Civic Intelligence

Ash Employees Credit Union

990 • Fiscal year 2021 • EIN 37-0807500

Jan 01, 2021 to Dec 31, 2021 • Filed on Mar 10, 2022

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

45th percentile

0.85x

Higher debt load relative to assets than 45% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

17th percentile

15.07x

Higher debt load relative to revenue than 17% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Net Margin

84th percentile

23%

Higher net margin than 84% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

76th percentile

$62,378

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 21.8% of source-year revenue.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Asset Growth

46th percentile

4.6%

Faster asset growth than 46% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

96th percentile

17%

Faster revenue growth than 96% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$5,091,353

Up $222,357 (+4.6%) from 2020

Net Assets

Up

$785,576

Up $65,319 (+9.1%) from 2020

Liabilities

Up

$4,305,777

Up $157,038 (+3.8%) from 2020

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin84th percentile

Revenue

Up

$285,803

Up $41,938 (+17%) from 2020

Expenses

Down

$220,484

Down $23,381 (-9.6%) from 2020

Net Income

Up

$65,319

Up $65,319 from 2020

Historical Trend

Balance Sheet Trend

Asset Growth46th 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

2021

Assets$5,091,353
Liabilities$4,305,777
Net Assets$785,576
Open 2021 Filing

Operations Trend

Revenue Growth96th 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

2021

Revenue$285,803
Expenses$220,484
Net Income$65,319
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 10, 2022
Return Version
2021v4.1
Gross Receipts
$285,803
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$3,383,328$3,529,277▲ $145,949
Savings and Temporary Cash Investments$1,398,369$1,457,580▲ $59,211
Rtn Earn Endowment Incm Other Fnds$720,257$785,576▲ $65,319
Cash and Non-Interest-Bearing Accounts$18,812$35,704▲ $16,892
Land, Buildings, and Equipment, Net$22,124$16,395▼ $5,729
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,868,996$5,091,353▲ $222,357
Other Assets Total$46,363$52,397▲ $6,034
Liabilities
Other Liabilities$4,136,889$4,293,539▲ $156,650
Accounts Payable and Accrued Expenses$11,850$12,238▲ $388
Total Liabilities$4,148,739$4,305,777▲ $157,038
Net Assets / Fund Balance
Total Net Assets Fund Balance$720,257$785,576▲ $65,319
Total Liabilities and Net Assets / Fund Balance$4,868,996$5,091,353▲ $222,357

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,395$79,893$96,288
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cynthia WalkerPresident/board TreasurerFT$60,754$1,624$62,378

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$2,500
Program Service Revenue
$280,459
Investment Income
$1,440
Other Revenue
$1,404
All Other Contributions
$2,500
Change in Net Assets
$65,319
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$112,820
Other Expenses$107,664
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---$62,378
Other Salaries and Wages---$41,471
Fees for Services Other---$23,120
Depreciation Depletion---$17,868
Office Expenses---$10,969
Fees for Services Accounting---$8,694
All Other Expenses---$8,477
Payroll Taxes---$7,906
Insurance---$7,163
Conferences and Meetings---$2,027
Other Expenses---$1,711
Pension Plan Contributions---$1,065
Total Functional Expenses$0$0$0$220,484
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$250
Total Exempt Function Spending$250

Section 527 Organizations

OrganizationLocationAmount
36-3092340Naperville, IL$250
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$4,293,539
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
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
2022-03-10
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 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix345 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 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/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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04868996
IRS990/TotalAssetsEOYAmt05091353
IRS990/TotalAssetsGrp/BOYAmt04868996
IRS990/TotalAssetsGrp/EOYAmt05091353
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt02500
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0220484
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04148739
IRS990/TotalLiabilitiesEOYAmt04305777
IRS990/TotalLiabilitiesGrp/BOYAmt04148739
IRS990/TotalLiabilitiesGrp/EOYAmt04305777
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0720257
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0785576
IRS990/TotalOtherCompensationAmt01624
IRS990/TotalProgramServiceRevenueAmt0280459
IRS990/TotalReportableCompFromOrgAmt060754
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0283303
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0285803
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04868996
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05091353
IRS990/TotReportableCompRltdOrgAmt00
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IRS990/UnrelatedBusIncmOverLimitInd00
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IRS990/USAddress/ZIPCd0629060644
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06182026703
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ASH EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ASHE
ReturnHeader/Filer/EIN0370807500
ReturnHeader/Filer/PhoneNum06182026703
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 644
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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/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02022-02-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02022-03-10T11:15:52-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CYNTHIA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WALKER
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,091,353
Liabilities
$4,305,777
Net assets
$785,576
Revenue
$285,803
Expenses
$220,484
Net income
$65,319
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
2021Detailed filing. Detailed filing data is available for this year.$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
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$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