Civic Intelligence

Enterprise Credit Union

990 • Fiscal year 2014 • EIN 48-0665809

Jan 01, 2014 to Dec 31, 2014 • Filed on May 04, 2015

Organization Profilewww.ecuks.com

View Organization Page

PO Box 12Enterprise, KS 67441

(785) 263-8292

Siviq Scores

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

Liabilities / Assets

98th percentile

0.92x

Higher debt load relative to assets than 98% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

22nd percentile

10.82x

Higher debt load relative to revenue than 22% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

47th percentile

2.3%

Higher net margin than 47% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

10th percentile

-11%

Faster asset growth than 10% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

95th percentile

13%

Faster revenue growth than 95% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$1,215,584

Down $144,267 (-11%) from 2013

Net Assets

Up

$93,869

Up $2,410 (+2.6%) from 2013

Liabilities

Down

$1,121,715

Down $146,677 (-12%) from 2013

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin47th percentile

Revenue

Up

$103,626

Up $11,869 (+13%) from 2013

Expenses

Down

$101,216

Down $17,148 (-14%) from 2013

Net Income

Up

$2,410

Up $29,017 (+109%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$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

2014

Assets$1,215,584
Liabilities$1,121,715
Net Assets$93,869
Open 2014 Filing

Operations Trend

Revenue Growth95th percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$103,626
Expenses$101,216
Net Income$2,410
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 4, 2015
Return Version
2014v5.0
Gross Receipts
$103,626
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$1,000,070$1,022,932▲ $22,862
Savings and Temporary Cash Investments$293,947$137,980▼ $155,967
Rtn Earn Endowment Incm Other Fnds$91,459$93,869▲ $2,410
Land, Buildings, and Equipment, Net$33,097$29,627▼ $3,470
Cash and Non-Interest-Bearing Accounts$14,210$8,625▼ $5,585
Accounts Receivable$444$824▲ $380
Total Assets$1,359,851$1,215,584▼ $144,267
Other Assets Total$18,083$15,596▼ $2,487
Liabilities
Other Liabilities$1,234,276$1,091,096▼ $143,180
Accounts Payable and Accrued Expenses$34,116$30,619▼ $3,497
Total Liabilities$1,268,392$1,121,715▼ $146,677
Net Assets / Fund Balance
Total Net Assets Fund Balance$91,459$93,869▲ $2,410
Total Liabilities and Net Assets / Fund Balance$1,359,851$1,215,584▼ $144,267

Asset Categories

AssetBook ValueDepreciationBasis
Land$2,965-$2,965
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Barth AmendChairman
Lyle DiehlVice Chair
Dana GirardBoard Member
Timothy ClarkBoard Member
Michele Ohlfs-eagleburgerManager
Deanna StalderSecretary-tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$103,404
Investment Income
$222
Other Revenue
$0
Change in Net Assets
$2,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$51,361
Salaries, Compensation, and Employee Benefits$49,855
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$49,689
Office Expenses---$28,702
Depreciation Depletion---$3,292
Fees for Services Accounting---$2,400
Occupancy---$1,694
Other Expenses---$972
Pension Plan Contributions---$345
All Other Expenses---$209
Advertising---$176
Payroll Taxes---$-179
Total Functional Expenses$0$0$0$101,216
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$1,091,094
Rounding$2
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 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, Page 6, Part VI, Line 6

“The credit union is mutually owned by members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors are elected by the credit union members.”

Form 990, Page 6, Part VI, Line 7B

“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, Page 6, Part VI, Line 11B

“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, Page 6, Part VI, Line 12C

“Enforcement of the conflicts policy was administered through the supervisory committee at a minimum of quarterly.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted in the lobby, presented at the annual meeting and are available upon request. In addition, the ncua website posts financial intormation 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
PO BOX 12, ENTERPRISE, KS 67441

Signing Officer

Name
Michele Eagleburger
Title
Manager
Phone
7852638292
Signed
2015-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michele Eagleburger
Formed
1949
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
2

Preparer

Firm
Jaderborg Accounting Inc
Address
PO BOX 94, ABILENE, KS 67410-0094
Preparer
Sandy D Jaderborg Ea
Phone
7854796519
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provides financial and financially related services to 453 members.”

Raw XML Appendix294 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.

Path#Value
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IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY-TR
IRS990/Form990PartVIISectionAGrp/TitleTxt5MANAGER
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
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IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt032
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt033097
IRS990/LandBldgEquipBasisNetGrp/EOYAmt029627
IRS990/LandBldgEquipCostOrOtherBssAmt056366
IRS990/LegalDomicileStateCd0KS
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd0false
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IRS990/NetAssetsOrFundBalancesBOYAmt091459
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IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt01694
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IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2NCUA STABILIZATION/KCUA
IRS990/OtherExpensesGrp/Desc3MISC. OPERATING EXPENSES
IRS990/OtherExpensesGrp/TotalAmt08565
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IRS990/PayrollTaxesGrp/TotalAmt0-179
IRS990/PensionPlanContributionsGrp/TotalAmt0345
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0MICHELE EAGLEBURGER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES ETC.
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
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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, 2014, THERE WERE 186 LOANS OUTSTANDING TOTALING 1,086,261.52.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING 1,947.55 FOR THE YEAR.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 453 MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 453 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SIGNIFICANT 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/ExplanationTxt4THE 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/ExplanationTxt5ENFORCEMENT OF THE CONFLICTS POLICY WAS ADMINISTERED THROUGH THE SUPERVISORY COMMITTEE AT A MINIMUM OF QUARTERLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INTORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/USAddress/CityNm0ENTERPRISE
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IRS990/USAddress/ZIPCd067441
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELE EAGLEBURGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07852638292
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ENTERPRISE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ENTE
ReturnHeader/Filer/EIN0480665809
ReturnHeader/Filer/PhoneNum07852638292
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 12
ReturnHeader/Filer/USAddress/CityNm0ENTERPRISE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067441
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0452363073
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JADERBORG ACCOUNTING INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 94
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ABILENE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0674100094
ReturnHeader/PreparerPersonGrp/PhoneNum07854796519
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SANDY D JADERBORG EA
ReturnHeader/ReturnTs02015-05-08T13:59:10-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,215,584
Liabilities
$1,121,715
Net assets
$93,869
Revenue
$103,626
Expenses
$101,216
Net income
$2,410
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