Civic Intelligence

Csd Credit Union

990 • Fiscal year 2014 • EIN 44-6013258

Jan 01, 2014 to Dec 31, 2014 • Filed on Mar 13, 2015

Organization ProfileWWW.CSDCU.ORG

View Organization Page

8510 E BannisterKansas City, MO 64134-1841

(816) 763-4020

Siviq Scores

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

Liabilities / Assets

37th percentile

0.86x

Higher debt load relative to assets than 37% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

61st percentile

21.62x

Higher debt load relative to revenue than 61% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

9th percentile

-7.9%

Higher net margin than 9% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

98th percentile

$230,714

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 16.3% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

51st percentile

1.7%

Faster asset growth than 51% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

87th percentile

7.5%

Faster revenue growth than 87% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$35,360,589

Up $577,585 (+1.7%) from 2013

Net Assets

Down

$4,833,213

Down $111,596 (-2.3%) from 2013

Liabilities

Up

$30,527,376

Up $689,181 (+2.3%) from 2013

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin9th percentile

Revenue

Up

$1,412,271

Up $98,768 (+7.5%) from 2013

Expenses

Up

$1,523,867

Up $223,430 (+17%) from 2013

Net Income

Down

-$111,596

Down $124,662 (-954%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2014

Assets$35,360,589
Liabilities$30,527,376
Net Assets$4,833,213
Open 2014 Filing

Operations Trend

Revenue Growth87th percentile

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

2014

Revenue$1,412,271
Expenses$1,523,867
Net Income-$111,596
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Mar 13, 2015
Return Version
2014v5.0
Gross Receipts
$1,661,271
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$19,307,042$19,832,068▲ $525,026
Savings and Temporary Cash Investments$11,532,917$11,389,894▼ $143,023
Rtn Earn Endowment Incm Other Fnds$4,944,809$4,833,213▼ $111,596
Land, Buildings, and Equipment, Net$695,144$673,874▼ $21,270
Cash and Non-Interest-Bearing Accounts$416,864$550,572▲ $133,708
Prepaid Expenses and Deferred Charges$83,972$106,927▲ $22,955
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$34,783,004$35,360,589▲ $577,585
Other Assets Total$2,746,375$2,806,564▲ $60,189
Liabilities
Other Liabilities$29,579,521$30,230,078▲ $650,557
Accounts Payable and Accrued Expenses$258,674$297,298▲ $38,624
Total Liabilities$29,838,195$30,527,376▲ $689,181
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,944,809$4,833,213▼ $111,596
Total Liabilities and Net Assets / Fund Balance$34,783,004$35,360,589▲ $577,585

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$507,165$385,311$892,476
Equipment$29,198$232,399$261,597
Land$137,511-$137,511
Other Assets Org$14,172--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony J DigiovanniPresidentFT$120,000$110,714$230,714

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
$1,226,610
Investment Income
$180,093
Other Revenue
$5,568
Change in Net Assets
$-111,596
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$873,439
Salaries, Compensation, and Employee Benefits$650,428
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$353,228
Office Expenses---$220,556
Current Officers, Directors, Trustees, and Key Employees---$188,681
Information Technology---$95,061
Other Employee Benefits---$48,914
Payroll Taxes---$37,415
Depreciation Depletion---$33,031
Occupancy---$32,530
Insurance---$28,779
Other Expenses---$22,675
Pension Plan Contributions---$22,190
Fees for Services Accounting---$16,560
Advertising---$13,783
Fees for Services Other---$13,509
Conferences and Meetings---$6,835
Fees for Services Legal---$5,964
Interest---$608
Travel---$98
All Other Expenses---$-7,013
Total Functional Expenses$0$0$0$1,523,867
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$30,230,078
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 president reviews the form 990 before filing.”

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

Filer Name
Csd Credit Union
EIN
44-6013258
Phone
8167634020
Address
8510 E BANNISTER, KANSAS CITY, MO 64134-1841

Signing Officer

Name
Anthony J Digiovanni
Title
President
Phone
8167634020
Signed
2015-03-13
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
17
Volunteers
8

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix370 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/BOYAmt0258674
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0297298
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/TotalAmt013783
IRS990/AllOtherExpensesGrp/TotalAmt0-7013
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ANTHONY J DIGIOVANNI
IRS990/BooksInCareOfDetail/PhoneNum08167634020
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08510 E BANNISTER
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641341841
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0416864
IRS990/CashNonInterestBearingGrp/EOYAmt0550572
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0188681
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt06835
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0180093
IRS990/CYOtherExpensesAmt0873439
IRS990/CYOtherRevenueAmt05568
IRS990/CYProgramServiceRevenueAmt01226610
IRS990/CYRevenuesLessExpensesAmt0-111596
IRS990/CYSalariesCompEmpBnftPaidAmt0650428
IRS990/CYTotalExpensesAmt01523867
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01412271
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt033031
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 3,571 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt016560
IRS990/FeesForServicesLegalGrp/TotalAmt05964
IRS990/FeesForServicesOtherGrp/TotalAmt013509
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/OtherCompensationAmt565455
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/ReportableCompFromOrgAmt5165259
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/SecuritiesAmt0194
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0249194
IRS990/GrossReceiptsAmt01661271
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt095061
IRS990/InsuranceGrp/TotalAmt028779
IRS990/InterestGrp/TotalAmt0608
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0179899
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0179899
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0862
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0617710
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0695144
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0673874
IRS990/LandBldgEquipCostOrOtherBssAmt01291584
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0249000
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/NetAssetsOrFundBalancesBOYAmt04944809
IRS990/NetAssetsOrFundBalancesEOYAmt04833213
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0194
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0194
IRS990/NetUnrelatedBusTxblIncmAmt0-8834
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt032530
IRS990/OfficeExpensesGrp/TotalAmt0220556
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02746375
IRS990/OtherAssetsTotalGrp/EOYAmt02806564
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt048914
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0240199
IRS990/OtherExpensesGrp/TotalAmt198834
IRS990/OtherExpensesGrp/TotalAmt251430
IRS990/OtherExpensesGrp/TotalAmt322675
IRS990/OtherLiabilitiesGrp/BOYAmt029579521
IRS990/OtherLiabilitiesGrp/EOYAmt030230078
IRS990/OtherSalariesAndWagesGrp/TotalAmt0353228
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019307042
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt019832068
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt037415
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt022190
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt083972
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0106927
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/RelatedOrExemptFuncIncomeAmt0936571
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1283903
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0936571
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1283903
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25886
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3250
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05886
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1250
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 1,710 LOANS OUTSTANDING TOTALING $19,999,327.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $98,834 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt016631
IRS990/PYOtherExpensesAmt0659891
IRS990/PYOtherRevenueAmt06148
IRS990/PYProgramServiceRevenueAmt01290724
IRS990/PYRevenuesLessExpensesAmt013066
IRS990/PYSalariesCompEmpBnftPaidAmt0640546
IRS990/PYTotalExpensesAmt01300437
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01313503
IRS990/ReconcilationRevenueExpnssAmt0-111596
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt05568
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt05568
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04944809
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04833213
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011532917
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011389894
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0507165
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0385311
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0892476
IRS990ScheduleD/EquipmentGrp/BookValueAmt029198
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0232399
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0261597
IRS990ScheduleD/LandGrp/BookValueAmt0137511
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0137511
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02436037
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1295795
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt260560
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt314172
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0457(F) DEFERRED COMPENSATION PLAN ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030230078
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0673874
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02806564
IRS990ScheduleD/TotalLiabilityAmt030230078
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0120000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03226
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt052920
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt012535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt042033
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANTHONY J DIGIOVANNI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0230714
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 2014, HE RECEIVED A PAYOUT OF $42,033, AND THE ENTIRE AMOUNT WAS REPORTED AS TAXABLE INCOME ON HIS W-2. DURING THE YEAR, THE CREDIT UNION RECORDED TOTAL INVESTMENT INCOME OF $39,699 AND BENEFIT EXPENSES OF $39,699 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 PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
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/TotalAssetsBOYAmt034783004
IRS990/TotalAssetsEOYAmt035360589
IRS990/TotalAssetsGrp/BOYAmt034783004
IRS990/TotalAssetsGrp/EOYAmt035360589
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt01523867
IRS990/TotalGrossUBIAmt06136
IRS990/TotalLiabilitiesBOYAmt029838195
IRS990/TotalLiabilitiesEOYAmt030527376
IRS990/TotalLiabilitiesGrp/BOYAmt029838195
IRS990/TotalLiabilitiesGrp/EOYAmt030527376
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04944809
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04833213
IRS990/TotalOtherCompensationAmt065455
IRS990/TotalProgramServiceRevenueAmt01226610
IRS990/TotalReportableCompFromOrgAmt0165259
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01406135
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01412271
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06136
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034783004
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt035360589
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt098
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08510 E BANNISTER
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641341841
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CSDCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ANTHONY J DIGIOVANNI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08167634020
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-03-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CSD CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CSDC
ReturnHeader/Filer/EIN0446013258
ReturnHeader/Filer/PhoneNum08167634020
ReturnHeader/Filer/USAddress/AddressLine1Txt08510 E BANNISTER
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641341841
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/ReturnTs02015-03-13T10:05:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$35,360,589
Liabilities
$30,527,376
Net assets
$4,833,213
Revenue
$1,412,271
Expenses
$1,523,867
Net income
-$111,596
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