Civic Intelligence

Kah Credit Union

990 • Fiscal year 2017 • EIN 42-6077673

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 27, 2018

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

18th percentile

0.70x

Higher debt load relative to assets than 18% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

73rd percentile

23.63x

Higher debt load relative to revenue than 73% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

71st percentile

11%

Higher net margin than 71% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

32nd percentile

$15,663

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 29.9% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

68th percentile

2.8%

Faster asset growth than 68% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

4th percentile

-21%

Faster revenue growth than 4% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$1,767,669

Down $33,528 (-1.9%) from 2015

Net Assets

Up

$529,714

Up $18,743 (+3.7%) from 2015

Liabilities

Down

$1,237,955

Down $52,271 (-4.1%) from 2015

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin71st percentile

Revenue

Down

$52,379

Down $22,980 (-30%) from 2015

Expenses

Down

$46,773

Down $60,489 (-56%) from 2015

Net Income

Up

$5,606

Up $37,509 (+118%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth68th 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

2017

Assets$1,767,669
Liabilities$1,237,955
Net Assets$529,714
Open 2017 Filing

Operations Trend

Revenue Growth4th percentile

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

2017

Revenue$52,379
Expenses$46,773
Net Income$5,606
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 27, 2018
Return Version
2017v2.2
Gross Receipts
$52,379
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

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
Savings and Temporary Cash Investments$763,701$865,608▲ $101,907
Other Notes and Loans Receivable, Net$658,613$588,134▼ $70,479
Rtn Earn Endowment Incm Other Fnds$424,109$429,714▲ $5,605
Cash and Non-Interest-Bearing Accounts$226,362$244,119▲ $17,757
Cap Stk Tr Prin Current Funds$100,000$100,000→ $0
Investments Program Related$50,000$50,000→ $0
Prepaid Expenses and Deferred Charges$4,164$3,048▼ $1,116
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$1,718,709$1,767,669▲ $48,960
Other Assets Total$15,869$16,760▲ $891
Liabilities
Other Liabilities$1,187,513$1,229,842▲ $42,329
Accounts Payable and Accrued Expenses$7,087$8,113▲ $1,026
Total Liabilities$1,194,600$1,237,955▲ $43,355
Net Assets / Fund Balance
Total Net Assets Fund Balance$524,109$529,714▲ $5,605
Total Liabilities and Net Assets / Fund Balance$1,718,709$1,767,669▲ $48,960
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Paula VickersCredit Union ManagerPT$15,663$15,663
Kristina KarreCFO-$2,600$2,600

Board Members and Trustees

NameTitle
Wayne ShumanChairman of the Board
Cathy PlatzVice-chair
Deborah JohnsonDirector
Debra FaulknerDirector
Edward WestDirector
Jean SaxtonDirector
Renee MccartyDirector
Sherry HeitmanDirector
Linda AtterbergSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$44,873
Investment Income
$6,531
Other Revenue
$975
Change in Net Assets
$5,606
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$26,331
Salaries, Compensation, and Employee Benefits$20,442
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$18,263--$18,263
Fees for Services Accounting$7,704--$7,704
Insurance$4,891--$4,891
Information Technology$4,033--$4,033
Interest$2,695--$2,695
Office Expenses$2,208--$2,208
Other Salaries and Wages$2,179--$2,179
Payments to Affiliates$812--$812
Other Expenses$300--$300
Conferences and Meetings$110--$110
Total Functional Expenses$46,773$0$0$46,773
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 Shares$1,229,842
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“MEMBERS”

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

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

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

“Decisions are approved by the board members.”

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

“The board chairman and board members are sent a draft of the 990 to review before filing.”

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

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

Form 990, Part VI, Section B, Line 15

“The salary of the credit union manager is determined by keokuk area hospital, not by the board of directors. There are no highly compensated employees.”

Form 990, Part VI, Section C, Line 19

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

Filing and Contact Details

Filer

Filer Name
Kah Credit Union
EIN
42-6077673
Phone
3195247150
Address
1600 MORGAN STREET, KEOKUK, IA 52632

Signing Officer

Name
Kristina Karre
Title
Financial Officer
Phone
3195247150
Signed
2018-04-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristina Karre
Formed
1963
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
2
Volunteers
0

Preparer

Firm
Gardiner Thomsen
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
C L Telk Jr CPA
Phone
5152701446
Raw XML Appendix367 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/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT UNION MANAGER
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ELECTIONS ARE HELD ANNUALLY AND ARE OPEN TO ALL MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS ARE APPROVED BY THE BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD CHAIRMAN AND BOARD MEMBERS ARE SENT A DRAFT OF THE 990 TO REVIEW BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICIES ARE REVIEWED AND DISCUSSED AT MONTHLY MEETINGS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE SALARY OF THE CREDIT UNION MANAGER IS DETERMINED BY KEOKUK AREA HOSPITAL, NOT BY THE BOARD OF DIRECTORS. THERE ARE NO HIGHLY COMPENSATED EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL ITEMS ARE AVAILABLE AT THE OFFICE OF THE ORGANIZATION AT 1600 MORGAN STREET, KEOKUK, IA. INFORMATION IS MADE AVAILABLE UPON REQUEST OF A MEMBER OF THE PUBLIC. FORM 990 IS POSTED ON THE ORGANIZATIONS BULLETIN BOARD.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01718709
IRS990/TotalAssetsEOYAmt01767669
IRS990/TotalAssetsGrp/BOYAmt01718709
IRS990/TotalAssetsGrp/EOYAmt01767669
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt046773
IRS990/TotalFunctionalExpensesGrp/TotalAmt046773
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01194600
IRS990/TotalLiabilitiesEOYAmt01237955
IRS990/TotalLiabilitiesGrp/BOYAmt01194600
IRS990/TotalLiabilitiesGrp/EOYAmt01237955
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0524109
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0529714
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt046773
IRS990/TotalProgramServiceRevenueAmt044873
IRS990/TotalReportableCompFromOrgAmt018263
IRS990/TotalRevenueGrp/ExclusionAmt06531
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt045848
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt052379
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01718709
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01767669
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01600 MORGAN ST
IRS990/USAddress/CityNm0KEOKUK
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052632
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINA KARRE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum03195247150
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KAH CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KAHC
ReturnHeader/Filer/EIN0426077673
ReturnHeader/Filer/PhoneNum03195247150
ReturnHeader/Filer/USAddress/AddressLine1Txt01600 MORGAN STREET
ReturnHeader/Filer/USAddress/CityNm0KEOKUK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd052632
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId078F8C91D6504F7A0444B60F6750A7491C18CF716
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0868275DD82532EC880E956C9A8FB42895C992810
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.69.145.49
ReturnHeader/FilingSecurityInformation/IPDt02018-05-04
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:11:55
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER THOMSEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0C L TELK JR CPA
ReturnHeader/ReturnTs02018-05-04T10:12:06-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,767,669
Liabilities
$1,237,955
Net assets
$529,714
Revenue
$52,379
Expenses
$46,773
Net income
$5,606
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
2017Detailed filing. Detailed filing data is available for this year.$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. 2017 filings • 501(c)14 • $1M-$5M nonprofits