Civic Intelligence

Csd Credit Union

990 • Fiscal year 2013 • EIN 44-6013258

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 18, 2014

Organization ProfileWWW.CSDCU.ORG

View Organization Page

8510 E BannisterKansas City, MO 64134

(816) 763-4020

Siviq Scores

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

Liabilities / Assets

31st percentile

0.86x

Higher debt load relative to assets than 31% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

69th percentile

22.72x

Higher debt load relative to revenue than 69% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

28th percentile

1.0%

Higher net margin than 28% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

98th percentile

$236,357

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 18.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

76th percentile

4.9%

Faster asset growth than 76% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets31st percentile

Assets

Up

$34,783,004

Up $1,619,122 (+4.9%) from 2012

Net Assets

Up

$4,944,809

Up $13,066 (+0.3%) from 2012

Liabilities

Up

$29,838,195

Up $1,606,056 (+5.7%) from 2012

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin28th percentile

Revenue

$1,313,503

No earlier filing loaded for comparison.

Expenses

Down

$1,300,437

Down $193,275 (-13%) from 2012

Net Income

$13,066

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$80M$60M$40M$20M$0Assets 2010: $30,855,840Liabilities 2010: $26,194,981Net Assets 2010: $4,660,8592010Assets 2011: $32,090,991Liabilities 2011: $27,238,444Net Assets 2011: $4,852,5472011Assets 2012: $33,163,882Liabilities 2012: $28,232,139Net Assets 2012: $4,931,7432012Assets 2013: $34,783,004Liabilities 2013: $29,838,195Net Assets 2013: $4,944,8092013Assets 2014: $35,360,589Liabilities 2014: $30,527,376Net Assets 2014: $4,833,2132014Assets 2015: $38,571,051Liabilities 2015: $33,579,510Net Assets 2015: $4,991,5412015Assets 2016: $41,106,747Liabilities 2016: $36,017,295Net Assets 2016: $5,089,4522016Assets 2017: $39,993,895Liabilities 2017: $34,595,424Net Assets 2017: $5,398,4712017Assets 2018: $39,668,468Liabilities 2018: $34,153,617Net Assets 2018: $5,514,8512018Assets 2019: $40,888,332Liabilities 2019: $35,300,088Net Assets 2019: $5,588,2442019Assets 2020: $53,372,392Liabilities 2020: $47,309,107Net Assets 2020: $6,063,2852020Assets 2021: $59,738,527Liabilities 2021: $53,380,049Net Assets 2021: $6,358,4782021Assets 2022: $71,766,536Liabilities 2022: $64,031,440Net Assets 2022: $7,735,0962022Assets 2023: $74,497,803Liabilities 2023: $65,951,578Net Assets 2023: $8,546,2252023Assets 2024: $77,024,523Liabilities 2024: $67,681,953Net Assets 2024: $9,342,5702024

Highlighted filing

2013

Assets$34,783,004
Liabilities$29,838,195
Net Assets$4,944,809
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,492,8502010Expenses 2011: $1,232,2632011Expenses 2012: $1,493,7122012Revenue 2013: $1,313,503Expenses 2013: $1,300,437Net Income 2013: $13,0662013Revenue 2014: $1,412,271Expenses 2014: $1,523,867Net Income 2014: -$111,5962014Revenue 2015: $1,352,655Expenses 2015: $1,194,327Net Income 2015: $158,3282015Revenue 2016: $1,435,066Expenses 2016: $1,311,142Net Income 2016: $123,9242016Revenue 2017: $1,565,126Expenses 2017: $1,256,107Net Income 2017: $309,0192017Revenue 2018: $1,629,515Expenses 2018: $1,388,701Net Income 2018: $240,8142018Revenue 2019: $1,831,030Expenses 2019: $1,758,424Net Income 2019: $72,6062019Revenue 2020: $1,907,473Expenses 2020: $1,608,541Net Income 2020: $298,9322020Revenue 2021: $2,065,109Expenses 2021: $1,693,909Net Income 2021: $371,2002021Revenue 2022: $2,351,686Expenses 2022: $2,011,520Net Income 2022: $340,1662022Revenue 2023: $3,435,712Expenses 2023: $2,603,278Net Income 2023: $832,4342023Revenue 2024: $4,232,822Expenses 2024: $3,430,411Net Income 2024: $802,4112024

Highlighted filing

2013

Revenue$1,313,503
Expenses$1,300,437
Net Income$13,066
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 18, 2014
Return Version
2013v3.0
Gross Receipts
$4,550,139
Mission and Program Overview

Mission

Csd credit union is a member owned not-for-profit cooperative established to provide convenient and competitive financial services. Its goal is to encourage financial independence through personalized services and sound financial counseling.

Csd credit union is a member owned not-for-profit cooperative established to provide convenient and competitive financial independence through personalized services and sound financial counseling.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,857,026$19,307,042▼ $549,984
Savings and Temporary Cash Investments$8,748,822$11,532,917▲ $2,784,095
Rtn Earn Endowment Incm Other Fnds$4,931,743$4,944,809▲ $13,066
Land, Buildings, and Equipment, Net$723,810$695,144▼ $28,666
Cash and Non-Interest-Bearing Accounts$489,488$416,864▼ $72,624
Prepaid Expenses and Deferred Charges$125,075$83,972▼ $41,103
Accounts Receivable$690$690→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$33,163,882$34,783,004▲ $1,619,122
Other Assets Total$3,218,971$2,746,375▼ $472,596
Liabilities
Other Liabilities$27,974,264$29,579,521▲ $1,605,257
Accounts Payable and Accrued Expenses$257,875$258,674▲ $799
Total Liabilities$28,232,139$29,838,195▲ $1,606,056
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,931,743$4,944,809▲ $13,066
Total Liabilities and Net Assets / Fund Balance$33,163,882$34,783,004▲ $1,619,122

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$524,531$359,504$884,035
Equipment$33,102$225,175$258,277
Land$137,511-$137,511
Other Assets Org$11,699--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony J DigiovanniPresidentFT$119,360$116,997$236,357

Board Members and Trustees

NameTitle
Freda MarkleyChairman
Kenneth MccraryVice Chairman
Darcinda WillisDirector
Linda WhitfordSecretary
Samuel SchisslerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,290,724
Investment Income
$16,631
Other Revenue
$6,148
Change in Net Assets
$13,066
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$659,891
Salaries, Compensation, and Employee Benefits$640,546
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$341,889
Office Expenses---$221,285
Current Officers, Directors, Trustees, and Key Employees---$195,772
Information Technology---$94,007
Other Employee Benefits---$42,034
Payroll Taxes---$36,814
Occupancy---$36,551
All Other Expenses---$35,432
Depreciation Depletion---$32,533
Insurance---$26,099
Pension Plan Contributions---$24,037
Advertising---$18,035
Fees for Services Accounting---$13,233
Fees for Services Other---$10,793
Fees for Services Legal---$6,393
Conferences and Meetings---$5,500
Interest---$1,149
Travel---$211
Other Expenses---$-7,417
Total Functional Expenses$0$0$0$1,300,437
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$29,579,521
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
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, 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 changes to bylaws and mergers 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 responsibility for reviewing the 990 is delegated to the president.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves compensation, including the president's compensation. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted monthly in the credit union 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
44-6013258
Phone
8167634020

Signing Officer

Name
Anthony J Digiovanni
Title
President
Phone
8167634020
Signed
2014-02-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony J Digiovanni
Formed
1959
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
21
Volunteers
8

Preparer

Phone
9138946214
Raw XML Appendix373 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/BOYAmt0257875
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0258674
IRS990/AccountsReceivableGrp/BOYAmt0690
IRS990/AccountsReceivableGrp/EOYAmt0690
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CSD CREDIT UNION IS A MEMBER OWNED NOT-FOR-PROFIT COOPERATIVE ESTABLISHED TO PROVIDE CONVENIENT AND COMPETITIVE FINANCIAL INDEPENDENCE THROUGH PERSONALIZED SERVICES AND SOUND FINANCIAL COUNSELING.
IRS990/AdvertisingGrp/TotalAmt018035
IRS990/AllOtherExpensesGrp/TotalAmt035432
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10ANTHONY J DIGIOVANNI
IRS990/BooksInCareOfDetail/PhoneNum08167634020
IRS990/BooksInCareOfDetail/USAddress/AddressLine108510 E BANNISTER
IRS990/BooksInCareOfDetail/USAddress/City0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/State0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode064134
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0489488
IRS990/CashNonInterestBearingGrp/EOYAmt0416864
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0195772
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt05500
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt016631
IRS990/CYOtherExpensesAmt0659891
IRS990/CYOtherRevenueAmt06148
IRS990/CYProgramServiceRevenueAmt01290724
IRS990/CYRevenuesLessExpensesAmt013066
IRS990/CYSalariesCompEmpBnftPaidAmt0640546
IRS990/CYTotalExpensesAmt01300437
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01313503
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt032533
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 3,624 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt013233
IRS990/FeesForServicesLegalGrp/TotalAmt06393
IRS990/FeesForServicesOtherGrp/TotalAmt010793
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt576412
IRS990/Form990PartVIISectionAGrp/PersonNm0FREDA MARKLEY
IRS990/Form990PartVIISectionAGrp/PersonNm1KENNETH MCCRARY
IRS990/Form990PartVIISectionAGrp/PersonNm2SAMUEL SCHISSLER
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA WHITFORD
IRS990/Form990PartVIISectionAGrp/PersonNm4DARCINDA WILLIS
IRS990/Form990PartVIISectionAGrp/PersonNm5ANTHONY J DIGIOVANNI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5159945
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-142556
IRS990/GainOrLossGrp/SecuritiesAmt06920
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0417000
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02684000
IRS990/GrossReceiptsAmt04550139
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt094007
IRS990/InsuranceGrp/TotalAmt026099
IRS990/InterestGrp/TotalAmt01149
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0152267
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0152267
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0868
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0584679
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0723810
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0695144
IRS990/LandBldgEquipCostOrOtherBssAmt01279823
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0559556
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt02677080
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CSD CREDIT UNION IS A MEMBER OWNED NOT-FOR-PROFIT COOPERATIVE ESTABLISHED TO PROVIDE CONVENIENT AND COMPETITIVE FINANCIAL INDEPENDENCE THROUGH PERSONALIZED SERVICES AND SOUND FINANCIAL COUNSELING.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04931743
IRS990/NetAssetsOrFundBalancesEOYAmt04944809
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-135636
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-135636
IRS990/NetUnrelatedBusTxblIncmAmt0-8609
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt036551
IRS990/OfficeExpensesGrp/TotalAmt0221285
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03218971
IRS990/OtherAssetsTotalGrp/EOYAmt02746375
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt042034
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2NCUSIF ASSESSMENTS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt096313
IRS990/OtherExpensesGrp/TotalAmt143201
IRS990/OtherExpensesGrp/TotalAmt226573
IRS990/OtherExpensesGrp/TotalAmt3-7417
IRS990/OtherLiabilitiesGrp/BOYAmt027974264
IRS990/OtherLiabilitiesGrp/EOYAmt029579521
IRS990/OtherSalariesAndWagesGrp/TotalAmt0341889
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019857026
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt019307042
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt036814
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt024037
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0125075
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt083972
IRS990/PrincipalOfficerNm0ANTHONY J DIGIOVANNI
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/Desc3WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01017003
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1266566
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01017003
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1266566
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt26332
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3823
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt06332
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1823
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 1,734 LOANS OUTSTANDING TOTALING $19,373,153.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $96,313 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0264178
IRS990/PYOtherExpensesAmt0815158
IRS990/PYOtherRevenueAmt06284
IRS990/PYProgramServiceRevenueAmt01302446
IRS990/PYRevenuesLessExpensesAmt079196
IRS990/PYSalariesCompEmpBnftPaidAmt0678554
IRS990/PYTotalExpensesAmt01493712
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01572908
IRS990/ReconcilationRevenueExpnssAmt013066
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt06148
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt06148
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04931743
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04944809
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08748822
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011532917
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0524531
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0359504
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0884035
IRS990ScheduleD/EquipmentGrp/BookValueAmt033102
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0225175
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0258277
IRS990ScheduleD/LandGrp/BookValueAmt0137511
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0137511
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02396338
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1279743
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt258595
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt311699
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0457(F) DEFERRED COMPENSATION PLAN ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029579521
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0695144
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02746375
IRS990ScheduleD/TotalLiabilityAmt029579521
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0119360
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt056511
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt019901
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt040585
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANTHONY J DIGIOVANNI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236357
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT, ANTHONY J. DIGIOVANNI, PARTICIPATES IN A 457(F) DEFERRED COMPENSATION PLAN. IN 2013, HE RECEIVED A PAYOUT OF $40,585, AND THE ENTIRE AMOUNT WAS REPORTED AS TAXABLE INCOME ON HIS W-2. DURING THE YEAR, THE CREDIT UNION RECORDED TOTAL INVESTMENT INCOME OF $43,715 AND BENEFIT EXPENSES OF $43,715 RELATED TO THIS PLAN.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 4b
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
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 CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES COMPENSATION, INCLUDING THE PRESIDENT'S COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE CREDIT UNION 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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt033163882
IRS990/TotalAssetsEOYAmt034783004
IRS990/TotalAssetsGrp/BOYAmt033163882
IRS990/TotalAssetsGrp/EOYAmt034783004
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/TotalAmt01300437
IRS990/TotalGrossUBIAmt07155
IRS990/TotalLiabilitiesBOYAmt028232139
IRS990/TotalLiabilitiesEOYAmt029838195
IRS990/TotalLiabilitiesGrp/BOYAmt028232139
IRS990/TotalLiabilitiesGrp/EOYAmt029838195
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04931743
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04944809
IRS990/TotalOtherCompensationAmt076412
IRS990/TotalProgramServiceRevenueAmt01290724
IRS990/TotalReportableCompFromOrgAmt0159945
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01306348
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01313503
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07155
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033163882
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt034783004
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0211
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine108510 E BANNISTER
IRS990/USAddress/City0KANSAS CITY
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064134
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CSDCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANTHONY J DIGIOVANNI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08167634020
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-18
ReturnHeader/Filer/BusinessName/BusinessNameLine10CSD CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CSDC
ReturnHeader/Filer/EIN0446013258
ReturnHeader/Filer/PhoneNum08167634020
ReturnHeader/Filer/USAddress/AddressLine108510 E BANNISTER
ReturnHeader/Filer/USAddress/City0KANSAS CITY
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode064134
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/ReturnTs02014-02-15T14:02:44-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$34,783,004
Liabilities
$29,838,195
Net assets
$4,944,809
Revenue
$1,313,503
Expenses
$1,300,437
Net income
$13,066
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$77.0$67.7$9.34$4.23$3.43$0.80
2023Detailed filing. Detailed filing data is available for this year.$74.5$66.0$8.55$3.44$2.60$0.83
2022Detailed filing. Detailed filing data is available for this year.$71.8$64.0$7.74$2.35$2.01$0.34
2021Detailed filing. Detailed filing data is available for this year.$59.7$53.4$6.36$2.07$1.69$0.37
2020Detailed filing. Detailed filing data is available for this year.$53.4$47.3$6.06$1.91$1.61$0.30
2019Detailed filing. Detailed filing data is available for this year.$40.9$35.3$5.59$1.83$1.76$0.07
2018Detailed filing. Detailed filing data is available for this year.$39.7$34.2$5.51$1.63$1.39$0.24
2017Detailed filing. Detailed filing data is available for this year.$40.0$34.6$5.40$1.57$1.26$0.31
2016Detailed filing. Detailed filing data is available for this year.$41.1$36.0$5.09$1.44$1.31$0.12
2015Detailed filing. Detailed filing data is available for this year.$38.6$33.6$4.99$1.35$1.19$0.16
2014Detailed filing. Detailed filing data is available for this year.$35.4$30.5$4.83$1.41$1.52$0.11
2013Detailed filing. Detailed filing data is available for this year.$34.8$29.8$4.94$1.31$1.30$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.2$28.2$4.93$1.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.1$27.2$4.85$1.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.9$26.2$4.66$1.49