Civic Intelligence

Universal Credit Union

990 • Fiscal year 2015 • EIN 48-0623553

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 04, 2016

Organization Profile
117 South 8thIndependence, KS 67301

(620) 331-6320

Siviq Scores

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

Liabilities / Assets

17th percentile

0.64x

Higher debt load relative to assets than 17% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

47th percentile

16.30x

Higher debt load relative to revenue than 47% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

13th percentile

-20%

Higher net margin than 13% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

34th percentile

$15,500

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 37.2% of source-year revenue.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

76th percentile

4.9%

Faster asset growth than 76% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

16th percentile

-9.3%

Faster revenue growth than 16% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$1,052,776

Up $49,316 (+4.9%) from 2014

Net Assets

Down

$373,807

Down $10,804 (-2.8%) from 2014

Liabilities

Up

$678,969

Up $60,120 (+9.7%) from 2014

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin13th percentile

Revenue

Down

$41,666

Down $4,260 (-9.3%) from 2014

Expenses

Down

$50,125

Down $1,430 (-2.8%) from 2014

Net Income

Down

-$8,459

Down $2,830 (-50%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $1,009,539Liabilities 2010: $616,370Net Assets 2010: $393,1692010Assets 2011: $911,383Liabilities 2011: $523,607Net Assets 2011: $387,7762011Assets 2012: $1,010,692Liabilities 2012: $623,913Net Assets 2012: $386,7792012Assets 2013: $1,061,204Liabilities 2013: $673,042Net Assets 2013: $388,1622013Assets 2014: $1,003,460Liabilities 2014: $618,849Net Assets 2014: $384,6112014Assets 2015: $1,052,776Liabilities 2015: $678,969Net Assets 2015: $373,8072015Assets 2016: $875,798Liabilities 2016: $517,539Net Assets 2016: $358,2592016Assets 2017: $761,966Liabilities 2017: $403,581Net Assets 2017: $358,3852017Assets 2018: $978,553Liabilities 2018: $612,978Net Assets 2018: $365,5752018Assets 2019: $1,004,277Liabilities 2019: $633,106Net Assets 2019: $371,1712019Assets 2020: $1,158,238Liabilities 2020: $801,686Net Assets 2020: $356,5522020Assets 2021: $1,188,909Liabilities 2021: $835,785Net Assets 2021: $353,1242021

Highlighted filing

2015

Assets$1,052,776
Liabilities$678,969
Net Assets$373,807
Open 2015 Filing

Operations Trend

Revenue Growth16th percentile

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

$100K$50K$0-$50KExpenses 2010: $76,3712010Expenses 2011: $75,5552011Expenses 2012: $65,8022012Revenue 2013: $57,198Expenses 2013: $55,120Net Income 2013: $2,0782013Revenue 2014: $45,926Expenses 2014: $51,555Net Income 2014: -$5,6292014Revenue 2015: $41,666Expenses 2015: $50,125Net Income 2015: -$8,4592015Revenue 2016: $40,774Expenses 2016: $58,445Net Income 2016: -$17,6712016Revenue 2017: $42,830Expenses 2017: $42,704Net Income 2017: $1262017Revenue 2018: $50,475Expenses 2018: $43,285Net Income 2018: $7,1902018Revenue 2019: $61,383Expenses 2019: $55,787Net Income 2019: $5,5962019Revenue 2020: $58,417Expenses 2020: $73,036Net Income 2020: -$14,6192020Revenue 2021: $45,888Expenses 2021: $49,316Net Income 2021: -$3,4282021

Highlighted filing

2015

Revenue$41,666
Expenses$50,125
Net Income-$8,459
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 4, 2016
Return Version
2015v2.1
Gross Receipts
$41,666
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 member/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$545,599$618,863▲ $73,264
Rtn Earn Endowment Incm Other Fnds$384,611$373,807▼ $10,804
Other Notes and Loans Receivable, Net$400,523$336,735▼ $63,788
Cash and Non-Interest-Bearing Accounts$15,957$47,999▲ $32,042
Receivables From Officers Etc$34,687$43,013▲ $8,326
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,003,460$1,052,776▲ $49,316
Other Assets Total$6,694$6,166▼ $528
Liabilities
Other Liabilities$616,703$677,728▲ $61,025
Accounts Payable and Accrued Expenses$2,146$1,241▼ $905
Deferred Revenue$0--
Total Liabilities$618,849$678,969▲ $60,120
Net Assets / Fund Balance
Total Net Assets Fund Balance$384,611$373,807▼ $10,804
Total Liabilities and Net Assets / Fund Balance$1,003,460$1,052,776▲ $49,316
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Laura KellerManagerPT$15,500$15,500

Board Members and Trustees

NameTitle
Richard HernandezChairman
Michel CarrVice Chairman
Chester GreenDirector
Daniel HeniseyDirector
David HendersonDirector
William ReynoldsDirector
Vernon Shaffer JrSecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,666
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-8,459
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,713
Salaries, Compensation, and Employee Benefits$21,412
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---$15,500
Office Expenses---$7,630
Occupancy---$5,910
Other Salaries and Wages---$4,169
Fees for Services Accounting---$3,509
Other Expenses---$2,560
All Other Expenses---$2,186
Other Employee Benefits---$1,743
Fees for Services Legal---$800
Conferences and Meetings---$330
Advertising---$179
Insurance---$79
Total Functional Expenses$0$0$0$50,125
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 Officers, Directors, Trustees, and Key Employees$34,687$43,013▲ $8,326
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$677,728
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
Yes
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
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“The daily management of the credit union has been delegated to laura keller”

Form 990, Part VI, Section A, Line 6

“The credit union has 298 voting members”

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

“The board of directors is elected by the membership”

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

“There are certain actions that need to be voted on by the entire membership but none of those actions occurred in 2015”

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

“990 presented at board meeting”

Form 990, Part VI, Section B, Line 15

“The board of directors sets the manager's salary and reviewed annually”

Form 990, Part VI, Section C, Line 19

“The financial statements and other public documents are available upon request”

Filing and Contact Details

Filer

Filer Name
Universal Credit Union
EIN
48-0623553
Phone
6203316320
Address
117 South 8th, Independence, KS 67301

Signing Officer

Name
Laura Keller
Title
Manager
Phone
6203316320
Signed
2016-03-04

Organization Details

Principal Officer
Laura Keller
Formed
1935
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
2
Volunteers
8
Raw XML AppendixShowing 400 of 407 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/TitleTxt5DIRECTOR
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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, 2015 THERE WERE 307 LOANS OUTSTANDING TOTALING $402,208.
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt024241
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt22007
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt314000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt45025
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt515115
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RICHARD HERNANDEZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DANIEL HERNANDEZ
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2VERNON SHAFFER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3WILLIAM REYNOLDS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CHESTER GREEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5DAVID HENDERSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/TotalBalanceDueAmt043013
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DAILY MANAGEMENT OF THE CREDIT UNION HAS BEEN DELEGATED TO LAURA KELLER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 298 VOTING MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THERE ARE CERTAIN ACTIONS THAT NEED TO BE VOTED ON BY THE ENTIRE MEMBERSHIP BUT NONE OF THOSE ACTIONS OCCURRED IN 2015
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4990 PRESENTED AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS SETS THE MANAGER'S SALARY AND REVIEWED ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE FINANCIAL STATEMENTS AND OTHER PUBLIC DOCUMENTS 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 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/TotalAssetsBOYAmt01003460
IRS990/TotalAssetsEOYAmt01052776
IRS990/TotalAssetsGrp/BOYAmt01003460
IRS990/TotalAssetsGrp/EOYAmt01052776
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt050125
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0618849
IRS990/TotalLiabilitiesEOYAmt0678969
IRS990/TotalLiabilitiesGrp/BOYAmt0618849
IRS990/TotalLiabilitiesGrp/EOYAmt0678969
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0384611
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0373807
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt050124
IRS990/TotalProgramServiceRevenueAmt041666
IRS990/TotalReportableCompFromOrgAmt015500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt041666
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt041666
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01003460
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01052776
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0117 South 8th
IRS990/USAddress/CityNm0Independence
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067301
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laura Keller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06203316320
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Universal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0UNIV
ReturnHeader/Filer/EIN0480623553
ReturnHeader/Filer/PhoneNum06203316320
ReturnHeader/Filer/USAddress/AddressLine1Txt0117 South 8th
ReturnHeader/Filer/USAddress/CityNm0Independence

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,052,776
Liabilities
$678,969
Net assets
$373,807
Revenue
$41,666
Expenses
$50,125
Net income
-$8,459
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$1.19$0.84$0.35$0.05$0.05$0.00
2020Detailed filing. Detailed filing data is available for this year.$1.16$0.80$0.36$0.06$0.07$0.01
2019Detailed filing. Detailed filing data is available for this year.$1.00$0.63$0.37$0.06$0.06$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.98$0.61$0.37$0.05$0.04$0.01
2017Detailed filing. Detailed filing data is available for this year.$0.76$0.40$0.36$0.04$0.04$0.00
2016Detailed filing. Detailed filing data is available for this year.$0.88$0.52$0.36$0.04$0.06$0.02
2015Detailed filing. Detailed filing data is available for this year.$1.05$0.68$0.37$0.04$0.05$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.00$0.62$0.38$0.05$0.05$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.06$0.67$0.39$0.06$0.06$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.62$0.39$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.91$0.52$0.39$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.62$0.39$0.08