Civic Intelligence

Wakarusa Valley Credit Union

990 • Fiscal year 2018 • EIN 48-0645092

Jan 01, 2018 to Dec 31, 2018 • Filed on Jun 21, 2019

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

86th percentile

0.90x

Higher debt load relative to assets than 86% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

64th percentile

19.39x

Higher debt load relative to revenue than 64% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

7th percentile

-37%

Higher net margin than 7% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

68th percentile

$42,809

Higher top officer pay than 68% of similar nonprofits.

Top officer pay equals 31.4% of source-year revenue.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Asset Growth

24th percentile

-7.1%

Faster asset growth than 24% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

15th percentile

-2.8%

Faster revenue growth than 15% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$2,949,150

Down $225,193 (-7.1%) from 2017

Net Assets

Down

$307,824

Down $50,241 (-14%) from 2017

Liabilities

Down

$2,641,326

Down $174,952 (-6.2%) from 2017

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin7th percentile

Revenue

Down

$136,250

Down $3,934 (-2.8%) from 2017

Expenses

Up

$186,491

Up $15,534 (+9.1%) from 2017

Net Income

Down

-$50,241

Down $19,468 (-63%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth24th 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

2018

Assets$2,949,150
Liabilities$2,641,326
Net Assets$307,824
Open 2018 Filing

Operations Trend

Revenue Growth15th 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

2018

Revenue$136,250
Expenses$186,491
Net Income-$50,241
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Jun 21, 2019
Return Version
2018v3.1
Gross Receipts
$136,250
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$1,906,570$1,651,868▼ $254,702
Savings and Temporary Cash Investments$1,135,595$1,192,834▲ $57,239
Rtn Earn Endowment Incm Other Fnds$358,065$307,824▼ $50,241
Cash and Non-Interest-Bearing Accounts$80,909$53,694▼ $27,215
Prepaid Expenses and Deferred Charges$5,247$5,770▲ $523
Land, Buildings, and Equipment, Net$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,174,343$2,949,150▼ $225,193
Other Assets Total$46,022$44,984▼ $1,038
Liabilities
Other Liabilities$2,804,367$2,631,589▼ $172,778
Accounts Payable and Accrued Expenses$11,911$9,737▼ $2,174
Total Liabilities$2,816,278$2,641,326▼ $174,952
Net Assets / Fund Balance
Total Net Assets Fund Balance$358,065$307,824▼ $50,241
Total Liabilities and Net Assets / Fund Balance$3,174,343$2,949,150▼ $225,193

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$87,303$87,303
Compensation and Service Providers
Top Officer Pay68th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Cheryl Denise BonnerManagerFT$42,809$42,809

Board Members and Trustees

NameTitle
Jim MitchellPresident
Catherine ScruggsBoard Member
Deborah GunselmanBoard Member
Steve BonebrakeSecretary
Ralph BlakeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$115,422
Investment Income
$20,828
Other Revenue
$0
Change in Net Assets
$-50,241
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$128,360
Salaries, Compensation, and Employee Benefits$58,131
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---$42,809
Office Expenses---$39,085
Occupancy---$14,631
Other Salaries and Wages---$10,973
Insurance---$6,906
Payroll Taxes---$4,349
Other Expenses---$2,822
Conferences and Meetings---$1,315
Fees for Services Legal---$844
Fees for Services Accounting---$595
Advertising---$11
Total Functional Expenses$0$0$0$186,491
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$2,631,589
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
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

“Certain significant changes 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 form 990 is reviewed by the manager and presented to the board of directors.”

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

“The board of directors reviews and approves all compensation, including the manager's. 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
2019-06-21
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
2
Volunteers
7

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Raw XML Appendix316 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/AdvertisingGrp/TotalAmt011
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IRS990/BooksInCareOfDetail/PhoneNum07858651201
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IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
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, 2018, THERE WERE 219 LOANS OUTSTANDING TOTALING $1,672,841.
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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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE MANAGER AND PRESENTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S. 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/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsEOYAmt02949150
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IRS990/TotalAssetsGrp/EOYAmt02949150
IRS990/TotalCompGreaterThan150KInd00
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IRS990/TotalLiabilitiesEOYAmt02641326
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IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
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ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,949,150
Liabilities
$2,641,326
Net assets
$307,824
Revenue
$136,250
Expenses
$186,491
Net income
-$50,241
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $1M-$5M nonprofits