Civic Intelligence

Summit Ridge Credit Union

990 • Fiscal year 2016 • EIN 44-6013148

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

Organization ProfileWWW.MYSRCU.COM
3485 NE Ralph Powell RoadLees Summit, MO 64064-2361

(816) 272-6160

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

43rd percentile

18.91x

Higher debt load relative to revenue than 43% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

22nd percentile

0.1%

Higher net margin than 22% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

89th percentile

$109,263

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 14.0% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

43rd percentile

1.1%

Faster asset growth than 43% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

80th percentile

8.0%

Faster revenue growth than 80% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$16,140,445

Up $181,436 (+1.1%) from 2015

Net Assets

Up

$1,406,554

Up $611 (+0.0%) from 2015

Liabilities

Up

$14,733,891

Up $180,825 (+1.2%) from 2015

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin22nd percentile

Revenue

Up

$779,335

Up $57,788 (+8.0%) from 2015

Expenses

Down

$778,724

Down $69,711 (-8.2%) from 2015

Net Income

Up

$611

Up $127,499 (+100%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2016

Assets$16,140,445
Liabilities$14,733,891
Net Assets$1,406,554
Open 2016 Filing

Operations Trend

Revenue Growth80th percentile

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

2016

Revenue$779,335
Expenses$778,724
Net Income$611
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$779,335
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$8,119,915$8,570,267▲ $450,352
Savings and Temporary Cash Investments$6,938,733$6,703,408▼ $235,325
Rtn Earn Endowment Incm Other Fnds$1,405,943$1,406,554▲ $611
Land, Buildings, and Equipment, Net$472,968$455,611▼ $17,357
Cash and Non-Interest-Bearing Accounts$233,850$202,050▼ $31,800
Prepaid Expenses and Deferred Charges$12,601$15,096▲ $2,495
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$15,959,009$16,140,445▲ $181,436
Other Assets Total$180,942$194,013▲ $13,071
Liabilities
Other Liabilities$14,453,388$14,532,602▲ $79,214
Accounts Payable and Accrued Expenses$99,678$201,289▲ $101,611
Total Liabilities$14,553,066$14,733,891▲ $180,825
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,405,943$1,406,554▲ $611
Total Liabilities and Net Assets / Fund Balance$15,959,009$16,140,445▲ $181,436

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$257,928$50,985$308,913
Land$172,986-$172,986
Equipment$24,697$92,625$117,322
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brenda RempePresidentFT$106,049$3,214$109,263

Board Members and Trustees

NameTitle
Norman BeemanChairman
Brad WiseVice Chairman
Dennis FrancisBoard Member
Jennifer WhitingBoard Member
Jill GalateBoard Member
Mike LandvikBoard Member
Lori BronsonSecretary/treasurer (current)
Clover PiperSecretary/treasurer (resigned)
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$672,478
Investment Income
$104,511
Other Revenue
$2,346
Change in Net Assets
$611
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$507,007
Salaries, Compensation, and Employee Benefits$271,717
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$151,367
Other Salaries and Wages---$141,319
Current Officers, Directors, Trustees, and Key Employees---$109,263
Advertising---$39,396
Fees for Services Other---$25,475
Depreciation Depletion---$25,399
Occupancy---$25,291
Payroll Taxes---$19,613
Other Expenses---$10,479
All Other Expenses---$7,550
Fees for Services Accounting---$5,907
Pension Plan Contributions---$1,522
Total Functional Expenses$0$0$0$778,724
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$14,532,602
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 significant 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 11B

“The credit union president reviews the form 990 before filing and makes it available to the board members.”

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 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
Summit Ridge Credit Union
EIN
44-6013148
Phone
8162726160
Address
3485 NE RALPH POWELL ROAD, LEES SUMMIT, MO 64064-2361

Signing Officer

Name
Brenda Rempe
Title
President
Phone
8162726160
Signed
2017-11-09
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
8

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix357 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/TitleTxt3SECRETARY/TREASURER (CURRENT)
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
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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, 2016, THERE WERE 1,083 LOANS OUTSTANDING TOTALING $8,739,934.
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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 SIGNIFICANT 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 REVIEWS THE FORM 990 BEFORE FILING AND MAKES IT AVAILABLE TO THE BOARD MEMBERS.
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 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 11b
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
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IRS990/TotalEmployeeCnt06
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02370
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IRS990/WebsiteAddressTxt0WWW.MYSRCU.COM
IRS990/WhistleblowerPolicyInd01
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ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA REMPE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162726160
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SUMMIT RIDGE CREDIT UNION
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ReturnHeader/FilingSecurityInformation/IPDt02017-11-09
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm010:43:15
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/ReturnTs02017-11-09T10:43:31-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,140,445
Liabilities
$14,733,891
Net assets
$1,406,554
Revenue
$779,335
Expenses
$778,724
Net income
$611
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