Civic Intelligence

Csd Credit Union

990 • Fiscal year 2019 • EIN 44-6013258

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 26, 2020

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

46th percentile

0.86x

Higher debt load relative to assets than 46% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

64th percentile

19.28x

Higher debt load relative to revenue than 64% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

17th percentile

4.0%

Higher net margin than 17% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

99th percentile

$269,780

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

60th percentile

3.1%

Faster asset growth than 60% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

82nd percentile

12%

Faster revenue growth than 82% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$40,888,332

Up $1,219,864 (+3.1%) from 2018

Net Assets

Up

$5,588,244

Up $73,393 (+1.3%) from 2018

Liabilities

Up

$35,300,088

Up $1,146,471 (+3.4%) from 2018

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin17th percentile

Revenue

Up

$1,831,030

Up $201,515 (+12%) from 2018

Expenses

Up

$1,758,424

Up $369,723 (+27%) from 2018

Net Income

Down

$72,606

Down $168,208 (-70%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth60th 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

2019

Assets$40,888,332
Liabilities$35,300,088
Net Assets$5,588,244
Open 2019 Filing

Operations Trend

Revenue Growth82nd 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

2019

Revenue$1,831,030
Expenses$1,758,424
Net Income$72,606
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 26, 2020
Return Version
2019v5.1
Gross Receipts
$1,912,678
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,893,738$21,849,459▲ $955,721
Savings and Temporary Cash Investments$15,056,422$15,275,231▲ $218,809
Rtn Earn Endowment Incm Other Fnds$5,514,851$5,588,244▲ $73,393
Land, Buildings, and Equipment, Net$587,435$560,114▼ $27,321
Cash and Non-Interest-Bearing Accounts$316,756$301,842▼ $14,914
Prepaid Expenses and Deferred Charges$64,214$60,267▼ $3,947
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$39,668,468$40,888,332▲ $1,219,864
Other Assets Total$2,749,213$2,840,729▲ $91,516
Liabilities
Other Liabilities$34,171,845$35,264,301▲ $1,092,456
Accounts Payable and Accrued Expenses$-18,228$35,787▲ $54,015
Total Liabilities$34,153,617$35,300,088▲ $1,146,471
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,514,851$5,588,244▲ $73,393
Total Liabilities and Net Assets / Fund Balance$39,668,468$40,888,332▲ $1,219,864

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$416,173$512,244$928,417
Equipment$6,430$259,677$266,107
Land$137,511-$137,511
Other Assets Org$14,385--
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony J DigiovanniPresidentFT$138,776$131,004$269,780

Board Members and Trustees

NameTitle
Freda MarkleyChairperson
Kenneth MccraryVice Chairperson
Darcinda WillisBoard Member
Linda WhitfordSecretary
Samuel SchisslerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,388,952
Investment Income
$432,207
Other Revenue
$9,871
Change in Net Assets
$72,606
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$911,753
Salaries, Compensation, and Employee Benefits$846,671
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$450,645
Office Expenses---$275,430
Current Officers, Directors, Trustees, and Key Employees---$269,780
Information Technology---$101,845
Other Employee Benefits---$50,675
Payroll Taxes---$45,161
Insurance---$33,597
Depreciation Depletion---$33,542
Occupancy---$32,391
Pension Plan Contributions---$30,410
Fees for Services Other---$22,015
Fees for Services Accounting---$17,921
Other Expenses---$17,024
All Other Expenses---$16,611
Conferences and Meetings---$14,469
Advertising---$14,315
Fees for Services Legal---$3,185
Travel---$497
Total Functional Expenses$0$0$0$1,758,424
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$35,264,301
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
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

“Certain significant changes 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 11B

“The form 990 is reviewed by credit union management and the supervisory committee.”

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
Edward Watts
Title
President
Phone
8167634020
Signed
2020-04-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Edward Watts
Formed
1959
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
25
Volunteers
8

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Accrued interest audit adjustment 787.”

Raw XML Appendix384 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/BOYAmt0-18228
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt035787
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 SERVICES. ITS GOAL IS TO ENCOURAGE FINANCIAL INDEPENDENCE THROUGH PERSONALIZED SERVICES AND SOUND FINANCIAL COUNSELING.
IRS990/AdvertisingGrp/TotalAmt014315
IRS990/AllOtherExpensesGrp/TotalAmt016611
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0EDWARD WATTS
IRS990/BooksInCareOfDetail/PhoneNum08167634020
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08510 E BANNISTER
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641341841
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0316756
IRS990/CashNonInterestBearingGrp/EOYAmt0301842
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0269780
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt014469
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0432207
IRS990/CYOtherExpensesAmt0911753
IRS990/CYOtherRevenueAmt09871
IRS990/CYProgramServiceRevenueAmt01388952
IRS990/CYRevenuesLessExpensesAmt072606
IRS990/CYSalariesCompEmpBnftPaidAmt0846671
IRS990/CYTotalExpensesAmt01758424
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01831030
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt033542
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 3,501 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt025
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt017921
IRS990/FeesForServicesLegalGrp/TotalAmt03185
IRS990/FeesForServicesOtherGrp/TotalAmt022015
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/OtherCompensationAmt555484
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/ReportableCompFromOrgAmt5214296
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-25981
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt055667
IRS990/GrossReceiptsAmt01912678
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0101845
IRS990/InsuranceGrp/TotalAmt033597
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0458188
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0458188
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt01050
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0771921
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0587435
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0560114
IRS990/LandBldgEquipCostOrOtherBssAmt01332035
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt081648
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 SERVICES. ITS GOAL IS TO ENCOURAGE FINANCIAL INDEPENDENCE THROUGH PERSONALIZED SERVICES AND SOUND FINANCIAL COUNSELING.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt05514851
IRS990/NetAssetsOrFundBalancesEOYAmt05588244
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-25981
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-25981
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt032391
IRS990/OfficeExpensesGrp/TotalAmt0275430
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02749213
IRS990/OtherAssetsTotalGrp/EOYAmt02840729
IRS990/OtherChangesInNetAssetsAmt0787
IRS990/OtherEmployeeBenefitsGrp/TotalAmt050675
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0149947
IRS990/OtherExpensesGrp/TotalAmt1125178
IRS990/OtherExpensesGrp/TotalAmt253786
IRS990/OtherExpensesGrp/TotalAmt317024
IRS990/OtherLiabilitiesGrp/BOYAmt034171845
IRS990/OtherLiabilitiesGrp/EOYAmt035264301
IRS990/OtherSalariesAndWagesGrp/TotalAmt0450645
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt020893738
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021849459
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt045161
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt030410
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt064214
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt060267
IRS990/PrincipalOfficerNm0EDWARD WATTS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER REVENUE
IRS990/ProgramServiceRevenueGrp/Desc3WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01015560
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1365124
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01015560
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1365124
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24666
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33602
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt04666
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13602
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2019, THERE WERE 1,827 LOANS OUTSTANDING TOTALING $21,994,300.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $125,178 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0231785
IRS990/PYOtherExpensesAmt0802647
IRS990/PYOtherRevenueAmt06142
IRS990/PYProgramServiceRevenueAmt01391588
IRS990/PYRevenuesLessExpensesAmt0240814
IRS990/PYSalariesCompEmpBnftPaidAmt0586054
IRS990/PYTotalExpensesAmt01388701
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01629515
IRS990/ReconcilationRevenueExpnssAmt072606
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt09871
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09871
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05514851
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05588244
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015056422
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015275231
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0416173
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0512244
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0928417
IRS990ScheduleD/EquipmentGrp/BookValueAmt06430
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0259677
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0266107
IRS990ScheduleD/LandGrp/BookValueAmt0137511
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0137511
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02414712
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1333885
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt277747
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt314385
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0457(F) PLAN ASSETS / INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3OTHER
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035264301
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0560114
IRS990ScheduleD/TotalBookValueOtherAssetsAmt02840729
IRS990ScheduleD/TotalLiabilityAmt035264301
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0138776
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount08650
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt052747
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt02737
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt066870
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ANTHONY J DIGIOVANNI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0269780
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1ANTHONY J. DIGIOVANNI, PRESIDENT, RECEIVED A BONUS OF $5,850 RELATED TO HIS RETIREMENT AT THE END OF THE YEAR; THE AMOUNT WAS INCLUDED IN HIS W-2 WAGES. IN ADDITION, HE WAS A PARTICIPANT IN A 457(F) DEFERRED COMPENSATION PLAN. IN 2019, HE RECEIVED A PAYOUT OF $66,870 AND THE ENTIRE AMOUNT WAS REPORTED AS TAXABLE INCOME. DURING THE YEAR,THE CREDIT UNION RECORDED INVESTMENT INCOME OF $156,661 AND BENEFIT EXPENSE OF $107,680 RELATED TO THIS PLAN.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Lines 4a-b
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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY CREDIT UNION MANAGEMENT AND THE SUPERVISORY COMMITTEE.
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/ExplanationTxt6ACCRUED INTEREST AUDIT ADJUSTMENT 787.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt039668468
IRS990/TotalAssetsEOYAmt040888332
IRS990/TotalAssetsGrp/BOYAmt039668468
IRS990/TotalAssetsGrp/EOYAmt040888332
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt025
IRS990/TotalFunctionalExpensesGrp/TotalAmt01758424
IRS990/TotalGrossUBIAmt08268
IRS990/TotalLiabilitiesBOYAmt034153617
IRS990/TotalLiabilitiesEOYAmt035300088
IRS990/TotalLiabilitiesGrp/BOYAmt034153617
IRS990/TotalLiabilitiesGrp/EOYAmt035300088
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05514851
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05588244
IRS990/TotalOtherCompensationAmt055484
IRS990/TotalProgramServiceRevenueAmt01388952
IRS990/TotalReportableCompFromOrgAmt0214296
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01822762
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01831030
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08268
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt039668468
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt040888332
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0497
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/BuildTS02020-11-19 02:30:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0EDWARD WATTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08167634020
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-26
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/FilingSecurityInformation/AtSubmissionCreationDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02020-04-26
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm012:49:00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
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/PreparationDt02020-04-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02020-04-26T12:49:12-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$40,888,332
Liabilities
$35,300,088
Net assets
$5,588,244
Revenue
$1,831,030
Expenses
$1,758,424
Net income
$72,606
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