Civic Intelligence

Morton Credit Union

990 • Fiscal year 2017 • EIN 48-0544200

Jan 01, 2017 to Dec 31, 2017 • Filed on Feb 06, 2018

Organization ProfileWWW.MORTONCU.COM
121 Morton DrSouth Hutchinson, KS 67505

(620) 665-6792

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.85x

Higher debt load relative to assets than 63% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

21st percentile

11.14x

Higher debt load relative to revenue than 21% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

82nd percentile

15%

Higher net margin than 82% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

59th percentile

$35,500

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 11.3% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

78th percentile

5.2%

Faster asset growth than 78% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

95th percentile

15%

Faster revenue growth than 95% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$4,095,492

Up $202,968 (+5.2%) from 2016

Net Assets

Up

$595,254

Up $46,140 (+8.4%) from 2016

Liabilities

Up

$3,500,238

Up $156,828 (+4.7%) from 2016

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin82nd percentile

Revenue

Up

$314,181

Up $42,153 (+15%) from 2016

Expenses

Up

$268,041

Up $47,723 (+22%) from 2016

Net Income

Down

$46,140

Down $5,570 (-11%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $3,295,972Liabilities 2010: $2,739,570Net Assets 2010: $556,4022010Assets 2011: $3,325,350Liabilities 2011: $2,804,299Net Assets 2011: $521,0512011Assets 2012: $3,536,074Liabilities 2012: $3,003,424Net Assets 2012: $532,6502012Assets 2013: $3,601,782Liabilities 2013: $3,080,423Net Assets 2013: $521,3592013Assets 2014: $4,095,106Liabilities 2014: $3,593,205Net Assets 2014: $501,9012014Assets 2015: $3,819,751Liabilities 2015: $3,322,347Net Assets 2015: $497,4042015Assets 2016: $3,892,524Liabilities 2016: $3,343,410Net Assets 2016: $549,1142016Assets 2017: $4,095,492Liabilities 2017: $3,500,238Net Assets 2017: $595,2542017Assets 2018: $4,339,772Liabilities 2018: $3,740,713Net Assets 2018: $599,0592018Assets 2019: $4,333,082Liabilities 2019: $3,673,224Net Assets 2019: $659,8582019Assets 2020: $4,945,549Liabilities 2020: $4,292,805Net Assets 2020: $652,7442020Assets 2021: $5,476,622Liabilities 2021: $4,839,944Net Assets 2021: $636,6782021Assets 2022: $5,482,648Liabilities 2022: $4,864,954Net Assets 2022: $617,6942022Assets 2023: $5,395,770Liabilities 2023: $4,736,952Net Assets 2023: $658,8182023Assets 2024: $5,244,535Liabilities 2024: $4,535,730Net Assets 2024: $708,8052024Assets 2025: $5,265,414Liabilities 2025: $4,527,665Net Assets 2025: $737,7492025

Highlighted filing

2017

Assets$4,095,492
Liabilities$3,500,238
Net Assets$595,254
Open 2017 Filing

Operations Trend

Revenue Growth95th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $244,1222010Expenses 2011: $253,1262011Expenses 2012: $232,1252012Revenue 2013: $222,451Expenses 2013: $233,742Net Income 2013: -$11,2912013Revenue 2014: $235,802Expenses 2014: $255,009Net Income 2014: -$19,2072014Revenue 2015: $229,945Expenses 2015: $234,442Net Income 2015: -$4,4972015Revenue 2016: $272,028Expenses 2016: $220,318Net Income 2016: $51,7102016Revenue 2017: $314,181Expenses 2017: $268,041Net Income 2017: $46,1402017Revenue 2018: $358,702Expenses 2018: $354,897Net Income 2018: $3,8052018Revenue 2019: $383,959Expenses 2019: $323,160Net Income 2019: $60,7992019Revenue 2020: $351,299Expenses 2020: $358,413Net Income 2020: -$7,1142020Revenue 2021: $284,257Expenses 2021: $300,323Net Income 2021: -$16,0662021Revenue 2022: $283,166Expenses 2022: $302,150Net Income 2022: -$18,9842022Revenue 2023: $387,242Expenses 2023: $346,118Net Income 2023: $41,1242023Revenue 2024: $402,375Expenses 2024: $352,388Net Income 2024: $49,9872024Revenue 2025: $425,348Expenses 2025: $396,404Net Income 2025: $28,9442025

Highlighted filing

2017

Revenue$314,181
Expenses$268,041
Net Income$46,140
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Feb 6, 2018
Return Version
2017v2.0
Gross Receipts
$314,181
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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,341,703$2,870,613▲ $528,910
Savings and Temporary Cash Investments$1,326,581$1,064,964▼ $261,617
Rtn Earn Endowment Incm Other Fnds$549,114$595,254▲ $46,140
Cash and Non-Interest-Bearing Accounts$112,499$145,804▲ $33,305
Receivable From Disqualified Prsn$61,413--
Land, Buildings, and Equipment, Net$13,717$11,908▼ $1,809
Prepaid Expenses and Deferred Charges$36,611$2,203▼ $34,408
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,892,524$4,095,492▲ $202,968
Liabilities
Other Liabilities$3,335,304$3,482,065▲ $146,761
Accounts Payable and Accrued Expenses$8,106$18,173▲ $10,067
Total Liabilities$3,343,410$3,500,238▲ $156,828
Net Assets / Fund Balance
Total Net Assets Fund Balance$549,114$595,254▲ $46,140
Total Liabilities and Net Assets / Fund Balance$3,892,524$4,095,492▲ $202,968

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,908$42,092$54,000
Equipment$0$26,865$26,865
Other Land Buildings$0$15,910$15,910
Land$0-$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Christie GardnerManagerFT$35,500$35,500

Board Members and Trustees

NameTitle
Linda RichardsonChairperson
Tom GisickBoard Member
David DanewitzDirector
Gary StiebenDirector
Tammy FletchallDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$304,428
Investment Income
$9,753
Other Revenue
$0
Change in Net Assets
$46,140
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$172,130
Salaries, Compensation, and Employee Benefits$95,911
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$88,842
Current Officers, Directors, Trustees, and Key Employees---$86,969
Information Technology---$26,867
All Other Expenses---$10,509
Payroll Taxes---$7,905
Occupancy---$7,359
Other Expenses---$5,869
Advertising---$2,399
Fees for Services Accounting---$2,350
Other Employee Benefits---$1,037
Travel---$935
Conferences and Meetings---$400
Total Functional Expenses$0$0$0$268,041
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$61,413--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$3,482,065
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The board of directors delegates day to day management to the manager”

Form 990, Part VI, Section A, Line 6

“The credit union is owned by its members”

Form 990, Part VI, Section A, Line 7A

“The credit union membership elects the board of directors”

Form 990, Part VI, Section A, Line 7B

“Certain decisions such as mergers and change of bylaws must be approved by the entire membership, no such items have taken place in 2017”

Form 990, Part VI, Section B, Line 11B

“SUBJECT TO BOARD REVIEW”

Form 990, Part VI, Section B, Line 12C

“Annually at board meeting”

Form 990, Part VI, Section B, Line 15

“The board of directors sets the salary of the manager”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the lobby, presented at the annual meeting and are available up on request. In addition, the ncua website posts financial information as part of the quarterly call report. Other documents and policies and procedures are available upon request”

Filing and Contact Details

Filer

Filer Name
Morton Credit Union
EIN
48-0544200
Phone
6206656792
Address
121 MORTON DR, SOUTH HUTCHINSON, KS 67505

Signing Officer

Name
Christie Gardner
Title
Manager
Phone
6206656792
Signed
2018-02-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christie Gardner
Formed
1941
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
5

Preparer

Firm
Consultants Unlimted
Address
600 Plum Creek Dr, Gardner, KS 66030
Preparer
Marci Frazier
Phone
9134840381
Raw XML Appendix372 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 446 LOANS OUTSTANDING TOTALING 2,879,317
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IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt026865
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt015910
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt015910
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03482065
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011908
IRS990ScheduleD/TotalLiabilityAmt03482065
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS DELEGATES DAY TO DAY MANAGEMENT TO THE MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY ITS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERSHIP ELECTS THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN DECISIONS SUCH AS MERGERS AND CHANGE OF BYLAWS MUST BE APPROVED BY THE ENTIRE MEMBERSHIP, NO SUCH ITEMS HAVE TAKEN PLACE IN 2017
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SUBJECT TO BOARD REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUALLY AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS SETS THE SALARY OF THE MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UP ON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORT. OTHER DOCUMENTS AND POLICIES AND PROCEDURES ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt03892524
IRS990/TotalAssetsEOYAmt04095492
IRS990/TotalAssetsGrp/BOYAmt03892524
IRS990/TotalAssetsGrp/EOYAmt04095492
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0268041
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03343410
IRS990/TotalLiabilitiesEOYAmt03500238
IRS990/TotalLiabilitiesGrp/BOYAmt03343410
IRS990/TotalLiabilitiesGrp/EOYAmt03500238
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0549114
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0595254
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0304428
IRS990/TotalReportableCompFromOrgAmt035500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0314181
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0314181
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03892524
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04095492
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0935
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0121 MORTON DR
IRS990/USAddress/CityNm0SOUTH HUTCHINSON
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067505
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.MORTONCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Christie Gardner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06206656792
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-02-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MORTON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MORT
ReturnHeader/Filer/EIN0480544200
ReturnHeader/Filer/PhoneNum06206656792
ReturnHeader/Filer/USAddress/AddressLine1Txt0121 MORTON DR
ReturnHeader/Filer/USAddress/CityNm0SOUTH HUTCHINSON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067505
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt070.94.108.224
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0822178374
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Consultants Unlimted
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0600 Plum Creek Dr
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Gardner
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066030
ReturnHeader/PreparerPersonGrp/PhoneNum09134840381
ReturnHeader/PreparerPersonGrp/PreparationDt02018-02-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Marci Frazier
ReturnHeader/ReturnTs02018-02-05T18:55:59-07:00
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
$4,095,492
Liabilities
$3,500,238
Net assets
$595,254
Revenue
$314,181
Expenses
$268,041
Net income
$46,140
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.27$4.53$0.74$0.43$0.40$0.03
2024Detailed filing. Detailed filing data is available for this year.$5.24$4.54$0.71$0.40$0.35$0.05
2023Detailed filing. Detailed filing data is available for this year.$5.40$4.74$0.66$0.39$0.35$0.04
2022Detailed filing. Detailed filing data is available for this year.$5.48$4.86$0.62$0.28$0.30$0.02
2021Detailed filing. Detailed filing data is available for this year.$5.48$4.84$0.64$0.28$0.30$0.02
2020Detailed filing. Detailed filing data is available for this year.$4.95$4.29$0.65$0.35$0.36$0.01
2019Detailed filing. Detailed filing data is available for this year.$4.33$3.67$0.66$0.38$0.32$0.06
2018Detailed filing. Detailed filing data is available for this year.$4.34$3.74$0.60$0.36$0.35$0.00
2017Detailed filing. Detailed filing data is available for this year.$4.10$3.50$0.60$0.31$0.27$0.05
2016Detailed filing. Detailed filing data is available for this year.$3.89$3.34$0.55$0.27$0.22$0.05
2015Detailed filing. Detailed filing data is available for this year.$3.82$3.32$0.50$0.23$0.23$0.00
2014Detailed filing. Detailed filing data is available for this year.$4.10$3.59$0.50$0.24$0.26$0.02
2013Detailed filing. Detailed filing data is available for this year.$3.60$3.08$0.52$0.22$0.23$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.54$3.00$0.53$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.33$2.80$0.52$0.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.30$2.74$0.56$0.24