Civic Intelligence

Universal Credit Union

990 • Fiscal year 2021 • EIN 48-0623553

Jan 01, 2021 to Dec 31, 2021 • Filed on Mar 01, 2022

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

24th percentile

0.70x

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

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

48th percentile

18.21x

Higher debt load relative to revenue than 48% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

25th percentile

-7.5%

Higher net margin than 25% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

39th percentile

$16,154

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 35.2% of source-year revenue.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

46th percentile

2.6%

Faster asset growth than 46% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

16th percentile

-21%

Faster revenue growth than 16% of similar nonprofits.

2021 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$1,188,909

Up $30,671 (+2.6%) from 2020

Net Assets

Down

$353,124

Down $3,428 (-1.0%) from 2020

Liabilities

Up

$835,785

Up $34,099 (+4.3%) from 2020

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin25th percentile

Revenue

Down

$45,888

Down $12,529 (-21%) from 2020

Expenses

Down

$49,316

Down $23,720 (-32%) from 2020

Net Income

Up

-$3,428

Up $11,191 (+77%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth46th 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

2021

Assets$1,188,909
Liabilities$835,785
Net Assets$353,124
Open 2021 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

2021

Revenue$45,888
Expenses$49,316
Net Income-$3,428
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 1, 2022
Return Version
2021v4.0
Gross Receipts
$45,888
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$415,987$756,002▲ $340,015
Other Notes and Loans Receivable, Net$445,095$394,381▼ $50,714
Rtn Earn Endowment Incm Other Fnds$356,552$353,124▼ $3,428
Cash and Non-Interest-Bearing Accounts$290,835$30,521▼ $260,314
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,158,238$1,188,909▲ $30,671
Other Assets Total$6,321$8,005▲ $1,684
Liabilities
Other Liabilities$800,408$835,095▲ $34,687
Accounts Payable and Accrued Expenses$1,278$690▼ $588
Total Liabilities$801,686$835,785▲ $34,099
Net Assets / Fund Balance
Total Net Assets Fund Balance$356,552$353,124▼ $3,428
Total Liabilities and Net Assets / Fund Balance$1,158,238$1,188,909▲ $30,671
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Laura KellerManagerPT$16,154$16,154

Board Members and Trustees

NameTitle
Vernon Shaffer JrChairperson
David HendersonVice Chair
Kerry BrightDirector
William ReynoldsDirector
Kim BoorigieSecretary
Daniel HernandezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$42,101
Investment Income
$3,787
Other Revenue
$0
Change in Net Assets
$-3,428
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$26,005
Salaries, Compensation, and Employee Benefits$23,311
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---$16,154
Occupancy---$6,603
Other Salaries and Wages---$5,400
Office Expenses---$4,935
Other Expenses---$2,807
Fees for Services Accounting---$2,194
Payroll Taxes---$1,757
All Other Expenses---$1,549
Advertising---$205
Conferences and Meetings---$118
Total Functional Expenses$0$0$0$49,316
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 Shares$835,095
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 managment of the credit union has been delegated to manager”

Form 990, Part VI, Section A, Line 6

“The credit union has 241 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 2021”

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 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
2022-03-01

Organization Details

Principal Officer
Laura Kelly
Formed
1935
Legal Domicile
Ks
Voting Board Members
8
Independent Board Members
8
Employees
3
Volunteers
6
Raw XML Appendix344 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2020 THERE WERE 77 LOANS OUTSTANDING TOTALING $406,032
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE DAILY MANAGMENT OF THE CREDIT UNION HAS BEEN DELEGATED TO MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 241 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 2021
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/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
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt0835785
IRS990/TotalLiabilitiesGrp/BOYAmt0801686
IRS990/TotalLiabilitiesGrp/EOYAmt0835785
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IRS990/TotalOtherCompensationAmt00
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IRS990/TotalOtherProgSrvcGrantAmt00
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IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
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IRS990/TotalProgramServiceRevenueAmt042101
IRS990/TotalReportableCompFromOrgAmt016154
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt045888
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt045888
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01158238
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01188909
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd01
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Laura Keller
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum06203316320
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-01
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/ReturnTs02022-02-24T17:25:35-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,188,909
Liabilities
$835,785
Net assets
$353,124
Revenue
$45,888
Expenses
$49,316
Net income
-$3,428
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. 2021 filings • 501(c)14 • $1M-$5M nonprofits