Civic Intelligence

Capitol View Credit Union

990 • Fiscal year 2013 • EIN 42-0742483

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 12, 2013

Organization ProfileWWW.CAPVIEW.COM
1000 East Grand AvenueDes Moines, IA 50319

(515) 725-2167

Siviq Scores

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

Liabilities / Assets

28th percentile

0.85x

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

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

47th percentile

18.97x

Higher debt load relative to revenue than 47% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

62nd percentile

9.1%

Higher net margin than 62% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

86th percentile

$134,901

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 9.9% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

81st percentile

5.6%

Faster asset growth than 81% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$30,167,058

Up $1,604,150 (+5.6%) from 2012

Net Assets

Up

$4,396,118

Up $185,888 (+4.4%) from 2012

Liabilities

Up

$25,770,940

Up $1,418,262 (+5.8%) from 2012

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin62nd percentile

Revenue

$1,358,405

No earlier filing loaded for comparison.

Expenses

Up

$1,235,121

Up $22,013 (+1.8%) from 2012

Net Income

$123,284

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$60M$40M$20M$0Assets 2010: $24,901,604Liabilities 2010: $20,927,601Net Assets 2010: $3,974,0032010Assets 2012: $28,562,908Liabilities 2012: $24,352,678Net Assets 2012: $4,210,2302012Assets 2013: $30,167,058Liabilities 2013: $25,770,940Net Assets 2013: $4,396,1182013Assets 2014: $31,148,851Liabilities 2014: $26,552,675Net Assets 2014: $4,596,1762014Assets 2015: $32,061,525Liabilities 2015: $27,172,199Net Assets 2015: $4,889,3262015Assets 2016: $33,344,285Liabilities 2016: $28,248,406Net Assets 2016: $5,095,8792016Assets 2017: $34,404,227Liabilities 2017: $29,031,904Net Assets 2017: $5,372,3232017Assets 2018: $36,418,530Liabilities 2018: $30,793,728Net Assets 2018: $5,624,8022018Assets 2019: $36,051,724Liabilities 2019: $30,195,664Net Assets 2019: $5,856,0602019Assets 2020: $40,888,200Liabilities 2020: $34,906,601Net Assets 2020: $5,981,5992020Assets 2021: $44,112,929Liabilities 2021: $37,992,031Net Assets 2021: $6,120,8982021Assets 2022: $44,234,182Liabilities 2022: $37,754,656Net Assets 2022: $6,479,5262022Assets 2023: $43,563,121Liabilities 2023: $36,342,504Net Assets 2023: $7,220,6172023Assets 2024: $44,427,110Liabilities 2024: $36,388,674Net Assets 2024: $8,038,4362024

Highlighted filing

2013

Assets$30,167,058
Liabilities$25,770,940
Net Assets$4,396,118
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,247,4192010Expenses 2012: $1,213,1082012Revenue 2013: $1,358,405Expenses 2013: $1,235,121Net Income 2013: $123,2842013Revenue 2014: $1,404,335Expenses 2014: $1,233,962Net Income 2014: $170,3732014Revenue 2015: $1,492,759Expenses 2015: $1,249,506Net Income 2015: $243,2532015Revenue 2016: $1,510,775Expenses 2016: $1,310,659Net Income 2016: $200,1162016Revenue 2017: $1,586,864Expenses 2017: $1,317,363Net Income 2017: $269,5012017Revenue 2018: $1,695,693Expenses 2018: $1,458,019Net Income 2018: $237,6742018Revenue 2019: $1,837,313Expenses 2019: $1,612,984Net Income 2019: $224,3292019Revenue 2020: $1,627,983Expenses 2020: $1,502,444Net Income 2020: $125,5392020Revenue 2021: $1,374,765Expenses 2021: $1,235,466Net Income 2021: $139,2992021Revenue 2022: $1,762,812Expenses 2022: $1,404,184Net Income 2022: $358,6282022Revenue 2023: $2,472,033Expenses 2023: $1,804,224Net Income 2023: $667,8092023Revenue 2024: $2,803,490Expenses 2024: $2,101,907Net Income 2024: $701,5832024

Highlighted filing

2013

Revenue$1,358,405
Expenses$1,235,121
Net Income$123,284
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 12, 2013
Return Version
2013v3.0
Gross Receipts
$1,358,405
Mission and Program Overview

Mission

Capitol view credit union is a member owned financial institution and is dedicated to serving our members with quality, cost effective financial products and services. We value the small-town relationships and honesty that a small credit union can provide. By combining small-town relationships with big-city services we open the door to quality, responsible financing. We are committed to our members: providing them with helpful, easy-to-use services that aim towards achieving their financial goals. Total members served in 2014 - 2,011.

Capitol view credit union provides financial services to it's members at fair and reasonable rates and terms with a small town touch.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,650,878$20,700,317▲ $1,049,439
Investments Program Related$5,004,742$8,363,709▲ $3,358,967
Rtn Earn Endowment Incm Other Fnds$3,246,868$3,370,274▲ $123,406
Savings and Temporary Cash Investments$2,681,896$0▼ $2,681,896
Pd in Cap Srpls Land Bldg Eqp Fund$963,362$1,025,844▲ $62,482
Cash and Non-Interest-Bearing Accounts$375,938$305,273▼ $70,665
Prepaid Expenses and Deferred Charges$38,307$27,737▼ $10,570
Land, Buildings, and Equipment, Net$22,051$16,442▼ $5,609
Accounts Receivable$33,698$12,445▼ $21,253
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$28,562,908$30,167,058▲ $1,604,150
Other Assets Total$755,398$741,135▼ $14,263
Liabilities
Other Liabilities$24,266,744$25,692,743▲ $1,425,999
Accounts Payable and Accrued Expenses$85,934$78,197▼ $7,737
Total Liabilities$24,352,678$25,770,940▲ $1,418,262
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,210,230$4,396,118▲ $185,888
Total Liabilities and Net Assets / Fund Balance$28,562,908$30,167,058▲ $1,604,150

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,442$133,511$149,953
Investment Program Related Org$34,300--
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brent KowalskyCEOFT$122,536$12,365$134,901

Board Members and Trustees

NameTitle
Carl MartinChairman of Board
Mary BryantVice Chair Board
Ann GarveyBoard Member
Bert PolzinBoard Member
Penny MaxwellBoard Member
Suzanne HuttonBoard Member
Tara Ganpat-puffettBoard Member
Anne JacksonCFO of Board
Genevieve BellSecretary of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$946,121
Investment Income
$46,183
Other Revenue
$366,101
Change in Net Assets
$123,284
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$738,230
Salaries, Compensation, and Employee Benefits$496,891
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$288,338--$288,338
Office Expenses$173,100--$173,100
Interest$154,616--$154,616
Current Officers, Directors, Trustees, and Key Employees$134,901--$134,901
Advertising$55,710--$55,710
Fees for Services Other$47,638--$47,638
Other Employee Benefits$38,697--$38,697
Insurance$36,481--$36,481
Payroll Taxes$30,830--$30,830
Other Expenses$27,771--$27,771
Depreciation Depletion$24,755--$24,755
All Other Expenses$22,525--$22,525
Travel$13,654--$13,654
Payments to Affiliates$13,106--$13,106
Pension Plan Contributions$4,125--$4,125
Conferences and Meetings$3,804--$3,804
Fees for Services Accounting$3,383--$3,383
Fees for Services Legal$981--$981
Occupancy$900--$900
Total Functional Expenses$1,235,121$0$0$1,235,121
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
Members Shares$25,692,743
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Capitol view credit union membership is not available to the general public. If you, or a family member are employed by one of these groups, you are eligible to join capitol view credit union: employees of the state of iowa employees of the state of iowa and employees of persons who contract services with the state of iowa employees of capitol view credit union workforce development center employees who administer employment and training programs including family members.”

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

“Board elections are held annually and three members are elected to a three year term. All members who are at least 16 years old at the time of the election can vote. There is a total of nine members that currently sit on the board.”

Form 990, Part VI, Section B, Line 11

“A copy of form 990 was provided to the organization's governing body at their monthly meeting for their review before it was filed.”

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

“The organizaiton provides a copy of the policy to the board members annually after the board election at the annual meeting.”

Form 990, Part VI, Section B, Line 15

“Captial view credit union uses surveys provided by credit union executive society(cues) and/or credit union national association (cuna) as to salaries for all staff including the ceo. The ceo's compensation package is reviewed, documented and approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Policies are available on request at our office at 1000 east grand aveneu, des moines, ia. Financial statements are posted on our website and in our office.”

Filing and Contact Details

Filer

EIN
42-0742483
Phone
5157252167

Signing Officer

Name
Brent Kowalsky
Title
CEO
Phone
5157252167
Signed
2013-02-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brent Kowalsky
Formed
1944
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
0

Preparer

Preparer
C L Telk Jr CPA
Phone
5152701446
Raw XML Appendix399 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/ActivityOrMissionDesc0CAPITOL VIEW CREDIT UNION PROVIDES FINANCIAL SERVICES TO IT'S MEMBERS AT FAIR AND REASONABLE RATES AND TERMS WITH A SMALL TOWN TOUCH.
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IRS990/Desc0OUR MEMBERSHIP IS LIMITED TO PRIMARILY STATE OF IOWA EMPLOYEES AND THEIR FAMILY MEMBERS. AS OF 12-31-2013 WE HAD 1,986 MEMBERS. WE OFFER AUTO LOANS, HOME EQUITY LOANS, MORTGAGE LOANS, PERSONAL LOANS, PRIVATE STUDENT LOANS AND CREDIT CARD LOANS. OUR LOAN RATES ARE USUALLY LOWER THAN MOST COMPETITORS. AS OF DECEMBER 31, 2013 WE HAD 220 REAL ESTATE RELATED LOANS, 602 AUTO RELATED LOANS, 621 CREDIT CARD LOANS, 21 PRIVATE STUDENT LOANS AND 284 PERSONAL LOANS. IN GRAND TOTAL WE LENT $13,225,679 TO OUR MEMBERS DURING 2013.DEPOSIT SERVICES OFFERED INCLUDED SHARE SAVINGS, SHARE DRAFT, SHARE CERTIFICATES, IRA, ROTH IRA, EDUCATION IRA, CLUB ACCOUNTS AND MONEY MARKET ACCOUNTS. EACH MEMBER MUST HAVE AT LEAST A $25 SHARE SAVINGS ACCOUNT TO BE A MEMBER. WE HAD 1,986 MEMBERS WITH $25,706,801 IN TOTAL DEPOSITS AS OF 12-31-13. 1,127 MEMBERS HAD TRANSACTION ACCOUNTS WITH BALANCES OF $2,832,715 AS OF 12-31-13. WE OFFER ACCESS TO OUR MEMBERS ACCOUNTS THROUGH OUR OFFICE, OR THE INTERNET, ATM MACHINES, DEBIT OR CREDIT CARDS, OR THE SHARED BRANCHING NETWORK WE BELONG TO THAT ALLOWS OUR MEMBERS TO VISIT OVER 5000 SHARED BRANCHES NATIONWIDE. SHARED BRANCHES ARE OTHER CREDIT UNIONS THAT CHARGE US A FEE IF OUR MEMBER COMES IN AND DOES A TRANSACTION ON THEIR ACCOUNT WITH US. IN ADDITION TO THE COST OF SUPPLYING THESE ACCESS POINTS WE ALSO PAY FOR THE SECURITY SERVICES FOR THEM.
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IRS990/MissionDesc0CAPITOL VIEW CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION AND IS DEDICATED TO SERVING OUR MEMBERS WITH QUALITY, COST EFFECTIVE FINANCIAL PRODUCTS AND SERVICES. WE VALUE THE SMALL-TOWN RELATIONSHIPS AND HONESTY THAT A SMALL CREDIT UNION CAN PROVIDE. BY COMBINING SMALL-TOWN RELATIONSHIPS WITH BIG-CITY SERVICES WE OPEN THE DOOR TO QUALITY, RESPONSIBLE FINANCING. WE ARE COMMITTED TO OUR MEMBERS: PROVIDING THEM WITH HELPFUL, EASY-TO-USE SERVICES THAT AIM TOWARDS ACHIEVING THEIR FINANCIAL GOALS. TOTAL MEMBERS SERVED IN 2013 - 1,986.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04210230
IRS990/NetAssetsOrFundBalancesEOYAmt04396118
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0900
IRS990/OccupancyGrp/TotalAmt0900
IRS990/OfficeExpensesGrp/ProgramServicesAmt0173100
IRS990/OfficeExpensesGrp/TotalAmt0173100
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0755398
IRS990/OtherAssetsTotalGrp/EOYAmt0741135
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt038697
IRS990/OtherEmployeeBenefitsGrp/TotalAmt038697
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt0113719
IRS990/OtherExpensesGrp/ProgramServicesAmt146087
IRS990/OtherExpensesGrp/ProgramServicesAmt227771
IRS990/OtherExpensesGrp/TotalAmt0113719
IRS990/OtherExpensesGrp/TotalAmt146087
IRS990/OtherExpensesGrp/TotalAmt227771
IRS990/OtherLiabilitiesGrp/BOYAmt024266744
IRS990/OtherLiabilitiesGrp/EOYAmt025692743
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0SERVICE FEES
IRS990/OtherRevenueMiscGrp/Desc1DEBIT/CREDIT CARD INCO
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0167643
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1135067
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0167643
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1135067
IRS990/OtherRevenueTotalAmt0366101
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0288338
IRS990/OtherSalariesAndWagesGrp/TotalAmt0288338
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019650878
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020700317
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt013106
IRS990/PaymentsToAffiliatesGrp/TotalAmt013106
IRS990/PayrollTaxesGrp/ProgramServicesAmt030830
IRS990/PayrollTaxesGrp/TotalAmt030830
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0963362
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01025844
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt04125
IRS990/PensionPlanContributionsGrp/TotalAmt04125
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt038307
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt027737
IRS990/PrincipalOfficerNm0BRENT KOWALSKY
IRS990/PriorPeriodAdjustmentsAmt062604
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0946121
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0946121
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt065678
IRS990/PYOtherExpensesAmt0753653
IRS990/PYOtherRevenueAmt0342053
IRS990/PYProgramServiceRevenueAmt0942608
IRS990/PYRevenuesLessExpensesAmt0137231
IRS990/PYSalariesCompEmpBnftPaidAmt0459455
IRS990/PYTotalExpensesAmt01213108
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01350339
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0123284
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt01312222
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03246868
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03370274
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02681896
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt016442
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0133511
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0149953
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt04995001
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt13334408
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt234300
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NATIONAL COOPERATIVE BANK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FHLB MEMBERSHIP STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025692743
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt016442
IRS990ScheduleD/TotalBookValueProgramRltdAmt08363709
IRS990ScheduleD/TotalLiabilityAmt025692743
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CAPITOL VIEW CREDIT UNION MEMBERSHIP IS NOT AVAILABLE TO THE GENERAL PUBLIC. IF YOU, OR A FAMILY MEMBER ARE EMPLOYED BY ONE OF THESE GROUPS, YOU ARE ELIGIBLE TO JOIN CAPITOL VIEW CREDIT UNION: EMPLOYEES OF THE STATE OF IOWA EMPLOYEES OF THE STATE OF IOWA AND EMPLOYEES OF PERSONS WHO CONTRACT SERVICES WITH THE STATE OF IOWA EMPLOYEES OF CAPITOL VIEW CREDIT UNION WORKFORCE DEVELOPMENT CENTER EMPLOYEES WHO ADMINISTER EMPLOYMENT AND TRAINING PROGRAMS INCLUDING FAMILY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD ELECTIONS ARE HELD ANNUALLY AND THREE MEMBERS ARE ELECTED TO A THREE YEAR TERM. ALL MEMBERS WHO ARE AT LEAST 16 YEARS OLD AT THE TIME OF THE ELECTION CAN VOTE. THERE IS A TOTAL OF NINE MEMBERS THAT CURRENTLY SIT ON THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF FORM 990 WAS PROVIDED TO THE ORGANIZATION'S GOVERNING BODY AT THEIR MONTHLY MEETING FOR THEIR REVIEW BEFORE IT WAS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZAITON PROVIDES A COPY OF THE POLICY TO THE BOARD MEMBERS ANNUALLY AFTER THE BOARD ELECTION AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CAPTIAL VIEW CREDIT UNION USES SURVEYS PROVIDED BY CREDIT UNION EXECUTIVE SOCIETY(CUES) AND/OR CREDIT UNION NATIONAL ASSOCIATION (CUNA) AS TO SALARIES FOR ALL STAFF INCLUDING THE CEO. THE CEO'S COMPENSATION PACKAGE IS REVIEWED, DOCUMENTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POLICIES ARE AVAILABLE ON REQUEST AT OUR OFFICE AT 1000 EAST GRAND AVENEU, DES MOINES, IA. FINANCIAL STATEMENTS ARE POSTED ON OUR WEBSITE AND IN OUR OFFICE.
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 B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
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/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt028562908
IRS990/TotalAssetsEOYAmt030167058
IRS990/TotalAssetsGrp/BOYAmt028562908
IRS990/TotalAssetsGrp/EOYAmt030167058
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01235121
IRS990/TotalFunctionalExpensesGrp/TotalAmt01235121
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt024352678
IRS990/TotalLiabilitiesEOYAmt025770940
IRS990/TotalLiabilitiesGrp/BOYAmt024352678
IRS990/TotalLiabilitiesGrp/EOYAmt025770940
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04210230
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04396118
IRS990/TotalOtherCompensationAmt012365
IRS990/TotalProgramServiceExpensesAmt01235121
IRS990/TotalProgramServiceRevenueAmt0946121
IRS990/TotalReportableCompFromOrgAmt0122536
IRS990/TotalRevenueGrp/ExclusionAmt046183
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01312222
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01358405
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028562908
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030167058
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt013654
IRS990/TravelGrp/TotalAmt013654
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101000 EAST GRAND AVENUE
IRS990/USAddress/City0DES MOINES
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode050319
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.CAPVIEW.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENT KOWALSKY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05157252167
ReturnHeader/BusinessOfficerGrp/SignatureDt02013-02-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10CAPITAL VIEW CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CAPI
ReturnHeader/Filer/EIN0420742483
ReturnHeader/Filer/PhoneNum05157252167
ReturnHeader/Filer/USAddress/AddressLine101000 EAST GRAND AVENUE
ReturnHeader/Filer/USAddress/City0DES MOINES
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode050319
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10GARDINER THOMSEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0C L TELK JR CPA
ReturnHeader/ReturnTs02014-02-12T15:26:36-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$30,167,058
Liabilities
$25,770,940
Net assets
$4,396,118
Revenue
$1,358,405
Expenses
$1,235,121
Net income
$123,284
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$44.4$36.4$8.04$2.80$2.10$0.70
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.6$36.3$7.22$2.47$1.80$0.67
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.2$37.8$6.48$1.76$1.40$0.36
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.1$38.0$6.12$1.37$1.24$0.14
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.9$34.9$5.98$1.63$1.50$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.1$30.2$5.86$1.84$1.61$0.22
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$36.4$30.8$5.62$1.70$1.46$0.24
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.4$29.0$5.37$1.59$1.32$0.27
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.3$28.2$5.10$1.51$1.31$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.1$27.2$4.89$1.49$1.25$0.24
2014Detailed filing. Detailed filing data is available for this year.$31.1$26.6$4.60$1.40$1.23$0.17
2013Detailed filing. Detailed filing data is available for this year.$30.2$25.8$4.40$1.36$1.24$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.6$24.4$4.21$1.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.9$20.9$3.97$1.25
Peer Organizations

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