Civic Intelligence

Lovers Lane Credit Union

990 • Fiscal year 2013 • EIN 43-6041925

Jan 01, 2013 to Dec 31, 2013 • Filed on Jan 22, 2013

Organization ProfileNA
1502 S BeltSaint Joseph, MO 64507

(816) 364-4000

Siviq Scores

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

Liabilities / Assets

11th percentile

0.01x

Higher debt load relative to assets than 11% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

12th percentile

0.17x

Higher debt load relative to revenue than 12% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

91st percentile

23%

Higher net margin than 91% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

71st percentile

$44,400

Higher top officer pay than 71% of similar nonprofits.

Top officer pay equals 14.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

88th percentile

9.1%

Faster asset growth than 88% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$4,670,925

Up $388,718 (+9.1%) from 2012

Net Assets

Up

$4,615,391

Up $382,980 (+9.0%) from 2012

Liabilities

Up

$55,534

Up $5,738 (+12%) from 2012

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin91st percentile

Revenue

$317,625

No earlier filing loaded for comparison.

Expenses

Up

$246,113

Up $16,059 (+7.0%) from 2012

Net Income

$71,512

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$10M$5.0M$0Assets 2012: $4,282,207Liabilities 2012: $49,796Net Assets 2012: $4,232,4112012Assets 2013: $4,670,925Liabilities 2013: $55,534Net Assets 2013: $4,615,3912013Assets 2014: $5,127,937Liabilities 2014: $59,976Net Assets 2014: $5,067,9612014Assets 2015: $5,539,159Liabilities 2015: $63,943Net Assets 2015: $5,475,2162015Assets 2016: $5,743,386Liabilities 2016: $66,832Net Assets 2016: $5,676,5542016Assets 2017: $6,171,772Liabilities 2017: $75,792Net Assets 2017: $6,095,9802017Assets 2018: $6,718,005Liabilities 2018: $85,181Net Assets 2018: $6,632,8242018Assets 2019: $7,192,932Liabilities 2019: $95,571Net Assets 2019: $7,097,3612019Assets 2020: $7,807,539Liabilities 2020: $99,449Net Assets 2020: $7,708,0902020Assets 2021: $7,986,352Liabilities 2021: $94,704Net Assets 2021: $7,891,6482021Assets 2022: $8,802,367Liabilities 2022: $111,119Net Assets 2022: $8,691,2482022Assets 2023: $7,959,132Liabilities 2023: $96,587Net Assets 2023: $7,862,5452023Assets 2024: $7,903,975Liabilities 2024: $123,533Net Assets 2024: $7,780,4422024Assets 2025: $7,478,626Liabilities 2025: $114,119Net Assets 2025: $7,364,5072025

Highlighted filing

2013

Assets$4,670,925
Liabilities$55,534
Net Assets$4,615,391
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0-$200KExpenses 2012: $230,0542012Revenue 2013: $317,625Expenses 2013: $246,113Net Income 2013: $71,5122013Revenue 2014: $329,371Expenses 2014: $293,016Net Income 2014: $36,3552014Revenue 2015: $354,463Expenses 2015: $313,736Net Income 2015: $40,7272015Revenue 2016: $368,245Expenses 2016: $326,547Net Income 2016: $41,6982016Revenue 2017: $399,032Expenses 2017: $338,806Net Income 2017: $60,2262017Revenue 2018: $429,494Expenses 2018: $375,728Net Income 2018: $53,7662018Revenue 2019: $476,681Expenses 2019: $418,181Net Income 2019: $58,5002019Revenue 2020: $456,808Expenses 2020: $399,066Net Income 2020: $57,7422020Revenue 2021: $457,794Expenses 2021: $395,436Net Income 2021: $62,3582021Revenue 2022: $468,410Expenses 2022: $410,717Net Income 2022: $57,6932022Revenue 2023: $521,548Expenses 2023: $450,917Net Income 2023: $70,6312023Revenue 2024: $532,585Expenses 2024: $484,246Net Income 2024: $48,3392024Revenue 2025: $544,295Expenses 2025: $634,489Net Income 2025: -$90,1942025

Highlighted filing

2013

Revenue$317,625
Expenses$246,113
Net Income$71,512
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jan 22, 2013
Return Version
2013v3.1
Gross Receipts
$317,625
Mission and Program Overview

Mission

Financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$3,727,259$4,038,726▲ $311,467
Accounts Receivable$2,661,544$2,893,955▲ $232,411
Savings and Temporary Cash Investments$1,432,005$1,612,697▲ $180,692
Rtn Earn Endowment Incm Other Fnds$505,152$576,665▲ $71,513
Receivables From Officers Etc$31,815$67,809▲ $35,994
Cash and Non-Interest-Bearing Accounts$99,383$39,828▼ $59,555
Other Notes and Loans Receivable, Net$8,870$9,585▲ $715
Prepaid Expenses and Deferred Charges$5,700$5,899▲ $199
Inventories for Sale or Use$8,252$3,880▼ $4,372
Total Assets$4,282,207$4,670,925▲ $388,718
Other Assets Total$34,638$37,272▲ $2,634
Liabilities
Accounts Payable and Accrued Expenses$49,796$55,534▲ $5,738
Total Liabilities$49,796$55,534▲ $5,738
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,232,411$4,615,391▲ $382,980
Total Liabilities and Net Assets / Fund Balance$4,282,207$4,670,925▲ $388,718

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$37,272--
Compensation and Service Providers
Top Officer Pay71st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Roger RobbinsManagerPT$44,400$44,400
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$317,596
Investment Income
$0
Other Revenue
$29
Change in Net Assets
$71,512
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$166,758
Salaries, Compensation, and Employee Benefits$79,355
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$86,004--$86,004
Current Officers, Directors, Trustees, and Key Employees-$73,667-$73,667
Other Employee Benefits-$5,688-$5,688
Occupancy-$4,800-$4,800
All Other Expenses-$3,170-$3,170
Insurance$3,124--$3,124
Conferences and Meetings-$2,569-$2,569
Fees for Services Accounting-$2,175-$2,175
Other Expenses$9,448$1,771-$1,771
Travel-$988-$988
Total Functional Expenses$98,576$147,537$0$246,113
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$31,815$67,809▲ $35,994
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Executive board is elected by vote of all members at annual meeting.”

Member election for additional members Part VI line 7A

“Board members are elected by the members present at the annual meeting.”

Form 990 governing body review Part VI line 11

“Form 990 is reviewed by the President prior to filing.”

CEO executive director top management comp Part VI line 15A

“Compensation is determined by a vote of the Executive Board.”

Other officer or key employee compensation Part VI line 15B

“Compensation is determined by a vote of the Executive Board.”

Governing documents etc available to public Part VI line 19

“Form 990 is available for review upon request.”

Filing and Contact Details

Filer

EIN
43-6041925

Signing Officer

Name
Roger Robbins
Title
Manager
Phone
8163644000
Signed
2013-01-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Roger Robbins
Formed
1956
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
0
Employees
2

Preparer

Preparer
Robert C Sanger CPA
Phone
8162794949
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Net increase in member deposits during year”

Raw XML Appendix314 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Executive board is elected by vote of all members at annual meeting.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990 is reviewed by the President prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation is determined by a vote of the Executive Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation is determined by a vote of the Executive Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Form 990 is available for review upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NET INCREASE IN MEMBER DEPOSITS DURING YEAR
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TravelGrp/TotalAmt0988
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101502 S BELT
IRS990/USAddress/City0Saint Joseph
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064506
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0NA
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROGER ROBBINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum08163644000
ReturnHeader/BusinessOfficerGrp/SignatureDt02013-01-22
ReturnHeader/Filer/BusinessName/BusinessNameLine10LOVERS LANE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LOVE
ReturnHeader/Filer/EIN0436041925
ReturnHeader/Filer/USAddress/AddressLine101502 S BELT
ReturnHeader/Filer/USAddress/City0Saint Joseph
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064507
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431459858
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10ROBERT C SANGER PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10103 North 36th Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Saint Joseph
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode064506
ReturnHeader/PreparerPersonGrp/PhoneNum08162794949
ReturnHeader/PreparerPersonGrp/PreparationDt02014-01-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert C Sanger CPA
ReturnHeader/ReturnTs02014-01-28T15:45:20-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,670,925
Liabilities
$55,534
Net assets
$4,615,391
Revenue
$317,625
Expenses
$246,113
Net income
$71,512
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.48$0.11$7.36$0.54$0.63$0.09
2024Detailed filing. Detailed filing data is available for this year.$7.90$0.12$7.78$0.53$0.48$0.05
2023Detailed filing. Detailed filing data is available for this year.$7.96$0.10$7.86$0.52$0.45$0.07
2022Detailed filing. Detailed filing data is available for this year.$8.80$0.11$8.69$0.47$0.41$0.06
2021Detailed filing. Detailed filing data is available for this year.$7.99$0.09$7.89$0.46$0.40$0.06
2020Detailed filing. Detailed filing data is available for this year.$7.81$0.10$7.71$0.46$0.40$0.06
2019Detailed filing. Detailed filing data is available for this year.$7.19$0.10$7.10$0.48$0.42$0.06
2018Detailed filing. Detailed filing data is available for this year.$6.72$0.09$6.63$0.43$0.38$0.05
2017Detailed filing. Detailed filing data is available for this year.$6.17$0.08$6.10$0.40$0.34$0.06
2016Detailed filing. Detailed filing data is available for this year.$5.74$0.07$5.68$0.37$0.33$0.04
2015Detailed filing. Detailed filing data is available for this year.$5.54$0.06$5.48$0.35$0.31$0.04
2014Detailed filing. Detailed filing data is available for this year.$5.13$0.06$5.07$0.33$0.29$0.04
2013Detailed filing. Detailed filing data is available for this year.$4.67$0.06$4.62$0.32$0.25$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.28$0.05$4.23$0.23