Civic Intelligence

Bayer Credit Union

990 • Fiscal year 2014 • EIN 43-1062827

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 27, 2015

Organization ProfileWWW.BAYERCU.ORG

View Organization Page

8400 Hawthorne RoadKansas City, MO 64120-2301

(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.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

60th percentile

21.74x

Higher debt load relative to revenue than 60% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

24th percentile

-7.8%

Higher net margin than 24% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

28th percentile

$38,837

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 13.2% of source-year revenue.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

42nd percentile

-0.4%

Faster asset growth than 42% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Revenue Growth

53rd percentile

-1.6%

Faster revenue growth than 53% of similar nonprofits.

2014 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets81st percentile

Assets

Down

$7,049,302

Down $25,663 (-0.4%) from 2013

Net Assets

Down

$674,200

Down $22,842 (-3.3%) from 2013

Liabilities

Down

$6,375,102

Down $2,821 (-0.0%) from 2013

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin24th percentile

Revenue

Down

$293,234

Down $4,657 (-1.6%) from 2013

Expenses

Down

$316,076

Down $54,555 (-15%) from 2013

Net Income

Up

-$22,842

Up $49,898 (+69%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth42nd 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

2014

Assets$7,049,302
Liabilities$6,375,102
Net Assets$674,200
Open 2014 Filing

Operations Trend

Revenue Growth53rd percentile

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

2014

Revenue$293,234
Expenses$316,076
Net Income-$22,842
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 27, 2015
Return Version
2014v5.0
Gross Receipts
$293,234
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$3,673,123$3,398,168▼ $274,955
Other Notes and Loans Receivable, Net$3,045,231$3,328,893▲ $283,662
Rtn Earn Endowment Incm Other Fnds$697,042$674,200▼ $22,842
Cash and Non-Interest-Bearing Accounts$179,814$143,629▼ $36,185
Investments in Publicly Traded Securities$101,587$101,407▼ $180
Prepaid Expenses and Deferred Charges$5,863$6,157▲ $294
Land, Buildings, and Equipment, Net$129$95▼ $34
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,074,965$7,049,302▼ $25,663
Other Assets Total$69,218$70,953▲ $1,735
Liabilities
Other Liabilities$6,320,801$6,358,139▲ $37,338
Accounts Payable and Accrued Expenses$57,122$16,963▼ $40,159
Total Liabilities$6,377,923$6,375,102▼ $2,821
Net Assets / Fund Balance
Total Net Assets Fund Balance$697,042$674,200▼ $22,842
Total Liabilities and Net Assets / Fund Balance$7,074,965$7,049,302▼ $25,663

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$0$36,759$36,759
Equipment$95$5,919$6,014
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sharri WardlowPresident (current)FT$36,263$2,574$38,837
Sherry TaylorPresidentFT$27,342$1,636$28,978

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
$257,847
Investment Income
$35,387
Other Revenue
$0
Change in Net Assets
$-22,842
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$168,001
Other Expenses$148,075
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---$67,815
Other Salaries and Wages---$67,050
Fees for Services Other---$45,068
Information Technology---$27,845
Other Employee Benefits---$18,744
Office Expenses---$13,775
Fees for Services Accounting---$11,587
Payroll Taxes---$11,143
Insurance---$9,350
Pension Plan Contributions---$3,249
Advertising---$2,988
All Other Expenses---$2,575
Other Expenses---$2,353
Conferences and Meetings---$852
Depreciation Depletion---$526
Interest---$2
Total Functional Expenses$0$0$0$316,076
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$6,358,139
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
No
Other officer compensation reviewed
No
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 bylaws 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 president reviews the form 990 before filing.”

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

Filer Name
Bayer Credit Union
EIN
43-1062827
Phone
8162422133
Address
8400 HAWTHORNE ROAD, KANSAS CITY, MO 64120-2301

Signing Officer

Name
Sharri Wardlow
Title
President
Phone
8162422760
Signed
2015-04-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sharri Wardlow
Formed
1975
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix328 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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt057122
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt016963
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt02988
IRS990/AllOtherExpensesGrp/TotalAmt02575
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SHARRI WARDLOW
IRS990/BooksInCareOfDetail/PhoneNum08162422760
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641202301
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IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
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IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
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IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
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IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CYOtherRevenueAmt00
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IRS990/CYTotalExpensesAmt0316076
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0526
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,428 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt011587
IRS990/FeesForServicesOtherGrp/TotalAmt045068
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt52574
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt61636
IRS990/Form990PartVIISectionAGrp/PersonNm0WILLIAM HAVENS
IRS990/Form990PartVIISectionAGrp/PersonNm1KIMBERLY RANDALL
IRS990/Form990PartVIISectionAGrp/PersonNm2MAXWELL HICKS
IRS990/Form990PartVIISectionAGrp/PersonNm3J TODD FRANK
IRS990/Form990PartVIISectionAGrp/PersonNm4CHARLES DONALDSON
IRS990/Form990PartVIISectionAGrp/PersonNm5SHARRI WARDLOW
IRS990/Form990PartVIISectionAGrp/PersonNm6SHERRY TAYLOR
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt536263
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt627342
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT (CURRENT)
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01975
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0293234
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt027845
IRS990/InsuranceGrp/TotalAmt09350
IRS990/InterestGrp/TotalAmt02
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IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0101587
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0101407
IRS990/IRPDocumentCnt0118
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt042678
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0129
IRS990/LandBldgEquipBasisNetGrp/EOYAmt095
IRS990/LandBldgEquipCostOrOtherBssAmt042773
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0697042
IRS990/NetAssetsOrFundBalancesEOYAmt0674200
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt013775
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt018744
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1LEAGUE DUES
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt18535
IRS990/OtherExpensesGrp/TotalAmt26337
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03328893
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt011143
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03249
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05863
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IRS990/PrincipalOfficerNm0SHARRI WARDLOW
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt167672
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0190175
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt167672
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 463 LOANS OUTSTANDING TOTALING $3,348,616.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $6,337 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt00
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IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0297891
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IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
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IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt095
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05919
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06014
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06358139
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt095
IRS990ScheduleD/TotalLiabilityAmt06358139
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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 BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
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/TotalAssetsBOYAmt07074965
IRS990/TotalAssetsEOYAmt07049302
IRS990/TotalAssetsGrp/BOYAmt07074965
IRS990/TotalAssetsGrp/EOYAmt07049302
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0316076
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06377923
IRS990/TotalLiabilitiesEOYAmt06375102
IRS990/TotalLiabilitiesGrp/BOYAmt06377923
IRS990/TotalLiabilitiesGrp/EOYAmt06375102
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0697042
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0674200
IRS990/TotalOtherCompensationAmt04210
IRS990/TotalProgramServiceRevenueAmt0257847
IRS990/TotalReportableCompFromOrgAmt063605
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0293234
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0293234
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07074965
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07049302
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641202301
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.BAYERCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHARRI WARDLOW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162422760
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BAYER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BAYE
ReturnHeader/Filer/EIN0431062827
ReturnHeader/Filer/PhoneNum08162422133
ReturnHeader/Filer/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641202301
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02015-04-27T10:57:30-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,049,302
Liabilities
$6,375,102
Net assets
$674,200
Revenue
$293,234
Expenses
$316,076
Net income
-$22,842
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