0.26$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.88$4.20$0.68$0.27$0.27$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.89$4.20$0.68$0.27$0.25$0.02
2015Detailed filing. Detailed filing data is available for this year.$4.71$4.04$0.66$0.27$0.24$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.48$3.85$0.63$0.28$0.22$0.06
2013Detailed filing. Detailed filing data is available for this year.$4.34$3.75$0.59$0.27$0.23$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$4.01$0.56$0.22
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.04$3.50$0.54$0.22
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.72$3.20$0.52$0.23