Civic Intelligence

Bayer Credit Union

990 • Fiscal year 2020 • EIN 43-1062827

Jan 01, 2020 to Dec 31, 2020 • Filed on Jul 19, 2021

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

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Liabilities / Revenue

76th percentile

25.99x

Higher debt load relative to revenue than 76% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Net Margin

3rd percentile

-33%

Higher net margin than 3% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Top Officer Pay

80th percentile

$69,393

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 27.2% of source-year revenue.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Asset Growth

38th percentile

6.2%

Faster asset growth than 38% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Revenue Growth

24th percentile

-14%

Faster revenue growth than 24% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$7,124,732

Up $413,995 (+6.2%) from 2019

Net Assets

Down

$500,793

Down $83,759 (-14%) from 2019

Liabilities

Up

$6,623,939

Up $497,754 (+8.1%) from 2019

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin3rd percentile

Revenue

Down

$254,861

Down $40,429 (-14%) from 2019

Expenses

Up

$338,620

Up $37,002 (+12%) from 2019

Net Income

Down

-$83,759

Down $77,431 (-1224%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth38th 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

2020

Assets$7,124,732
Liabilities$6,623,939
Net Assets$500,793
Open 2020 Filing

Operations Trend

Revenue Growth24th 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

2020

Revenue$254,861
Expenses$338,620
Net Income-$83,759
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jul 19, 2021
Return Version
2020v4.1
Gross Receipts
$254,861
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$2,869,664$3,476,877▲ $607,213
Other Notes and Loans Receivable, Net$3,417,767$3,213,897▼ $203,870
Rtn Earn Endowment Incm Other Fnds$584,552$500,793▼ $83,759
Cash and Non-Interest-Bearing Accounts$249,250$253,334▲ $4,084
Investments Other Securities$100,509$100,329▼ $180
Prepaid Expenses and Deferred Charges$8,645$5,950▼ $2,695
Land, Buildings, and Equipment, Net$13$13→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,710,737$7,124,732▲ $413,995
Other Assets Total$64,889$74,332▲ $9,443
Liabilities
Other Liabilities$6,115,786$6,605,748▲ $489,962
Accounts Payable and Accrued Expenses$10,399$18,191▲ $7,792
Total Liabilities$6,126,185$6,623,939▲ $497,754
Net Assets / Fund Balance
Total Net Assets Fund Balance$584,552$500,793▼ $83,759
Total Liabilities and Net Assets / Fund Balance$6,710,737$7,124,732▲ $413,995

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$0$36,759$36,759
Equipment$13$6,001$6,014
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sharri WardlowPresidentFT$62,802$6,591$69,393

Board Members and Trustees

NameTitle
Tina MyersChairman
Tanya StonerVice Chairman
Tim RobertsDirector
Janet CullySecretary
Todd FrankTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$212,181
Investment Income
$42,680
Other Revenue
$0
Change in Net Assets
$-83,759
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$207,700
Salaries, Compensation, and Employee Benefits$130,920
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$73,205
Current Officers, Directors, Trustees, and Key Employees---$69,393
Other Salaries and Wages---$37,342
Information Technology---$26,884
Other Employee Benefits---$14,323
Fees for Services Accounting---$10,935
Insurance---$10,229
Payroll Taxes---$7,616
Other Expenses---$5,357
Fees for Services Other---$4,201
Pension Plan Contributions---$2,246
Fees for Services Legal---$750
Conferences and Meetings---$538
All Other Expenses---$421
Advertising---$184
Total Functional Expenses$0$0$0$338,620
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$6,605,748
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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

“Certain significant changes 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 11B

“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 credit union, 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
2021-07-19
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
3
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix332 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/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.
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IRS990/BooksInCareOfDetail/PhoneNum08162422760
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08400 HAWTHORNE ROAD
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IRS990/Form990PartVIISectionAGrp/PersonNm3TODD FRANK
IRS990/Form990PartVIISectionAGrp/PersonNm4TIM ROBERTS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt0500793
IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0900
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2020, THERE WERE 2,230 LOANS OUTSTANDING TOTALING $3,238,814.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $5,357 FOR THE YEAR.
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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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES 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 CREDIT UNION, 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 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/TotalAssetsBOYAmt06710737
IRS990/TotalAssetsEOYAmt07124732
IRS990/TotalAssetsGrp/BOYAmt06710737
IRS990/TotalAssetsGrp/EOYAmt07124732
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0338620
IRS990/TotalGrossUBIAmt0900
IRS990/TotalLiabilitiesBOYAmt06126185
IRS990/TotalLiabilitiesEOYAmt06623939
IRS990/TotalLiabilitiesGrp/BOYAmt06126185
IRS990/TotalLiabilitiesGrp/EOYAmt06623939
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0584552
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0500793
IRS990/TotalOtherCompensationAmt06591
IRS990/TotalProgramServiceRevenueAmt0212181
IRS990/TotalReportableCompFromOrgAmt062802
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0253961
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0254861
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0900
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06710737
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07124732
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641202301
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.BAYERCU.ORG
IRS990/WhistleblowerPolicyInd01
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ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHARRI WARDLOW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
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ReturnHeader/BusinessOfficerGrp/SignatureDt02021-07-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BAYER CREDIT UNION
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
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/PreparerPersonGrp/PreparationDt02021-07-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02021-07-19T12:22:29-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SHARRI
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WARDLOW
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,124,732
Liabilities
$6,623,939
Net assets
$500,793
Revenue
$254,861
Expenses
$338,620
Net income
-$83,759
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