Civic Intelligence

Cooperative Credit Union

990 • Fiscal year 2013 • EIN 48-0577273

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

Organization ProfileWWW.COOPERATIVECU.COM

View Organization Page

PO Box 687Coffeyville, KS 67337

(620) 251-5290

Siviq Scores

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

Liabilities / Assets

30th percentile

0.83x

Higher debt load relative to assets than 30% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

58th percentile

21.48x

Higher debt load relative to revenue than 58% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

14th percentile

-8.5%

Higher net margin than 14% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

81st percentile

$93,341

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 11.9% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

6th percentile

-5.4%

Faster asset growth than 6% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M 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 / Assets30th percentile

Assets

Down

$20,212,039

Down $1,144,593 (-5.4%) from 2012

Net Assets

Down

$3,357,388

Down $66,858 (-2.0%) from 2012

Liabilities

Down

$16,854,651

Down $1,077,735 (-6.0%) from 2012

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin14th percentile

Revenue

$784,631

No earlier filing loaded for comparison.

Expenses

Up

$851,489

Up $9,126 (+1.1%) from 2012

Net Income

-$66,858

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$30M$20M$10M$0Assets 2010: $21,500,286Liabilities 2010: $18,073,389Net Assets 2010: $3,426,8972010Assets 2011: $21,447,225Liabilities 2011: $18,085,844Net Assets 2011: $3,361,3812011Assets 2012: $21,356,632Liabilities 2012: $17,932,386Net Assets 2012: $3,424,2462012Assets 2013: $20,212,039Liabilities 2013: $16,854,651Net Assets 2013: $3,357,3882013Assets 2014: $20,924,702Liabilities 2014: $17,833,825Net Assets 2014: $3,090,8772014Assets 2015: $20,155,678Liabilities 2015: $17,379,658Net Assets 2015: $2,776,0202015Assets 2016: $19,738,231Liabilities 2016: $17,070,549Net Assets 2016: $2,667,6822016Assets 2017: $18,733,018Liabilities 2017: $16,077,083Net Assets 2017: $2,655,9352017Assets 2018: $17,824,415Liabilities 2018: $15,636,067Net Assets 2018: $2,188,3482018Assets 2019: $17,887,623Liabilities 2019: $15,335,885Net Assets 2019: $2,551,7382019Assets 2020: $19,755,728Liabilities 2020: $17,171,530Net Assets 2020: $2,584,1982020Assets 2021: $21,455,261Liabilities 2021: $18,859,453Net Assets 2021: $2,595,8082021Assets 2022: $22,035,931Liabilities 2022: $19,431,518Net Assets 2022: $2,604,4132022Assets 2023: $22,372,982Liabilities 2023: $19,720,292Net Assets 2023: $2,652,6902023Assets 2024: $21,578,013Liabilities 2024: $18,855,520Net Assets 2024: $2,722,4932024

Highlighted filing

2013

Assets$20,212,039
Liabilities$16,854,651
Net Assets$3,357,388
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0MExpenses 2010: $1,093,4442010Expenses 2011: $1,092,5302011Expenses 2012: $842,3632012Revenue 2013: $784,631Expenses 2013: $851,489Net Income 2013: -$66,8582013Revenue 2014: $638,627Expenses 2014: $886,845Net Income 2014: -$248,2182014Revenue 2015: $773,662Expenses 2015: $1,121,959Net Income 2015: -$348,2972015Revenue 2016: $1,007,482Expenses 2016: $1,109,716Net Income 2016: -$102,2342016Revenue 2017: $1,278,483Expenses 2017: $1,290,230Net Income 2017: -$11,7472017Revenue 2018: $1,300,149Expenses 2018: $1,767,736Net Income 2018: -$467,5872018Revenue 2019: $1,099,994Expenses 2019: $748,298Net Income 2019: $351,6962019Revenue 2020: $866,989Expenses 2020: $831,991Net Income 2020: $34,9982020Revenue 2021: $755,183Expenses 2021: $743,573Net Income 2021: $11,6102021Revenue 2022: $893,235Expenses 2022: $884,630Net Income 2022: $8,6052022Revenue 2023: $969,093Expenses 2023: $920,816Net Income 2023: $48,2772023Revenue 2024: $1,115,685Expenses 2024: $1,045,882Net Income 2024: $69,8032024

Highlighted filing

2013

Revenue$784,631
Expenses$851,489
Net Income-$66,858
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
$784,631
Mission and Program Overview

Mission

To be the financial service leader in our community and membership area

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$12,028,387$10,480,322▼ $1,548,065
Savings and Temporary Cash Investments$7,716,540$8,318,698▲ $602,158
Rtn Earn Endowment Incm Other Fnds$3,424,246$3,357,388▼ $66,858
Cash and Non-Interest-Bearing Accounts$1,006,441$800,054▼ $206,387
Land, Buildings, and Equipment, Net$329,540$320,001▼ $9,539
Prepaid Expenses and Deferred Charges$39,893$58,316▲ $18,423
Accounts Receivable$59$20▼ $39
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$21,356,632$20,212,039▼ $1,144,593
Other Assets Total$235,772$234,628▼ $1,144
Liabilities
Other Liabilities$17,865,845$16,787,558▼ $1,078,287
Accounts Payable and Accrued Expenses$52,222$38,874▼ $13,348
Escrow Account Liability$14,319$28,219▲ $13,900
Total Liabilities$17,932,386$16,854,651▼ $1,077,735
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,424,246$3,357,388▼ $66,858
Total Liabilities and Net Assets / Fund Balance$21,356,632$20,212,039▼ $1,144,593

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$174,287$83,189$257,476
Equipment$44,874$141,119$185,993
Land$100,840-$100,840
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David ColbyCEOFT$79,741$13,600$93,341

Board Members and Trustees

NameTitle
Clyde KastlerChairman
Betty NellisVice Chairman
Alene MorrisonDirector
Jay ShearhartDirector
M Louise FurnasDirector
Robert MartinDirector
Lyle MartinSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$728,620
Investment Income
$56,011
Other Revenue
$0
Change in Net Assets
$-66,858
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$594,378
Salaries, Compensation, and Employee Benefits$246,987
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$119,351
Fees for Services Other---$116,254
Current Officers, Directors, Trustees, and Key Employees---$93,341
Office Expenses---$91,360
Information Technology---$72,633
Advertising---$31,992
Occupancy---$28,944
Depreciation Depletion---$24,306
Insurance---$19,777
Other Employee Benefits---$18,347
Fees for Services Accounting---$17,258
Payroll Taxes---$15,948
Other Expenses---$14,570
Benefits to Members---$10,124
Conferences and Meetings---$2,406
All Other Expenses---$1,631
Total Functional Expenses$0$0$0$851,489
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$16,787,558
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 2

“Robert martin, director and lyle martin, secretary/treasurer are father and son.”

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 ceo reviews the form 990 before filing.”

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

“On an annual basis, officers, directors, and key employees 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.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves the ceo's compensation. All other employees' compensation is determined by the ceo and is included in the budget presented to the board for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted 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

EIN
48-0577273
Phone
6202515290

Signing Officer

Name
David Colby
Title
CEO
Phone
6202515290
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Colby
Formed
1937
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
13

Preparer

Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“Computer & atm expense 69,780. Other professional & outside services 46,474.”

Financial Statement Notes

Part IV, Line 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to several member real estate loans.”

Raw XML Appendix354 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/BOYAmt052222
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt038874
IRS990/AccountsReceivableGrp/BOYAmt059
IRS990/AccountsReceivableGrp/EOYAmt020
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt031992
IRS990/AllOtherExpensesGrp/TotalAmt01631
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt010124
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10DAVID COLBY
IRS990/BooksInCareOfDetail/PhoneNum06202515290
IRS990/BooksInCareOfDetail/USAddress/AddressLine10313 WEST NINTH STREET
IRS990/BooksInCareOfDetail/USAddress/City0COFFEYVILLE
IRS990/BooksInCareOfDetail/USAddress/State0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCode067337
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01006441
IRS990/CashNonInterestBearingGrp/EOYAmt0800054
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt093341
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt02406
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt010124
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt056011
IRS990/CYOtherExpensesAmt0594378
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0728620
IRS990/CYRevenuesLessExpensesAmt0-66858
IRS990/CYSalariesCompEmpBnftPaidAmt0246987
IRS990/CYTotalExpensesAmt0851489
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0784631
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt024306
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 3,767 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt014319
IRS990/EscrowAccountLiabilityGrp/EOYAmt028219
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt017258
IRS990/FeesForServicesOtherGrp/TotalAmt0116254
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/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt713600
IRS990/Form990PartVIISectionAGrp/PersonNm0CLYDE KASTLER
IRS990/Form990PartVIISectionAGrp/PersonNm1BETTY NELLIS
IRS990/Form990PartVIISectionAGrp/PersonNm2LYLE MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm3JAY SHEARHART
IRS990/Form990PartVIISectionAGrp/PersonNm4ALENE MORRISON
IRS990/Form990PartVIISectionAGrp/PersonNm5M LOUISE FURNAS
IRS990/Form990PartVIISectionAGrp/PersonNm6ROBERT MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID COLBY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt779741
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01937
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0784631
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt072633
IRS990/InsuranceGrp/TotalAmt019777
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt056011
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt056011
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0520
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0224308
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0329540
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0320001
IRS990/LandBldgEquipCostOrOtherBssAmt0544309
IRS990/LegalDomicileStateCd0KS
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03424246
IRS990/NetAssetsOrFundBalancesEOYAmt03357388
IRS990/NetUnrelatedBusTxblIncmAmt0-3549
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt028944
IRS990/OfficeExpensesGrp/TotalAmt091360
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0235772
IRS990/OtherAssetsTotalGrp/EOYAmt0234628
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt018347
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3NCUSIF ASSESSMENTS
IRS990/OtherExpensesGrp/TotalAmt080785
IRS990/OtherExpensesGrp/TotalAmt155747
IRS990/OtherExpensesGrp/TotalAmt236715
IRS990/OtherExpensesGrp/TotalAmt314570
IRS990/OtherLiabilitiesGrp/BOYAmt017865845
IRS990/OtherLiabilitiesGrp/EOYAmt016787558
IRS990/OtherSalariesAndWagesGrp/TotalAmt0119351
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012028387
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt010480322
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt015948
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt039893
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt058316
IRS990/PrincipalOfficerNm0DAVID COLBY
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0609086
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1111946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0609086
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1111946
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt27588
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt07588
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 1,138 LOANS OUTSTANDING TOTALING $10,595,540.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $80,785 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0-1247
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt051716
IRS990/PYOtherExpensesAmt0547787
IRS990/PYOtherRevenueAmt03272
IRS990/PYProgramServiceRevenueAmt0850240
IRS990/PYRevenuesLessExpensesAmt062865
IRS990/PYSalariesCompEmpBnftPaidAmt0295823
IRS990/PYTotalExpensesAmt0842363
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0905228
IRS990/ReconcilationRevenueExpnssAmt0-66858
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03424246
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03357388
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07716540
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08318698
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0174287
IRS990ScheduleD/BuildingsGrp/DepreciationAmt083189
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0257476
IRS990ScheduleD/EquipmentGrp/BookValueAmt044874
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0141119
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0185993
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0100840
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100840
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt016787558
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SEVERAL MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0320001
IRS990ScheduleD/TotalLiabilityAmt016787558
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ROBERT MARTIN, DIRECTOR AND LYLE MARTIN, SECRETARY/TREASURER ARE FATHER AND SON.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT 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/ExplanationTxt4THE CEO REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, OFFICERS, DIRECTORS, AND KEY EMPLOYEES 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE CEO'S COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE CEO AND IS INCLUDED IN THE BUDGET PRESENTED TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED 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/ExplanationTxt8COMPUTER & ATM EXPENSE 69,780. OTHER PROFESSIONAL & OUTSIDE SERVICES 46,474.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
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 11
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt021356632
IRS990/TotalAssetsEOYAmt020212039
IRS990/TotalAssetsGrp/BOYAmt021356632
IRS990/TotalAssetsGrp/EOYAmt020212039
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0851489
IRS990/TotalGrossUBIAmt07588
IRS990/TotalLiabilitiesBOYAmt017932386
IRS990/TotalLiabilitiesEOYAmt016854651
IRS990/TotalLiabilitiesGrp/BOYAmt017932386
IRS990/TotalLiabilitiesGrp/EOYAmt016854651
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03424246
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03357388
IRS990/TotalOtherCompensationAmt013600
IRS990/TotalProgramServiceRevenueAmt0728620
IRS990/TotalReportableCompFromOrgAmt079741
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0777043
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0784631
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07588
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021356632
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt020212039
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO BOX 687
IRS990/USAddress/City0COFFEYVILLE
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode067337
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.COOPERATIVECU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID COLBY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06202515290
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10COOPERATIVE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COOP
ReturnHeader/Filer/EIN0480577273
ReturnHeader/Filer/PhoneNum06202515290
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 687
ReturnHeader/Filer/USAddress/City0COFFEYVILLE
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode067337
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/ReturnTs02014-11-17T12:51:45-06:00
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
$20,212,039
Liabilities
$16,854,651
Net assets
$3,357,388
Revenue
$784,631
Expenses
$851,489
Net income
-$66,858
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$18.9$2.72$1.12$1.05$0.07
2023Detailed filing. Detailed filing data is available for this year.$22.4$19.7$2.65$0.97$0.92$0.05
2022Detailed filing. Detailed filing data is available for this year.$22.0$19.4$2.60$0.89$0.88$0.01
2021Detailed filing. Detailed filing data is available for this year.$21.5$18.9$2.60$0.76$0.74$0.01
2020Detailed filing. Detailed filing data is available for this year.$19.8$17.2$2.58$0.87$0.83$0.03
2019Detailed filing. Detailed filing data is available for this year.$17.9$15.3$2.55$1.10$0.75$0.35
2018Detailed filing. Detailed filing data is available for this year.$17.8$15.6$2.19$1.30$1.77$0.47
2017Detailed filing. Detailed filing data is available for this year.$18.7$16.1$2.66$1.28$1.29$0.01
2016Detailed filing. Detailed filing data is available for this year.$19.7$17.1$2.67$1.01$1.11$0.10
2015Detailed filing. Detailed filing data is available for this year.$20.2$17.4$2.78$0.77$1.12$0.35
2014Detailed filing. Detailed filing data is available for this year.$20.9$17.8$3.09$0.64$0.89$0.25
2013Detailed filing. Detailed filing data is available for this year.$20.2$16.9$3.36$0.78$0.85$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$17.9$3.42$0.84
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.4$18.1$3.36$1.09
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.5$18.1$3.43$1.09