Civic Intelligence

Kc Area Credit Union

990 • Fiscal year 2014 • EIN 44-0625085

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 30, 2015

Organization ProfileWWW.KCAREACU.COM

View Organization Page

PO Box 15566Kansas City, MO 64106-0566

(816) 936-5050

Siviq Scores

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

Liabilities / Assets

71st percentile

0.88x

Higher debt load relative to assets than 71% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

39th percentile

13.95x

Higher debt load relative to revenue than 39% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

76th percentile

13%

Higher net margin than 76% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

94th percentile

$72,473

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 24.4% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

81st percentile

3.9%

Faster asset growth than 81% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

59th percentile

0.6%

Faster revenue growth than 59% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$4,728,144

Up $78,755 (+1.7%) from 2012

Net Assets

Up

$580,236

Up $11,968 (+2.1%) from 2012

Liabilities

Up

$4,147,908

Up $66,787 (+1.6%) from 2012

Revenue And Expenses
Liabilities / Revenue39th percentileNet Margin76th percentile

Revenue

$297,412

No earlier filing loaded for comparison.

Expenses

Down

$257,845

Down $64,656 (-20%) from 2012

Net Income

$39,567

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$15M$10M$5.0M$0Assets 2010: $4,311,596Liabilities 2010: $3,702,097Net Assets 2010: $609,4992010Assets 2012: $4,649,389Liabilities 2012: $4,081,121Net Assets 2012: $568,2682012Assets 2014: $4,728,144Liabilities 2014: $4,147,908Net Assets 2014: $580,2362014Assets 2015: $5,023,120Liabilities 2015: $4,404,266Net Assets 2015: $618,8542015Assets 2016: $4,985,789Liabilities 2016: $4,356,136Net Assets 2016: $629,6532016Assets 2017: $11,316,575Liabilities 2017: $9,564,949Net Assets 2017: $1,751,6262017Assets 2019: $10,966,735Liabilities 2019: $9,183,310Net Assets 2019: $1,783,4252019Assets 2020: $11,911,462Liabilities 2020: $10,131,411Net Assets 2020: $1,780,0512020Assets 2021: $12,401,089Liabilities 2021: $10,700,218Net Assets 2021: $1,700,8712021Assets 2022: $11,895,341Liabilities 2022: $10,197,511Net Assets 2022: $1,697,8302022Assets 2024: $10,702,724Liabilities 2024: $8,844,728Net Assets 2024: $1,857,9962024

Highlighted filing

2014

Assets$4,728,144
Liabilities$4,147,908
Net Assets$580,236
Open 2014 Filing

Operations Trend

Revenue Growth59th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $366,2382010Expenses 2012: $322,5012012Revenue 2014: $297,412Expenses 2014: $257,845Net Income 2014: $39,5672014Revenue 2015: $334,767Expenses 2015: $296,229Net Income 2015: $38,5382015Revenue 2016: $338,805Expenses 2016: $328,063Net Income 2016: $10,7422016Revenue 2017: $541,871Expenses 2017: $500,380Net Income 2017: $41,4912017Revenue 2019: $541,316Expenses 2019: $521,644Net Income 2019: $19,6722019Revenue 2020: $492,720Expenses 2020: $496,140Net Income 2020: -$3,4202020Revenue 2021: $452,889Expenses 2021: $532,129Net Income 2021: -$79,2402021Revenue 2022: $528,307Expenses 2022: $531,403Net Income 2022: -$3,0962022Revenue 2024: $715,603Expenses 2024: $632,394Net Income 2024: $83,2092024

Highlighted filing

2014

Revenue$297,412
Expenses$257,845
Net Income$39,567
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 30, 2015
Return Version
2014v5.0
Gross Receipts
$297,412
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
Savings and Temporary Cash Investments$2,089,367$2,235,719▲ $146,352
Other Notes and Loans Receivable, Net$2,026,934$2,050,012▲ $23,078
Rtn Earn Endowment Incm Other Fnds$553,532$580,236▲ $26,704
Cash and Non-Interest-Bearing Accounts$376,857$366,038▼ $10,819
Prepaid Expenses and Deferred Charges$2,675$16,864▲ $14,189
Land, Buildings, and Equipment, Net$6,210$2,736▼ $3,474
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,551,821$4,728,144▲ $176,323
Other Assets Total$49,778$56,775▲ $6,997
Liabilities
Other Liabilities$3,942,989$4,099,595▲ $156,606
Accounts Payable and Accrued Expenses$55,300$48,313▼ $6,987
Total Liabilities$3,998,289$4,147,908▲ $149,619
Net Assets / Fund Balance
Total Net Assets Fund Balance$553,532$580,236▲ $26,704
Total Liabilities and Net Assets / Fund Balance$4,551,821$4,728,144▲ $176,323

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,736$55,676$58,412
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia EvansPresidentFT$49,045$23,428$72,473

Board Members and Trustees

NameTitle
Josef GunterChairman
John GrahamVice Chairman
Carol GravesDirector
Christopher FinkDirector
Dirk SoldanDirector
Kevin ThomasDirector
Philip GearyDirector
Tanje HollingsworthDirector
Theresa DungansSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$271,151
Investment Income
$26,261
Other Revenue
$0
Change in Net Assets
$39,567
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$186,812
Other Expenses$71,033
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$96,171
Current Officers, Directors, Trustees, and Key Employees---$72,473
Office Expenses---$37,857
Information Technology---$16,852
Payroll Taxes---$10,687
Other Employee Benefits---$7,481
Fees for Services Accounting---$7,273
Depreciation Depletion---$3,473
Occupancy---$516
All Other Expenses---$36
Interest---$12
Other Expenses---$-6,371
Total Functional Expenses$0$0$0$257,845
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$4,099,595
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
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 significant 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 form 990 is reviewed (by two people) prior to the president's approval for filing. A copy of the 990 is made available to all board members for review.”

Form 990, Part VI, Section B, line 15

“Compensation for the president and all other full-time employees is determined based on u.s. Government payscales and is subject to board approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the credit union, 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
Kc Area Credit Union
EIN
44-0625085
Phone
8169365050
Address
PO BOX 15566, KANSAS CITY, MO 64106-0566

Signing Officer

Name
Elisha Churchill
Title
President
Phone
8169365050
Signed
2015-03-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elisha Churchill
Formed
1946
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“OTHER 65.”

Financial Statement Notes

Part IV, Line 2B:

“The credit union provides credit counseling services to members.”

Raw XML Appendix351 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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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/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
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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, 2014, THERE WERE 405 LOANS OUTSTANDING TOTALING $2,073,473.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04099595
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES CREDIT COUNSELING SERVICES TO MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02736
IRS990ScheduleD/TotalLiabilityAmt04099595
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 SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED (BY TWO PEOPLE) PRIOR TO THE PRESIDENT'S APPROVAL FOR FILING. A COPY OF THE 990 IS MADE AVAILABLE TO ALL BOARD MEMBERS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR THE PRESIDENT AND ALL OTHER FULL-TIME EMPLOYEES IS DETERMINED BASED ON U.S. GOVERNMENT PAYSCALES AND IS SUBJECT TO BOARD APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, 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/ExplanationTxt6OTHER 65.
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/TotalAssetsBOYAmt04551821
IRS990/TotalAssetsEOYAmt04728144
IRS990/TotalAssetsGrp/BOYAmt04551821
IRS990/TotalAssetsGrp/EOYAmt04728144
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0257845
IRS990/TotalGrossUBIAmt015248
IRS990/TotalLiabilitiesBOYAmt03998289
IRS990/TotalLiabilitiesEOYAmt04147908
IRS990/TotalLiabilitiesGrp/BOYAmt03998289
IRS990/TotalLiabilitiesGrp/EOYAmt04147908
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0553532
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0580236
IRS990/TotalOtherCompensationAmt023428
IRS990/TotalProgramServiceRevenueAmt0271151
IRS990/TotalReportableCompFromOrgAmt049045
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0282164
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0297412
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt015248
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04551821
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04728144
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 15566
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641060566
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.KCAREACU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ELISHA CHURCHILL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08169365050
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KC AREA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KCAR
ReturnHeader/Filer/EIN0440625085
ReturnHeader/Filer/PhoneNum08169365050
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 15566
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641060566
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02015-03-30T15:17:59-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,728,144
Liabilities
$4,147,908
Net assets
$580,236
Revenue
$297,412
Expenses
$257,845
Net income
$39,567
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$8.84$1.86$0.72$0.63$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$10.2$1.70$0.53$0.53$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.4$10.7$1.70$0.45$0.53$0.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$10.1$1.78$0.49$0.50$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.0$9.18$1.78$0.54$0.52$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$9.56$1.75$0.54$0.50$0.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.99$4.36$0.63$0.34$0.33$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.02$4.40$0.62$0.33$0.30$0.04
2014Detailed filing. Detailed filing data is available for this year.$4.73$4.15$0.58$0.30$0.26$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.65$4.08$0.57$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.31$3.70$0.61$0.37