Civic Intelligence

Healthcare Community Credit Union

990 • Fiscal year 2013 • EIN 44-0651038

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 15, 2014

Organization ProfileWWW.CUONTHENET.ORG

View Organization Page

2316 E Meyer Blvd64132

(816) 276-9401

Siviq Scores

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

Liabilities / Assets

55th percentile

0.88x

Higher debt load relative to assets than 55% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

34th percentile

16.45x

Higher debt load relative to revenue than 34% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

22nd percentile

-4.2%

Higher net margin than 22% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

99th percentile

$172,614

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 19.3% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

37th percentile

0.1%

Faster asset growth than 37% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets55th percentile

Assets

Up

$16,768,638

Up $20,520 (+0.1%) from 2012

Net Assets

Down

$2,072,351

Down $37,328 (-1.8%) from 2012

Liabilities

Up

$14,696,287

Up $57,848 (+0.4%) from 2012

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin22nd percentile

Revenue

$893,620

No earlier filing loaded for comparison.

Expenses

Up

$930,948

Up $25,931 (+2.9%) from 2012

Net Income

-$37,328

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $15,144,101Liabilities 2010: $13,118,122Net Assets 2010: $2,025,9792010Assets 2011: $15,999,675Liabilities 2011: $13,936,744Net Assets 2011: $2,062,9312011Assets 2012: $16,748,118Liabilities 2012: $14,638,439Net Assets 2012: $2,109,6792012Assets 2013: $16,768,638Liabilities 2013: $14,696,287Net Assets 2013: $2,072,3512013Assets 2014: $16,525,255Liabilities 2014: $14,478,913Net Assets 2014: $2,046,3422014

Highlighted filing

2013

Assets$16,768,638
Liabilities$14,696,287
Net Assets$2,072,351
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0-$500KExpenses 2010: $891,4322010Expenses 2011: $933,3362011Expenses 2012: $905,0172012Revenue 2013: $893,620Expenses 2013: $930,948Net Income 2013: -$37,3282013Revenue 2014: $906,268Expenses 2014: $933,277Net Income 2014: -$27,0092014

Highlighted filing

2013

Revenue$893,620
Expenses$930,948
Net Income-$37,328
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 15, 2014
Return Version
2013v3.0
Gross Receipts
$946,096
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
Other Notes and Loans Receivable, Net$11,296,691$11,232,440▼ $64,251
Savings and Temporary Cash Investments$4,783,716$4,379,293▼ $404,423
Rtn Earn Endowment Incm Other Fnds$2,109,679$2,072,351▼ $37,328
Cash and Non-Interest-Bearing Accounts$278,209$249,385▼ $28,824
Prepaid Expenses and Deferred Charges$85,289$54,892▼ $30,397
Land, Buildings, and Equipment, Net$42,581$35,720▼ $6,861
Accounts Receivable$27,449$15,111▼ $12,338
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$16,748,118$16,768,638▲ $20,520
Other Assets Total$234,183$801,797▲ $567,614
Liabilities
Other Liabilities$14,506,915$14,577,275▲ $70,360
Accounts Payable and Accrued Expenses$131,524$119,012▼ $12,512
Total Liabilities$14,638,439$14,696,287▲ $57,848
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,109,679$2,072,351▼ $37,328
Total Liabilities and Net Assets / Fund Balance$16,748,118$16,768,638▲ $20,520

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$33,093$299,644$332,737
Leasehold Improvements$2,627$464$3,091
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ella Jane AndersonPresidentFT$131,822$40,792$172,614

Board Members and Trustees

NameTitle
Ross Lee ThomasChairman
Dennis JohnsonVice Chairman
Bonnie HastieDirector
Laura MillerDirector
Sharon MitchellDirector
Cynthia RandazzoSecretary
KEVIN O'BRIENTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$844,753
Investment Income
$38,677
Other Revenue
$10,190
Change in Net Assets
$-37,328
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$470,683
Salaries, Compensation, and Employee Benefits$460,265
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$213,302
Current Officers, Directors, Trustees, and Key Employees---$172,614
Office Expenses---$119,208
Information Technology---$68,738
Other Employee Benefits---$47,607
Payroll Taxes---$26,742
Fees for Services Accounting---$21,981
All Other Expenses---$19,522
Advertising---$17,160
Insurance---$16,685
Depreciation Depletion---$13,690
Conferences and Meetings---$11,713
Other Expenses---$8,693
Fees for Services Other---$7,599
Fees for Services Legal---$1,969
Occupancy---$1,424
Interest---$11
Total Functional Expenses$0$0$0$930,948
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$14,577,275
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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 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

“Credit union management reviews the form 990 before filing.”

Form 990, Part VI, Section B, Line 15

“A third party human resources group was previously hired to recommend a compensation package for credit union management. The package is utlized in developing salary structures and is updated annually. The board of directors uses this information in setting the president's compensation. The board approves annual wage table increases as part of the budget process. Deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, 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

EIN
44-0651038
Phone
8162769401

Signing Officer

Name
Ella Jane Anderson
Title
President
Phone
8162769401
Signed
2014-09-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ella Jane Anderson
Formed
1960
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
7
Volunteers
10

Preparer

Phone
9138946214
Raw XML Appendix370 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/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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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, 2013, LOANS OUTSTANDING TOTALED $11,313,360.
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ELLA JANE ANDERSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0172614
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0A THIRD PARTY HUMAN RESOURCES GROUP WAS PREVIOUSLY HIRED TO RECOMMEND A COMPENSATION PACKAGE FOR CREDIT UNION MANAGEMENT. THE PACKAGE IS UTLIZED IN DEVELOPING SALARY STRUCTURES AND IS UPDATED ANNUALLY. THE BOARD OF DIRECTORS USES THIS INFORMATION IN SETTING THE PRESIDENT'S COMPENSATION. THE BOARD APPROVES ANNUAL WAGE TABLE INCREASES AS PART OF THE BUDGET PROCESS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT, ELLA JANE ANDERSON, PARTICIPATES IN A 457(B) DEFERRED COMPENSATION PLAN. IN 2013, $16,500 WAS DEFERRED AND VESTED.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
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 MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CREDIT UNION MANAGEMENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A THIRD PARTY HUMAN RESOURCES GROUP WAS PREVIOUSLY HIRED TO RECOMMEND A COMPENSATION PACKAGE FOR CREDIT UNION MANAGEMENT. THE PACKAGE IS UTLIZED IN DEVELOPING SALARY STRUCTURES AND IS UPDATED ANNUALLY. THE BOARD OF DIRECTORS USES THIS INFORMATION IN SETTING THE PRESIDENT'S COMPENSATION. THE BOARD APPROVES ANNUAL WAGE TABLE INCREASES AS PART OF THE BUDGET PROCESS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, 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 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/TotalAssetsBOYAmt016748118
IRS990/TotalAssetsEOYAmt016768638
IRS990/TotalAssetsGrp/BOYAmt016748118
IRS990/TotalAssetsGrp/EOYAmt016768638
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0930948
IRS990/TotalGrossUBIAmt019887
IRS990/TotalLiabilitiesBOYAmt014638439
IRS990/TotalLiabilitiesEOYAmt014696287
IRS990/TotalLiabilitiesGrp/BOYAmt014638439
IRS990/TotalLiabilitiesGrp/EOYAmt014696287
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02109679
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02072351
IRS990/TotalOtherCompensationAmt022387
IRS990/TotalProgramServiceRevenueAmt0844753
IRS990/TotalReportableCompFromOrgAmt0150227
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0873733
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0893620
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019887
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016748118
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016768638
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102316 E MEYER BLVD
IRS990/USAddress/City0KANSAS CITY
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064132
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CUONTHENET.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ELLA JANE ANDERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162769401
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-09-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10HEALTHCARE COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0440651038
ReturnHeader/Filer/PhoneNum08162769401
ReturnHeader/Filer/USAddress/AddressLine102316 E MEYER BLVD
ReturnHeader/Filer/USAddress/City0KANSAS CITY
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064132
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-09-15T16:53:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$16,768,638
Liabilities
$14,696,287
Net assets
$2,072,351
Revenue
$893,620
Expenses
$930,948
Net income
-$37,328
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$16.5$14.5$2.05$0.91$0.93$0.03
2013Detailed filing. Detailed filing data is available for this year.$16.8$14.7$2.07$0.89$0.93$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.7$14.6$2.11$0.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.0$13.9$2.06$0.93
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$13.1$2.03$0.89
Peer Organizations

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