Civic Intelligence

Bayer Credit Union

990 • Fiscal year 2013 • EIN 43-1062827

Jan 01, 2013 to Dec 31, 2013 • Filed on May 14, 2014

Organization ProfileWWW.BAYERCU.ORG

View Organization Page

8400 Hawthorne RoadKansas City, MO 64120

(816) 242-2133

Siviq Scores

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

Liabilities / Assets

81st percentile

0.90x

Higher debt load relative to assets than 81% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

64th percentile

21.41x

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

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

11th percentile

-24%

Higher net margin than 11% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

73rd percentile

$62,377

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 20.9% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

50th percentile

0.7%

Faster asset growth than 50% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets81st percentile

Assets

Up

$7,074,965

Up $46,203 (+0.7%) from 2012

Net Assets

Down

$697,042

Down $72,740 (-9.4%) from 2012

Liabilities

Up

$6,377,923

Up $118,943 (+1.9%) from 2012

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin11th percentile

Revenue

$297,891

No earlier filing loaded for comparison.

Expenses

Up

$370,631

Up $65,685 (+22%) from 2012

Net Income

-$72,740

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,910,482Liabilities 2010: $6,117,149Net Assets 2010: $793,3332010Assets 2011: $6,959,419Liabilities 2011: $6,191,194Net Assets 2011: $768,2252011Assets 2012: $7,028,762Liabilities 2012: $6,258,980Net Assets 2012: $769,7822012Assets 2013: $7,074,965Liabilities 2013: $6,377,923Net Assets 2013: $697,0422013Assets 2014: $7,049,302Liabilities 2014: $6,375,102Net Assets 2014: $674,2002014Assets 2015: $7,187,685Liabilities 2015: $6,511,439Net Assets 2015: $676,2462015Assets 2016: $6,798,534Liabilities 2016: $6,151,377Net Assets 2016: $647,1572016Assets 2017: $6,271,754Liabilities 2017: $5,683,275Net Assets 2017: $588,4792017Assets 2018: $6,418,073Liabilities 2018: $5,827,193Net Assets 2018: $590,8802018Assets 2019: $6,710,737Liabilities 2019: $6,126,185Net Assets 2019: $584,5522019Assets 2020: $7,124,732Liabilities 2020: $6,623,939Net Assets 2020: $500,7932020Assets 2021: $7,401,815Liabilities 2021: $6,953,847Net Assets 2021: $447,9682021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2013

Assets$7,074,965
Liabilities$6,377,923
Net Assets$697,042
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200K-$400KExpenses 2010: $452,2562010Expenses 2011: $346,7702011Expenses 2012: $304,9462012Revenue 2013: $297,891Expenses 2013: $370,631Net Income 2013: -$72,7402013Revenue 2014: $293,234Expenses 2014: $316,076Net Income 2014: -$22,8422014Revenue 2015: $282,443Expenses 2015: $280,397Net Income 2015: $2,0462015Revenue 2016: $277,461Expenses 2016: $294,578Net Income 2016: -$17,1172016Revenue 2017: $266,685Expenses 2017: $325,363Net Income 2017: -$58,6782017Revenue 2018: $279,552Expenses 2018: $277,151Net Income 2018: $2,4012018Revenue 2019: $295,290Expenses 2019: $301,618Net Income 2019: -$6,3282019Revenue 2020: $254,861Expenses 2020: $338,620Net Income 2020: -$83,7592020Revenue 2021: $233,098Expenses 2021: $285,923Net Income 2021: -$52,8252021Revenue 2022: $165,323Expenses 2022: $383,454Net Income 2022: -$218,1312022

Highlighted filing

2013

Revenue$297,891
Expenses$370,631
Net Income-$72,740
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 14, 2014
Return Version
2013v3.0
Gross Receipts
$297,891
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
Savings and Temporary Cash Investments$3,653,044$3,673,123▲ $20,079
Other Notes and Loans Receivable, Net$3,111,003$3,045,231▼ $65,772
Rtn Earn Endowment Incm Other Fnds$769,782$697,042▼ $72,740
Cash and Non-Interest-Bearing Accounts$90,586$179,814▲ $89,228
Investments in Publicly Traded Securities$101,767$101,587▼ $180
Prepaid Expenses and Deferred Charges$4,554$5,863▲ $1,309
Land, Buildings, and Equipment, Net$84$129▲ $45
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,028,762$7,074,965▲ $46,203
Other Assets Total$67,724$69,218▲ $1,494
Liabilities
Other Liabilities$6,216,614$6,320,801▲ $104,187
Accounts Payable and Accrued Expenses$42,366$57,122▲ $14,756
Total Liabilities$6,258,980$6,377,923▲ $118,943
Net Assets / Fund Balance
Total Net Assets Fund Balance$769,782$697,042▼ $72,740
Total Liabilities and Net Assets / Fund Balance$7,028,762$7,074,965▲ $46,203

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$0$36,759$36,759
Equipment$129$7,612$7,741
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sherry TaylorPresidentFT$60,854$1,523$62,377

Board Members and Trustees

NameTitle
William HavensChairman
Kimberly RandallVice Chairman
Charles DonaldsonDirector
Maxwell HicksSecretary
J Todd FrankTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$266,745
Investment Income
$31,146
Other Revenue
$0
Change in Net Assets
$-72,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$199,674
Salaries, Compensation, and Employee Benefits$170,957
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$73,257
Current Officers, Directors, Trustees, and Key Employees---$62,377
Fees for Services Other---$42,412
Information Technology---$27,684
Other Employee Benefits---$19,958
Office Expenses---$14,073
Payroll Taxes---$10,860
All Other Expenses---$10,792
Fees for Services Accounting---$10,571
Insurance---$9,947
Other Expenses---$5,640
Pension Plan Contributions---$4,505
Advertising---$2,839
Conferences and Meetings---$272
Depreciation Depletion---$95
Total Functional Expenses$0$0$0$370,631
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 Share Deposits$6,320,801
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
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

“Significant changes such as changes to by-laws and mergers 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 11

“The responsibility for reviewing the 990 is delegated to the president.”

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

“On an annual basis, the president and all directors and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves the president's compensation. All other employees' compensation is determined by the president and presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the lobby, presented at the annual meeting, 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

EIN
43-1062827
Phone
8162422133

Signing Officer

Name
Sherry Taylor
Title
President
Phone
8162422760
Signed
2014-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sherry Taylor
Formed
1975
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
11

Preparer

Phone
9138946214
Raw XML Appendix320 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/TitleTxt2SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/MoreThan5000KToOrgInd00
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 472 LOANS OUTSTANDING TOTALING $3,071,351.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $6,915 FOR THE YEAR.
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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/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS CHANGES TO BY-LAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING, 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 11
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/TotalAssetsBOYAmt07028762
IRS990/TotalAssetsEOYAmt07074965
IRS990/TotalAssetsGrp/BOYAmt07028762
IRS990/TotalAssetsGrp/EOYAmt07074965
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0370631
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06258980
IRS990/TotalLiabilitiesEOYAmt06377923
IRS990/TotalLiabilitiesGrp/BOYAmt06258980
IRS990/TotalLiabilitiesGrp/EOYAmt06377923
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0769782
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0697042
IRS990/TotalOtherCompensationAmt01523
IRS990/TotalProgramServiceRevenueAmt0266745
IRS990/TotalReportableCompFromOrgAmt060854
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0297891
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0297891
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07028762
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07074965
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine108400 HAWTHORNE ROAD
IRS990/USAddress/City0KANSAS CITY
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064120
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.BAYERCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERRY TAYLOR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162422760
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10BAYER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BAYE
ReturnHeader/Filer/EIN0431062827
ReturnHeader/Filer/PhoneNum08162422133
ReturnHeader/Filer/USAddress/AddressLine108400 HAWTHORNE ROAD
ReturnHeader/Filer/USAddress/City0KANSAS CITY
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064120
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-05-14T10:10:50-05:00
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
$7,074,965
Liabilities
$6,377,923
Net assets
$697,042
Revenue
$297,891
Expenses
$370,631
Net income
-$72,740
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.17$0.38$0.22
2021Detailed filing. Detailed filing data is available for this year.$7.40$6.95$0.45$0.23$0.29$0.05
2020Detailed filing. Detailed filing data is available for this year.$7.12$6.62$0.50$0.25$0.34$0.08
2019Detailed filing. Detailed filing data is available for this year.$6.71$6.13$0.58$0.30$0.30$0.01
2018Detailed filing. Detailed filing data is available for this year.$6.42$5.83$0.59$0.28$0.28$0.00
2017Detailed filing. Detailed filing data is available for this year.$6.27$5.68$0.59$0.27$0.33$0.06
2016Detailed filing. Detailed filing data is available for this year.$6.80$6.15$0.65$0.28$0.29$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.19$6.51$0.68$0.28$0.28$0.00
2014Detailed filing. Detailed filing data is available for this year.$7.05$6.38$0.67$0.29$0.32$0.02
2013Detailed filing. Detailed filing data is available for this year.$7.07$6.38$0.70$0.30$0.37$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.03$6.26$0.77$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.96$6.19$0.77$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.91$6.12$0.79$0.45