Civic Intelligence

Blue Cross Blue Shield Kc Credit Union

EIN 44-6012917 • 501(c)14 • Kansas City, MO

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.

2301 Main StreetKansas City, MO 64108-2429

www.myonlinecu.org

Siviq Scores

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

Liabilities / Assets

58th percentile

0.86x

Higher debt load relative to assets than 58% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

71st percentile

18.33x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

62nd percentile

6.5%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

81st percentile

$97,346

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 41.5% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

17th percentile

-8.1%

Faster asset growth than 17% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

17th percentile

-9.3%

Faster revenue growth than 17% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets58th percentile

Assets

Down

$5,013,951

Down $442,929 (-8.1%) from 2014

Liabilities

Down

$4,304,063

Down $458,292 (-9.6%) from 2014

Net Assets

Up

$709,888

Up $15,363 (+2.2%) from 2014

Operations
Liabilities / Revenue71st percentileNet Margin62nd percentile

Revenue

Down

$234,814

Down $24,123 (-9.3%) from 2014

Expenses

Down

$219,451

Down $46,551 (-18%) from 2014

Net Income

Up

$15,363

Up $22,428 (+317%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,188,549Liabilities 2010: $5,438,197Net Assets 2010: $750,3522010Assets 2011: $6,409,233Liabilities 2011: $5,669,182Net Assets 2011: $740,0512011Assets 2012: $6,103,874Liabilities 2012: $5,407,746Net Assets 2012: $696,1282012Assets 2013: $5,949,338Liabilities 2013: $5,247,748Net Assets 2013: $701,5902013Assets 2014: $5,456,880Liabilities 2014: $4,762,355Net Assets 2014: $694,5252014Assets 2015: $5,013,951Liabilities 2015: $4,304,063Net Assets 2015: $709,8882015

Highlighted filing

2015

Assets$5,013,951
Liabilities$4,304,063
Net Assets$709,888
Open 2015 Filing

Operations Trend

Revenue Growth17th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $403,3342010Expenses 2011: $349,5552011Expenses 2012: $330,2922012Revenue 2013: $268,936Expenses 2013: $263,474Net Income 2013: $5,4622013Revenue 2014: $258,937Expenses 2014: $266,002Net Income 2014: -$7,0652014Revenue 2015: $234,814Expenses 2015: $219,451Net Income 2015: $15,3632015

Highlighted filing

2015

Revenue$234,814
Expenses$219,451
Net Income$15,363
Open 2015 Filing

Filings

Most recent year

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

Open filing
Assets
$5,013,951
Liabilities
$4,304,063
Net assets
$709,888
Revenue
$234,814
Expenses
$219,451
Net income
$15,363
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$5.01$4.30$0.71$0.23$0.22$0.02
2014Detailed filing. Detailed filing data is available for this year.$5.46$4.76$0.69$0.26$0.27$0.01
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.95$5.25$0.70$0.27$0.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.10$5.41$0.70$0.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.41$5.67$0.74$0.35
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.19$5.44$0.75$0.40
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 14, 2016
Return Version
2015v2.1
Gross Receipts
$234,814
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$3,130,941$3,076,554▼ $54,387
Other Notes and Loans Receivable, Net$1,993,037$1,732,903▼ $260,134
Rtn Earn Endowment Incm Other Fnds$694,525$709,888▲ $15,363
Cash and Non-Interest-Bearing Accounts$202,900$96,328▼ $106,572
Prepaid Expenses and Deferred Charges$26,600$15,467▼ $11,133
Land, Buildings, and Equipment, Net$13,837$9,604▼ $4,233
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,456,880$5,013,951▼ $442,929
Other Assets Total$89,565$83,095▼ $6,470
Liabilities
Other Liabilities$4,726,437$4,263,020▼ $463,417
Accounts Payable and Accrued Expenses$35,918$41,043▲ $5,125
Total Liabilities$4,762,355$4,304,063▼ $458,292
Net Assets / Fund Balance
Total Net Assets Fund Balance$694,525$709,888▲ $15,363
Total Liabilities and Net Assets / Fund Balance$5,456,880$5,013,951▼ $442,929

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,604$17,947$27,551
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sheryl WestbyPresidentFT$75,356$21,990$97,346

Board Members and Trustees

NameTitle
Wayne BurgeChairman
Randy MeyerVice Chairman
CARRIE O'DELLDirector
Carol WorleyDirector
Chris RileyDirector
Kim Mckindra-brooksSecretary
Rachel RohrerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$179,249
Investment Income
$51,493
Other Revenue
$4,072
Change in Net Assets
$15,363
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$131,056
Other Expenses$88,395
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---$97,346
Office Expenses---$58,947
Other Salaries and Wages---$26,948
Fees for Services Accounting---$9,288
Fees for Services Other---$8,020
Insurance---$7,922
Payroll Taxes---$6,762
Depreciation Depletion---$6,609
Information Technology---$2,430
All Other Expenses---$24
Fees for Services Legal---$15
Other Expenses---$-22,004
Total Functional Expenses$0$0$0$219,451
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$4,263,020
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
Yes
Other officer compensation reviewed
Yes
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 mergers and changes to bylaws 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 president reviews the form 990 before filing.”

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

“On an annual basis, the president and all directors, committee members, and employees are required to review the conflict of interest policy, disclose any interests that 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 evaluates the president's performance and determines/approves compensation within the guidelines provided by the human resources department of blue cross blue shield of kansas city. The board'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 avaialble upon request.”

Filing and Contact Details

Filer

Filer Name
Blue Cross Blue Shield Kc Credit Union
EIN
44-6012917
Phone
8163952717
Address
2301 MAIN STREET, KANSAS CITY, MO 64108-2429

Signing Officer

Name
Sheryl Westby
Title
President
Phone
8163953394
Signed
2016-03-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sheryl Westby
Formed
1946
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
1
Volunteers
13

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix333 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt035918
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt041043
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AllOtherExpensesGrp/TotalAmt024
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0SHERYL WESTBY
IRS990/BooksInCareOfDetail/PhoneNum08163952717
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02301 MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641082429
IRS990/BusinessRlnWithFamMemInd00
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IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0202900
IRS990/CashNonInterestBearingGrp/EOYAmt096328
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
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IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt051493
IRS990/CYOtherExpensesAmt088395
IRS990/CYOtherRevenueAmt04072
IRS990/CYProgramServiceRevenueAmt0179249
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IRS990/CYSalariesCompEmpBnftPaidAmt0131056
IRS990/CYTotalExpensesAmt0219451
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0234814
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt06609
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 990 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt09288
IRS990/FeesForServicesLegalGrp/TotalAmt015
IRS990/FeesForServicesOtherGrp/TotalAmt08020
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt721990
IRS990/Form990PartVIISectionAGrp/PersonNm0WAYNE BURGE
IRS990/Form990PartVIISectionAGrp/PersonNm1RANDY MEYER
IRS990/Form990PartVIISectionAGrp/PersonNm2RACHEL ROHRER
IRS990/Form990PartVIISectionAGrp/PersonNm3KIM MCKINDRA-BROOKS
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROL WORLEY
IRS990/Form990PartVIISectionAGrp/PersonNm5CARRIE O'DELL
IRS990/Form990PartVIISectionAGrp/PersonNm6CHRIS RILEY
IRS990/Form990PartVIISectionAGrp/PersonNm7SHERYL WESTBY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt775356
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01946
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0234814
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02430
IRS990/InsuranceGrp/TotalAmt07922
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt051493
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt051493
IRS990/InvestmentInJointVentureInd01
IRS990/IRPDocumentCnt0111
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt017947
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013837
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09604
IRS990/LandBldgEquipCostOrOtherBssAmt027551
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0694525
IRS990/NetAssetsOrFundBalancesEOYAmt0709888
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt058947
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt083095
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt07620
IRS990/OtherExpensesGrp/TotalAmt17227
IRS990/OtherExpensesGrp/TotalAmt22297
IRS990/OtherExpensesGrp/TotalAmt3-22004
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IRS990/PartialLiquidationInd00
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
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IRS990/PrincipalOfficerNm0SHERYL WESTBY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
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IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt155885
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt275
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt075
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 316 LOANS OUTSTANDING TOTALING $1,750,716.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $7,620 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt03130941
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt09604
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017947
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04263020
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09604
IRS990ScheduleD/TotalLiabilityAmt04263020
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 MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS, AND EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT 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 EVALUATES THE PRESIDENT'S PERFORMANCE AND DETERMINES/APPROVES COMPENSATION WITHIN THE GUIDELINES PROVIDED BY THE HUMAN RESOURCES DEPARTMENT OF BLUE CROSS BLUE SHIELD OF KANSAS CITY. THE BOARD'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 AVAIALBLE 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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05456880
IRS990/TotalAssetsEOYAmt05013951
IRS990/TotalAssetsGrp/BOYAmt05456880
IRS990/TotalAssetsGrp/EOYAmt05013951
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/TotalAmt0219451
IRS990/TotalGrossUBIAmt075
IRS990/TotalLiabilitiesBOYAmt04762355
IRS990/TotalLiabilitiesEOYAmt04304063
IRS990/TotalLiabilitiesGrp/BOYAmt04762355
IRS990/TotalLiabilitiesGrp/EOYAmt04304063
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0694525
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0709888
IRS990/TotalOtherCompensationAmt021990
IRS990/TotalProgramServiceRevenueAmt0179249
IRS990/TotalReportableCompFromOrgAmt075356
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0234739
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0234814
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt075
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05456880
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05013951
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02301 MAIN STREET
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641082429
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MYONLINECU.ORG
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0SHERYL WESTBY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08163953394
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BLUE CROSS BLUE SHIELD KC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BLUE
ReturnHeader/Filer/EIN0446012917
ReturnHeader/Filer/PhoneNum08163952717
ReturnHeader/Filer/USAddress/AddressLine1Txt02301 MAIN STREET
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641082429
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/ReturnTs02016-03-14T12:01:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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