Civic Intelligence

Frontier Community Credit Union

990 • Fiscal year 2020 • EIN 48-0663659

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 25, 2021

Organization ProfileWWW.FRONTIERCCU.ORG

View Organization Page

690 Eisenhower RoadLeavenworth, KS 66048-4800

(913) 651-6575

Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

23rd percentile

16.23x

Higher debt load relative to revenue than 23% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

11th percentile

0.3%

Higher net margin than 11% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

43rd percentile

$204,560

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

9th percentile

8.0%

Faster asset growth than 9% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

82nd percentile

3.3%

Faster revenue growth than 82% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$159,317,595

Up $11,866,028 (+8.0%) from 2019

Net Assets

Up

$17,977,199

Up $459,749 (+2.6%) from 2019

Liabilities

Up

$141,340,396

Up $11,406,279 (+8.8%) from 2019

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin11th percentile

Revenue

Up

$8,706,131

Up $281,812 (+3.3%) from 2019

Expenses

Up

$8,678,369

Up $535,493 (+6.6%) from 2019

Net Income

Down

$27,762

Down $253,681 (-90%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth9th percentile

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

$300M$200M$100M$0Assets 2010: $97,073,021Liabilities 2010: $85,032,520Net Assets 2010: $12,040,5012010Assets 2011: $103,642,934Liabilities 2011: $90,298,678Net Assets 2011: $13,344,2562011Assets 2012: $109,194,637Liabilities 2012: $95,204,217Net Assets 2012: $13,990,4202012Assets 2013: $111,735,658Liabilities 2013: $96,947,305Net Assets 2013: $14,788,3532013Assets 2014: $114,151,911Liabilities 2014: $98,806,183Net Assets 2014: $15,345,7282014Assets 2015: $119,603,251Liabilities 2015: $103,809,019Net Assets 2015: $15,794,2322015Assets 2016: $123,325,809Liabilities 2016: $107,223,603Net Assets 2016: $16,102,2062016Assets 2017: $129,723,812Liabilities 2017: $113,190,334Net Assets 2017: $16,533,4782017Assets 2018: $145,582,615Liabilities 2018: $128,346,608Net Assets 2018: $17,236,0072018Assets 2019: $147,451,567Liabilities 2019: $129,934,117Net Assets 2019: $17,517,4502019Assets 2020: $159,317,595Liabilities 2020: $141,340,396Net Assets 2020: $17,977,1992020Assets 2021: $177,390,013Liabilities 2021: $158,516,428Net Assets 2021: $18,873,5852021Assets 2022: $189,315,193Liabilities 2022: $171,097,252Net Assets 2022: $18,217,9412022Assets 2023: $209,223,552Liabilities 2023: $191,609,932Net Assets 2023: $17,613,6202023Assets 2024: $200,933,366Liabilities 2024: $183,968,289Net Assets 2024: $16,965,0772024

Highlighted filing

2020

Assets$159,317,595
Liabilities$141,340,396
Net Assets$17,977,199
Open 2020 Filing

Operations Trend

Revenue Growth82nd percentile

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $4,928,0272010Expenses 2011: $4,362,7902011Expenses 2012: $4,360,6502012Revenue 2013: $4,606,265Expenses 2013: $3,851,946Net Income 2013: $754,3192013Revenue 2014: $4,575,127Expenses 2014: $4,017,752Net Income 2014: $557,3752014Revenue 2015: $4,721,347Expenses 2015: $4,272,843Net Income 2015: $448,5042015Revenue 2016: $5,244,954Expenses 2016: $4,936,980Net Income 2016: $307,9742016Revenue 2017: $6,452,123Expenses 2017: $6,020,851Net Income 2017: $431,2722017Revenue 2018: $7,536,931Expenses 2018: $6,834,402Net Income 2018: $702,5292018Revenue 2019: $8,424,319Expenses 2019: $8,142,876Net Income 2019: $281,4432019Revenue 2020: $8,706,131Expenses 2020: $8,678,369Net Income 2020: $27,7622020Revenue 2021: $9,258,692Expenses 2021: $8,133,954Net Income 2021: $1,124,7382021Revenue 2022: $9,882,689Expenses 2022: $9,293,801Net Income 2022: $588,8882022Revenue 2023: $11,877,062Expenses 2023: $12,523,760Net Income 2023: -$646,6982023Revenue 2024: $14,398,204Expenses 2024: $15,068,673Net Income 2024: -$670,4692024

Highlighted filing

2020

Revenue$8,706,131
Expenses$8,678,369
Net Income$27,762
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 25, 2021
Return Version
2020v4.1
Gross Receipts
$9,569,378
Mission and Program Overview

Mission

As a member owned financial cooperative, our mission is: to provide financial products and services in a professional, friendly, and convenient atmosphere through innovation, technology, and cost effective products. To encourage and educate our members in methods to manage and control their financial well being. To apply safe and sound financial management policies that insure the credit union's continued growth, by maintaining adequate operating controls, capital reserves, and liquidity at all times.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$112,719,926$119,063,183▲ $6,343,257
Savings and Temporary Cash Investments$21,804,442$18,720,806▼ $3,083,636
Rtn Earn Endowment Incm Other Fnds$17,517,450$17,977,199▲ $459,749
Land, Buildings, and Equipment, Net$4,816,088$5,912,035▲ $1,095,947
Investments Other Securities$1,648,100$5,270,228▲ $3,622,128
Receivables From Officers Etc$1,859,387$1,896,354▲ $36,967
Cash and Non-Interest-Bearing Accounts$777,575$1,097,495▲ $319,920
Prepaid Expenses and Deferred Charges$277,882$293,931▲ $16,049
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$147,451,567$159,317,595▲ $11,866,028
Other Assets Total$3,548,167$7,063,563▲ $3,515,396
Liabilities
Other Liabilities$129,244,751$140,177,199▲ $10,932,448
Accounts Payable and Accrued Expenses$693,009$1,143,138▲ $450,129
Escrow Account Liability$-3,643$20,059▲ $23,702
Total Liabilities$129,934,117$141,340,396▲ $11,406,279
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,517,450$17,977,199▲ $459,749
Total Liabilities and Net Assets / Fund Balance$147,451,567$159,317,595▲ $11,866,028

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,680,159$820,275$4,500,434
Equipment$1,338,956$397,538$1,736,494
Land$892,920-$892,920
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael AugustinePresident/CEOFT$196,149$8,411$204,560
Darrin DepriestEvp - Chief Lending OfficerFT$120,281$6,925$127,206
Alex ZimmermanChief Financial OfficerFT$111,624$8,791$120,415
Donald HomanVice Chairperson--$286$286

Board Members and Trustees

NameTitle
Carol PerryChairperson
Bill HeinenDirector
Fredericka BraconnierDirector
Jeff PorterDirector
Ronald HarrodSecretary
Judy GuentherTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$1,500
Program Service Revenue
$8,425,650
Investment Income
$250,610
Other Revenue
$28,371
All Other Contributions
$1,500
Change in Net Assets
$27,762
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,669,723
Salaries, Compensation, and Employee Benefits$2,962,677
Grants and Similar Amounts Paid$45,969
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,063,717
Office Expenses---$1,024,369
All Other Expenses---$528,043
Current Officers, Directors, Trustees, and Key Employees---$452,467
Fees for Services Other---$328,030
Advertising---$287,519
Depreciation Depletion---$274,090
Occupancy---$225,201
Payroll Taxes---$199,246
Other Employee Benefits---$152,247
Pension Plan Contributions---$95,000
Insurance---$80,094
Fees for Services Accounting---$66,357
Conferences and Meetings---$46,045
Grants to Domestic Orgs---$43,969
Other Expenses---$36,289
Travel---$35,395
Fees for Service Investment Mgmnt Fees---$13,632
Fees for Services Legal---$9,544
Grants to Domestic Individuals---$2,000
Interest---$8
Total Functional Expenses$0$0$0$8,678,369
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Leavenworth Interfaith Community of Hope IncLeavenworth, KS501(c)(3)Support the Interfaith Shelter of Hope in Their Efforts to Improve the Quality of Life for the Homeless in the Community$15,000
Catholic Charities of Northeast Kansas IncOverland Park, KS501(c)(3)Provide Assistance to Individuals and Families in Need Across Northeast Kansas$6,000
Leavenworth Mission IncLeavenworth, KS501(c)(3)Support the Community Store & Food Pantry and Other Charitable Operations$6,000
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,000
Total Exempt Function Spending$1,000

Section 527 Organizations

OrganizationLocationAmount
48-0288307Topeka, KS$1,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,859,387$1,896,354▲ $36,967
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$140,177,199
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 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
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 2

“Director, jeff porter, is the stepson of board vice chairman, donald homan.”

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 president/ceo reviews the form 990 before filing.”

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

“Annually, employees, officers and directors sign an agreement of understanding of insider policy and an employee/volunteer conflict of interest statement that requires disclosure of any related parties and possible conflicts of interest. The signed documents are maintained on file at the credit union.”

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

“Frontier community credit union utilizes a compensation service that provides market specific/position specific pay data. Compensation for officers and key employees as well as an annual budget is approved by the board of directors. The board approves annual pay increases. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby, 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
Frontier Community Credit Union
EIN
48-0663659
Phone
9136516575
Address
690 EISENHOWER ROAD, LEAVENWORTH, KS 66048-4800

Signing Officer

Name
Michael Augustine
Title
President/CEO
Phone
9136516575
Signed
2021-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Augustine
Formed
1954
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
74
Volunteers
11

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 2

“River cities community credit union in atchison, ks was merged into the credit union as of august 1, 2020.”

FORM 990, PART XI, LINE 9:

“Equity acquired in merger with river cities community credit union 437,371.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans. Several credit union employees have been trained by cuna as certified financial counselors and provide credit counseling services to members, as needed.”

Raw XML AppendixShowing 400 of 476 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/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0AS A MEMBER OWNED FINANCIAL COOPERATIVE, OUR MISSION IS: TO PROVIDE FINANCIAL PRODUCTS AND SERVICES IN A PROFESSIONAL, FRIENDLY, AND CONVENIENT ATMOSPHERE THROUGH INNOVATION, TECHNOLOGY, AND COST EFFECTIVE PRODUCTS. TO ENCOURAGE AND EDUCATE OUR MEMBERS IN METHODS TO MANAGE AND CONTROL THEIR FINANCIAL WELL BEING. TO APPLY SAFE AND SOUND FINANCIAL MANAGEMENT POLICIES THAT INSURE THE CREDIT UNION'S CONTINUED GROWTH, BY MAINTAINING ADEQUATE OPERATING CONTROLS, CAPITAL RESERVES, AND LIQUIDITY AT ALL TIMES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt017517450
IRS990/NetAssetsOrFundBalancesEOYAmt017977199
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-52354
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-52354
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-5384
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0225201
IRS990/OfficeExpensesGrp/TotalAmt01024369
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03548167
IRS990/OtherAssetsTotalGrp/EOYAmt07063563
IRS990/OtherChangesInNetAssetsAmt0437371
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0152247
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt01097936
IRS990/OtherExpensesGrp/TotalAmt11041649
IRS990/OtherExpensesGrp/TotalAmt2575522
IRS990/OtherExpensesGrp/TotalAmt336289
IRS990/OtherLiabilitiesGrp/BOYAmt0129244751
IRS990/OtherLiabilitiesGrp/EOYAmt0140177199
IRS990/OtherSalariesAndWagesGrp/TotalAmt02063717
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0112719926
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0119063183
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0199246
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt095000
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0277882
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0293931
IRS990/PrincipalOfficerNm0MICHAEL AUGUSTINE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt06281742
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12079595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt06281742
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12141608
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22300
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt062013
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt12300
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2020, THERE WERE 13,820 LOANS OUTSTANDING TOTALING $118,296,711.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,041,649 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt01500
IRS990/PYGrantsAndSimilarPaidAmt036902
IRS990/PYInvestmentIncomeAmt0484336
IRS990/PYOtherExpensesAmt05127198
IRS990/PYOtherRevenueAmt028139
IRS990/PYProgramServiceRevenueAmt07910344
IRS990/PYRevenuesLessExpensesAmt0281443
IRS990/PYSalariesCompEmpBnftPaidAmt02978776
IRS990/PYTotalExpensesAmt08142876
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt08424319
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01859387
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01896354
IRS990/ReconcilationRevenueExpnssAmt027762
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt028371
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt028371
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017517450
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017977199
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021804442
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018720806
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt01000
IRS990ScheduleC/PoliticalExpendituresAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0480288307
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CREDIT UNION PAC OF KANSAS
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0901 SW TOPEKA BLVD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0TOPEKA
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0KS
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd066612
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO THE CREDIT UNION PAC OF KANSAS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt01000
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03680159
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0820275
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04500434
IRS990ScheduleD/EquipmentGrp/BookValueAmt01338956
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0397538
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01736494
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0892920
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0892920
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0140177199
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. SEVERAL CREDIT UNION EMPLOYEES HAVE BEEN TRAINED BY CUNA AS CERTIFIED FINANCIAL COUNSELORS AND PROVIDE CREDIT COUNSELING SERVICES TO MEMBERS, AS NEEDED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05912035
IRS990ScheduleD/TotalLiabilityAmt0140177199
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/RecipientTable/CashGrantAmt015000
IRS990ScheduleI/RecipientTable/CashGrantAmt16000
IRS990ScheduleI/RecipientTable/CashGrantAmt26000
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc1501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc2501(C)(3)
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0SUPPORT THE INTERFAITH SHELTER OF HOPE IN THEIR EFFORTS TO IMPROVE THE QUALITY OF LIFE FOR THE HOMELESS IN THE COMMUNITY
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1PROVIDE ASSISTANCE TO INDIVIDUALS AND FAMILIES IN NEED ACROSS NORTHEAST KANSAS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2SUPPORT THE COMMUNITY STORE & FOOD PANTRY AND OTHER CHARITABLE OPERATIONS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0LEAVENWORTH INTERFAITH COMMUNITY OF HOPE INC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1CATHOLIC CHARITIES OF NORTHEAST KANSAS INC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt2LEAVENWORTH MISSION INC
IRS990ScheduleI/RecipientTable/RecipientEIN0473915085
IRS990ScheduleI/RecipientTable/RecipientEIN1481181305
IRS990ScheduleI/RecipientTable/RecipientEIN2272178535
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0311 KIOWA
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt19720 W 87TH STREET
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt21140 SPRUCE STREET
IRS990ScheduleI/RecipientTable/USAddress/CityNm0LEAVENWORTH
IRS990ScheduleI/RecipientTable/USAddress/CityNm1OVERLAND PARK
IRS990ScheduleI/RecipientTable/USAddress/CityNm2LEAVENWORTH
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0KS
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd1KS
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd2KS
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd066048
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd166212
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd266048
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0196149
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07672
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MICHAEL AUGUSTINE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0204560
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0FRONTIER COMMUNITY CREDIT UNION UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. COMPENSATION FOR OFFICERS AND KEY EMPLOYEES AS WELL AS AN ANNUAL BUDGET IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD APPROVES ANNUAL PAY INCREASES. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS FOR THE PRESIDENT, MICHAEL AUGUSTINE, THROUGH A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT. SEE SCHEDULE L FOR DETAILS OF THE RELATED LOAN OUTSTANDING.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01896354
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0COLLATERAL ASSIGNMENT SPLIT-DOLLAR AGREEMENT WITH LIMITED RECOURSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01750000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MICHAEL AUGUSTINE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt01896354
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RIVER CITIES COMMUNITY CREDIT UNION IN ATCHISON, KS WAS MERGED INTO THE CREDIT UNION AS OF AUGUST 1, 2020.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DIRECTOR, JEFF PORTER, IS THE STEPSON OF BOARD VICE CHAIRMAN, DONALD HOMAN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT/CEO REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ANNUALLY, EMPLOYEES, OFFICERS AND DIRECTORS SIGN AN AGREEMENT OF UNDERSTANDING OF INSIDER POLICY AND AN EMPLOYEE/VOLUNTEER CONFLICT OF INTEREST STATEMENT THAT REQUIRES DISCLOSURE OF ANY RELATED PARTIES AND POSSIBLE CONFLICTS OF INTEREST. THE SIGNED DOCUMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FRONTIER COMMUNITY CREDIT UNION UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. COMPENSATION FOR OFFICERS AND KEY EMPLOYEES AS WELL AS AN ANNUAL BUDGET IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD APPROVES ANNUAL PAY INCREASES. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY, 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/ExplanationTxt9EQUITY ACQUIRED IN MERGER WITH RIVER CITIES COMMUNITY CREDIT UNION 437,371.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd01
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$159,317,595
Liabilities
$141,340,396
Net assets
$17,977,199
Revenue
$8,706,131
Expenses
$8,678,369
Net income
$27,762
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$201$184$17.0$14.4$15.1$0.67
2023Detailed filing. Detailed filing data is available for this year.$209$192$17.6$11.9$12.5$0.65
2022Detailed filing. Detailed filing data is available for this year.$189$171$18.2$9.88$9.29$0.59
2021Detailed filing. Detailed filing data is available for this year.$177$159$18.9$9.26$8.13$1.12
2020Detailed filing. Detailed filing data is available for this year.$159$141$18.0$8.71$8.68$0.03
2019Detailed filing. Detailed filing data is available for this year.$147$130$17.5$8.42$8.14$0.28
2018Detailed filing. Detailed filing data is available for this year.$146$128$17.2$7.54$6.83$0.70
2017Detailed filing. Detailed filing data is available for this year.$130$113$16.5$6.45$6.02$0.43
2016Detailed filing. Detailed filing data is available for this year.$123$107$16.1$5.24$4.94$0.31
2015Detailed filing. Detailed filing data is available for this year.$120$104$15.8$4.72$4.27$0.45
2014Detailed filing. Detailed filing data is available for this year.$114$98.8$15.3$4.58$4.02$0.56
2013Detailed filing. Detailed filing data is available for this year.$112$96.9$14.8$4.61$3.85$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$95.2$14.0$4.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$90.3$13.3$4.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.1$85.0$12.0$4.93