Civic Intelligence

Enterprise Credit Union

990 • Fiscal year 2015 • EIN 48-0665809

Jan 01, 2015 to Dec 31, 2015 • Filed on May 04, 2016

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

99th percentile

0.93x

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

29th percentile

11.96x

Higher debt load relative to revenue than 29% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Net Margin

26th percentile

-5.8%

Higher net margin than 26% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$0

Higher top officer pay than 22% of similar nonprofits.

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

2015 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2015

Asset Growth

88th percentile

7.5%

Faster asset growth than 88% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

46th percentile

-1.6%

Faster revenue growth than 46% of similar nonprofits.

2015 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$1,307,307

Up $91,723 (+7.5%) from 2014

Net Assets

Down

$87,554

Down $6,315 (-6.7%) from 2014

Liabilities

Up

$1,219,753

Up $98,038 (+8.7%) from 2014

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin26th percentile

Revenue

Down

$101,984

Down $1,642 (-1.6%) from 2014

Expenses

Up

$107,923

Up $6,707 (+6.6%) from 2014

Net Income

Down

-$5,939

Down $8,349 (-346%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth88th 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

2015

Assets$1,307,307
Liabilities$1,219,753
Net Assets$87,554
Open 2015 Filing

Operations Trend

Revenue Growth46th 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

2015

Revenue$101,984
Expenses$107,923
Net Income-$5,939
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 4, 2016
Return Version
2015v2.1
Gross Receipts
$101,984
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 purpose.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,022,932$897,102▼ $125,830
Savings and Temporary Cash Investments$137,980$351,736▲ $213,756
Rtn Earn Endowment Incm Other Fnds$93,869$87,554▼ $6,315
Land, Buildings, and Equipment, Net$29,627$26,914▼ $2,713
Cash and Non-Interest-Bearing Accounts$8,625$17,046▲ $8,421
Accounts Receivable$824$701▼ $123
Total Assets$1,215,584$1,307,307▲ $91,723
Other Assets Total$15,596$13,808▼ $1,788
Liabilities
Other Liabilities$1,091,096$1,185,825▲ $94,729
Accounts Payable and Accrued Expenses$30,619$33,928▲ $3,309
Total Liabilities$1,121,715$1,219,753▲ $98,038
Net Assets / Fund Balance
Total Net Assets Fund Balance$93,869$87,554▼ $6,315
Total Liabilities and Net Assets / Fund Balance$1,215,584$1,307,307▲ $91,723

Asset Categories

AssetBook ValueDepreciationBasis
Land$2,965-$2,965
Compensation and Service Providers
Top Officer Pay22nd 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
$101,970
Investment Income
$14
Other Revenue
$0
Change in Net Assets
$-5,939
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$60,920
Salaries, Compensation, and Employee Benefits$47,003
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$43,774
Office Expenses---$33,904
Occupancy---$4,309
Depreciation Depletion---$3,867
Payroll Taxes---$3,229
Other Expenses---$1,262
All Other Expenses---$384
Advertising---$178
Travel---$73
Total Functional Expenses$0$0$0$107,923
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$1,185,825
Rounding-
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 Ohlfs-eagleburger
Title
Manager
Phone
7852638292
Signed
2016-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Barth Amend
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 451 members.”

Form 990, Part XI, Line 9

“Book to tax depreciation -376 total -376”

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/ActivityOrMissionDesc0PROVIDER OF FINANCIAL SERVICES FOR MUTUAL PURPOSE.
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IRS990/BooksInCareOfDetail/PersonNm0MICHELE EAGLEBURGER
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IRS990/BooksInCareOfDetail/USAddress/CityNm0ENTERPRISE
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IRS990/Form990PartVIISectionAGrp/PersonNm4DEANNA STALDER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY-TR
IRS990/Form990PartVIISectionAGrp/TitleTxt5MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01949
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0101984
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt014
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt014
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt023
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt030606
IRS990/LandBldgEquipBasisNetGrp/BOYAmt029627
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026914
IRS990/LandBldgEquipCostOrOtherBssAmt057520
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
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt093869
IRS990/NetAssetsOrFundBalancesEOYAmt087554
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt04309
IRS990/OfficeExpensesGrp/TotalAmt033904
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015596
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IRS990/OtherChangesInNetAssetsAmt0-376
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2MISC. OPERATING EXPENSES
IRS990/OtherExpensesGrp/Desc3KCUA DUES
IRS990/OtherExpensesGrp/TotalAmt08062
IRS990/OtherExpensesGrp/TotalAmt14899
IRS990/OtherExpensesGrp/TotalAmt23982
IRS990/OtherExpensesGrp/TotalAmt31262
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0897102
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt03229
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0BARTH AMEND
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES ETC.
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt071388
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt130166
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2416
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 183 LOANS OUTSTANDING TOTALING 914,538.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING 4,899.01 FOR THE YEAR.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 451 MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 451 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/ExplanationTxt7BOOK TO TAX DEPRECIATION -376 TOTAL -376
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/TotalGrossUBIAmt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01215584
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01307307
IRS990/TravelGrp/TotalAmt073
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01805 NW 10TH STREET
IRS990/USAddress/CityNm0ABILENE
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067410
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHELE OHLFS-EAGLEBURGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum07852638292
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-04
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/PreparationDt02016-05-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SANDY D JADERBORG EA
ReturnHeader/ReturnTs02016-05-11T14:26:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,307,307
Liabilities
$1,219,753
Net assets
$87,554
Revenue
$101,984
Expenses
$107,923
Net income
-$5,939
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