Civic Intelligence

Universal Credit Union

990 • Fiscal year 2018 • EIN 48-0623553

Jan 01, 2018 to Dec 31, 2018 • Filed on Feb 08, 2019

Organization Profile
117 South 8thIndependence, KS 67301

(620) 331-6320

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$978,553

Flat from 2018

Net Assets

Flat

$365,575

Flat from 2018

Liabilities

Flat

$612,978

Flat from 2018

Revenue And Expenses

Revenue

Flat

$50,475

Flat from 2018

Expenses

Flat

$43,285

Flat from 2018

Net Income

Flat

$7,190

Flat from 2018

Historical Trend

Balance Sheet Trend

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 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

2018

Assets$978,553
Liabilities$612,978
Net Assets$365,575
Open 2018 Filing

Operations Trend

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 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

2018

Revenue$50,475
Expenses$43,285
Net Income$7,190
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Feb 8, 2019
Return Version
2018v3.0
Gross Receipts
$50,475
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$427,386$485,950▲ $58,564
Savings and Temporary Cash Investments$294,237$433,552▲ $139,315
Rtn Earn Endowment Incm Other Fnds$358,385$365,575▲ $7,190
Cash and Non-Interest-Bearing Accounts$35,195$55,029▲ $19,834
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$761,966$978,553▲ $216,587
Other Assets Total$5,148$4,022▼ $1,126
Liabilities
Other Liabilities$402,265$612,140▲ $209,875
Accounts Payable and Accrued Expenses$1,316$838▼ $478
Total Liabilities$403,581$612,978▲ $209,397
Net Assets / Fund Balance
Total Net Assets Fund Balance$358,385$365,575▲ $7,190
Total Liabilities and Net Assets / Fund Balance$761,966$978,553▲ $216,587
Compensation and Service Providers

Employees

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

Board Members and Trustees

NameTitle
Vernon Shaffer JrChairperson
Michael CarrVice Chair
Chester GreenDirector
David HendersonDirector
William ReynoldsDirector
Daniel HeniseySecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$46,107
Investment Income
$4,368
Other Revenue
$0
Change in Net Assets
$7,190
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$21,825
Other Expenses$21,460
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---$6,067
Other Salaries and Wages---$4,674
Other Expenses---$3,611
Insurance---$3,470
Occupancy---$2,597
Fees for Services Legal---$1,750
Payroll Taxes---$1,651
All Other Expenses---$803
Conferences and Meetings---$396
Advertising---$318
Total Functional Expenses$0$0$0$43,285
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$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$612,140
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 kellyer”

Form 990, Part VI, Section A, Line 6

“The credit union has 280 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 non of those actions occurred in 2018”

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
2019-02-08

Organization Details

Principal Officer
Laura Kelly
Formed
1935
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
2
Volunteers
8
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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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018 THERE WERE 104 LOANS OUTSTANDING TOTALING $502,996
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DAILY MANAGEMENT OF THE CREDIT UNION HAS BEEN DELEGATED TO LAURA KELLYER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 280 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 NON OF THOSE ACTIONS OCCURRED IN 2018
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
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
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IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt043285
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0403581
IRS990/TotalLiabilitiesEOYAmt0612978
IRS990/TotalLiabilitiesGrp/BOYAmt0403581
IRS990/TotalLiabilitiesGrp/EOYAmt0612978
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0358385
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0365575
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt043284
IRS990/TotalProgramServiceRevenueAmt046107
IRS990/TotalReportableCompFromOrgAmt015500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt050475
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt050475
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0761966
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0978553
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt0117 S 8th
IRS990/USAddress/CityNm0Independence
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067301
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laura Keller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06203316320
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-02-08
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/ReturnTs02019-02-06T18:38:00-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$978,553
Liabilities
$612,978
Net assets
$365,575
Revenue
$50,475
Expenses
$43,285
Net income
$7,190
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
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