Civic Intelligence

B&V Credit Union

990 • Fiscal year 2015 • EIN 44-0648650

Jan 01, 2015 to Dec 31, 2015 • Filed on May 16, 2016

Organization ProfileWWW.BVCREDITUNION.COM

View Organization Page

11401 Lamar AvenueOverland Park, KS 66211-1508

(913) 458-2739

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.89x

Higher debt load relative to assets than 53% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

99th percentile

48.70x

Higher debt load relative to revenue than 99% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

93rd percentile

25%

Higher net margin than 93% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$107,557

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 8.8% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

26th percentile

1.4%

Faster asset growth than 26% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

52nd percentile

2.0%

Faster revenue growth than 52% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$66,681,726

Up $911,392 (+1.4%) from 2014

Net Assets

Up

$7,199,830

Up $447,844 (+6.6%) from 2014

Liabilities

Up

$59,481,896

Up $463,548 (+0.8%) from 2014

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin93rd percentile

Revenue

Up

$1,221,271

Up $23,565 (+2.0%) from 2014

Expenses

Down

$920,814

Down $42,381 (-4.4%) from 2014

Net Income

Up

$300,457

Up $65,946 (+28%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth26th percentile

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

$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

2015

Assets$66,681,726
Liabilities$59,481,896
Net Assets$7,199,830
Open 2015 Filing

Operations Trend

Revenue Growth52nd percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$1,221,271
Expenses$920,814
Net Income$300,457
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 16, 2016
Return Version
2015v2.1
Gross Receipts
$1,221,271
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$29,675,459$33,359,711▲ $3,684,252
Investments in Publicly Traded Securities$21,465,169--
Investments Other Securities-$17,471,852-
Other Notes and Loans Receivable, Net$13,246,143$14,348,603▲ $1,102,460
Rtn Earn Endowment Incm Other Fnds$6,751,986$7,199,830▲ $447,844
Cash and Non-Interest-Bearing Accounts$291,694$463,773▲ $172,079
Prepaid Expenses and Deferred Charges$56,231$56,140▼ $91
Land, Buildings, and Equipment, Net$12,288$3,342▼ $8,946
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$65,770,334$66,681,726▲ $911,392
Other Assets Total$1,023,350$978,305▼ $45,045
Liabilities
Other Liabilities$59,007,653$59,455,457▲ $447,804
Accounts Payable and Accrued Expenses$10,695$26,439▲ $15,744
Total Liabilities$59,018,348$59,481,896▲ $463,548
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,751,986$7,199,830▲ $447,844
Total Liabilities and Net Assets / Fund Balance$65,770,334$66,681,726▲ $911,392

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,342$280,046$283,388
Other Securities$17,420,269--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sandra K BartholomewPresidentFT$86,350$21,207$107,557

Board Members and Trustees

NameTitle
William G StannardChairman
Lawrence F Beil IiVice Chairman
Stuart M StorrsAssistant Treasurer
David J JohnsonSecretary
Wbrent FerrenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$641,767
Investment Income
$579,504
Other Revenue
$0
Change in Net Assets
$300,457
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$684,441
Salaries, Compensation, and Employee Benefits$236,373
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$107,557
Other Salaries and Wages---$94,390
Office Expenses---$70,635
Fees for Services Accounting---$32,835
Fees for Services Other---$31,504
Insurance---$30,180
All Other Expenses---$26,594
Other Expenses---$23,030
Payroll Taxes---$14,165
Other Employee Benefits---$13,523
Advertising---$9,857
Depreciation Depletion---$8,946
Conferences and Meetings---$8,898
Pension Plan Contributions---$6,738
Fees for Services Legal---$224
Interest---$4
Total Functional Expenses$0$0$0$920,814
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$59,191,395
457 Retirement Plan$264,062
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
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

“Significant changes such as changes to bylaws and mergers 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 credit union president reviews the form 990 and provides a copy to the board of directors before filing.”

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 posted in the credit union lobby 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 Bartholomew
Title
President
Phone
9134582739
Signed
2016-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sandra Bartholomew
Formed
1954
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
13

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix327 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 1,431 LOANS OUTSTANDING TOTALING $14,647,032.
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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/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION PRESIDENT REVIEWS THE FORM 990 AND PROVIDES A COPY TO THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE PRESIDENT'S. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY 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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt065770334
IRS990/TotalAssetsEOYAmt066681726
IRS990/TotalAssetsGrp/BOYAmt065770334
IRS990/TotalAssetsGrp/EOYAmt066681726
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0920814
IRS990/TotalGrossUBIAmt0500
IRS990/TotalLiabilitiesBOYAmt059018348
IRS990/TotalLiabilitiesEOYAmt059481896
IRS990/TotalLiabilitiesGrp/BOYAmt059018348
IRS990/TotalLiabilitiesGrp/EOYAmt059481896
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06751986
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07199830
IRS990/TotalOtherCompensationAmt021207
IRS990/TotalProgramServiceRevenueAmt0641767
IRS990/TotalReportableCompFromOrgAmt086350
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01220771
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01221271
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0500
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt065770334
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt066681726
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt011401 LAMAR AVENUE
IRS990/USAddress/CityNm0OVERLAND PARK
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd0662111508
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.BVCREDITUNION.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SANDRA BARTHOLOMEW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09134582739
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-16
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
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd0662111508
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/ReturnTs02016-05-16T16:09:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$66,681,726
Liabilities
$59,481,896
Net assets
$7,199,830
Revenue
$1,221,271
Expenses
$920,814
Net income
$300,457
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
Peer Organizations

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