Civic Intelligence

Enterprise Credit Union

EIN 48-0665809 • 501(c)14 • Enterprise, KS

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Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

109 E 1st StEnterprise, KS 67441

www.ecuks.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

99th percentile

0.95x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

57th percentile

13.75x

Higher debt load relative to revenue than 57% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

60th percentile

4.7%

Higher net margin than 60% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

98th percentile

11%

Faster asset growth than 98% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

44th percentile

-3.2%

Faster revenue growth than 44% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$1,555,029

Up $153,823 (+11%) from 2020

Liabilities

Up

$1,475,579

Up $148,421 (+11%) from 2020

Net Assets

Up

$79,450

Up $5,402 (+7.3%) from 2020

Operations
Liabilities / Revenue57th percentileNet Margin60th percentile

Revenue

Down

$107,301

Down $3,579 (-3.2%) from 2020

Expenses

Down

$102,252

Down $8,264 (-7.5%) from 2020

Net Income

Up

$5,049

Up $4,685 (+1287%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth98th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$2.0M$1.5M$1.0M$500K$0Assets 2013: $1,359,851Liabilities 2013: $1,268,392Net Assets 2013: $91,4592013Assets 2014: $1,215,584Liabilities 2014: $1,121,715Net Assets 2014: $93,8692014Assets 2015: $1,307,307Liabilities 2015: $1,219,753Net Assets 2015: $87,5542015Assets 2016: $1,136,335Liabilities 2016: $1,047,025Net Assets 2016: $89,3102016Assets 2017: $1,185,786Liabilities 2017: $1,087,551Net Assets 2017: $98,2352017Assets 2018: $1,281,465Liabilities 2018: $1,173,864Net Assets 2018: $107,6012018Assets 2019: $1,215,511Liabilities 2019: $1,142,176Net Assets 2019: $73,3352019Assets 2020: $1,401,206Liabilities 2020: $1,327,158Net Assets 2020: $74,0482020Assets 2021: $1,555,029Liabilities 2021: $1,475,579Net Assets 2021: $79,4502021

Highlighted filing

2021

Assets$1,555,029
Liabilities$1,475,579
Net Assets$79,450
Open 2021 Filing

Operations Trend

Revenue Growth44th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200K$150K$100K$50K$0-$50KRevenue 2013: $91,757Expenses 2013: $118,364Net Income 2013: -$26,6072013Revenue 2014: $103,626Expenses 2014: $101,216Net Income 2014: $2,4102014Revenue 2015: $101,984Expenses 2015: $107,923Net Income 2015: -$5,9392015Revenue 2016: $100,555Expenses 2016: $99,921Net Income 2016: $6342016Revenue 2017: $116,003Expenses 2017: $107,078Net Income 2017: $8,9252017Revenue 2018: $122,409Expenses 2018: $116,414Net Income 2018: $5,9952018Revenue 2019: $123,902Expenses 2019: $160,591Net Income 2019: -$36,6892019Revenue 2020: $110,880Expenses 2020: $110,516Net Income 2020: $3642020Revenue 2021: $107,301Expenses 2021: $102,252Net Income 2021: $5,0492021

Highlighted filing

2021

Revenue$107,301
Expenses$102,252
Net Income$5,049
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,555,029
Liabilities
$1,475,579
Net assets
$79,450
Revenue
$107,301
Expenses
$102,252
Net income
$5,049
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$1.56$1.48$0.08$0.11$0.10$0.01
2020Detailed filing. Detailed filing data is available for this year.$1.40$1.33$0.07$0.11$0.11$0.00
2019Detailed filing. Detailed filing data is available for this year.$1.22$1.14$0.07$0.12$0.16$0.04
2018Detailed filing. Detailed filing data is available for this year.$1.28$1.17$0.11$0.12$0.12$0.01
2017Detailed filing. Detailed filing data is available for this year.$1.19$1.09$0.10$0.12$0.11$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.14$1.05$0.09$0.10$0.10$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.31$1.22$0.09$0.10$0.11$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.22$1.12$0.09$0.10$0.10$0.00
2013Summary only. Only limited summary data is available for this year.$1.36$1.27$0.09$0.09$0.12$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jul 21, 2022
Return Version
2021v4.0
Gross Receipts
$107,301
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.

Provider of financial services for mutual purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$817,204$1,110,532▲ $293,328
Savings and Temporary Cash Investments$535,128$405,082▼ $130,046
Rtn Earn Endowment Incm Other Fnds$74,048$79,450▲ $5,402
Land, Buildings, and Equipment, Net$13,453$12,646▼ $807
Cash and Non-Interest-Bearing Accounts$18,595$8,685▼ $9,910
Accounts Receivable$67$66▼ $1
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$1,401,206$1,555,029▲ $153,823
Other Assets Total$16,759$18,018▲ $1,259
Liabilities
Other Liabilities$1,299,066$1,432,006▲ $132,940
Accounts Payable and Accrued Expenses$28,092$43,573▲ $15,481
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,327,158$1,475,579▲ $148,421
Net Assets / Fund Balance
Total Net Assets Fund Balance$74,048$79,450▲ $5,402
Total Liabilities and Net Assets / Fund Balance$1,401,206$1,555,029▲ $153,823

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$9,672$47,407$57,079
Land$2,965-$2,965
Equipment$9$967$976
Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Barth AmendChairman
Peter JacksonVice Chairman
Amy RutzBoard Member
Jack CraigBoard Member
MiChele Ohlfs-EagleburgerCredit Union Manager
Deanna StalderSecretary
Sandy JaderborgTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$106,412
Investment Income
$889
Other Revenue
$0
Change in Net Assets
$5,049
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$63,579
Salaries, Compensation, and Employee Benefits$38,673
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$40,722--$40,722
Other Salaries and Wages$35,889--$35,889
Payroll Taxes$2,784--$2,784
Occupancy$2,161--$2,161
Depreciation Depletion$807--$807
Other Expenses$302$0$0$302
Fees for Services Accounting$167--$167
Total Functional Expenses$102,252$0$0$102,252
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
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
No
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 6

“Classes of members or Stockholders the credit union is mutually owned by members.”

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

“Election of Members and their rights. the board of directors are elected by the credit union members.”

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

“Decisions subject to approval of members significant changes, such as changes to bylaws and mergers, 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

“Organization's process to review Form 990 the manager provides information to the outside accounting firm preparing the Form 990, reviews the completed return and presents it to the board of directors before filing.”

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

“Enforcement of Conflicts Policy. Enforcement of Conflicts Policy was administered through the supervisory committee at a minimum of quarterly.”

Form 990, Part VI, Section C, Line 19

“Governing documents disclosure explanation financial statements are posted in the 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
Enterprise Credit Union
EIN
48-0665809
Phone
7852638292
Address
109 E 1st St, Enterprise, KS 67441

Signing Officer

Name
MiChele Eagleburger
Title
CEO
Phone
7852638292
Signed
2022-07-21

Organization Details

Principal Officer
Barth Amend
Formed
1949
Legal Domicile
Ks
Voting Board Members
6
Independent Board Members
0
Employees
1
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Other changes in Net Assets Eplanation Book/Tax Depreciation Difference -352 Book to Tax Depreciation 702 Total 353”

Raw XML AppendixShowing 400 of 421 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/ProgramServiceRevenueGrp/Desc1Fees Ect
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt070630
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt135782
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt070630
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt135782
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Provides a source of credit to members at a fair and reasonable rate of interest. As of December 31, 2020 there were 171 loans outstanding totaling $1,144,102.85.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Paid dividends on member deposits totaling $11,675.35.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0359
IRS990/PYOtherExpensesAmt064257
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0110521
IRS990/PYRevenuesLessExpensesAmt0364
IRS990/PYSalariesCompEmpBnftPaidAmt046259
IRS990/PYTotalExpensesAmt0110516
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0110880
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt05049
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0107301
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt074048
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt079450
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0535128
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0405082
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt09
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0967
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0976
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt01432006
IRS990ScheduleD/LandGrp/BookValueAmt02965
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02965
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt09672
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt047407
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt057079
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012646
IRS990ScheduleD/TotalLiabilityAmt01432006
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Classes of members or Stockholders the credit union is mutually owned by members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Election of Members and their rights. the board of directors are elected by the credit union members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Decisions subject to approval of members significant changes, such as changes to bylaws and mergers, are subject to approval by the credit union members. However, no such changes were made during the year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Organization's process to review Form 990 the manager provides information to the outside accounting firm preparing the Form 990, reviews the completed return and presents it to the board of directors before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Enforcement of Conflicts Policy. Enforcement of Conflicts Policy was administered through the supervisory committee at a minimum of quarterly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents disclosure explanation financial statements are posted in the 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/ExplanationTxt6Other changes in Net Assets Eplanation Book/Tax Depreciation Difference -352 Book to Tax Depreciation 702 Total 353
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01401206
IRS990/TotalAssetsEOYAmt01555029
IRS990/TotalAssetsGrp/BOYAmt01401206
IRS990/TotalAssetsGrp/EOYAmt01555029
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0102252
IRS990/TotalFunctionalExpensesGrp/TotalAmt0102252
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01327158
IRS990/TotalLiabilitiesEOYAmt01475579
IRS990/TotalLiabilitiesGrp/BOYAmt01327158
IRS990/TotalLiabilitiesGrp/EOYAmt01475579
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt074048
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt079450
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0102252
IRS990/TotalProgramServiceRevenueAmt0106412
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0107301
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0107301
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01401206
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01555029
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01805 NW 10th St
IRS990/USAddress/CityNm0Abilene
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067410
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.ecuks.com
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0Needed to get approval at the Board Meeting scheduled for 7/21/2022.
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2

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