Civic Intelligence

Horizon Credit Union

990 • Fiscal year 2014 • EIN 43-6036048

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 10, 2015

Organization ProfileWWW.YOURHCU.COM

View Organization Page

PO Box 554Macon, MO 63552-0554

(660) 385-8205

Siviq Scores

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

Liabilities / Assets

55th percentile

0.87x

Higher debt load relative to assets than 55% of similar nonprofits.

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

Liabilities / Revenue

58th percentile

21.72x

Higher debt load relative to revenue than 58% of similar nonprofits.

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

Net Margin

42nd percentile

4.0%

Higher net margin than 42% of similar nonprofits.

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

Top Officer Pay

61st percentile

$76,926

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

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

Asset Growth

99th percentile

24%

Faster asset growth than 99% of similar nonprofits.

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

Revenue Growth

95th percentile

16%

Faster revenue growth than 95% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Up

$23,469,132

Up $4,466,081 (+24%) from 2013

Net Assets

Up

$2,985,285

Up $37,776 (+1.3%) from 2013

Liabilities

Up

$20,483,847

Up $4,428,305 (+28%) from 2013

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin42nd percentile

Revenue

Up

$943,060

Up $128,360 (+16%) from 2013

Expenses

Up

$905,401

Up $140,259 (+18%) from 2013

Net Income

Down

$37,659

Down $11,899 (-24%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$60M$40M$20M$0Assets 2010: $17,780,548Liabilities 2010: $15,064,010Net Assets 2010: $2,716,5382010Assets 2011: $17,809,440Liabilities 2011: $14,979,441Net Assets 2011: $2,829,9992011Assets 2013: $19,003,051Liabilities 2013: $16,055,542Net Assets 2013: $2,947,5092013Assets 2014: $23,469,132Liabilities 2014: $20,483,847Net Assets 2014: $2,985,2852014Assets 2015: $26,106,867Liabilities 2015: $22,947,217Net Assets 2015: $3,159,6502015Assets 2017: $31,040,553Liabilities 2017: $26,335,638Net Assets 2017: $4,704,9152017Assets 2018: $31,798,643Liabilities 2018: $26,803,538Net Assets 2018: $4,995,1052018Assets 2019: $34,963,331Liabilities 2019: $29,640,202Net Assets 2019: $5,323,1292019Assets 2020: $43,520,473Liabilities 2020: $37,982,801Net Assets 2020: $5,537,6722020Assets 2021: $50,769,173Liabilities 2021: $45,232,391Net Assets 2021: $5,536,7822021Assets 2022: $51,915,155Liabilities 2022: $46,838,573Net Assets 2022: $5,076,5822022Assets 2024: $58,474,911Liabilities 2024: $52,421,943Net Assets 2024: $6,052,9682024

Highlighted filing

2014

Assets$23,469,132
Liabilities$20,483,847
Net Assets$2,985,285
Open 2014 Filing

Operations Trend

Revenue Growth95th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $738,1202010Expenses 2011: $683,2502011Revenue 2013: $814,700Expenses 2013: $765,142Net Income 2013: $49,5582013Revenue 2014: $943,060Expenses 2014: $905,401Net Income 2014: $37,6592014Revenue 2015: $1,163,718Expenses 2015: $1,003,556Net Income 2015: $160,1622015Revenue 2017: $2,493,452Expenses 2017: $1,119,428Net Income 2017: $1,374,0242017Revenue 2018: $1,925,803Expenses 2018: $1,506,266Net Income 2018: $419,5372018Revenue 2019: $1,925,825Expenses 2019: $1,832,050Net Income 2019: $93,7752019Revenue 2020: $1,900,814Expenses 2020: $1,788,191Net Income 2020: $112,6232020Revenue 2021: $2,018,573Expenses 2021: $1,840,427Net Income 2021: $178,1462021Revenue 2022: $2,369,176Expenses 2022: $1,959,872Net Income 2022: $409,3042022Revenue 2024: $3,285,677Expenses 2024: $3,105,974Net Income 2024: $179,7032024

Highlighted filing

2014

Revenue$943,060
Expenses$905,401
Net Income$37,659
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 10, 2015
Return Version
2014v5.0
Gross Receipts
$943,060
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
Other Notes and Loans Receivable, Net$10,910,218$12,621,936▲ $1,711,718
Savings and Temporary Cash Investments$6,383,353$8,987,879▲ $2,604,526
Rtn Earn Endowment Incm Other Fnds$2,947,509$2,985,285▲ $37,776
Land, Buildings, and Equipment, Net$422,440$1,237,085▲ $814,645
Cash and Non-Interest-Bearing Accounts$147,768$373,137▲ $225,369
Prepaid Expenses and Deferred Charges$20,760$23,103▲ $2,343
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$19,003,051$23,469,132▲ $4,466,081
Other Assets Total$1,118,512$225,992▼ $892,520
Liabilities
Other Liabilities$15,982,111$20,248,362▲ $4,266,251
Accounts Payable and Accrued Expenses$73,431$235,485▲ $162,054
Total Liabilities$16,055,542$20,483,847▲ $4,428,305
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,947,509$2,985,285▲ $37,776
Total Liabilities and Net Assets / Fund Balance$19,003,051$23,469,132▲ $4,466,081

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$682,704$37,460$720,164
Land$274,700-$274,700
Equipment$101,643$125,504$227,147
Other Land Buildings$178,038$13,383$191,421
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay LucasPresidentFT$56,583$20,343$76,926

Board Members and Trustees

NameTitle
Dennis FesslerChairman
Larry MurdockVice Chairman
Murrell ArnettDirector
Damon LafaverSecretary
Brent BernhardtTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$858,587
Investment Income
$81,136
Other Revenue
$3,337
Change in Net Assets
$37,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$507,838
Salaries, Compensation, and Employee Benefits$358,607
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$226,388
Office Expenses---$146,193
Current Officers, Directors, Trustees, and Key Employees---$76,926
Depreciation Depletion---$63,729
Benefits to Members---$38,956
Payroll Taxes---$28,919
Occupancy---$26,265
Advertising---$23,366
All Other Expenses---$21,286
Other Employee Benefits---$20,920
Other Expenses---$17,746
Conferences and Meetings---$17,363
Insurance---$15,636
Fees for Services Accounting---$11,254
Information Technology---$10,152
Fees for Services Other---$7,877
Pension Plan Contributions---$5,454
Total Functional Expenses$0$0$0$905,401
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$20,248,362
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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 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 11

“The president reviews and approves the completed form 990.”

Form 990, Part VI, Section B, line 15

“The board of directors determines compensation for all employees, including the president, using the cuna mutual salary survey. Deliberations and decisions are documented in the board 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
Horizon Credit Union
EIN
43-6036048
Phone
6603858205
Address
PO BOX 554, MACON, MO 63552-0554

Signing Officer

Name
Kay Lucas
Title
President
Phone
6603858205
Signed
2015-04-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kay Lucas
Formed
1954
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
15
Volunteers
10

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“NEW MEMBER FEES 117.”

Raw XML Appendix336 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/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/USAddress/AddressLine1Txt0310 NORTH MISSOURI STREET
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IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,858 MEMBERS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt520343
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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
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IRS990/Form990TFiledInd01
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0943060
IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt0117
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IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
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IRS990/PartialLiquidationInd00
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0492
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt2200
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. LOANS OUTSTANDING AS OF DECEMBER 31, 2014 TOTALED $12,661,534.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $92,804 FOR THE YEAR.
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IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0274700
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt013383
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020248362
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
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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 CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS AND APPROVES THE COMPLETED FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT, USING THE CUNA MUTUAL SALARY SURVEY. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL 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/ExplanationTxt6NEW MEMBER FEES 117.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt019003051
IRS990/TotalAssetsEOYAmt023469132
IRS990/TotalAssetsGrp/BOYAmt019003051
IRS990/TotalAssetsGrp/EOYAmt023469132
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt0905401
IRS990/TotalGrossUBIAmt01946
IRS990/TotalLiabilitiesBOYAmt016055542
IRS990/TotalLiabilitiesEOYAmt020483847
IRS990/TotalLiabilitiesGrp/BOYAmt016055542
IRS990/TotalLiabilitiesGrp/EOYAmt020483847
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02947509
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02985285
IRS990/TotalOtherCompensationAmt020343
IRS990/TotalProgramServiceRevenueAmt0858587
IRS990/TotalReportableCompFromOrgAmt056583
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0941114
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0943060
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01946
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019003051
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023469132
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0310 NORTH MISSOURI STREET
IRS990/USAddress/CityNm0MACON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0635521748
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.YOURHCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY LUCAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06603858205
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HORIZON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HORI
ReturnHeader/Filer/EIN0436036048
ReturnHeader/Filer/PhoneNum06603858205
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 554
ReturnHeader/Filer/USAddress/CityNm0MACON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0635520554
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02015-04-10T12:45:04-05:00
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
$23,469,132
Liabilities
$20,483,847
Net assets
$2,985,285
Revenue
$943,060
Expenses
$905,401
Net income
$37,659
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.5$52.4$6.05$3.29$3.11$0.18
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.9$46.8$5.08$2.37$1.96$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.8$45.2$5.54$2.02$1.84$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.5$38.0$5.54$1.90$1.79$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.0$29.6$5.32$1.93$1.83$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$26.8$5.00$1.93$1.51$0.42
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.0$26.3$4.70$2.49$1.12$1.37
2015Detailed filing. Detailed filing data is available for this year.$26.1$22.9$3.16$1.16$1.00$0.16
2014Detailed filing. Detailed filing data is available for this year.$23.5$20.5$2.99$0.94$0.91$0.04
2013Detailed filing. Detailed filing data is available for this year.$19.0$16.1$2.95$0.81$0.77$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.0$2.83$0.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.1$2.72$0.74