Civic Intelligence

B&V Credit Union

EIN 44-0648650 • 501(c)14 • Overland Park, KS

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

11401 Lamar AvenueOverland Park, KS 66211-1508

www.bvcreditunion.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

32nd percentile

0.84x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

96th percentile

29.56x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

6th percentile

-23%

Higher net margin than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

67th percentile

$139,808

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

5th percentile

-11%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

43rd percentile

6.6%

Faster revenue growth than 43% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Assets

Down

$46,667,720

Down $5,929,079 (-11%) from 2023

Liabilities

Down

$39,301,699

Down $5,638,946 (-13%) from 2023

Net Assets

Down

$7,366,021

Down $290,133 (-3.8%) from 2023

Revenue

Up

$1,329,430

Up $82,318 (+6.6%) from 2023

Expenses

Down

$1,637,251

Down $277,856 (-15%) from 2023

Net Income

Up

-$307,821

Up $360,174 (+54%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $54,354,725Liabilities 2010: $48,372,628Net Assets 2010: $5,982,0972010Assets 2011: $58,967,638Liabilities 2011: $52,563,168Net Assets 2011: $6,404,4702011Assets 2012: $65,991,111Liabilities 2012: $59,402,312Net Assets 2012: $6,588,7992012Assets 2013: $64,108,753Liabilities 2013: $58,432,013Net Assets 2013: $5,676,7402013Assets 2014: $65,770,334Liabilities 2014: $59,018,348Net Assets 2014: $6,751,9862014Assets 2015: $66,681,726Liabilities 2015: $59,481,896Net Assets 2015: $7,199,8302015Assets 2016: $66,650,942Liabilities 2016: $59,240,983Net Assets 2016: $7,409,9592016Assets 2017: $63,977,569Liabilities 2017: $56,181,406Net Assets 2017: $7,796,1632017Assets 2018: $59,505,954Liabilities 2018: $51,573,050Net Assets 2018: $7,932,9042018Assets 2019: $57,565,312Liabilities 2019: $49,305,846Net Assets 2019: $8,259,4662019Assets 2020: $64,815,159Liabilities 2020: $56,325,972Net Assets 2020: $8,489,1872020Assets 2021: $65,094,444Liabilities 2021: $56,945,665Net Assets 2021: $8,148,7792021Assets 2022: $61,643,726Liabilities 2022: $53,359,934Net Assets 2022: $8,283,7922022Assets 2023: $52,596,799Liabilities 2023: $44,940,645Net Assets 2023: $7,656,1542023Assets 2024: $46,667,720Liabilities 2024: $39,301,699Net Assets 2024: $7,366,0212024

Highlighted filing

2024

Assets$46,667,720
Liabilities$39,301,699
Net Assets$7,366,021

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,502,4922010Expenses 2011: $1,275,7202011Revenue 2012: $1,333,562Expenses 2012: $1,107,219Net Income 2012: $226,3432012Revenue 2013: $1,197,788Expenses 2013: $900,856Net Income 2013: $296,9322013Revenue 2014: $1,197,706Expenses 2014: $963,195Net Income 2014: $234,5112014Revenue 2015: $1,221,271Expenses 2015: $920,814Net Income 2015: $300,4572015Revenue 2016: $1,202,059Expenses 2016: $851,264Net Income 2016: $350,7952016Revenue 2017: $1,312,226Expenses 2017: $999,919Net Income 2017: $312,3072017Revenue 2018: $1,444,429Expenses 2018: $1,242,187Net Income 2018: $202,2422018Revenue 2019: $1,560,661Expenses 2019: $1,484,471Net Income 2019: $76,1902019Revenue 2020: $1,431,797Expenses 2020: $1,257,486Net Income 2020: $174,3112020Revenue 2021: $1,181,850Expenses 2021: $1,045,341Net Income 2021: $136,5092021Revenue 2022: $1,236,714Expenses 2022: $1,199,538Net Income 2022: $37,1762022Revenue 2023: $1,247,112Expenses 2023: $1,915,107Net Income 2023: -$667,9952023Revenue 2024: $1,329,430Expenses 2024: $1,637,251Net Income 2024: -$307,8212024

Highlighted filing

2024

Revenue$1,329,430
Expenses$1,637,251
Net Income-$307,821

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$39.3$7.37$1.33$1.64$0.31
2023Detailed filing. Detailed filing data is available for this year.$52.6$44.9$7.66$1.25$1.92$0.67
2022Detailed filing. Detailed filing data is available for this year.$61.6$53.4$8.28$1.24$1.20$0.04
2021Detailed filing. Detailed filing data is available for this year.$65.1$56.9$8.15$1.18$1.05$0.14
2020Detailed filing. Detailed filing data is available for this year.$64.8$56.3$8.49$1.43$1.26$0.17
2019Detailed filing. Detailed filing data is available for this year.$57.6$49.3$8.26$1.56$1.48$0.08
2018Detailed filing. Detailed filing data is available for this year.$59.5$51.6$7.93$1.44$1.24$0.20
2017Detailed filing. Detailed filing data is available for this year.$64.0$56.2$7.80$1.31$1.00$0.31
2016Detailed filing. Detailed filing data is available for this year.$66.7$59.2$7.41$1.20$0.85$0.35
2015Detailed filing. Detailed filing data is available for this year.$66.7$59.5$7.20$1.22$0.92$0.30
2014Detailed filing. Detailed filing data is available for this year.$65.8$59.0$6.75$1.20$0.96$0.23
2013Detailed filing. Detailed filing data is available for this year.$64.1$58.4$5.68$1.20$0.90$0.30
2012Summary only. Only limited summary data is available for this year.$66.0$59.4$6.59$1.33$1.11$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.0$52.6$6.40$1.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.4$48.4$5.98$1.50
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 22, 2025
Return Version
2024v5.2
Gross Receipts
$1,329,430
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
Investments Other Securities$21,333,970$19,954,791▼ $1,379,179
Other Notes and Loans Receivable, Net$19,998,266$17,127,499▼ $2,870,767
Savings and Temporary Cash Investments$10,465,398$8,840,607▼ $1,624,791
Rtn Earn Endowment Incm Other Fnds$7,656,154$7,366,021▼ $290,133
Prepaid Expenses and Deferred Charges$51,414$33,009▼ $18,405
Cash and Non-Interest-Bearing Accounts$3,478$4,685▲ $1,207
Land, Buildings, and Equipment, Net$2,636$0▼ $2,636
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$52,596,799$46,667,720▼ $5,929,079
Other Assets Total$741,637$707,129▼ $34,508
Liabilities
Other Liabilities$44,639,384$38,956,225▼ $5,683,159
Accounts Payable and Accrued Expenses$301,261$345,474▲ $44,213
Total Liabilities$44,940,645$39,301,699▼ $5,638,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,656,154$7,366,021▼ $290,133
Total Liabilities and Net Assets / Fund Balance$52,596,799$46,667,720▼ $5,929,079

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$420,278$420,278
Other Securities$300,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K BartholomewPresidentFT$116,500$23,308$139,808

Board Members and Trustees

NameTitle
William G StannardChairperson
Lawrence F Beil IiVice Chairperson
BRIAN D O'NEALDirector
David J JohnsonSecretary
Mark H DittusTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$968,217
Investment Income
$356,495
Other Revenue
$4,718
Change in Net Assets
$-307,821
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,272,871
Salaries, Compensation, and Employee Benefits$364,380
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$254,722
Other Salaries and Wages---$160,258
Current Officers, Directors, Trustees, and Key Employees---$139,808
Fees for Services Accounting---$37,121
Insurance---$33,125
All Other Expenses---$24,950
Other Employee Benefits---$24,719
Payroll Taxes---$23,105
Pension Plan Contributions---$16,490
Other Expenses---$13,668
Fees for Services Legal---$8,468
Advertising---$7,438
Interest---$5,669
Fees for Services Other---$3,505
Depreciation Depletion---$2,636
Travel---$1,940
Total Functional Expenses$0$0$0$1,637,251
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$38,956,225
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
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
No
Other officer compensation reviewed
No
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 11B

The credit union president presents the form 990 to the board of directors for approval.

Form 990, Part VI, Section B, Line 12C

On an annual basis, the president and all directors, committee members and key employees are required to review the conflict of interest policy, disclose any interests the could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.

Form 990, Part VI, Section B, Line 15

The board of directors reviews and approves all compensation, including the president's. Deliberations and decisions are documented in the minutes.

Form 990, Part VI, Section C, Line 19

Financial statements are 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
B&v Credit Union
EIN
44-0648650
Phone
9134582739
Address
11401 LAMAR AVENUE, OVERLAND PARK, KS 66211-1508

Signing Officer

Name
Sandra K Bartholomew
Title
President
Phone
9134582739
Signed
2025-09-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra K Bartholomew
Formed
1954
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
0
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix338 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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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2300000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS-FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1HTM-FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2HTM-US GOVERNMENT OBLIGATIONS
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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 CREDIT UNION PRESIDENT PRESENTS THE FORM 990 TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THE COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE PRESIDENT'S. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE 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/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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotalProgramServiceRevenueAmt0968217
IRS990/TotalReportableCompFromOrgAmt0116500
IRS990/TotalRevenueGrp/ExclusionAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01329430
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IRS990/TotalVolunteersCnt010
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt046667720
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01940
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt011401 LAMAR AVENUE
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IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WebsiteAddressTxt0WWW.BVCREDITUNION.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA K BARTHOLOMEW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09134582739
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0B&V CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0B&VC
ReturnHeader/Filer/EIN0440648650
ReturnHeader/Filer/PhoneNum09134582739
ReturnHeader/Filer/USAddress/AddressLine1Txt011401 LAMAR AVENUE
ReturnHeader/Filer/USAddress/CityNm0OVERLAND PARK
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-09-22T15:20:26-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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