Civic Intelligence

Kah Credit Union

990 • Fiscal year 2021 • EIN 42-6077673

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 14, 2022

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

23rd percentile

0.69x

Higher debt load relative to assets than 23% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

79th percentile

28.95x

Higher debt load relative to revenue than 79% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

25th percentile

-7.3%

Higher net margin than 25% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

38th percentile

$15,782

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 39.9% of source-year revenue.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

15th percentile

-5.2%

Faster asset growth than 15% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

38th percentile

-11%

Faster revenue growth than 38% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Down

$1,664,213

Down $90,841 (-5.2%) from 2020

Net Assets

Down

$519,260

Down $2,893 (-0.6%) from 2020

Liabilities

Down

$1,144,953

Down $87,948 (-7.1%) from 2020

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin25th percentile

Revenue

Down

$39,556

Down $4,963 (-11%) from 2020

Expenses

Down

$42,449

Down $9,285 (-18%) from 2020

Net Income

Up

-$2,893

Up $4,322 (+60%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth15th 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 2021: $1,664,213Liabilities 2021: $1,144,953Net Assets 2021: $519,2602021Assets 2022: $1,555,539Liabilities 2022: $1,063,097Net Assets 2022: $492,4422022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2021

Assets$1,664,213
Liabilities$1,144,953
Net Assets$519,260
Open 2021 Filing

Operations Trend

Revenue Growth38th 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 2021: $39,556Expenses 2021: $42,449Net Income 2021: -$2,8932021Revenue 2022: $38,179Expenses 2022: $64,997Net Income 2022: -$26,8182022Revenue 2023: $0Expenses 2023: $0Net Income 2023: $02023

Highlighted filing

2021

Revenue$39,556
Expenses$42,449
Net Income-$2,893
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 14, 2022
Return Version
2021v4.2
Gross Receipts
$39,556
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$875,080$875,645▲ $565
Other Notes and Loans Receivable, Net$464,424$449,541▼ $14,883
Rtn Earn Endowment Incm Other Fnds$422,153$419,260▼ $2,893
Cash and Non-Interest-Bearing Accounts$335,449$259,927▼ $75,522
Cap Stk Tr Prin Current Funds$100,000$100,000→ $0
Investments Program Related$50,000$50,000→ $0
Prepaid Expenses and Deferred Charges$3,817$3,263▼ $554
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$1,755,054$1,664,213▼ $90,841
Other Assets Total$26,284$25,837▼ $447
Liabilities
Other Liabilities$1,230,404$1,142,489▼ $87,915
Accounts Payable and Accrued Expenses$2,497$2,464▼ $33
Total Liabilities$1,232,901$1,144,953▼ $87,948
Net Assets / Fund Balance
Total Net Assets Fund Balance$522,153$519,260▼ $2,893
Total Liabilities and Net Assets / Fund Balance$1,755,054$1,664,213▼ $90,841
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Paula VickersCredit Union ManagerPT$15,782$15,782

Board Members and Trustees

NameTitle
Wayne ShumanChairman of the Board
Barb MoylanVice Chair
Dawn BakkenDirector
Donna LuncsfordDirector
Ed WestDirector
Lisa HayesCFO
Linda AtterbergSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,898
Investment Income
$6,852
Other Revenue
$806
Change in Net Assets
$-2,893
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,476
Salaries, Compensation, and Employee Benefits$19,973
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$15,782--$15,782
Office Expenses$6,246--$6,246
Insurance$5,253--$5,253
Other Salaries and Wages$4,191--$4,191
Information Technology$4,068--$4,068
Interest$2,586--$2,586
Fees for Services Accounting$2,366--$2,366
Payments to Affiliates$310--$310
Other Expenses$282--$282
Conferences and Meetings$50--$50
Total Functional Expenses$42,449$0$0$42,449
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$1,142,489
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 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
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
Paula Vickers
Title
Credit Union Manager
Phone
3195247150
Signed
2022-06-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Paula Vickers
Formed
1963
Legal Domicile
Ia
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Dennis Gardiner CPA
Phone
5152701446
Raw XML Appendix343 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/TitleTxt3CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CREDIT UNION MANAGER
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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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01755054
IRS990/TotalAssetsEOYAmt01664213
IRS990/TotalAssetsGrp/BOYAmt01755054
IRS990/TotalAssetsGrp/EOYAmt01664213
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt042449
IRS990/TotalFunctionalExpensesGrp/TotalAmt042449
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01232901
IRS990/TotalLiabilitiesEOYAmt01144953
IRS990/TotalLiabilitiesGrp/BOYAmt01232901
IRS990/TotalLiabilitiesGrp/EOYAmt01144953
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0522153
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0519260
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt042449
IRS990/TotalProgramServiceRevenueAmt031898
IRS990/TotalReportableCompFromOrgAmt015782
IRS990/TotalRevenueGrp/ExclusionAmt06852
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt032704
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt039556
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01755054
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01664213
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01600 MORGAN ST
IRS990/USAddress/CityNm0KEOKUK
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052632
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd03
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PAULA VICKERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CREDIT UNION MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03195247150
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-06-14
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/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER COMPANY PC
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/PreparerPersonNm0DENNIS GARDINER CPA
ReturnHeader/ReturnTs02022-06-20T09:47:56-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0PAULA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0VICKERS
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
$1,664,213
Liabilities
$1,144,953
Net assets
$519,260
Revenue
$39,556
Expenses
$42,449
Net income
-$2,893
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
2021Detailed filing. Detailed filing data is available for this year.$1.66$1.14$0.52$0.04$0.04$0.00
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