Civic Intelligence

Universal Credit Union

990 • Fiscal year 2017 • EIN 48-0623553

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

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

88th percentile

0.53x

Higher debt load relative to assets than 88% of similar nonprofits.

2017 filings • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

9.42x

Higher debt load relative to revenue than 99% of similar nonprofits.

2017 filings • $500k-$1M nonprofits • Source year 2017

Net Margin

41st percentile

0.3%

Higher net margin than 41% of similar nonprofits.

2017 filings • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

63rd percentile

$15,500

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 36.2% of source-year revenue.

2017 filings • $500k-$1M nonprofits • Source year 2017

Asset Growth

11th percentile

-13%

Faster asset growth than 11% of similar nonprofits.

2017 filings • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

51st percentile

5.0%

Faster revenue growth than 51% of similar nonprofits.

2017 filings • $500k-$1M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets88th percentile

Assets

Down

$761,966

Down $113,832 (-13%) from 2016

Net Assets

Up

$358,385

Up $126 (+0.0%) from 2016

Liabilities

Down

$403,581

Down $113,958 (-22%) from 2016

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin41st percentile

Revenue

Up

$42,830

Up $2,056 (+5.0%) from 2016

Expenses

Down

$42,704

Down $15,741 (-27%) from 2016

Net Income

Up

$126

Up $17,797 (+101%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth11th 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

2017

Assets$761,966
Liabilities$403,581
Net Assets$358,385
Open 2017 Filing

Operations Trend

Revenue Growth51st 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

2017

Revenue$42,830
Expenses$42,704
Net Income$126
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Feb 1, 2018
Return Version
2017v2.0
Gross Receipts
$42,830
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
Other Notes and Loans Receivable, Net$409,979$427,386▲ $17,407
Rtn Earn Endowment Incm Other Fnds$358,259$358,385▲ $126
Savings and Temporary Cash Investments$414,559$294,237▼ $120,322
Cash and Non-Interest-Bearing Accounts$17,404$35,195▲ $17,791
Receivables From Officers Etc$27,330$0▼ $27,330
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$875,798$761,966▼ $113,832
Other Assets Total$6,526$5,148▼ $1,378
Liabilities
Other Liabilities$514,775$402,265▼ $112,510
Accounts Payable and Accrued Expenses$2,764$1,316▼ $1,448
Total Liabilities$517,539$403,581▼ $113,958
Net Assets / Fund Balance
Total Net Assets Fund Balance$358,259$358,385▲ $126
Total Liabilities and Net Assets / Fund Balance$875,798$761,966▼ $113,832
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

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

Board Members and Trustees

NameTitle
Vernon Shaffer JrPresident
Chester GreenDirector
David HendersonDirector
Michael CarrDirector
William ReynoldsDirector
Daniel HeniseySecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$40,582
Investment Income
$2,248
Other Revenue
$0
Change in Net Assets
$126
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$21,825
Other Expenses$20,879
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
Occupancy---$6,190
Other Salaries and Wages---$4,673
Office Expenses---$4,165
Information Technology---$2,691
All Other Expenses---$2,633
Payroll Taxes---$1,652
Fees for Services Accounting---$1,250
Other Expenses---$460
Conferences and Meetings---$423
Fees for Services Legal---$372
Advertising---$193
Total Functional Expenses$0$0$0$42,704
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$27,330$0▼ $27,330
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$402,265
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 291 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 2017”

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

“Reviewed 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 18

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

Form 990, Part VI, Section C, Line 19

“The financial statements are posted and financial information reported to ncua”

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
2018-02-01

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 Appendix356 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/BOYAmt02764
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01316
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBER/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt0193
IRS990/AllOtherExpensesGrp/TotalAmt02633
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0LAURA KELLER
IRS990/BooksInCareOfDetail/PhoneNum06203316320
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0117 SOUTH 8TH
IRS990/BooksInCareOfDetail/USAddress/CityNm0INDEPENDENCE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd067301
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt017404
IRS990/CashNonInterestBearingGrp/EOYAmt035195
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt015500
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt0423
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02248
IRS990/CYOtherExpensesAmt020879
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt040582
IRS990/CYRevenuesLessExpensesAmt0126
IRS990/CYSalariesCompEmpBnftPaidAmt021825
IRS990/CYTotalExpensesAmt042704
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt042830
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 291 MEMBERS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt020892
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt01250
IRS990/FeesForServicesLegalGrp/TotalAmt0372
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt720
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL CARR
IRS990/Form990PartVIISectionAGrp/PersonNm1DANIEL HERNANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2VERNON SHAFFER JR
IRS990/Form990PartVIISectionAGrp/PersonNm3CHESTER GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm4DANIEL HENISEY
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm6WILLIAM REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm7LAURA KELLER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt715500
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/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt042830
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02691
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02248
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02248
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt023
IRS990/IRPDocumentW2GCnt00
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/NetAssetsOrFundBalancesBOYAmt0358259
IRS990/NetAssetsOrFundBalancesEOYAmt0358385
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt06190
IRS990/OfficeExpensesGrp/TotalAmt04165
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06526
IRS990/OtherAssetsTotalGrp/EOYAmt05148
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0LOAN EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02502
IRS990/OtherExpensesGrp/TotalAmt1460
IRS990/OtherInd0X
IRS990/OtherLiabilitiesGrp/BOYAmt0514775
IRS990/OtherLiabilitiesGrp/EOYAmt0402265
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt04673
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0409979
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0427386
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01652
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0Laura Keller
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt037733
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12849
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt037733
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12849
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017 THERE WERE 100 LOANS OUTSTANDING TOTALING $476,997
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt021352
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt037733
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $460 FOR THE YEAR.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0460
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03283
IRS990/PYOtherExpensesAmt037055
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt037491
IRS990/PYRevenuesLessExpensesAmt0-17671
IRS990/PYSalariesCompEmpBnftPaidAmt021390
IRS990/PYTotalExpensesAmt058445
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt040774
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt027330
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0126
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt05087
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0358259
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0358385
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0414559
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0294237
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0402265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalLiabilityAmt0402265
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DAILY MANAGEMENT OF THE CREDIT UNION HAS BEEN DELEGATED TO LAURA KELLER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 291 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 2017
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEWED AT BOARD MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS SETS THE MANAGER'S SALARY AND REVIEWED ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE FINANCIAL STATEMENT AND OTHER PUBLIC DOCUMENTS ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE FINANCIAL STATEMENTS ARE POSTED AND FINANCIAL INFORMATION REPORTED TO NCUA
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 18
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/TotalAssetsBOYAmt0875798
IRS990/TotalAssetsEOYAmt0761966
IRS990/TotalAssetsGrp/BOYAmt0875798
IRS990/TotalAssetsGrp/EOYAmt0761966
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt042704
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0517539
IRS990/TotalLiabilitiesEOYAmt0403581
IRS990/TotalLiabilitiesGrp/BOYAmt0517539
IRS990/TotalLiabilitiesGrp/EOYAmt0403581
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0358259
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0358385
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt042704
IRS990/TotalProgramServiceRevenueAmt040582
IRS990/TotalReportableCompFromOrgAmt015500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt042830
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt042830
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0875798
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0761966
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt0117 South 8th
IRS990/USAddress/CityNm0Independence
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067301
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laura Keller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06203316320
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-02-01
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
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067301
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt070.94.108.224
ReturnHeader/ReturnTs02018-01-30T19:56:52-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$761,966
Liabilities
$403,581
Net assets
$358,385
Revenue
$42,830
Expenses
$42,704
Net income
$126
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