Civic Intelligence

Healthcare Community Credit Union

990 • Fiscal year 2014 • EIN 44-0651038

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 27, 2015

Organization ProfileWWW.CUONTHENET.ORG

View Organization Page

2316 E Meyer BlvdKansas City, MO 64132-1136

(816) 276-9401

Siviq Scores

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

Liabilities / Assets

59th percentile

0.88x

Higher debt load relative to assets than 59% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

29th percentile

15.98x

Higher debt load relative to revenue than 29% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

18th percentile

-3.0%

Higher net margin than 18% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

98th percentile

$181,825

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 20.1% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

24th percentile

-1.5%

Faster asset growth than 24% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

60th percentile

1.4%

Faster revenue growth than 60% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets59th percentile

Assets

Down

$16,525,255

Down $243,383 (-1.5%) from 2013

Net Assets

Down

$2,046,342

Down $26,009 (-1.3%) from 2013

Liabilities

Down

$14,478,913

Down $217,374 (-1.5%) from 2013

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin18th percentile

Revenue

Up

$906,268

Up $12,648 (+1.4%) from 2013

Expenses

Up

$933,277

Up $2,329 (+0.3%) from 2013

Net Income

Up

-$27,009

Up $10,319 (+28%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2014

Assets$16,525,255
Liabilities$14,478,913
Net Assets$2,046,342
Open 2014 Filing

Operations Trend

Revenue Growth60th percentile

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

2014

Revenue$906,268
Expenses$933,277
Net Income-$27,009
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 27, 2015
Return Version
2014v5.0
Gross Receipts
$906,268
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$11,232,440$10,074,193▼ $1,158,247
Savings and Temporary Cash Investments$4,379,293$4,351,498▼ $27,795
Rtn Earn Endowment Incm Other Fnds$2,072,351$2,046,342▼ $26,009
Investments in Publicly Traded Securities-$901,000-
Cash and Non-Interest-Bearing Accounts$249,385$257,714▲ $8,329
Prepaid Expenses and Deferred Charges$54,892$137,115▲ $82,223
Land, Buildings, and Equipment, Net$35,720$27,430▼ $8,290
Accounts Receivable$15,111$22,594▲ $7,483
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$16,768,638$16,525,255▼ $243,383
Other Assets Total$801,797$753,711▼ $48,086
Liabilities
Other Liabilities$14,577,275$14,362,729▼ $214,546
Accounts Payable and Accrued Expenses$119,012$116,184▼ $2,828
Total Liabilities$14,696,287$14,478,913▼ $217,374
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,072,351$2,046,342▼ $26,009
Total Liabilities and Net Assets / Fund Balance$16,768,638$16,525,255▼ $243,383

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$25,421$115,080$140,501
Leasehold Improvements$2,009$1,082$3,091
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ella Jane AndersonPresidentFT$140,993$40,832$181,825

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
$809,489
Investment Income
$86,847
Other Revenue
$9,932
Change in Net Assets
$-27,009
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$489,799
Other Expenses$443,478
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$250,471
Current Officers, Directors, Trustees, and Key Employees---$181,825
Office Expenses---$120,465
Information Technology---$68,690
Other Expenses---$33,447
Payroll Taxes---$31,801
Other Employee Benefits---$25,702
Fees for Services Accounting---$24,819
Insurance---$20,484
Conferences and Meetings---$20,297
All Other Expenses---$17,982
Advertising---$17,935
Depreciation Depletion---$10,481
Fees for Services Other---$8,428
Fees for Services Legal---$4,648
Occupancy---$1,425
Interest---$24
Total Functional Expenses$0$0$0$933,277
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$14,362,729
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
No
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 15A

“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

Filer Name
Healthcare Community Credit Union
EIN
44-0651038
Phone
8162769401
Address
2316 E MEYER BLVD, KANSAS CITY, MO 64132-1136

Signing Officer

Name
Ella Jane Anderson
Title
President
Phone
8162769401
Signed
2015-04-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ella Jane Anderson
Formed
1960
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
6
Volunteers
10

Preparer

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

Additional Explanations

Form 990, Part III, Line 2

“In 2014, the credit union added mobile banking services.”

FORM 990, PART XI, LINE 9:

“Posting error corrected in 2015 -1,304.”

Raw XML Appendix371 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
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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, LOANS OUTSTANDING TOTALED $10,122,500.
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt017177
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt02498
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt017267
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ELLA JANE ANDERSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0181825
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. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT, ELLA JANE ANDERSON, PARTICIPATES IN A 457(B) DEFERRED COMPENSATION PLAN. IN 2014, $16,500 WAS DEFERRED AND VESTED. NO AMOUNTS WERE PAID OUT.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IN 2014, THE CREDIT UNION ADDED MOBILE BANKING SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CREDIT UNION MANAGEMENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A 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/ExplanationTxt6FINANCIAL 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/ExplanationTxt7POSTING ERROR CORRECTED IN 2015 -1,304.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd01
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt016768638
IRS990/TotalAssetsEOYAmt016525255
IRS990/TotalAssetsGrp/BOYAmt016768638
IRS990/TotalAssetsGrp/EOYAmt016525255
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0933277
IRS990/TotalGrossUBIAmt023558
IRS990/TotalLiabilitiesBOYAmt014696287
IRS990/TotalLiabilitiesEOYAmt014478913
IRS990/TotalLiabilitiesGrp/BOYAmt014696287
IRS990/TotalLiabilitiesGrp/EOYAmt014478913
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02072351
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02046342
IRS990/TotalOtherCompensationAmt019675
IRS990/TotalProgramServiceRevenueAmt0809489
IRS990/TotalReportableCompFromOrgAmt0162150
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0882710
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0906268
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt023558
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016768638
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016525255
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02316 E MEYER BLVD
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641321136
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.CUONTHENET.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ELLA JANE ANDERSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162769401
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HEALTHCARE COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0440651038
ReturnHeader/Filer/PhoneNum08162769401
ReturnHeader/Filer/USAddress/AddressLine1Txt02316 E MEYER BLVD
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641321136
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/ReturnTs02015-04-27T10:55:47-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$16,525,255
Liabilities
$14,478,913
Net assets
$2,046,342
Revenue
$906,268
Expenses
$933,277
Net income
-$27,009
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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