Civic Intelligence

Bayer Credit Union

990 • Fiscal year 2015 • EIN 43-1062827

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 07, 2016

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

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

69th percentile

23.05x

Higher debt load relative to revenue than 69% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

31st percentile

0.7%

Higher net margin than 31% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

72nd percentile

$62,641

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 22.2% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

52nd percentile

2.0%

Faster asset growth than 52% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

30th percentile

-3.7%

Faster revenue growth than 30% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$7,187,685

Up $138,383 (+2.0%) from 2014

Net Assets

Up

$676,246

Up $2,046 (+0.3%) from 2014

Liabilities

Up

$6,511,439

Up $136,337 (+2.1%) from 2014

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin31st percentile

Revenue

Down

$282,443

Down $10,791 (-3.7%) from 2014

Expenses

Down

$280,397

Down $35,679 (-11%) from 2014

Net Income

Up

$2,046

Up $24,888 (+109%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2015

Assets$7,187,685
Liabilities$6,511,439
Net Assets$676,246
Open 2015 Filing

Operations Trend

Revenue Growth30th 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

2015

Revenue$282,443
Expenses$280,397
Net Income$2,046
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 7, 2016
Return Version
2015v2.1
Gross Receipts
$282,443
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$3,398,168$4,117,574▲ $719,406
Other Notes and Loans Receivable, Net$3,328,893$2,839,093▼ $489,800
Rtn Earn Endowment Incm Other Fnds$674,200$676,246▲ $2,046
Cash and Non-Interest-Bearing Accounts$143,629$157,300▲ $13,671
Investments in Publicly Traded Securities$101,407--
Prepaid Expenses and Deferred Charges$6,157--
Land, Buildings, and Equipment, Net$95$13▼ $82
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,049,302$7,187,685▲ $138,383
Other Assets Total$70,953$73,705▲ $2,752
Liabilities
Other Liabilities$6,358,139$6,490,989▲ $132,850
Accounts Payable and Accrued Expenses$16,963$20,450▲ $3,487
Total Liabilities$6,375,102$6,511,439▲ $136,337
Net Assets / Fund Balance
Total Net Assets Fund Balance$674,200$676,246▲ $2,046
Total Liabilities and Net Assets / Fund Balance$7,049,302$7,187,685▲ $138,383

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$0$36,759$36,759
Equipment$13$6,001$6,014
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sharri WardlowPresidentFT$58,110$4,531$62,641

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
$243,025
Investment Income
$39,418
Other Revenue
$0
Change in Net Assets
$2,046
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$143,747
Salaries, Compensation, and Employee Benefits$136,633
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---$62,641
Fees for Services Other---$47,776
Other Salaries and Wages---$47,367
Information Technology---$28,046
Office Expenses---$17,046
Other Employee Benefits---$16,044
Insurance---$8,895
Payroll Taxes---$8,001
Fees for Services Accounting---$6,213
Other Expenses---$3,168
Pension Plan Contributions---$2,580
All Other Expenses---$2,009
Advertising---$440
Conferences and Meetings---$371
Depreciation Depletion---$82
Benefits to Members---$17
Total Functional Expenses$0$0$0$280,397
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$6,490,989
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
2016-03-07
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
6
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
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.

Path#Value
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IRS990/AccountsPayableAccrExpnssGrp/BOYAmt016963
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt020450
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/TotalAmt0440
IRS990/AllOtherExpensesGrp/TotalAmt02009
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt017
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SHARRI WARDLOW
IRS990/BooksInCareOfDetail/PhoneNum08162422760
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt082
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,428 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/FeesForServicesAccountingGrp/TotalAmt06213
IRS990/FeesForServicesOtherGrp/TotalAmt047776
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IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt54531
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/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt558110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01975
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0282443
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt028046
IRS990/InsuranceGrp/TotalAmt08895
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IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0101407
IRS990/IRPDocumentCnt0127
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt095
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013
IRS990/LandBldgEquipCostOrOtherBssAmt042773
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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/NetAssetsOrFundBalancesBOYAmt0674200
IRS990/NetAssetsOrFundBalancesEOYAmt0676246
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt017046
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt070953
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IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016044
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1LEAGUE DUES
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt08001
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
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IRS990/PoliticalCampaignActyInd00
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IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0300
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 406 LOANS OUTSTANDING TOTALING $2,846,253.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $6,147 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt013
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06490989
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013
IRS990ScheduleD/TotalLiabilityAmt06490989
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/TotalAssetsBOYAmt07049302
IRS990/TotalAssetsEOYAmt07187685
IRS990/TotalAssetsGrp/BOYAmt07049302
IRS990/TotalAssetsGrp/EOYAmt07187685
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0280397
IRS990/TotalGrossUBIAmt0300
IRS990/TotalLiabilitiesBOYAmt06375102
IRS990/TotalLiabilitiesEOYAmt06511439
IRS990/TotalLiabilitiesGrp/BOYAmt06375102
IRS990/TotalLiabilitiesGrp/EOYAmt06511439
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0674200
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0676246
IRS990/TotalOtherCompensationAmt04531
IRS990/TotalProgramServiceRevenueAmt0243025
IRS990/TotalReportableCompFromOrgAmt058110
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0282143
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0282443
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0300
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07049302
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07187685
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/BuildTS02016-08-17 19:52:53Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHARRI WARDLOW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162422760
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-07
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/ReturnTs02016-03-07T16:23:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,187,685
Liabilities
$6,511,439
Net assets
$676,246
Revenue
$282,443
Expenses
$280,397
Net income
$2,046
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