Civic Intelligence

Summit Ridge Credit Union

990 • Fiscal year 2013 • EIN 44-6013148

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 14, 2014

Organization ProfileWWW.MYSRCU.COM
3485 NE Ralph Powell RoadLees Summit, MO 64064

(816) 272-6160

Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

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

Liabilities / Revenue

63rd percentile

22.53x

Higher debt load relative to revenue than 63% of similar nonprofits.

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

Net Margin

18th percentile

-5.4%

Higher net margin than 18% of similar nonprofits.

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

Top Officer Pay

89th percentile

$104,455

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 16.0% of source-year revenue.

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

Asset Growth

25th percentile

-1.6%

Faster asset growth than 25% 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 / Assets80th percentile

Assets

Down

$16,245,221

Down $267,331 (-1.6%) from 2012

Net Assets

Down

$1,514,468

Down $35,210 (-2.3%) from 2012

Liabilities

Down

$14,730,753

Down $232,121 (-1.6%) from 2012

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin18th percentile

Revenue

$653,830

No earlier filing loaded for comparison.

Expenses

Up

$689,040

Up $121,995 (+22%) from 2012

Net Income

-$35,210

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$30M$20M$10M$0Assets 2010: $13,217,492Liabilities 2010: $11,699,453Net Assets 2010: $1,518,0392010Assets 2011: $14,017,243Liabilities 2011: $12,484,485Net Assets 2011: $1,532,7582011Assets 2012: $16,512,552Liabilities 2012: $14,962,874Net Assets 2012: $1,549,6782012Assets 2013: $16,245,221Liabilities 2013: $14,730,753Net Assets 2013: $1,514,4682013Assets 2014: $15,682,314Liabilities 2014: $14,149,483Net Assets 2014: $1,532,8312014Assets 2015: $15,959,009Liabilities 2015: $14,553,066Net Assets 2015: $1,405,9432015Assets 2016: $16,140,445Liabilities 2016: $14,733,891Net Assets 2016: $1,406,5542016Assets 2017: $14,935,707Liabilities 2017: $13,498,577Net Assets 2017: $1,437,1302017Assets 2018: $15,381,481Liabilities 2018: $13,928,487Net Assets 2018: $1,452,9942018Assets 2019: $15,878,910Liabilities 2019: $14,391,317Net Assets 2019: $1,487,5932019Assets 2020: $16,873,674Liabilities 2020: $15,336,223Net Assets 2020: $1,537,4512020Assets 2021: $20,356,326Liabilities 2021: $18,743,502Net Assets 2021: $1,612,8242021Assets 2022: $22,613,335Liabilities 2022: $20,974,602Net Assets 2022: $1,638,7332022Assets 2023: $21,320,141Liabilities 2023: $19,620,617Net Assets 2023: $1,699,5242023Assets 2024: $21,007,578Liabilities 2024: $19,394,619Net Assets 2024: $1,612,9592024

Highlighted filing

2013

Assets$16,245,221
Liabilities$14,730,753
Net Assets$1,514,468
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $560,6212010Expenses 2011: $561,9572011Expenses 2012: $567,0452012Revenue 2013: $653,830Expenses 2013: $689,040Net Income 2013: -$35,2102013Revenue 2014: $730,467Expenses 2014: $712,104Net Income 2014: $18,3632014Revenue 2015: $721,547Expenses 2015: $848,435Net Income 2015: -$126,8882015Revenue 2016: $779,335Expenses 2016: $778,724Net Income 2016: $6112016Revenue 2017: $791,005Expenses 2017: $760,429Net Income 2017: $30,5762017Revenue 2018: $781,107Expenses 2018: $765,243Net Income 2018: $15,8642018Revenue 2019: $866,427Expenses 2019: $831,828Net Income 2019: $34,5992019Revenue 2020: $856,825Expenses 2020: $806,967Net Income 2020: $49,8582020Revenue 2021: $873,763Expenses 2021: $798,390Net Income 2021: $75,3732021Revenue 2022: $995,532Expenses 2022: $969,623Net Income 2022: $25,9092022Revenue 2023: $1,160,204Expenses 2023: $1,099,413Net Income 2023: $60,7912023Revenue 2024: $1,221,695Expenses 2024: $1,308,260Net Income 2024: -$86,5652024

Highlighted filing

2013

Revenue$653,830
Expenses$689,040
Net Income-$35,210
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.0
Gross Receipts
$653,830
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.

Summit ridge credit union is committed to provide prompt high quality services and education intended to improve the members' financial well-being at affordable rates. - provide affordable financial assistance and services in a friendly and professional environment. - assist members to save and plan for their future and well-being. - increase and improve services offered allowing easier and more efficient opportunity to conduct financial business and enhance members' benefits. - always provide excellent customer service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,843,281$8,066,087▲ $1,222,806
Savings and Temporary Cash Investments$8,669,482$7,223,984▼ $1,445,498
Rtn Earn Endowment Incm Other Fnds$1,549,678$1,514,468▼ $35,210
Land, Buildings, and Equipment, Net$538,850$515,102▼ $23,748
Cash and Non-Interest-Bearing Accounts$301,346$251,698▼ $49,648
Prepaid Expenses and Deferred Charges$9,905$9,905→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$16,512,552$16,245,221▼ $267,331
Other Assets Total$149,688$178,445▲ $28,757
Liabilities
Other Liabilities$14,878,375$14,295,566▼ $582,809
Mortgage Notes Payable Secured by Investment Property-$283,466-
Accounts Payable and Accrued Expenses$84,499$151,721▲ $67,222
Total Liabilities$14,962,874$14,730,753▼ $232,121
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,549,678$1,514,468▼ $35,210
Total Liabilities and Net Assets / Fund Balance$16,512,552$16,245,221▼ $267,331

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$285,024$23,889$308,913
Land$172,986-$172,986
Equipment$57,092$52,965$110,057
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brenda RempePresidentFT$101,388$3,067$104,455

Board Members and Trustees

NameTitle
Norman BeemanChairman
Brad WiseVice Chairman
Dennis FrancisBoard Member
L Jill GalateBoard Member
Lisa StuppsBoard Member
Sherri McgregorBoard Member
Clover ReffittSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$541,730
Investment Income
$110,562
Other Revenue
$1,538
Change in Net Assets
$-35,210
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$462,671
Salaries, Compensation, and Employee Benefits$226,369
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$120,467
Current Officers, Directors, Trustees, and Key Employees---$104,455
Other Salaries and Wages---$103,609
All Other Expenses---$62,601
Other Expenses---$30,792
Advertising---$29,984
Fees for Services Other---$29,741
Depreciation Depletion---$23,748
Occupancy---$23,256
Payroll Taxes---$17,285
Insurance---$9,280
Fees for Services Accounting---$4,540
Other Employee Benefits---$1,020
Interest---$881
Total Functional Expenses$0$0$0$689,040
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$14,295,566
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

“Certain changes are subject to approval by the credit union members; however, there were no such changes during the year.”

Form 990, Part VI, Section B, line 11

“The credit union president provides data needed to the outside accounting firm preparing the form 990 return. Upon completion, the president reviews details, makes the return available to the board members, and presents it to them at their request.”

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 compensation committee of the board of directors reviews and approves compensation based on survey results and an employment contract. Deliberations and decisions are documented in the board 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
44-6013148
Phone
8162726160

Signing Officer

Name
Brenda Rempe
Title
President
Phone
8162726160
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brenda Rempe
Formed
1955
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
9

Preparer

Phone
9138946214
Raw XML Appendix346 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/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt01538
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt01538
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01549678
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01514468
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08669482
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07223984
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0285024
IRS990ScheduleD/BuildingsGrp/DepreciationAmt023889
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0308913
IRS990ScheduleD/EquipmentGrp/BookValueAmt057092
IRS990ScheduleD/EquipmentGrp/DepreciationAmt052965
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0110057
IRS990ScheduleD/LandGrp/BookValueAmt0172986
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0172986
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014295566
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0515102
IRS990ScheduleD/TotalLiabilityAmt014295566
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/ExplanationTxt2CERTAIN CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, THERE WERE NO SUCH CHANGES DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION PRESIDENT PROVIDES DATA NEEDED TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE FORM 990 RETURN. UPON COMPLETION, THE PRESIDENT REVIEWS DETAILS, MAKES THE RETURN AVAILABLE TO THE BOARD MEMBERS, AND PRESENTS IT TO THEM AT THEIR REQUEST.
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 COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES COMPENSATION BASED ON SURVEY RESULTS AND AN EMPLOYMENT CONTRACT. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD 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/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/TotalAssetsBOYAmt016512552
IRS990/TotalAssetsEOYAmt016245221
IRS990/TotalAssetsGrp/BOYAmt016512552
IRS990/TotalAssetsGrp/EOYAmt016245221
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0689040
IRS990/TotalGrossUBIAmt03517
IRS990/TotalLiabilitiesBOYAmt014962874
IRS990/TotalLiabilitiesEOYAmt014730753
IRS990/TotalLiabilitiesGrp/BOYAmt014962874
IRS990/TotalLiabilitiesGrp/EOYAmt014730753
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01549678
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01514468
IRS990/TotalOtherCompensationAmt03067
IRS990/TotalProgramServiceRevenueAmt0541730
IRS990/TotalReportableCompFromOrgAmt0101388
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0650313
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0653830
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03517
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016512552
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016245221
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103485 NE RALPH POWELL ROAD
IRS990/USAddress/City0LEES SUMMIT
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064064
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MYSRCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA REMPE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162726160
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10SUMMIT RIDGE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SUMM
ReturnHeader/Filer/EIN0446013148
ReturnHeader/Filer/PhoneNum08162726160
ReturnHeader/Filer/USAddress/AddressLine103485 NE RALPH POWELL ROAD
ReturnHeader/Filer/USAddress/City0LEES SUMMIT
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064064
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/ReturnTs02014-11-14T16:10:48-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$16,245,221
Liabilities
$14,730,753
Net assets
$1,514,468
Revenue
$653,830
Expenses
$689,040
Net income
-$35,210
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.0$19.4$1.61$1.22$1.31$0.09
2023Detailed filing. Detailed filing data is available for this year.$21.3$19.6$1.70$1.16$1.10$0.06
2022Detailed filing. Detailed filing data is available for this year.$22.6$21.0$1.64$1.00$0.97$0.03
2021Detailed filing. Detailed filing data is available for this year.$20.4$18.7$1.61$0.87$0.80$0.08
2020Detailed filing. Detailed filing data is available for this year.$16.9$15.3$1.54$0.86$0.81$0.05
2019Detailed filing. Detailed filing data is available for this year.$15.9$14.4$1.49$0.87$0.83$0.03
2018Detailed filing. Detailed filing data is available for this year.$15.4$13.9$1.45$0.78$0.77$0.02
2017Detailed filing. Detailed filing data is available for this year.$14.9$13.5$1.44$0.79$0.76$0.03
2016Detailed filing. Detailed filing data is available for this year.$16.1$14.7$1.41$0.78$0.78$0.00
2015Detailed filing. Detailed filing data is available for this year.$16.0$14.6$1.41$0.72$0.85$0.13
2014Detailed filing. Detailed filing data is available for this year.$15.7$14.1$1.53$0.73$0.71$0.02
2013Detailed filing. Detailed filing data is available for this year.$16.2$14.7$1.51$0.65$0.69$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.5$15.0$1.55$0.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$12.5$1.53$0.56
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$11.7$1.52$0.56