Civic Intelligence

Unknown Organization

990 • Fiscal year 2013 • EIN 48-0550034

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileWWW.VACREDITUNION.ORG

View Organization Page

804 S Oliver67218

(316) 687-9809

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

34th percentile

16.00x

Higher debt load relative to revenue than 34% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

14th percentile

-21%

Higher net margin than 14% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

71st percentile

3.9%

Faster asset growth than 71% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$5,215,387

Up $194,603 (+3.9%) from 2012

Net Assets

Down

$360,749

Down $62,515 (-15%) from 2012

Liabilities

Up

$4,854,638

Up $257,118 (+5.6%) from 2012

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin14th percentile

Revenue

$303,355

No earlier filing loaded for comparison.

Expenses

Up

$365,870

Up $10,522 (+3.0%) from 2012

Net Income

-$62,515

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth71st percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $5,913,118Liabilities 2010: $5,417,290Net Assets 2010: $495,8282010Assets 2011: $5,145,530Liabilities 2011: $4,679,554Net Assets 2011: $465,9762011Assets 2012: $5,020,784Liabilities 2012: $4,597,520Net Assets 2012: $423,2642012Assets 2013: $5,215,387Liabilities 2013: $4,854,638Net Assets 2013: $360,7492013Assets 2014: $0Liabilities 2014: $0Net Assets 2014: $02014

Highlighted filing

2013

Assets$5,215,387
Liabilities$4,854,638
Net Assets$360,749
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2010: $365,3062010Expenses 2011: $368,9962011Expenses 2012: $355,3482012Revenue 2013: $303,355Expenses 2013: $365,870Net Income 2013: -$62,5152013Revenue 2014: $297,360Expenses 2014: $324,622Net Income 2014: -$27,2622014

Highlighted filing

2013

Revenue$303,355
Expenses$365,870
Net Income-$62,515
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.0
Gross Receipts
$303,355
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
Other Notes and Loans Receivable, Net$3,697,145$4,439,029▲ $741,884
Rtn Earn Endowment Incm Other Fnds$423,264$360,749▼ $62,515
Savings and Temporary Cash Investments$330,997$310,570▼ $20,427
Land, Buildings, and Equipment, Net$185,054$173,824▼ $11,230
Cash and Non-Interest-Bearing Accounts$680,474$162,869▼ $517,605
Prepaid Expenses and Deferred Charges$11,529$10,698▼ $831
Accounts Receivable$1,387$2,159▲ $772
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,020,784$5,215,387▲ $194,603
Other Assets Total$114,198$116,238▲ $2,040
Liabilities
Other Liabilities$4,541,033$4,734,628▲ $193,595
Accounts Payable and Accrued Expenses$56,487$120,010▲ $63,523
Total Liabilities$4,597,520$4,854,638▲ $257,118
Net Assets / Fund Balance
Total Net Assets Fund Balance$423,264$360,749▼ $62,515
Total Liabilities and Net Assets / Fund Balance$5,020,784$5,215,387▲ $194,603

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$127,414$23,320$150,734
Equipment$21,297$56,336$77,633
Land$25,113-$25,113
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl Sunny NichelsonPresident/CEOFT$63,008$630$63,638

Board Members and Trustees

NameTitle
Marion GividenChairman
Debra FleetVice Chairman
Heather BrownDirector
Jeannette BurtonDirector
Michael GoodwinDirector
Sharron WahlDirector
Nicholas BachSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$296,740
Investment Income
$1,734
Other Revenue
$4,881
Change in Net Assets
$-62,515
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$199,269
Other Expenses$166,601
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$90,201
Current Officers, Directors, Trustees, and Key Employees---$63,638
Office Expenses---$61,584
Other Employee Benefits---$28,673
Information Technology---$23,838
Payroll Taxes---$12,950
Depreciation Depletion---$12,021
Fees for Services Other---$10,540
Insurance---$9,153
Occupancy---$8,653
Fees for Services Accounting---$7,063
Pension Plan Contributions---$3,807
Other Expenses---$3,690
Fees for Services Legal---$3,464
Interest---$983
Advertising---$480
Conferences and Meetings---$461
All Other Expenses---$428
Total Functional Expenses$0$0$0$365,870
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$4,672,892
457(b) Retirement Plan$61,736
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
No
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
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 the 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 11

“The form 990 is prepared by an outside accounting firm based on data provided by the credit union. The president/ceo reviews the return before filing and makes it available for board members upon request.”

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

“Directors and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The board of directors did not authorize any wage increases for 2013.”

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

EIN
48-0550034
Phone
3166879809

Signing Officer

Name
Cheryl Sunny Nichelson
Title
President/CEO
Phone
3166879809
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Sunny Nichelson
Formed
1935
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
13

Preparer

Phone
9138946214
Raw XML Appendix344 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/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
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IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0423264
IRS990/NetAssetsOrFundBalancesEOYAmt0360749
IRS990/NetUnrelatedBusTxblIncmAmt0-23723
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt08653
IRS990/OfficeExpensesGrp/TotalAmt061584
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IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
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IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc3NCUSIF ASSESSMENTS
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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, 2013, THERE WERE 500 LOANS OUTSTANDING TOTALING $4,492,417.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $9,610 FOR THE YEAR.
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IRS990ScheduleD/EquipmentGrp/BookValueAmt021297
IRS990ScheduleD/EquipmentGrp/DepreciationAmt056336
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt077633
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt025113
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04672892
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt161736
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1457(B) RETIREMENT PLAN
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0173824
IRS990ScheduleD/TotalLiabilityAmt04734628
IRS990/ScheduleJRequiredInd00
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 MERGERS AND CHANGES TO THE 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 PREPARED BY AN OUTSIDE ACCOUNTING FIRM BASED ON DATA PROVIDED BY THE CREDIT UNION. THE PRESIDENT/CEO REVIEWS THE RETURN BEFORE FILING AND MAKES IT AVAILABLE FOR BOARD MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DIRECTORS AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS DID NOT AUTHORIZE ANY WAGE INCREASES FOR 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL 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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt05020784
IRS990/TotalAssetsEOYAmt05215387
IRS990/TotalAssetsGrp/BOYAmt05020784
IRS990/TotalAssetsGrp/EOYAmt05215387
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0365870
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04597520
IRS990/TotalLiabilitiesEOYAmt04854638
IRS990/TotalLiabilitiesGrp/BOYAmt04597520
IRS990/TotalLiabilitiesGrp/EOYAmt04854638
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0423264
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0360749
IRS990/TotalOtherCompensationAmt0630
IRS990/TotalProgramServiceRevenueAmt0296740
IRS990/TotalReportableCompFromOrgAmt063008
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0303355
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0303355
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05020784
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05215387
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10804 S OLIVER
IRS990/USAddress/City0WITCHITA
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode067218
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.VACREDITUNION.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL SUNNY NICHELSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03166879809
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10VETERANS ADMINISTRATION CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VETE
ReturnHeader/Filer/EIN0480550034
ReturnHeader/Filer/PhoneNum03166879809
ReturnHeader/Filer/USAddress/AddressLine10804 S OLIVER
ReturnHeader/Filer/USAddress/City0WICHITA
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode067218
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-11-17T15:11:03-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$5,215,387
Liabilities
$4,854,638
Net assets
$360,749
Revenue
$303,355
Expenses
$365,870
Net income
-$62,515
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.30$0.32$0.03
2013Detailed filing. Detailed filing data is available for this year.$5.22$4.85$0.36$0.30$0.37$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.02$4.60$0.42$0.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.15$4.68$0.47$0.37
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.91$5.42$0.50$0.37