Civic Intelligence

Wakarusa Valley Credit Union

990 • Fiscal year 2016 • EIN 48-0645092

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 28, 2017

Organization ProfileN/A
2721 WEST 6TH STREET No BLawrence, KS 66049-4302

(785) 865-1201

Siviq Scores

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

Liabilities / Assets

79th percentile

0.89x

Higher debt load relative to assets than 79% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

67th percentile

21.99x

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

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

19th percentile

-16%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

68th percentile

$42,073

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 30.1% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

30th percentile

-4.0%

Faster asset growth than 30% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

96th percentile

13%

Faster revenue growth than 96% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$3,459,036

Down $144,136 (-4.0%) from 2015

Net Assets

Down

$388,838

Down $22,221 (-5.4%) from 2015

Liabilities

Down

$3,070,198

Down $121,915 (-3.8%) from 2015

Revenue And Expenses
Liabilities / Revenue67th percentileNet Margin19th percentile

Revenue

Up

$139,595

Up $15,980 (+13%) from 2015

Expenses

Up

$161,816

Up $7,357 (+4.8%) from 2015

Net Income

Up

-$22,221

Up $8,623 (+28%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2016

Assets$3,459,036
Liabilities$3,070,198
Net Assets$388,838
Open 2016 Filing

Operations Trend

Revenue Growth96th percentile

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

2016

Revenue$139,595
Expenses$161,816
Net Income-$22,221
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 28, 2017
Return Version
2016v3.0
Gross Receipts
$139,595
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$1,874,782$1,953,332▲ $78,550
Savings and Temporary Cash Investments$1,554,053$1,395,459▼ $158,594
Rtn Earn Endowment Incm Other Fnds$411,059$388,838▼ $22,221
Cash and Non-Interest-Bearing Accounts$118,593$63,299▼ $55,294
Land, Buildings, and Equipment, Net$11,549$5,923▼ $5,626
Prepaid Expenses and Deferred Charges$3,613$1,685▼ $1,928
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,603,172$3,459,036▼ $144,136
Other Assets Total$40,582$39,338▼ $1,244
Liabilities
Other Liabilities$3,185,693$3,065,601▼ $120,092
Accounts Payable and Accrued Expenses$6,420$4,597▼ $1,823
Total Liabilities$3,192,113$3,070,198▼ $121,915
Net Assets / Fund Balance
Total Net Assets Fund Balance$411,059$388,838▼ $22,221
Total Liabilities and Net Assets / Fund Balance$3,603,172$3,459,036▼ $144,136

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,923$81,380$87,303
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Cheryl Denise BonnerManagerFT$42,073$42,073

Board Members and Trustees

NameTitle
Jim MitchellPresident
Ernest BrewsterVice President
Deborah GunselmanBoard Member
Steve BonebrakeSecretary
Ralph BlakeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$122,352
Investment Income
$17,243
Other Revenue
$0
Change in Net Assets
$-22,221
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$104,085
Salaries, Compensation, and Employee Benefits$57,731
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---$42,073
Office Expenses---$32,155
Occupancy---$14,507
Other Salaries and Wages---$11,334
Insurance---$7,651
Depreciation Depletion---$5,976
Payroll Taxes---$4,324
Fees for Services Legal---$2,119
Other Expenses---$1,962
Fees for Services Accounting---$1,372
Conferences and Meetings---$1,330
Total Functional Expenses$0$0$0$161,816
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$3,065,601
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
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 11B

“The manager reviews the form 990 before filing and posts a copy in the credit union lobby.”

Form 990, Part VI, Section B, line 15A

“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

Filer Name
Wakarusa Valley Credit Union
EIN
48-0645092
Phone
7858651201
Address
2721 WEST 6TH STREET No B, LAWRENCE, KS 66049-4302

Signing Officer

Name
Cheryl Denise Bonner
Title
Manager
Phone
7858651201
Signed
2017-10-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cheryl Denise Bonner
Formed
1956
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix314 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/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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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, 2016, THERE WERE 277 LOANS OUTSTANDING TOTALING $1,984,082.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSTS TOTALING $17,537 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 MANAGER REVIEWS THE FORM 990 BEFORE FILING AND POSTS A COPY IN THE CREDIT UNION LOBBY.
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 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
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IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt03603172
IRS990/TotalAssetsEOYAmt03459036
IRS990/TotalAssetsGrp/BOYAmt03603172
IRS990/TotalAssetsGrp/EOYAmt03459036
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0161816
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03192113
IRS990/TotalLiabilitiesEOYAmt03070198
IRS990/TotalLiabilitiesGrp/BOYAmt03192113
IRS990/TotalLiabilitiesGrp/EOYAmt03070198
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0411059
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0388838
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0122352
IRS990/TotalReportableCompFromOrgAmt042073
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0139595
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0139595
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03603172
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03459036
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd0660494302
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHERYL DENISE BONNER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07858651201
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WAKARUSA VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WAKA
ReturnHeader/Filer/EIN0480645092
ReturnHeader/Filer/PhoneNum07858651201
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-10-28
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm012:23:00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02017-10-28T12:23:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,459,036
Liabilities
$3,070,198
Net assets
$388,838
Revenue
$139,595
Expenses
$161,816
Net income
-$22,221
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