Civic Intelligence

Kilowatt Credit Union

990 • Fiscal year 2017 • EIN 44-6012027

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 30, 2018

Organization ProfileWWW.KILOWATTCU.COM
1815 Southwest BoulevardJefferson City, MO 65109

(573) 635-2685

Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

35th percentile

16.36x

Higher debt load relative to revenue than 35% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

13th percentile

-11%

Higher net margin than 13% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

85th percentile

6.6%

Faster asset growth than 85% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

7th percentile

-8.6%

Faster revenue growth than 7% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$7,220,551

Up $449,614 (+6.6%) from 2016

Net Assets

Down

$479,689

Down $45,413 (-8.6%) from 2016

Liabilities

Up

$6,740,862

Up $495,027 (+7.9%) from 2016

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin13th percentile

Revenue

Down

$411,980

Down $38,819 (-8.6%) from 2016

Expenses

Up

$457,393

Up $18,980 (+4.3%) from 2016

Net Income

Down

-$45,413

Down $57,799 (-467%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,836,801Liabilities 2010: $6,348,448Net Assets 2010: $488,3532010Assets 2011: $7,205,125Liabilities 2011: $6,736,159Net Assets 2011: $468,9662011Assets 2012: $6,413,902Liabilities 2012: $5,899,490Net Assets 2012: $514,4122012Assets 2013: $6,394,077Liabilities 2013: $5,863,775Net Assets 2013: $530,3022013Assets 2014: $6,470,914Liabilities 2014: $5,942,082Net Assets 2014: $528,8322014Assets 2015: $6,660,383Liabilities 2015: $6,137,246Net Assets 2015: $523,1372015Assets 2016: $6,770,937Liabilities 2016: $6,245,835Net Assets 2016: $525,1022016Assets 2017: $7,220,551Liabilities 2017: $6,740,862Net Assets 2017: $479,6892017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2017

Assets$7,220,551
Liabilities$6,740,862
Net Assets$479,689
Open 2017 Filing

Operations Trend

Revenue Growth7th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $509,5722010Expenses 2011: $519,4402011Expenses 2012: $445,0372012Revenue 2013: $466,006Expenses 2013: $450,116Net Income 2013: $15,8902013Revenue 2014: $448,532Expenses 2014: $450,002Net Income 2014: -$1,4702014Revenue 2015: $441,817Expenses 2015: $447,512Net Income 2015: -$5,6952015Revenue 2016: $450,799Expenses 2016: $438,413Net Income 2016: $12,3862016Revenue 2017: $411,980Expenses 2017: $457,393Net Income 2017: -$45,4132017Revenue 2018: $95,634Expenses 2018: $144,063Net Income 2018: -$48,4292018

Highlighted filing

2017

Revenue$411,980
Expenses$457,393
Net Income-$45,413
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 30, 2018
Return Version
2017v2.3
Gross Receipts
$411,980
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$5,214,151$4,713,141▼ $501,010
Investments Program Related$648,000$1,200,000▲ $552,000
Savings and Temporary Cash Investments$497,417$914,810▲ $417,393
Rtn Earn Endowment Incm Other Fnds$525,102$479,689▼ $45,413
Cash and Non-Interest-Bearing Accounts$166,618$211,149▲ $44,531
Receivables From Officers Etc$135,683$80,225▼ $55,458
Land, Buildings, and Equipment, Net$25,581$16,114▼ $9,467
Prepaid Expenses and Deferred Charges$13,629$14,846▲ $1,217
Total Assets$6,770,937$7,220,551▲ $449,614
Other Assets Total$69,858$70,266▲ $408
Liabilities
Other Liabilities$6,198,710$6,662,328▲ $463,618
Accounts Payable and Accrued Expenses$47,125$78,534▲ $31,409
Total Liabilities$6,245,835$6,740,862▲ $495,027
Net Assets / Fund Balance
Total Net Assets Fund Balance$525,102$479,689▼ $45,413
Total Liabilities and Net Assets / Fund Balance$6,770,937$7,220,551▲ $449,614

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,110$311,288$327,398
Leasehold Improvements$4$14,159$14,163
Investment Program Related Org$1,200,000--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Greg BentonChairman
Brad LoethenVice Chairma
Dan StepanovicBoard Member
Debbie JohnsonBoard Member
Debra BaileyBoard Member
Kevin HuberSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$400,657
Investment Income
$11,323
Other Revenue
$0
Change in Net Assets
$-45,413
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$282,148
Salaries, Compensation, and Employee Benefits$175,245
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$143,894
Office Expenses---$110,542
Other Employee Benefits---$31,351
Occupancy---$30,000
All Other Expenses---$10,659
Depreciation Depletion---$9,467
Insurance---$7,939
Other Expenses---$6,916
Advertising---$3,554
Fees for Services Other---$2,599
Travel---$298
Conferences and Meetings---$-46
Total Functional Expenses$0$0$0$457,393
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$135,683$80,225▼ $55,458
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$6,662,181
Dividends & Interst Payable$147
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, Page 6, Part VI, Line 6

“Any person who maintains a deposit or loan account, in good standing, is considered a member of the organization and can vote at the annual meeting.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors are elected by the credit union members”

Form 990, Page 6, Part VI, Line 7B

“Significant changes such as mergers and changes to by-laws are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Page 6, Part VI, Line 11B

“The supervisory committee selects/approves the accounting firm to complete the return. The responsibility for reviewing the 990 is delegated to the president.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors reviews the president's performance and sets compensation.”

Form 990, Page 6, Part VI, Line 15B

“Compensation for all other employees is determined by the president and presented as part of the budget package to the board for approval. Their deliberations and decisions are documented in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are presented at the annual meeting and are posted in the lobby. 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
Kilowatt Credit Union
EIN
44-6012027
Phone
5736352685
Address
1815 SOUTHWEST BOULEVARD, JEFFERSON CITY, MO 65109

Signing Officer

Name
Greg Benton
Title
Chairman
Phone
5736352685
Signed
2018-04-30

Organization Details

Principal Officer
Greg Benton
Formed
1952
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
5

Preparer

Firm
Seaver & Forck Cpas
Address
3523 AMAZONAS DRIVE, JEFFERSON CITY, MO 65109-5717
Preparer
Jamie Seaver
Phone
5736365507
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Board and committee members serve on a volunteer basis.”

Raw XML Appendix368 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415000
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KEVIE LOETHEN - 13
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2KEVIE LOETHEN - 14
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3KEVEN HUBER - 10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4BARBARA SHELTON - 6
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0OFFICER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3OFFICER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/TotalBalanceDueAmt080225
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD AND COMMITTEE MEMBERS SERVE ON A VOLUNTEER BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ANY PERSON WHO MAINTAINS A DEPOSIT OR LOAN ACCOUNT, IN GOOD STANDING, IS CONSIDERED A MEMBER OF THE ORGANIZATION AND CAN VOTE AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BY-LAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SUPERVISORY COMMITTEE SELECTS/APPROVES THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND SETS COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR ALL OTHER EMPLOYEES IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. THEIR DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE POSTED IN THE LOBBY. 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, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06770937
IRS990/TotalAssetsEOYAmt07220551
IRS990/TotalAssetsGrp/BOYAmt06770937
IRS990/TotalAssetsGrp/EOYAmt07220551
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0457393
IRS990/TotalGrossUBIAmt021297
IRS990/TotalLiabilitiesBOYAmt06245835
IRS990/TotalLiabilitiesEOYAmt06740862
IRS990/TotalLiabilitiesGrp/BOYAmt06245835
IRS990/TotalLiabilitiesGrp/EOYAmt06740862
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0525102
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0479689
IRS990/TotalProgramServiceRevenueAmt0400657
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0390683
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0411980
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt021297
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06770937
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07220551
IRS990/TravelGrp/TotalAmt0298
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02422 HYDE PARK SUITE A
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065109
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.KILOWATTCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0GREG BENTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIRMAN
ReturnHeader/BusinessOfficerGrp/PhoneNum05736352685
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KILOWATT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KILO
ReturnHeader/Filer/EIN0446012027
ReturnHeader/Filer/PhoneNum05736352685
ReturnHeader/Filer/USAddress/AddressLine1Txt01815 SOUTHWEST BOULEVARD
ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065109
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0ED20FB6FB0C6E4F9C7EE583B93A688073C837C06
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09E468931AB191F01A42163352A71363C4EFC040E
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt063.234.93.226
ReturnHeader/FilingSecurityInformation/IPDt02018-05-03
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:34:48
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261136632
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SEAVER & FORCK CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03523 AMAZONAS DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JEFFERSON CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0651095717
ReturnHeader/PreparerPersonGrp/PhoneNum05736365507
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAMIE SEAVER
ReturnHeader/ReturnTs02018-05-03T11:34:48-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,220,551
Liabilities
$6,740,862
Net assets
$479,689
Revenue
$411,980
Expenses
$457,393
Net income
-$45,413
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.10$0.14$0.05
2017Detailed filing. Detailed filing data is available for this year.$7.22$6.74$0.48$0.41$0.46$0.05
2016Detailed filing. Detailed filing data is available for this year.$6.77$6.25$0.53$0.45$0.44$0.01
2015Detailed filing. Detailed filing data is available for this year.$6.66$6.14$0.52$0.44$0.45$0.01
2014Detailed filing. Detailed filing data is available for this year.$6.47$5.94$0.53$0.45$0.45$0.00
2013Detailed filing. Detailed filing data is available for this year.$6.39$5.86$0.53$0.47$0.45$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.41$5.90$0.51$0.45
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.21$6.74$0.47$0.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.84$6.35$0.49$0.51