Civic Intelligence

Kumc Credit Union

990 • Fiscal year 2013 • EIN 48-0595332

Jan 01, 2013 to Dec 31, 2013 • Filed on Jul 22, 2014

Organization ProfileWWW.KUMCCU.ORG

View Organization Page

3901 Rainbow BlvdShawnee, KS 66160

(913) 962-8146

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

89th percentile

29.06x

Higher debt load relative to revenue than 89% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

14th percentile

-4.3%

Higher net margin than 14% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

50th percentile

$96,127

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 12.1% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

13th percentile

-3.6%

Faster asset growth than 13% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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 / Assets76th percentile

Assets

Down

$25,531,994

Down $966,762 (-3.6%) from 2012

Net Assets

Down

$2,360,508

Down $34,274 (-1.4%) from 2012

Liabilities

Down

$23,171,486

Down $932,488 (-3.9%) from 2012

Revenue And Expenses
Liabilities / Revenue89th percentileNet Margin14th percentile

Revenue

$797,251

No earlier filing loaded for comparison.

Expenses

Down

$831,525

Down $68,702 (-7.6%) from 2012

Net Income

-$34,274

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth13th percentile

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

$40M$30M$20M$10M$0Assets 2010: $22,817,256Liabilities 2010: $20,448,804Net Assets 2010: $2,368,4522010Assets 2011: $24,555,062Liabilities 2011: $22,155,101Net Assets 2011: $2,399,9612011Assets 2012: $26,498,756Liabilities 2012: $24,103,974Net Assets 2012: $2,394,7822012Assets 2013: $25,531,994Liabilities 2013: $23,171,486Net Assets 2013: $2,360,5082013Assets 2014: $25,057,413Liabilities 2014: $22,656,303Net Assets 2014: $2,401,1102014Assets 2015: $27,337,415Liabilities 2015: $24,906,244Net Assets 2015: $2,431,1712015Assets 2016: $28,357,010Liabilities 2016: $25,916,321Net Assets 2016: $2,440,6892016Assets 2017: $27,683,976Liabilities 2017: $25,121,419Net Assets 2017: $2,562,5572017Assets 2018: $27,404,757Liabilities 2018: $24,734,884Net Assets 2018: $2,669,8732018Assets 2019: $27,538,686Liabilities 2019: $24,809,029Net Assets 2019: $2,729,6572019Assets 2020: $30,547,754Liabilities 2020: $27,902,684Net Assets 2020: $2,645,0702020Assets 2021: $32,676,873Liabilities 2021: $30,004,957Net Assets 2021: $2,671,9162021Assets 2022: $30,253,496Liabilities 2022: $27,531,989Net Assets 2022: $2,721,5072022Assets 2023: $28,634,385Liabilities 2023: $25,668,202Net Assets 2023: $2,966,1832023Assets 2024: $27,751,668Liabilities 2024: $24,303,557Net Assets 2024: $3,448,1112024Assets 2025: $29,752,846Liabilities 2025: $25,710,177Net Assets 2025: $4,042,6692025

Highlighted filing

2013

Assets$25,531,994
Liabilities$23,171,486
Net Assets$2,360,508
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,042,3972010Expenses 2011: $970,2202011Expenses 2012: $900,2272012Revenue 2013: $797,251Expenses 2013: $831,525Net Income 2013: -$34,2742013Revenue 2014: $771,764Expenses 2014: $731,162Net Income 2014: $40,6022014Revenue 2015: $799,631Expenses 2015: $769,570Net Income 2015: $30,0612015Revenue 2016: $851,109Expenses 2016: $841,591Net Income 2016: $9,5182016Revenue 2017: $1,031,345Expenses 2017: $909,477Net Income 2017: $121,8682017Revenue 2018: $1,051,639Expenses 2018: $944,323Net Income 2018: $107,3162018Revenue 2019: $1,076,004Expenses 2019: $1,016,220Net Income 2019: $59,7842019Revenue 2020: $932,946Expenses 2020: $1,017,533Net Income 2020: -$84,5872020Revenue 2021: $861,114Expenses 2021: $834,268Net Income 2021: $26,8462021Revenue 2022: $909,934Expenses 2022: $860,343Net Income 2022: $49,5912022Revenue 2023: $1,225,785Expenses 2023: $971,109Net Income 2023: $254,6762023Revenue 2024: $1,651,819Expenses 2024: $1,169,891Net Income 2024: $481,9282024Revenue 2025: $1,717,829Expenses 2025: $1,123,271Net Income 2025: $594,5582025

Highlighted filing

2013

Revenue$797,251
Expenses$831,525
Net Income-$34,274
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 22, 2014
Return Version
2013v3.0
Gross Receipts
$797,251
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$18,269,339$17,281,433▼ $987,906
Other Notes and Loans Receivable, Net$7,417,374$7,574,996▲ $157,622
Rtn Earn Endowment Incm Other Fnds$2,394,782$2,360,508▼ $34,274
Cash and Non-Interest-Bearing Accounts$308,178$229,858▼ $78,320
Land, Buildings, and Equipment, Net$153,912$139,406▼ $14,506
Prepaid Expenses and Deferred Charges$63,683--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$26,498,756$25,531,994▼ $966,762
Other Assets Total$286,270$306,301▲ $20,031
Liabilities
Other Liabilities$24,041,625$23,124,636▼ $916,989
Accounts Payable and Accrued Expenses$62,349$46,850▼ $15,499
Total Liabilities$24,103,974$23,171,486▼ $932,488
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,394,782$2,360,508▼ $34,274
Total Liabilities and Net Assets / Fund Balance$26,498,756$25,531,994▼ $966,762

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$94,888$209,138$304,026
Leasehold Improvements$44,518$88,438$132,956
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert E BurtonGeneral ManagerFT$77,193$18,934$96,127

Board Members and Trustees

NameTitle
Don RauChairman
Rick JohnsonVice Chairman
Kevin GrowneyDirector-publicity & Education
Debra BrogdenSecretary
Mary Jo WilliamsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$626,344
Investment Income
$165,017
Other Revenue
$5,890
Change in Net Assets
$-34,274
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$483,101
Other Expenses$348,424
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$287,436
Current Officers, Directors, Trustees, and Key Employees---$96,127
Office Expenses---$48,050
Other Employee Benefits---$42,932
All Other Expenses---$40,374
Depreciation Depletion---$33,554
Payroll Taxes---$29,870
Occupancy---$28,570
Pension Plan Contributions---$26,736
Insurance---$19,299
Information Technology---$17,315
Fees for Services Accounting---$16,568
Other Expenses---$14,530
Fees for Services Other---$13,952
Fees for Service Investment Mgmnt Fees---$6,166
Advertising---$2,998
Fees for Services Legal---$1,182
Conferences and Meetings---$800
Interest---$15
Total Functional Expenses$0$0$0$831,525
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$23,124,636
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
Yes
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 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. Upon completion, it is reviewed and approved by credit union management and the board of directors.”

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

“On an annual basis, officers and directors 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 reviews the performance of the general manager and the assistant manager and determines their compensation. All other employees' compensation is determined by the general manager and is presented as part of the budget package to the board of directors 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 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
48-0595332
Phone
9139628146

Signing Officer

Name
Robert E Burton
Title
General Manager
Phone
9139628146
Signed
2014-07-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert E Burton
Formed
1954
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
11
Volunteers
13

Preparer

Phone
9138946214
Raw XML Appendix332 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/PersonNm3MARY JO WILLIAMS
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
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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 973 LOANS OUTSTANDING TOTALING $7,648,493.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0139406
IRS990ScheduleD/TotalLiabilityAmt023124636
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 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. UPON COMPLETION, IT IS REVIEWED AND APPROVED BY CREDIT UNION MANAGEMENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, OFFICERS AND DIRECTORS 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 REVIEWS THE PERFORMANCE OF THE GENERAL MANAGER AND THE ASSISTANT MANAGER AND DETERMINES THEIR COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE GENERAL MANAGER AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
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/TotalAssetsBOYAmt026498756
IRS990/TotalAssetsEOYAmt025531994
IRS990/TotalAssetsGrp/BOYAmt026498756
IRS990/TotalAssetsGrp/EOYAmt025531994
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/TotalAmt0831525
IRS990/TotalGrossUBIAmt0824
IRS990/TotalLiabilitiesBOYAmt024103974
IRS990/TotalLiabilitiesEOYAmt023171486
IRS990/TotalLiabilitiesGrp/BOYAmt024103974
IRS990/TotalLiabilitiesGrp/EOYAmt023171486
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02394782
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02360508
IRS990/TotalOtherCompensationAmt018934
IRS990/TotalProgramServiceRevenueAmt0626344
IRS990/TotalReportableCompFromOrgAmt077193
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0796427
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0797251
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0824
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt026498756
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025531994
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1012510 W 62ND TERRACE 104
IRS990/USAddress/City0SHAWNEE
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode066216
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.KUMCCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT E BURTON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0GENERAL MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09139628146
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-22
ReturnHeader/Filer/BusinessName/BusinessNameLine10KUMC CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KUMC
ReturnHeader/Filer/EIN0480595332
ReturnHeader/Filer/PhoneNum09139628146
ReturnHeader/Filer/USAddress/AddressLine103901 RAINBOW BLVD
ReturnHeader/Filer/USAddress/City0KANSAS CITY
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode066160
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/ReturnTs02014-07-22T12:40:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$25,531,994
Liabilities
$23,171,486
Net assets
$2,360,508
Revenue
$797,251
Expenses
$831,525
Net income
-$34,274
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$29.8$25.7$4.04$1.72$1.12$0.59
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.8$24.3$3.45$1.65$1.17$0.48
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.6$25.7$2.97$1.23$0.97$0.25
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.3$27.5$2.72$0.91$0.86$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.7$30.0$2.67$0.86$0.83$0.03
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.5$27.9$2.65$0.93$1.02$0.08
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.5$24.8$2.73$1.08$1.02$0.06
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.4$24.7$2.67$1.05$0.94$0.11
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.7$25.1$2.56$1.03$0.91$0.12
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.4$25.9$2.44$0.85$0.84$0.01
2015Detailed filing. Detailed filing data is available for this year.$27.3$24.9$2.43$0.80$0.77$0.03
2014Detailed filing. Detailed filing data is available for this year.$25.1$22.7$2.40$0.77$0.73$0.04
2013Detailed filing. Detailed filing data is available for this year.$25.5$23.2$2.36$0.80$0.83$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.5$24.1$2.39$0.90
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.6$22.2$2.40$0.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$20.4$2.37$1.04
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $25M-$50M nonprofits