Civic Intelligence

Lovers Lane Credit Union

990 • Fiscal year 2018 • EIN 43-6041925

Jan 01, 2018 to Dec 31, 2018 • Filed on Jan 23, 2019

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

8th percentile

0.01x

Higher debt load relative to assets than 8% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Liabilities / Revenue

9th percentile

0.20x

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

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Net Margin

64th percentile

13%

Higher net margin than 64% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Top Officer Pay

66th percentile

$63,204

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Asset Growth

96th percentile

8.9%

Faster asset growth than 96% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Revenue Growth

50th percentile

7.6%

Faster revenue growth than 50% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets8th percentile

Assets

Up

$6,718,005

Up $546,233 (+8.9%) from 2017

Net Assets

Up

$6,632,824

Up $536,844 (+8.8%) from 2017

Liabilities

Up

$85,181

Up $9,389 (+12%) from 2017

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin64th percentile

Revenue

Up

$429,494

Up $30,462 (+7.6%) from 2017

Expenses

Up

$375,728

Up $36,922 (+11%) from 2017

Net Income

Down

$53,766

Down $6,460 (-11%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth96th 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

2018

Assets$6,718,005
Liabilities$85,181
Net Assets$6,632,824
Open 2018 Filing

Operations Trend

Revenue Growth50th percentile

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

2018

Revenue$429,494
Expenses$375,728
Net Income$53,766
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jan 23, 2019
Return Version
2018v3.1
Gross Receipts
$429,494
Mission and Program Overview

Mission

Financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$5,340,309$5,823,387▲ $483,078
Accounts Receivable$4,969,410$5,571,727▲ $602,317
Savings and Temporary Cash Investments$956,556$882,786▼ $73,770
Rtn Earn Endowment Incm Other Fnds$755,671$809,437▲ $53,766
Cash and Non-Interest-Bearing Accounts$121,663$120,895▼ $768
Receivables From Officers Etc$56,378$60,486▲ $4,108
Other Notes and Loans Receivable, Net$12,500$14,971▲ $2,471
Prepaid Expenses and Deferred Charges$5,454$11,258▲ $5,804
Total Assets$6,171,772$6,718,005▲ $546,233
Other Assets Total$49,811$55,882▲ $6,071
Liabilities
Accounts Payable and Accrued Expenses$75,792$85,181▲ $9,389
Total Liabilities$75,792$85,181▲ $9,389
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,095,980$6,632,824▲ $536,844
Total Liabilities and Net Assets / Fund Balance$6,171,772$6,718,005▲ $546,233

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$55,882--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Roger RobbinsManagerPT$63,204$63,204
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$427,117
Investment Income
$0
Other Revenue
$2,377
Change in Net Assets
$53,766
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$251,432
Salaries, Compensation, and Employee Benefits$124,296
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$127,882--$127,882
Current Officers, Directors, Trustees, and Key Employees-$108,100-$108,100
Other Employee Benefits-$16,196-$16,196
Occupancy-$5,700-$5,700
Fees for Services Accounting-$3,720-$3,720
Travel-$2,797-$2,797
Other Expenses$44,418$2,422-$2,422
Conferences and Meetings-$1,713-$1,713
All Other Expenses-$20-$20
Total Functional Expenses$172,300$203,428$0$375,728
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$56,378$60,486▲ $4,108
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

Filer Name
Lovers Lane Credit Union
EIN
43-6041925
Address
1502 S BELT, Saint Joseph, MO 64507

Signing Officer

Name
Roger Robbins
Title
President
Phone
8163644000
Signed
2019-01-23
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
3

Preparer

Firm
Drummond-McConnell LLC
Address
103 North 36th Street, Saint Joseph, MO 64506
Preparer
Courtney Drummond-McConnell 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 Appendix318 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board members are elected by the members present at the annual meeting.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation is determined by a vote of the Executive Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Compensation is determined by a vote of the Executive Board.
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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/TransactionWithControlEntInd0false
IRS990/TravelGrp/ManagementAndGeneralAmt02797
IRS990/TravelGrp/TotalAmt02797
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 8021
IRS990/USAddress/CityNm0Saint Joseph
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd064508
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0NA
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROGER ROBBINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08163644000
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-01-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LOVERS LANE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LOVE
ReturnHeader/Filer/EIN0436041925
ReturnHeader/Filer/USAddress/AddressLine1Txt01502 S BELT
ReturnHeader/Filer/USAddress/CityNm0Saint Joseph
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd064507
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ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02019-01-28
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt070.252.128.220
ReturnHeader/FilingSecurityInformation/IPDt02019-01-28
ReturnHeader/FilingSecurityInformation/IPTm019:31:30
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0822739813
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Drummond-McConnell LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0103 North 36th Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Saint Joseph
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd064506
ReturnHeader/PreparerPersonGrp/PhoneNum08162794949
ReturnHeader/PreparerPersonGrp/PreparationDt02019-01-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Courtney Drummond-McConnell CPA
ReturnHeader/ReturnTs02019-01-28T19:37:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,718,005
Liabilities
$85,181
Net assets
$6,632,824
Revenue
$429,494
Expenses
$375,728
Net income
$53,766
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