Civic Intelligence

Educational Credit Union

990 • Fiscal year 2013 • EIN 48-0641445

Jan 01, 2013 to Dec 31, 2013 • Filed on May 06, 2014

2808 SW Arrowhead RoadTopeka, KS 66614

(785) 271-6900

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.92x

Higher debt load relative to assets than 83% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

54th percentile

18.82x

Higher debt load relative to revenue than 54% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

68th percentile

15%

Higher net margin than 68% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

38th percentile

$167,801

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

79th percentile

6.0%

Faster asset growth than 79% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Up

$185,442,915

Up $10,426,083 (+6.0%) from 2012

Net Assets

Up

$15,158,578

Up $1,188,526 (+8.5%) from 2012

Liabilities

Up

$170,284,337

Up $9,237,557 (+5.7%) from 2012

Revenue

$9,050,184

No earlier filing loaded for comparison.

Expenses

Up

$7,728,740

Up $266,181 (+3.6%) from 2012

Net Income

$1,321,444

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$300M$200M$100M$0Assets 2010: $135,325,282Liabilities 2010: $123,823,027Net Assets 2010: $11,502,2552010Assets 2011: $153,831,004Liabilities 2011: $141,268,517Net Assets 2011: $12,562,4872011Assets 2012: $175,016,832Liabilities 2012: $161,046,780Net Assets 2012: $13,970,0522012Assets 2013: $185,442,915Liabilities 2013: $170,284,337Net Assets 2013: $15,158,5782013Assets 2014: $191,022,750Liabilities 2014: $174,064,304Net Assets 2014: $16,958,4462014Assets 2015: $201,438,820Liabilities 2015: $182,736,842Net Assets 2015: $18,701,9782015

Highlighted filing

2013

Assets$185,442,915
Liabilities$170,284,337
Net Assets$15,158,578

Operations Trend

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

$15M$10M$5.0M$0Expenses 2010: $7,617,0252010Expenses 2011: $7,304,3352011Expenses 2012: $7,462,5592012Revenue 2013: $9,050,184Expenses 2013: $7,728,740Net Income 2013: $1,321,4442013Revenue 2014: $9,575,616Expenses 2014: $7,818,665Net Income 2014: $1,756,9512014Revenue 2015: $10,231,866Expenses 2015: $8,412,448Net Income 2015: $1,819,4182015

Highlighted filing

2013

Revenue$9,050,184
Expenses$7,728,740
Net Income$1,321,444
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 6, 2014
Return Version
2013v3.0
Gross Receipts
$9,419,491
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$94,859,736$108,120,819▲ $13,261,083
Investments in Publicly Traded Securities$52,114,037$59,076,763▲ $6,962,726
Rtn Earn Endowment Incm Other Fnds$13,970,052$15,158,578▲ $1,188,526
Savings and Temporary Cash Investments$16,676,973$8,054,640▼ $8,622,333
Land, Buildings, and Equipment, Net$3,581,284$3,977,239▲ $395,955
Cash and Non-Interest-Bearing Accounts$2,907,903$1,891,032▼ $1,016,871
Investments Other Securities$1,160,595$1,380,596▲ $220,001
Accounts Receivable$1,174,436$366,126▼ $808,310
Prepaid Expenses and Deferred Charges$173,380$209,744▲ $36,364
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$175,016,832$185,442,915▲ $10,426,083
Other Assets Total$2,368,488$2,365,956▼ $2,532
Liabilities
Other Liabilities$160,256,336$169,392,543▲ $9,136,207
Accounts Payable and Accrued Expenses$789,454$891,794▲ $102,340
Escrow Account Liability$990--
Total Liabilities$161,046,780$170,284,337▲ $9,237,557
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,970,052$15,158,578▲ $1,188,526
Total Liabilities and Net Assets / Fund Balance$175,016,832$185,442,915▲ $10,426,083

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,795,795$1,304,042$4,099,837
Land$951,342-$951,342
Equipment$230,102$607,563$837,665
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg WinklerPresident/CEOFT$131,258$36,543$167,801
Lisa MarshallExecutive Vice PresidentFT$93,215$15,905$109,120

Board Members and Trustees

NameTitle
Jim FrownfelterChairman
Shirley MartinVice Chairman
Clardy VinsonDirector
Marcia DechandDirector
Robert BalstersDirector
Sherryl LonghoferDirector
Gail KaiserSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,155,283
Investment Income
$876,252
Other Revenue
$18,649
Change in Net Assets
$1,321,444
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,395,302
Salaries, Compensation, and Employee Benefits$2,319,558
Grants and Similar Amounts Paid$13,880
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,599,343
Office Expenses---$1,021,741
Fees for Services Other---$592,114
Depreciation Depletion---$280,934
Current Officers, Directors, Trustees, and Key Employees---$276,921
Occupancy---$264,087
Other Employee Benefits---$171,562
Advertising---$160,353
Payroll Taxes---$150,015
Other Expenses---$134,376
Pension Plan Contributions---$121,717
All Other Expenses---$98,291
Fees for Services Accounting---$60,403
Conferences and Meetings---$48,895
Insurance---$44,571
Information Technology---$27,554
Fees for Service Investment Mgmnt Fees---$20,744
Fees for Services Legal---$14,084
Grants to Domestic Individuals---$13,880
Fees for Services Management---$7,861
Interest---$950
Total Functional Expenses$0$0$0$7,728,740
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 Share Deposits$169,392,543
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The credit union is mutually owned by members.

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

The board of directors are elected by the credit union members.

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

Significant changes such as mergers and changes to bylaws are subject to approval by the credit union members; however no such changes were made during the year.

Form 990, Part VI, Section B, Line 11

Credit union management reviews the form 990 with the accounting firm preparing the return. The board of directors then reviews and approves the return during a board meeting.

Form 990, Part VI, Section B, Line 12C

On an annual basis, the officers, directors, and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.

Form 990, Part VI, Section B, Line 15

The board of directors reviews the president/ceo's performance and determines compensation based on various information, including a signed employment contract, the compease salary administration program, and peer studies. All other management compensation is determined by the president/ceo using similar information and is presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in the lobby and on the credit union's website, are presented at the annual meeting, and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.

Filing and Contact Details

Filer

EIN
48-0641445
Phone
7852716900

Signing Officer

Name
Greg Winkler
Title
President/CEO
Phone
7852716900
Signed
2014-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Greg Winkler
Formed
1939
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
60
Volunteers
10

Preparer

Phone
9138946214
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

OTHER ADJUSTMENTS -489.

Raw XML AppendixShowing 400 of 417 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/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt8EXECUTIVE VICE PRESIDENT
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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, 2013, THERE WERE 10,102 LOANS OUTSTANDING TOTALING $109,013,785.
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IRS990/PYTotalExpensesAmt07462559
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08749490
IRS990/ReconcilationRevenueExpnssAmt01321444
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt018649
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt018649
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013970052
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt015158578
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016676973
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08054640
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02795795
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01304042
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04099837
IRS990ScheduleD/EquipmentGrp/BookValueAmt0230102
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0607563
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0837665
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0951342
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0951342
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0169392543
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03977239
IRS990ScheduleD/TotalLiabilityAmt0169392543
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt04000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt19880
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0DIANE WRIGHT MEMORIAL SCHOLARSHIP
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt1TEACHER MINI-GRANTS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt04
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt163
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION AWARDS THE "DIANE WRIGHT MEMORIAL SCHOLARSHIP" ANNUALLY TO A HIGH SCHOOL SENIOR PURSUING A DEGREE IN EDUCATION AT A FOUR-YEAR UNIVERSITY. THE WINNER RECEIVES A $500 AWARD WHICH IS RENEWABLE EVERY SEMESTER FOR A MAXIMUM OF $4,000, PROVIDED ALL REQUIREMENTS HAVE BEEN MET AND VERIFIED. IN ADDITION, TEACHERS MAY APPLY FOR MINI-GRANTS TO HELP COVER THE COST OF VARIOUS CLASSROOM PROJECTS. APPLICATIONS ARE REVIEWED BY A COMMITTEE AND AMOUNTS ARE AWARDED AND PAID TO THE VENDOR SUPPLIER OR TO THE SCHOOL.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0131258
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount01000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt014259
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt021284
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0GREG WINKLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0167801
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON VARIOUS INFORMATION, INCLUDING A SIGNED EMPLOYMENT CONTRACT, THE COMPEASE SALARY ADMINISTRATION PROGRAM, AND PEER STUDIES. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CREDIT UNION MANAGEMENT REVIEWS THE FORM 990 WITH THE ACCOUNTING FIRM PREPARING THE RETURN. THE BOARD OF DIRECTORS THEN REVIEWS AND APPROVES THE RETURN DURING A BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE OFFICERS, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON VARIOUS INFORMATION, INCLUDING A SIGNED EMPLOYMENT CONTRACT, THE COMPEASE SALARY ADMINISTRATION PROGRAM, AND PEER STUDIES. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT/CEO USING SIMILAR INFORMATION AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ON THE CREDIT UNION'S WEBSITE, ARE PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER ADJUSTMENTS -489.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0175016832
IRS990/TotalAssetsEOYAmt0185442915
IRS990/TotalAssetsGrp/BOYAmt0175016832
IRS990/TotalAssetsGrp/EOYAmt0185442915
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt060
IRS990/TotalFunctionalExpensesGrp/TotalAmt07728740
IRS990/TotalGrossUBIAmt061160
IRS990/TotalLiabilitiesBOYAmt0161046780
IRS990/TotalLiabilitiesEOYAmt0170284337
IRS990/TotalLiabilitiesGrp/BOYAmt0161046780
IRS990/TotalLiabilitiesGrp/EOYAmt0170284337
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt013970052
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt015158578
IRS990/TotalOtherCompensationAmt051448
IRS990/TotalProgramServiceRevenueAmt08155283
IRS990/TotalReportableCompFromOrgAmt0225473
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt08989024
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09050184
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt061160
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0175016832
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0185442915
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102808 SW ARROWHEAD ROAD
IRS990/USAddress/City0TOPEKA
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode066614
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.EDUCATIONALCU.ORG
IRS990/WhistleblowerPolicyInd01
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0GREG WINKLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07852716900
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-06
ReturnHeader/Filer/BusinessName/BusinessNameLine10EDUCATIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0EDUC
ReturnHeader/Filer/EIN0480641445

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