Civic Intelligence

Summit Ridge Credit Union

990 • Fiscal year 2017 • EIN 44-6013148

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 19, 2018

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

78th percentile

0.90x

Higher debt load relative to assets than 78% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

34th percentile

17.07x

Higher debt load relative to revenue than 34% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

37th percentile

3.9%

Higher net margin than 37% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

90th percentile

$112,114

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 14.2% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

4th percentile

-7.5%

Faster asset growth than 4% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

33rd percentile

1.5%

Faster revenue growth than 33% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets78th percentile

Assets

Down

$14,935,707

Down $1,204,738 (-7.5%) from 2016

Net Assets

Up

$1,437,130

Up $30,576 (+2.2%) from 2016

Liabilities

Down

$13,498,577

Down $1,235,314 (-8.4%) from 2016

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin37th percentile

Revenue

Up

$791,005

Up $11,670 (+1.5%) from 2016

Expenses

Down

$760,429

Down $18,295 (-2.3%) from 2016

Net Income

Up

$30,576

Up $29,965 (+4904%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2017

Assets$14,935,707
Liabilities$13,498,577
Net Assets$1,437,130
Open 2017 Filing

Operations Trend

Revenue Growth33rd 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

2017

Revenue$791,005
Expenses$760,429
Net Income$30,576
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 19, 2018
Return Version
2017v2.3
Gross Receipts
$791,005
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$8,570,267$8,444,039▼ $126,228
Savings and Temporary Cash Investments$6,703,408$5,623,436▼ $1,079,972
Rtn Earn Endowment Incm Other Fnds$1,406,554$1,437,130▲ $30,576
Land, Buildings, and Equipment, Net$455,611$452,766▼ $2,845
Cash and Non-Interest-Bearing Accounts$202,050$203,712▲ $1,662
Prepaid Expenses and Deferred Charges$15,096$12,296▼ $2,800
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$16,140,445$14,935,707▼ $1,204,738
Other Assets Total$194,013$199,458▲ $5,445
Liabilities
Other Liabilities$14,532,602$13,234,674▼ $1,297,928
Accounts Payable and Accrued Expenses$201,289$263,903▲ $62,614
Total Liabilities$14,733,891$13,498,577▼ $1,235,314
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,406,554$1,437,130▲ $30,576
Total Liabilities and Net Assets / Fund Balance$16,140,445$14,935,707▼ $1,204,738

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$250,367$58,546$308,913
Land$172,986-$172,986
Equipment$29,413$94,914$124,327
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brenda RempePresidentFT$107,782$4,332$112,114

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
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$674,781
Investment Income
$112,872
Other Revenue
$3,352
Change in Net Assets
$30,576
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$478,976
Salaries, Compensation, and Employee Benefits$281,453
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$166,278
Other Salaries and Wages---$147,582
Current Officers, Directors, Trustees, and Key Employees---$112,114
Fees for Services Other---$28,099
Advertising---$25,872
Occupancy---$25,727
Depreciation Depletion---$20,464
Payroll Taxes---$19,607
Other Expenses---$10,338
Fees for Services Accounting---$5,846
Pension Plan Contributions---$2,150
All Other Expenses---$1,485
Total Functional Expenses$0$0$0$760,429
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$13,234,674
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
2018-10-19
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
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Raw XML Appendix351 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/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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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, 2017, THERE WERE 1,026 LOANS OUTSTANDING TOTALING $8,545,123.
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0250367
IRS990ScheduleD/BuildingsGrp/DepreciationAmt058546
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0308913
IRS990ScheduleD/EquipmentGrp/BookValueAmt029413
IRS990ScheduleD/EquipmentGrp/DepreciationAmt094914
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0124327
IRS990ScheduleD/LandGrp/BookValueAmt0172986
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0172986
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013234674
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0452766
IRS990ScheduleD/TotalLiabilityAmt013234674
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 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
IRS990/TotalAssetsBOYAmt016140445
IRS990/TotalAssetsEOYAmt014935707
IRS990/TotalAssetsGrp/BOYAmt016140445
IRS990/TotalAssetsGrp/EOYAmt014935707
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0760429
IRS990/TotalGrossUBIAmt02753
IRS990/TotalLiabilitiesBOYAmt014733891
IRS990/TotalLiabilitiesEOYAmt013498577
IRS990/TotalLiabilitiesGrp/BOYAmt014733891
IRS990/TotalLiabilitiesGrp/EOYAmt013498577
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01406554
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01437130
IRS990/TotalOtherCompensationAmt04332
IRS990/TotalProgramServiceRevenueAmt0674781
IRS990/TotalReportableCompFromOrgAmt0107782
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0788252
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0791005
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02753
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016140445
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt014935707
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0LEES SUMMIT
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0640642361
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MYSRCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRENDA REMPE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162726160
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SUMMIT RIDGE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SUMM
ReturnHeader/Filer/EIN0446013148
ReturnHeader/Filer/PhoneNum08162726160
ReturnHeader/Filer/USAddress/AddressLine1Txt03485 NE RALPH POWELL ROAD
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ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-10-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:58:37
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/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-10-19T10:59:04-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$14,935,707
Liabilities
$13,498,577
Net assets
$1,437,130
Revenue
$791,005
Expenses
$760,429
Net income
$30,576
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