Civic Intelligence

Universal Credit Union

990 • Fiscal year 2019 • EIN 48-0623553

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 20, 2020

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

19th percentile

0.63x

Higher debt load relative to assets than 19% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

24th percentile

10.31x

Higher debt load relative to revenue than 24% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

58th percentile

9.1%

Higher net margin than 58% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

35th percentile

$15,500

Higher top officer pay than 35% of similar nonprofits.

Top officer pay equals 25.3% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

77th percentile

2.6%

Faster asset growth than 77% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

91st percentile

22%

Faster revenue growth than 91% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$1,004,277

Up $25,724 (+2.6%) from 2018

Net Assets

Up

$371,171

Up $5,596 (+1.5%) from 2018

Liabilities

Up

$633,106

Up $20,128 (+3.3%) from 2018

Revenue And Expenses
Liabilities / Revenue24th percentileNet Margin58th percentile

Revenue

Up

$61,383

Up $10,908 (+22%) from 2018

Expenses

Up

$55,787

Up $12,502 (+29%) from 2018

Net Income

Down

$5,596

Down $1,594 (-22%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth77th 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

2019

Assets$1,004,277
Liabilities$633,106
Net Assets$371,171
Open 2019 Filing

Operations Trend

Revenue Growth91st 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

2019

Revenue$61,383
Expenses$55,787
Net Income$5,596
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 20, 2020
Return Version
2019v5.0
Gross Receipts
$61,383
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$485,950$539,402▲ $53,452
Savings and Temporary Cash Investments$433,552$413,765▼ $19,787
Rtn Earn Endowment Incm Other Fnds$365,575$371,171▲ $5,596
Cash and Non-Interest-Bearing Accounts$55,029$45,096▼ $9,933
Receivables From Officers Etc$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$978,553$1,004,277▲ $25,724
Other Assets Total$4,022$6,014▲ $1,992
Liabilities
Other Liabilities$612,140$632,071▲ $19,931
Accounts Payable and Accrued Expenses$838$1,035▲ $197
Total Liabilities$612,978$633,106▲ $20,128
Net Assets / Fund Balance
Total Net Assets Fund Balance$365,575$371,171▲ $5,596
Total Liabilities and Net Assets / Fund Balance$978,553$1,004,277▲ $25,724
Compensation and Service Providers
Top Officer Pay35th percentile

Employees

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

Board Members and Trustees

NameTitle
Vernon Shaffer JrChairperson
David HendersonVice Chair
Kerry BrightDirector
Loretta McdiarmidDirector
William ReynoldsDirector
Daniel HeniseySecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$52,028
Investment Income
$9,355
Other Revenue
$0
Change in Net Assets
$5,596
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$32,084
Salaries, Compensation, and Employee Benefits$23,703
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---$6,728
Other Salaries and Wages---$6,513
Other Expenses---$5,506
Insurance---$3,613
All Other Expenses---$1,762
Payroll Taxes---$1,690
Fees for Services Accounting---$1,450
Office Expenses---$1,084
Conferences and Meetings---$334
Advertising---$199
Total Functional Expenses$0$0$0$55,787
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--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$632,071
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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 manager”

Form 990, Part VI, Section A, Line 6

“The credit union has 274 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 2019”

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

“Available for review before filing”

Form 990, Part VI, Section B, Line 15

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

Form 990, Part VI, Section C, Line 18

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

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
2020-04-20

Organization Details

Principal Officer
Laura Kelly
Formed
1935
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
3
Volunteers
8
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.

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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, 2019 THERE WERE 109 LOANS OUTSTANDING TOTALING $556,667
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DAILY MANAGEMENT OF THE CREDIT UNION HAS BEEN DELEGATED TO MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 274 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 2019
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4AVAILABLE FOR REVIEW BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS SETS THE MANAGER'S SALARY AND IS REVIEWED ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE FINANCIAL STATEMENTS ARE POSTED AND FINANCIAL INFORMATION REPORTED TO NCUA.
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0978553
IRS990/TotalAssetsEOYAmt01004277
IRS990/TotalAssetsGrp/BOYAmt0978553
IRS990/TotalAssetsGrp/EOYAmt01004277
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt055787
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0612978
IRS990/TotalLiabilitiesEOYAmt0633106
IRS990/TotalLiabilitiesGrp/BOYAmt0612978
IRS990/TotalLiabilitiesGrp/EOYAmt0633106
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0365575
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0371171
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt052028
IRS990/TotalReportableCompFromOrgAmt015500
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt061383
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt061383
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0978553
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01004277
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0117 S 8th
IRS990/USAddress/CityNm0Independence
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067301
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02020-09-22 18:59:49Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laura Keller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06203316320
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-20
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/IPv4AddressTxt069.76.230.62
ReturnHeader/ReturnTs02020-04-17T13:42:46-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,004,277
Liabilities
$633,106
Net assets
$371,171
Revenue
$61,383
Expenses
$55,787
Net income
$5,596
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $1M-$5M nonprofits