Civic Intelligence

Kah Credit Union

990 • Fiscal year 2013 • EIN 42-6077673

Jan 01, 2013 to Dec 31, 2013 • Filed on May 13, 2014

Organization ProfileN/A
1600 Morgan StreetKeokuk, IA 52632

(319) 524-7150

Siviq Scores

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

Liabilities / Assets

22nd percentile

0.73x

Higher debt load relative to assets than 22% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

64th percentile

20.43x

Higher debt load relative to revenue than 64% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

18th percentile

-16%

Higher net margin than 18% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

21st percentile

$900

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

29th percentile

-3.7%

Faster asset growth than 29% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets22nd percentile

Assets

Down

$2,067,452

Down $78,371 (-3.7%) from 2012

Net Assets

Down

$563,653

Down $11,638 (-2.0%) from 2012

Liabilities

Down

$1,503,799

Down $66,733 (-4.2%) from 2012

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin18th percentile

Revenue

$73,597

No earlier filing loaded for comparison.

Expenses

Up

$85,235

Up $15,556 (+22%) from 2012

Net Income

-$11,638

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,194,223Liabilities 2011: $1,636,258Net Assets 2011: $557,9652011Assets 2012: $2,145,823Liabilities 2012: $1,570,532Net Assets 2012: $575,2912012Assets 2013: $2,067,452Liabilities 2013: $1,503,799Net Assets 2013: $563,6532013Assets 2014: $1,880,924Liabilities 2014: $1,338,081Net Assets 2014: $542,8432014Assets 2015: $1,801,197Liabilities 2015: $1,290,226Net Assets 2015: $510,9712015Assets 2017: $1,767,669Liabilities 2017: $1,237,955Net Assets 2017: $529,7142017Assets 2018: $1,690,228Liabilities 2018: $1,160,551Net Assets 2018: $529,6772018Assets 2019: $1,649,841Liabilities 2019: $1,120,473Net Assets 2019: $529,3682019Assets 2020: $1,755,054Liabilities 2020: $1,232,901Net Assets 2020: $522,1532020Assets 2022: $1,555,539Liabilities 2022: $1,063,097Net Assets 2022: $492,4422022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2013

Assets$2,067,452
Liabilities$1,503,799
Net Assets$563,653
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2011: $76,8102011Expenses 2012: $69,6792012Revenue 2013: $73,597Expenses 2013: $85,235Net Income 2013: -$11,6382013Revenue 2014: $65,864Expenses 2014: $84,698Net Income 2014: -$18,8342014Revenue 2015: $75,359Expenses 2015: $107,262Net Income 2015: -$31,9032015Revenue 2017: $52,379Expenses 2017: $46,773Net Income 2017: $5,6062017Revenue 2018: $51,447Expenses 2018: $51,484Net Income 2018: -$372018Revenue 2019: $53,209Expenses 2019: $47,907Net Income 2019: $5,3022019Revenue 2020: $44,519Expenses 2020: $51,734Net Income 2020: -$7,2152020Revenue 2022: $38,179Expenses 2022: $64,997Net Income 2022: -$26,8182022Revenue 2023: $0Expenses 2023: $0Net Income 2023: $02023

Highlighted filing

2013

Revenue$73,597
Expenses$85,235
Net Income-$11,638
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 13, 2014
Return Version
2013v3.1
Gross Receipts
$73,597
Mission and Program Overview

Mission

The mission of kah credit union is to provide a limited range of financial services to its members, most of whom are employees or former employees of keokuk area hospital

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,197,119$1,058,533▼ $138,586
Savings and Temporary Cash Investments$550,000$551,500▲ $1,500
Rtn Earn Endowment Incm Other Fnds$475,291$463,653▼ $11,638
Cash and Non-Interest-Bearing Accounts$372,184$437,809▲ $65,625
Cap Stk Tr Prin Current Funds$100,000$100,000→ $0
Investments Other Securities$6,610--
Prepaid Expenses and Deferred Charges$1,122--
Total Assets$2,145,823$2,067,452▼ $78,371
Other Assets Total$18,788$19,610▲ $822
Liabilities
Other Liabilities$1,569,879$1,502,506▼ $67,373
Accounts Payable and Accrued Expenses$653$1,293▲ $640
Total Liabilities$1,570,532$1,503,799▼ $66,733
Net Assets / Fund Balance
Total Net Assets Fund Balance$575,291$563,653▼ $11,638
Total Liabilities and Net Assets / Fund Balance$2,145,823$2,067,452▼ $78,371

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$8,502$8,502
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleBaseTotal
Kris KarreChairperson$900$900

Board Members and Trustees

NameTitle
Linda BrownVice-chairpe
Cathy PlatzDirector
Denise StutesDirector
Gail TadlockDirector
Susie WeeksDirector
Tracy AtterbergDirector
Wayne ShumanDirector
Melanie KellySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$65,545
Investment Income
$7,378
Other Revenue
$674
Change in Net Assets
$-11,638

Audited Revenue Reconciliation

Revenue per Audited Statements
$73,597
Total Revenue per Audited Statements
$73,597
Total Revenue per Form 990
$73,597
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$65,064
Salaries, Compensation, and Employee Benefits$20,171
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$20,171
Office Expenses---$8,831
Interest---$7,324
Fees for Services Accounting---$7,268
All Other Expenses---$1,294
Other Expenses---$1,172
Conferences and Meetings---$116
Total Functional Expenses$0$0$0$85,235

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$85,235
Total Expenses per Audited Statements$85,235
Total Expenses per Form 990$85,235
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
Shares of Members$1,501,902
Dividends Payable$604
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“MEMBERS”

Form 990, Page 6, Part VI, Line 7A

“Elections are held annually and are open to all members”

Form 990, Page 6, Part VI, Line 7B

“Decisions are approved by the board members”

Form 990, Page 6, Part VI, Line 11B

“The board chairman reviews the form 990 before it is filed”

Form 990, Page 6, Part VI, Line 12C

“Policies are reviewed and discussed at monthly meetings of the board of directors.”

Form 990, Page 6, Part VI, Line 15A

“Salary of the credit union manager is determined by the keokuk area hospital.”

Form 990, Page 6, Part VI, Line 15B

“The salary of the manager is set by the hospital, not by the board of directors. There are no highly compensated employees.”

Form 990, Page 6, Part VI, Line 19

“All items are available at the office of the organization at 1600 morgan st., keokuk, ia. Information is made available upon the request of a member of the public. Form 990 is posted on the organization's bulletin board.”

Filing and Contact Details

Filer

EIN
42-6077673
Phone
3195247150

Signing Officer

Name
Kris Karre
Title
Chairperson
Phone
3195247150
Signed
2014-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kris Karre
Formed
1963
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
4

Preparer

Preparer
Thomas R Behrens
Phone
2172247500
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Kah credit union provides share accounts and consumer loans for its members.”

Form 990, Part XI, Line 9

“Book/tax depreciation difference 0”

Raw XML Appendix331 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
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5SECRETARY
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0KAH CREDIT UNION PROVIDES SHARE ACCOUNTS AND CONSUMER LOANS FOR ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ELECTIONS ARE HELD ANNUALLY AND ARE OPEN TO ALL MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DECISIONS ARE APPROVED BY THE BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD CHAIRMAN REVIEWS THE FORM 990 BEFORE IT IS FILED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POLICIES ARE REVIEWED AND DISCUSSED AT MONTHLY MEETINGS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6SALARY OF THE CREDIT UNION MANAGER IS DETERMINED BY THE KEOKUK AREA HOSPITAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE SALARY OF THE MANAGER IS SET BY THE HOSPITAL, NOT BY THE BOARD OF DIRECTORS. THERE ARE NO HIGHLY COMPENSATED EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ALL ITEMS ARE AVAILABLE AT THE OFFICE OF THE ORGANIZATION AT 1600 MORGAN ST., KEOKUK, IA. INFORMATION IS MADE AVAILABLE UPON THE REQUEST OF A MEMBER OF THE PUBLIC. FORM 990 IS POSTED ON THE ORGANIZATION'S BULLETIN BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9BOOK/TAX DEPRECIATION DIFFERENCE 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02145823
IRS990/TotalAssetsEOYAmt02067452
IRS990/TotalAssetsGrp/BOYAmt02145823
IRS990/TotalAssetsGrp/EOYAmt02067452
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt085235
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01570532
IRS990/TotalLiabilitiesEOYAmt01503799
IRS990/TotalLiabilitiesGrp/BOYAmt01570532
IRS990/TotalLiabilitiesGrp/EOYAmt01503799
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0575291
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0563653
IRS990/TotalProgramServiceRevenueAmt065545
IRS990/TotalReportableCompFromOrgAmt0900
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt073597
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt073597
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02145823
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02067452
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101600 MORGAN STREET
IRS990/USAddress/City0KEOKUK
IRS990/USAddress/State0IA
IRS990/USAddress/ZIPCode0526323456
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KRIS KARRE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRPERSON
ReturnHeader/BusinessOfficerGrp/PhoneNum03195247150
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10KAH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KAHC
ReturnHeader/Filer/EIN0426077673
ReturnHeader/Filer/PhoneNum03195247150
ReturnHeader/Filer/USAddress/AddressLine101600 MORGAN STREET
ReturnHeader/Filer/USAddress/City0KEOKUK
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode052632
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ARNOLD BEHRENS NESBIT GRAY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10901 HAMPSHIRE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0QUINCY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode062301
ReturnHeader/PreparerPersonGrp/PhoneNum02172247500
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS R BEHRENS
ReturnHeader/ReturnTs02014-05-14T16:14:37-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,067,452
Liabilities
$1,503,799
Net assets
$563,653
Revenue
$73,597
Expenses
$85,235
Net income
-$11,638
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.00$0.00$0.00
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.56$1.06$0.49$0.04$0.06$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.76$1.23$0.52$0.04$0.05$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.65$1.12$0.53$0.05$0.05$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.69$1.16$0.53$0.05$0.05$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.77$1.24$0.53$0.05$0.05$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.80$1.29$0.51$0.08$0.11$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.88$1.34$0.54$0.07$0.08$0.02
2013Detailed filing. Detailed filing data is available for this year.$2.07$1.50$0.56$0.07$0.09$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.15$1.57$0.58$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.19$1.64$0.56$0.08
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $1M-$5M nonprofits