Civic Intelligence

District One Highway Credit Union

990 • Fiscal year 2017 • EIN 44-6014557

Jan 01, 2017 to Dec 31, 2017 • Filed on Sep 25, 2018

Organization ProfileDISTRICT1HWYCU.ORG
3011 B North Belt HighwaySt Joseph, MO 64506-1548

(816) 387-2423

Siviq Scores

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

Liabilities / Assets

36th percentile

0.86x

Higher debt load relative to assets than 36% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

37.77x

Higher debt load relative to revenue than 99% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

95th percentile

29%

Higher net margin than 95% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

42nd percentile

$93,112

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 15.0% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

64th percentile

3.6%

Faster asset growth than 64% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

63rd percentile

7.7%

Faster revenue growth than 63% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$27,255,293

Up $938,570 (+3.6%) from 2016

Net Assets

Up

$3,789,346

Up $178,155 (+4.9%) from 2016

Liabilities

Up

$23,465,947

Up $760,415 (+3.3%) from 2016

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin95th percentile

Revenue

Up

$621,237

Up $44,168 (+7.7%) from 2016

Expenses

Up

$443,082

Up $10,818 (+2.5%) from 2016

Net Income

Up

$178,155

Up $33,350 (+23%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$40M$30M$20M$10M$0Assets 2010: $21,813,889Liabilities 2010: $18,924,771Net Assets 2010: $2,889,1182010Assets 2011: $21,747,706Liabilities 2011: $18,707,076Net Assets 2011: $3,040,6302011Assets 2012: $23,402,736Liabilities 2012: $20,230,864Net Assets 2012: $3,171,8722012Assets 2013: $23,499,310Liabilities 2013: $20,268,210Net Assets 2013: $3,231,1002013Assets 2014: $24,402,430Liabilities 2014: $21,047,752Net Assets 2014: $3,354,6782014Assets 2015: $25,265,146Liabilities 2015: $21,799,730Net Assets 2015: $3,465,4162015Assets 2016: $26,316,723Liabilities 2016: $22,705,532Net Assets 2016: $3,611,1912016Assets 2017: $27,255,293Liabilities 2017: $23,465,947Net Assets 2017: $3,789,3462017Assets 2018: $27,318,490Liabilities 2018: $23,337,887Net Assets 2018: $3,980,6032018Assets 2019: $27,552,791Liabilities 2019: $23,299,512Net Assets 2019: $4,253,2792019Assets 2020: $30,182,086Liabilities 2020: $25,686,094Net Assets 2020: $4,495,9922020Assets 2021: $32,726,493Liabilities 2021: $28,038,787Net Assets 2021: $4,687,7062021Assets 2022: $33,211,021Liabilities 2022: $28,372,027Net Assets 2022: $4,838,9942022Assets 2023: $31,909,041Liabilities 2023: $26,948,570Net Assets 2023: $4,960,4712023Assets 2024: $31,684,571Liabilities 2024: $26,486,567Net Assets 2024: $5,198,0042024Assets 2025: $30,100,268Liabilities 2025: $24,563,027Net Assets 2025: $5,537,2412025

Highlighted filing

2017

Assets$27,255,293
Liabilities$23,465,947
Net Assets$3,789,346
Open 2017 Filing

Operations Trend

Revenue Growth63rd percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $580,7582010Expenses 2011: $471,3902011Expenses 2012: $425,8842012Revenue 2013: $498,896Expenses 2013: $439,668Net Income 2013: $59,2282013Revenue 2014: $501,367Expenses 2014: $377,789Net Income 2014: $123,5782014Revenue 2015: $529,953Expenses 2015: $419,215Net Income 2015: $110,7382015Revenue 2016: $577,069Expenses 2016: $432,264Net Income 2016: $144,8052016Revenue 2017: $621,237Expenses 2017: $443,082Net Income 2017: $178,1552017Revenue 2018: $714,783Expenses 2018: $523,526Net Income 2018: $191,2572018Revenue 2019: $776,778Expenses 2019: $504,102Net Income 2019: $272,6762019Revenue 2020: $709,521Expenses 2020: $466,808Net Income 2020: $242,7132020Revenue 2021: $669,788Expenses 2021: $478,074Net Income 2021: $191,7142021Revenue 2022: $690,983Expenses 2022: $539,695Net Income 2022: $151,2882022Revenue 2023: $761,908Expenses 2023: $638,218Net Income 2023: $123,6902023Revenue 2024: $945,040Expenses 2024: $707,507Net Income 2024: $237,5332024Revenue 2025: $1,040,510Expenses 2025: $701,273Net Income 2025: $339,2372025

Highlighted filing

2017

Revenue$621,237
Expenses$443,082
Net Income$178,155
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Sep 25, 2018
Return Version
2017v2.3
Gross Receipts
$621,237
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$18,450,037$18,420,357▼ $29,680
Other Notes and Loans Receivable, Net$6,538,357$7,432,265▲ $893,908
Rtn Earn Endowment Incm Other Fnds$3,611,191$3,789,346▲ $178,155
Cash and Non-Interest-Bearing Accounts$548,970$553,467▲ $4,497
Prepaid Expenses and Deferred Charges$9,400$53,665▲ $44,265
Land, Buildings, and Equipment, Net$7,109$2,437▼ $4,672
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$26,316,723$27,255,293▲ $938,570
Other Assets Total$762,850$793,102▲ $30,252
Liabilities
Other Liabilities$22,598,178$23,331,778▲ $733,600
Accounts Payable and Accrued Expenses$107,354$134,169▲ $26,815
Total Liabilities$22,705,532$23,465,947▲ $760,415
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,611,191$3,789,346▲ $178,155
Total Liabilities and Net Assets / Fund Balance$26,316,723$27,255,293▲ $938,570

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,437$62,928$65,365
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robin R ShurtleffPresidentFT$70,291$22,821$93,112

Board Members and Trustees

NameTitle
Paul B HeintzChairman
Andrew J SmithVice Chairman
Joyce M ReynoldsDirector
J Michael ClarkSecretary
Wesley E BenitzTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$298,505
Investment Income
$322,732
Other Revenue
$0
Change in Net Assets
$178,155
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$276,879
Salaries, Compensation, and Employee Benefits$166,203
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$93,112
Other Salaries and Wages---$60,488
Office Expenses---$27,349
Occupancy---$21,312
Fees for Services Other---$16,887
Information Technology---$15,162
Other Expenses---$10,953
Payroll Taxes---$10,889
All Other Expenses---$7,483
Fees for Services Accounting---$6,581
Depreciation Depletion---$4,672
Conferences and Meetings---$3,514
Advertising---$2,524
Pension Plan Contributions---$1,714
Total Functional Expenses$0$0$0$443,082
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$23,331,778
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
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 mergers and changes to bylaws 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 the manager and presented to the board of directors.”

Form 990, Part VI, Section B, Line 15

“Compensation for all employees, including the president, is determined by the board of directors. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the 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
District One Highway Credit Union
EIN
44-6014557
Phone
8163872423
Address
3011 B NORTH BELT HIGHWAY, ST JOSEPH, MO 64506-1548

Signing Officer

Name
Robin R Shurtleff
Title
President
Phone
8163872465
Signed
2018-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robin R Shurtleff
Formed
1954
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
11

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Raw XML Appendix318 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 748 LOANS OUTSTANDING TOTALING $7,461,458.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $128,104 FOR THE YEAR.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS 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 THE MANAGER AND PRESENTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT, IS DETERMINED BY THE BOARD OF DIRECTORS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE 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 11B
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/TotalAssetsBOYAmt026316723
IRS990/TotalAssetsEOYAmt027255293
IRS990/TotalAssetsGrp/BOYAmt026316723
IRS990/TotalAssetsGrp/EOYAmt027255293
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0443082
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022705532
IRS990/TotalLiabilitiesEOYAmt023465947
IRS990/TotalLiabilitiesGrp/BOYAmt022705532
IRS990/TotalLiabilitiesGrp/EOYAmt023465947
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03611191
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03789346
IRS990/TotalOtherCompensationAmt022821
IRS990/TotalProgramServiceRevenueAmt0298505
IRS990/TotalReportableCompFromOrgAmt070291
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0621237
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0621237
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026316723
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027255293
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03011 B NORTH BELT HIGHWAY
IRS990/USAddress/CityNm0ST JOSEPH
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0645061548
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0DISTRICT1HWYCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBIN R SHURTLEFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08163872465
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-09-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DISTRICT ONE HIGHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DIST
ReturnHeader/Filer/EIN0446014557
ReturnHeader/Filer/PhoneNum08163872423
ReturnHeader/Filer/USAddress/AddressLine1Txt03011 B NORTH BELT HIGHWAY
ReturnHeader/Filer/USAddress/CityNm0ST JOSEPH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0645061548
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-09-25
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:22:34
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-09-25T10:22:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$27,255,293
Liabilities
$23,465,947
Net assets
$3,789,346
Revenue
$621,237
Expenses
$443,082
Net income
$178,155
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$30.1$24.6$5.54$1.04$0.70$0.34
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.7$26.5$5.20$0.95$0.71$0.24
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.9$26.9$4.96$0.76$0.64$0.12
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.2$28.4$4.84$0.69$0.54$0.15
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.7$28.0$4.69$0.67$0.48$0.19
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.2$25.7$4.50$0.71$0.47$0.24
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.6$23.3$4.25$0.78$0.50$0.27
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.3$23.3$3.98$0.71$0.52$0.19
2017Detailed filing. Detailed filing data is available for this year.$27.3$23.5$3.79$0.62$0.44$0.18
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.3$22.7$3.61$0.58$0.43$0.14
2015Detailed filing. Detailed filing data is available for this year.$25.3$21.8$3.47$0.53$0.42$0.11
2014Detailed filing. Detailed filing data is available for this year.$24.4$21.0$3.35$0.50$0.38$0.12
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.5$20.3$3.23$0.50$0.44$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.4$20.2$3.17$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.7$18.7$3.04$0.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.8$18.9$2.89$0.58