Civic Intelligence

Burns & Mcdonnell Credit Union

990 • Fiscal year 2014 • EIN 43-1135633

Jan 01, 2014 to Dec 31, 2014 • Filed on May 13, 2015

Organization Profilewww.bmcdcu.com

View Organization Page

9400 Ward ParkwayKansas City, MO 64114

(816) 823-7530

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

Higher debt load relative to assets than 99% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

96th percentile

38.89x

Higher debt load relative to revenue than 96% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

95th percentile

26%

Higher net margin than 95% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

63rd percentile

$78,611

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 16.4% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

91st percentile

9.3%

Faster asset growth than 91% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

91st percentile

10%

Faster revenue growth than 91% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$19,852,705

Up $1,692,529 (+9.3%) from 2013

Net Assets

Up

$1,177,736

Up $126,601 (+12%) from 2013

Liabilities

Up

$18,674,969

Up $1,565,928 (+9.2%) from 2013

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin95th percentile

Revenue

Up

$480,250

Up $45,220 (+10%) from 2013

Expenses

Up

$353,649

Up $42,705 (+14%) from 2013

Net Income

Up

$126,601

Up $2,515 (+2.0%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$30M$20M$10M$0Assets 2010: $14,367,728Liabilities 2010: $13,448,420Net Assets 2010: $919,3082010Assets 2011: $15,121,793Liabilities 2011: $14,256,174Net Assets 2011: $865,6192011Assets 2012: $15,957,967Liabilities 2012: $15,030,918Net Assets 2012: $927,0492012Assets 2013: $18,160,176Liabilities 2013: $17,109,041Net Assets 2013: $1,051,1352013Assets 2014: $19,852,705Liabilities 2014: $18,674,969Net Assets 2014: $1,177,7362014Assets 2015: $22,782,166Liabilities 2015: $21,453,784Net Assets 2015: $1,328,3822015Assets 2016: $22,368,908Liabilities 2016: $20,823,998Net Assets 2016: $1,544,9102016Assets 2017: $24,627,819Liabilities 2017: $22,819,791Net Assets 2017: $1,808,0282017Assets 2018: $24,347,144Liabilities 2018: $22,219,115Net Assets 2018: $2,128,0292018Assets 2019: $24,546,172Liabilities 2019: $22,131,640Net Assets 2019: $2,414,5322019Assets 2020: $27,156,773Liabilities 2020: $24,642,609Net Assets 2020: $2,514,1642020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2014

Assets$19,852,705
Liabilities$18,674,969
Net Assets$1,177,736
Open 2014 Filing

Operations Trend

Revenue Growth91st percentile

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

$1.0M$500K$0-$500K-$1.0MExpenses 2010: $356,7802010Expenses 2011: $406,7682011Expenses 2012: $299,0652012Revenue 2013: $435,030Expenses 2013: $310,944Net Income 2013: $124,0862013Revenue 2014: $480,250Expenses 2014: $353,649Net Income 2014: $126,6012014Revenue 2015: $529,173Expenses 2015: $378,527Net Income 2015: $150,6462015Revenue 2016: $585,441Expenses 2016: $368,913Net Income 2016: $216,5282016Revenue 2017: $666,137Expenses 2017: $403,019Net Income 2017: $263,1182017Revenue 2018: $791,872Expenses 2018: $471,871Net Income 2018: $320,0012018Revenue 2019: $837,953Expenses 2019: $551,450Net Income 2019: $286,5032019Revenue 2020: $674,995Expenses 2020: $575,363Net Income 2020: $99,6322020Revenue 2021: $267,322Expenses 2021: $778,139Net Income 2021: -$510,8172021

Highlighted filing

2014

Revenue$480,250
Expenses$353,649
Net Income$126,601
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 13, 2015
Return Version
2014v5.0
Gross Receipts
$480,250
Mission and Program Overview

Mission

Cooperative provider of financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$10,435,772$11,387,956▲ $952,184
Other Notes and Loans Receivable, Net$7,396,040$7,948,250▲ $552,210
Rtn Earn Endowment Incm Other Fnds$1,051,135$1,177,736▲ $126,601
Receivables From Officers Etc-$168,928-
Cash and Non-Interest-Bearing Accounts$82,299$82,904▲ $605
Prepaid Expenses and Deferred Charges$22,319$14,728▼ $7,591
Land, Buildings, and Equipment, Net$705$3,626▲ $2,921
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,160,176$19,852,705▲ $1,692,529
Other Assets Total$223,041$246,313▲ $23,272
Liabilities
Other Liabilities$17,030,563$18,554,209▲ $1,523,646
Accounts Payable and Accrued Expenses$78,478$120,760▲ $42,282
Total Liabilities$17,109,041$18,674,969▲ $1,565,928
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,051,135$1,177,736▲ $126,601
Total Liabilities and Net Assets / Fund Balance$18,160,176$19,852,705▲ $1,692,529

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$3,626$2,671$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marlo HultgrenPresidentFT$78,611$78,611

Board Members and Trustees

NameTitle
Michelle WordChairperson
Brian SnyderDirector
Hassan SahudinDirector
Melissa CooperDirector
Merrie FergusonDirector
Seth HanebuttDirector
Shawn ShafferDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$480,250
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$126,601
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$165,487
Other Expenses$164,410
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---$78,611
Other Salaries and Wages---$67,683
Office Expenses---$49,285
Other Expenses---$33,208
Information Technology---$27,049
Benefits to Members---$23,752
All Other Expenses---$15,593
Payroll Taxes---$11,304
Advertising---$10,070
Insurance---$8,637
Other Employee Benefits---$6,173
Fees for Services Management---$5,779
Depreciation Depletion---$2,671
Pension Plan Contributions---$1,716
Interest---$111
Total Functional Expenses$0$0$0$353,649
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$168,928-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$18,554,209
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The Board of Directors delegates Management to the Manager”

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 is elected by the credit union members”

Form 990, Part VI, Section A, Line 7B

“Significant changes such as mergers and changes to the bylaws are subject to the approval by the credit union members. No such changes were made during the year”

Form 990, Part VI, Section B, Line 11B

“The manager reviews the 990 prior to presenting it to the Board for approval”

Form 990, Part VI, Section B, Line 15

“The Board of Directors approves all employees compensation and benefits. The deliberation and decisions are documented in the board minutes”

Form 990, Part VI, Section C, Line 19

“Financial Statements are posted monthly 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
Burns & McDonnell Credit Union
EIN
43-1135633
Phone
8168237530
Address
9400 Ward Parkway, Kansas City, MO 64114

Signing Officer

Name
Marlo Hultgren
Title
President
Phone
8168237530
Signed
2015-05-13

Organization Details

Principal Officer
Marlo Hultgren
Formed
1971
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
7
Raw XML AppendixShowing 400 of 422 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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IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018554209
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03626
IRS990ScheduleD/TotalLiabilityAmt018554209
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt045365
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt127371
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt271042
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt311233
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt413917
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3personal
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4persoanl
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt049284
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt155000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt276209
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt313867
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt435474
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Merrie Ferguson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Hassan Sahudin
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Michelle Word
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Melissa Cooper
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Shawn Shaffer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/TotalBalanceDueAmt0168928
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Board of Directors delegates Management to the Manager
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union is mutually owned by members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the credit union members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Significant changes such as mergers and changes to the bylaws are subject to the approval by the credit union members. No such changes were made during the year
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The manager reviews the 990 prior to presenting it to the Board for approval
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Board of Directors approves all employees compensation and benefits. The deliberation and decisions are documented in the board minutes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Financial Statements are posted monthly 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 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
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/TotalAssetsBOYAmt018160176
IRS990/TotalAssetsEOYAmt019852705
IRS990/TotalAssetsGrp/BOYAmt018160176
IRS990/TotalAssetsGrp/EOYAmt019852705
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0353649
IRS990/TotalGrossUBIAmt08304
IRS990/TotalLiabilitiesBOYAmt017109041
IRS990/TotalLiabilitiesEOYAmt018674969
IRS990/TotalLiabilitiesGrp/BOYAmt017109041
IRS990/TotalLiabilitiesGrp/EOYAmt018674969
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01051135
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01177736
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0353649
IRS990/TotalProgramServiceRevenueAmt0480250
IRS990/TotalReportableCompFromOrgAmt078611
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0471946
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0480250
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08304
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018160176
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019852705
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt09400 Ward Parkway
IRS990/USAddress/CityNm0Kansas City
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd064114

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
$19,852,705
Liabilities
$18,674,969
Net assets
$1,177,736
Revenue
$480,250
Expenses
$353,649
Net income
$126,601
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.27$0.78$0.51
2020Detailed filing. Detailed filing data is available for this year.$27.2$24.6$2.51$0.67$0.58$0.10
2019Detailed filing. Detailed filing data is available for this year.$24.5$22.1$2.41$0.84$0.55$0.29
2018Detailed filing. Detailed filing data is available for this year.$24.3$22.2$2.13$0.79$0.47$0.32
2017Detailed filing. Detailed filing data is available for this year.$24.6$22.8$1.81$0.67$0.40$0.26
2016Detailed filing. Detailed filing data is available for this year.$22.4$20.8$1.54$0.59$0.37$0.22
2015Detailed filing. Detailed filing data is available for this year.$22.8$21.5$1.33$0.53$0.38$0.15
2014Detailed filing. Detailed filing data is available for this year.$19.9$18.7$1.18$0.48$0.35$0.13
2013Detailed filing. Detailed filing data is available for this year.$18.2$17.1$1.05$0.44$0.31$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.0$15.0$0.93$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$14.3$0.87$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.4$13.4$0.92$0.36