Civic Intelligence

Wakarusa Valley Credit Union

990 • Fiscal year 2013 • EIN 48-0645092

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 14, 2014

Organization ProfileN/A
2721 WEST 6TH STREET No BLawrence, KS 66049

(785) 865-1201

Siviq Scores

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

Liabilities / Assets

67th percentile

0.87x

Higher debt load relative to assets than 67% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

53rd percentile

17.18x

Higher debt load relative to revenue than 53% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

69th percentile

6.9%

Higher net margin than 69% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

68th percentile

$41,523

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 24.2% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

43rd percentile

-1.6%

Faster asset growth than 43% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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

Balance Sheet
Liabilities / Assets67th percentile

Assets

Down

$3,384,187

Down $56,259 (-1.6%) from 2012

Net Assets

Up

$439,409

Up $11,770 (+2.8%) from 2012

Liabilities

Down

$2,944,778

Down $68,029 (-2.3%) from 2012

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin69th percentile

Revenue

$171,427

No earlier filing loaded for comparison.

Expenses

Down

$159,657

Down $4,587 (-2.8%) from 2012

Net Income

$11,770

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $3,378,037Liabilities 2010: $3,057,262Net Assets 2010: $320,7752010Assets 2011: $3,254,960Liabilities 2011: $2,873,685Net Assets 2011: $381,2752011Assets 2012: $3,440,446Liabilities 2012: $3,012,807Net Assets 2012: $427,6392012Assets 2013: $3,384,187Liabilities 2013: $2,944,778Net Assets 2013: $439,4092013Assets 2014: $3,609,784Liabilities 2014: $3,167,881Net Assets 2014: $441,9032014Assets 2015: $3,603,172Liabilities 2015: $3,192,113Net Assets 2015: $411,0592015Assets 2016: $3,459,036Liabilities 2016: $3,070,198Net Assets 2016: $388,8382016Assets 2017: $3,174,343Liabilities 2017: $2,816,278Net Assets 2017: $358,0652017Assets 2018: $2,949,150Liabilities 2018: $2,641,326Net Assets 2018: $307,8242018Assets 2019: $2,599,235Liabilities 2019: $2,320,869Net Assets 2019: $278,3662019Assets 2020: $2,616,950Liabilities 2020: $2,349,446Net Assets 2020: $267,5042020Assets 2021: $3,131,009Liabilities 2021: $2,859,741Net Assets 2021: $271,2682021Assets 2022: $2,793,027Liabilities 2022: $2,518,918Net Assets 2022: $274,1092022Assets 2023: $2,187,282Liabilities 2023: $2,024,099Net Assets 2023: $163,1832023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2013

Assets$3,384,187
Liabilities$2,944,778
Net Assets$439,409
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0-$100K-$200KExpenses 2010: $184,3552010Expenses 2011: $166,2892011Expenses 2012: $164,2442012Revenue 2013: $171,427Expenses 2013: $159,657Net Income 2013: $11,7702013Revenue 2014: $158,847Expenses 2014: $156,353Net Income 2014: $2,4942014Revenue 2015: $123,615Expenses 2015: $154,459Net Income 2015: -$30,8442015Revenue 2016: $139,595Expenses 2016: $161,816Net Income 2016: -$22,2212016Revenue 2017: $140,184Expenses 2017: $170,957Net Income 2017: -$30,7732017Revenue 2018: $136,250Expenses 2018: $186,491Net Income 2018: -$50,2412018Revenue 2019: $133,460Expenses 2019: $162,918Net Income 2019: -$29,4582019Revenue 2020: $133,183Expenses 2020: $144,045Net Income 2020: -$10,8622020Revenue 2021: $140,793Expenses 2021: $137,029Net Income 2021: $3,7642021Revenue 2022: $168,357Expenses 2022: $165,516Net Income 2022: $2,8412022Revenue 2023: $134,229Expenses 2023: $245,155Net Income 2023: -$110,9262023Revenue 2024: $105,818Expenses 2024: $201,483Net Income 2024: -$95,6652024

Highlighted filing

2013

Revenue$171,427
Expenses$159,657
Net Income$11,770
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.0
Gross Receipts
$171,427
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$2,016,156$1,945,339▼ $70,817
Savings and Temporary Cash Investments$1,254,829$1,288,206▲ $33,377
Rtn Earn Endowment Incm Other Fnds$427,639$439,409▲ $11,770
Cash and Non-Interest-Bearing Accounts$113,994$63,558▼ $50,436
Land, Buildings, and Equipment, Net$3,343$19,418▲ $16,075
Prepaid Expenses and Deferred Charges$6,535$3,786▼ $2,749
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,440,446$3,384,187▼ $56,259
Other Assets Total$45,589$63,880▲ $18,291
Liabilities
Other Liabilities$3,002,765$2,940,294▼ $62,471
Accounts Payable and Accrued Expenses$10,042$4,484▼ $5,558
Total Liabilities$3,012,807$2,944,778▼ $68,029
Net Assets / Fund Balance
Total Net Assets Fund Balance$427,639$439,409▲ $11,770
Total Liabilities and Net Assets / Fund Balance$3,440,446$3,384,187▼ $56,259

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$19,418$63,452$82,870
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Denise BonnerManagerFT$41,523$41,523

Board Members and Trustees

NameTitle
Ernest BrewsterPresident
Jim MitchellVice President
Deborah GunselmanBoard Member
Ralph BlakeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$166,149
Investment Income
$5,278
Other Revenue
$0
Change in Net Assets
$11,770
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$93,436
Salaries, Compensation, and Employee Benefits$66,221
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---$41,523
Office Expenses---$29,497
Other Salaries and Wages---$18,718
Occupancy---$13,459
Insurance---$6,805
Payroll Taxes---$5,980
Depreciation Depletion---$4,782
Fees for Services Accounting---$2,701
Other Expenses---$2,421
Fees for Services Legal---$2,385
Conferences and Meetings---$1,066
All Other Expenses---$105
Total Functional Expenses$0$0$0$159,657
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$2,940,294
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
Yes
Conflict-of-interest policy
No
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 by-laws 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

“The responsibility for reviewing the 990 is delegated to the manager.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves all compensation, including the manager's. Their deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the office, 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
48-0645092
Phone
7858651201

Signing Officer

Name
Denise Bonner
Title
Manager
Phone
7858651201
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Denise Bonner
Formed
1956
Legal Domicile
Ks
Voting Board Members
4
Independent Board Members
4
Employees
3
Volunteers
10

Preparer

Phone
9138946214
Raw XML Appendix300 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/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MANAGER
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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 331 LOANS OUTSTANDING TOTALING $2,016,334.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSTS TOTALING $22,259 FOR THE YEAR.
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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 BY-LAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE MANAGER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S. THEIR DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE OFFICE, 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/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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03384187
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102721 WEST 6TH STREET SUITE B
IRS990/USAddress/City0LAWRENCE
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode066049
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DENISE BONNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07858651201
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine10WAKARUSA VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WAKA
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ReturnHeader/Filer/PhoneNum07858651201
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
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ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-11-14T16:11:36-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,384,187
Liabilities
$2,944,778
Net assets
$439,409
Revenue
$171,427
Expenses
$159,657
Net income
$11,770
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.11$0.20$0.10
2023Detailed filing. Detailed filing data is available for this year.$2.19$2.02$0.16$0.13$0.25$0.11
2022Detailed filing. Detailed filing data is available for this year.$2.79$2.52$0.27$0.17$0.17$0.00
2021Detailed filing. Detailed filing data is available for this year.$3.13$2.86$0.27$0.14$0.14$0.00
2020Detailed filing. Detailed filing data is available for this year.$2.62$2.35$0.27$0.13$0.14$0.01
2019Detailed filing. Detailed filing data is available for this year.$2.60$2.32$0.28$0.13$0.16$0.03
2018Detailed filing. Detailed filing data is available for this year.$2.95$2.64$0.31$0.14$0.19$0.05
2017Detailed filing. Detailed filing data is available for this year.$3.17$2.82$0.36$0.14$0.17$0.03
2016Detailed filing. Detailed filing data is available for this year.$3.46$3.07$0.39$0.14$0.16$0.02
2015Detailed filing. Detailed filing data is available for this year.$3.60$3.19$0.41$0.12$0.15$0.03
2014Detailed filing. Detailed filing data is available for this year.$3.61$3.17$0.44$0.16$0.16$0.00
2013Detailed filing. Detailed filing data is available for this year.$3.38$2.94$0.44$0.17$0.16$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.44$3.01$0.43$0.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.25$2.87$0.38$0.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.38$3.06$0.32$0.18