Civic Intelligence

Horizon Credit Union

990 • Fiscal year 2017 • EIN 43-6036048

Jan 01, 2017 to Dec 31, 2017 • Filed on May 09, 2018

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

26th percentile

0.85x

Higher debt load relative to assets than 26% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

9th percentile

10.56x

Higher debt load relative to revenue than 9% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

100th percentile

55%

Higher net margin than 100% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

43rd percentile

$94,108

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

98th percentile

16%

Faster asset growth than 98% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

100th percentile

97%

Faster revenue growth than 100% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$31,040,553

Up $4,933,686 (+19%) from 2015

Net Assets

Up

$4,704,915

Up $1,545,265 (+49%) from 2015

Liabilities

Up

$26,335,638

Up $3,388,421 (+15%) from 2015

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin100th percentile

Revenue

Up

$2,493,452

Up $1,329,734 (+114%) from 2015

Expenses

Up

$1,119,428

Up $115,872 (+12%) from 2015

Net Income

Up

$1,374,024

Up $1,213,862 (+758%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2017

Assets$31,040,553
Liabilities$26,335,638
Net Assets$4,704,915
Open 2017 Filing

Operations Trend

Revenue Growth100th 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

2017

Revenue$2,493,452
Expenses$1,119,428
Net Income$1,374,024
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 9, 2018
Return Version
2017v2.2
Gross Receipts
$2,493,452
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$16,009,046$17,262,674▲ $1,253,628
Investments Other Securities$6,671,768$7,588,226▲ $916,458
Rtn Earn Endowment Incm Other Fnds$3,358,341$4,704,915▲ $1,346,574
Savings and Temporary Cash Investments$2,298,705$4,251,362▲ $1,952,657
Land, Buildings, and Equipment, Net$1,109,363$1,062,307▼ $47,056
Cash and Non-Interest-Bearing Accounts$329,979$441,973▲ $111,994
Prepaid Expenses and Deferred Charges$17,782$19,061▲ $1,279
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$26,764,846$31,040,553▲ $4,275,707
Other Assets Total$328,203$414,950▲ $86,747
Liabilities
Other Liabilities$23,287,067$25,695,635▲ $2,408,568
Accounts Payable and Accrued Expenses$119,438$476,595▲ $357,157
Deferred Revenue-$163,408-
Total Liabilities$23,406,505$26,335,638▲ $2,929,133
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,358,341$4,704,915▲ $1,346,574
Total Liabilities and Net Assets / Fund Balance$26,764,846$31,040,553▲ $4,275,707

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$610,976$109,188$720,164
Land$274,700-$274,700
Equipment$36,601$198,774$235,375
Other Land Buildings$140,030$51,391$191,421
Other Securities$7,588,226--
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay LucasPresidentFT$75,746$18,362$94,108

Board Members and Trustees

NameTitle
Dennis FesslerChairman
Larry MurdockVice Chairman
Eldon TurnerDirector
Sam HartungSecretary
Murrell ArnettTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,121,594
Program Service Revenue
$1,215,645
Investment Income
$152,164
Other Revenue
$4,049
Change in Net Assets
$1,374,024
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$705,197
Salaries, Compensation, and Employee Benefits$411,731
Grants and Similar Amounts Paid$2,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$230,944
Office Expenses---$206,549
Current Officers, Directors, Trustees, and Key Employees---$94,108
Depreciation Depletion---$57,671
Payroll Taxes---$38,248
Other Employee Benefits---$36,736
All Other Expenses---$28,505
Advertising---$22,461
Insurance---$22,330
Occupancy---$18,483
Information Technology---$16,199
Other Expenses---$13,616
Fees for Services Accounting---$12,549
Pension Plan Contributions---$11,695
Fees for Services Other---$11,251
Conferences and Meetings---$7,794
Grants to Domestic Individuals---$2,500
Total Functional Expenses$0$0$0$1,119,428
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$25,695,635
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 11B

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

Form 990, Part VI, Section B, line 15

“The compensation committee of the board of directors determines compensation for all employees, including the president, using the cuna mutual salary survey, "the complete credit union staff salary survey for human resources planning." 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
2018-05-09
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
17
Volunteers
10

Preparer

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

Additional Explanations

Form 990, Part XI, line 9:

“NEW MEMBER FEES 93.”

Raw XML Appendix354 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/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
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/OtherExpensesGrp/Desc1CDFI GRANT EXPENDITURES
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IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31,2017, THERE WERE 2,302 LOANS OUTSTANDING TOTALING $17,306,870.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $135,657 FOR THE YEAR.
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt051391
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0191421
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025695635
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07588226
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS-BROKERED CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01062307
IRS990ScheduleD/TotalBookValueSecuritiesAmt07588226
IRS990ScheduleD/TotalLiabilityAmt025695635
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 COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT, USING THE CUNA MUTUAL SALARY SURVEY, "THE COMPLETE CREDIT UNION STAFF SALARY SURVEY FOR HUMAN RESOURCES PLANNING." 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 93.
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 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/TotalAssetsBOYAmt026764846
IRS990/TotalAssetsEOYAmt031040553
IRS990/TotalAssetsGrp/BOYAmt026764846
IRS990/TotalAssetsGrp/EOYAmt031040553
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt01121594
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt01119428
IRS990/TotalGrossUBIAmt03025
IRS990/TotalLiabilitiesBOYAmt023406505
IRS990/TotalLiabilitiesEOYAmt026335638
IRS990/TotalLiabilitiesGrp/BOYAmt023406505
IRS990/TotalLiabilitiesGrp/EOYAmt026335638
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03358341
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04704915
IRS990/TotalOtherCompensationAmt018362
IRS990/TotalProgramServiceRevenueAmt01215645
IRS990/TotalReportableCompFromOrgAmt075746
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01368833
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02493452
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03025
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026764846
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031040553
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY LUCAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06603858205
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-09
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/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-05-09
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm013:30:39
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/PreparerPersonGrp/PreparerPersonNm0STEPHEN LANG
ReturnHeader/ReturnTs02018-05-09T13:30:55-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,040,553
Liabilities
$26,335,638
Net assets
$4,704,915
Revenue
$2,493,452
Expenses
$1,119,428
Net income
$1,374,024
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
2017Detailed filing. Detailed filing data is available for this year.$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