Civic Intelligence

Enterprise Credit Union

990 • Fiscal year 2018 • EIN 48-0665809

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 29, 2019

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

94th percentile

0.92x

Higher debt load relative to assets than 94% of similar nonprofits.

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

Liabilities / Revenue

20th percentile

9.59x

Higher debt load relative to revenue than 20% of similar nonprofits.

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

Net Margin

49th percentile

4.9%

Higher net margin than 49% of similar nonprofits.

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

Top Officer Pay

23rd percentile

$0

Higher top officer pay than 23% of similar nonprofits.

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

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

Asset Growth

91st percentile

8.1%

Faster asset growth than 91% of similar nonprofits.

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

Revenue Growth

53rd percentile

5.5%

Faster revenue growth than 53% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets94th percentile

Assets

Up

$1,281,465

Up $95,679 (+8.1%) from 2017

Net Assets

Up

$107,601

Up $9,366 (+9.5%) from 2017

Liabilities

Up

$1,173,864

Up $86,313 (+7.9%) from 2017

Revenue And Expenses
Liabilities / Revenue20th percentileNet Margin49th percentile

Revenue

Up

$122,409

Up $6,406 (+5.5%) from 2017

Expenses

Up

$116,414

Up $9,336 (+8.7%) from 2017

Net Income

Down

$5,995

Down $2,930 (-33%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth91st 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

2018

Assets$1,281,465
Liabilities$1,173,864
Net Assets$107,601
Open 2018 Filing

Operations Trend

Revenue Growth53rd 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

2018

Revenue$122,409
Expenses$116,414
Net Income$5,995
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 29, 2019
Return Version
2018v3.1
Gross Receipts
$122,409
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$1,001,618$1,030,007▲ $28,389
Savings and Temporary Cash Investments$134,664$196,291▲ $61,627
Rtn Earn Endowment Incm Other Fnds$98,235$107,601▲ $9,366
Land, Buildings, and Equipment, Net$22,972$21,903▼ $1,069
Cash and Non-Interest-Bearing Accounts$9,834$19,609▲ $9,775
Accounts Receivable$205$423▲ $218
Total Assets$1,185,786$1,281,465▲ $95,679
Other Assets Total$16,493$13,232▼ $3,261
Liabilities
Other Liabilities$1,075,831$1,124,254▲ $48,423
Accounts Payable and Accrued Expenses$11,720$49,610▲ $37,890
Total Liabilities$1,087,551$1,173,864▲ $86,313
Net Assets / Fund Balance
Total Net Assets Fund Balance$98,235$107,601▲ $9,366
Total Liabilities and Net Assets / Fund Balance$1,185,786$1,281,465▲ $95,679

Asset Categories

AssetBook ValueDepreciationBasis
Land$2,965-$2,965
Compensation and Service Providers
Top Officer Pay23rd percentile

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$121,743
Investment Income
$666
Other Revenue
$0
Change in Net Assets
$5,995
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$73,413
Salaries, Compensation, and Employee Benefits$43,001
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$39,940
Office Expenses---$35,738
Depreciation Depletion---$3,850
Payroll Taxes---$3,061
Occupancy---$2,840
Other Expenses---$1,011
All Other Expenses---$811
Total Functional Expenses$0$0$0$116,414
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$1,124,254
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
2019-04-29
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
407 NE 14TH STREET, ABILENE, KS 67410
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 429 members.”

Form 990, Part XI, Line 9

“CLIENT ADJUSTMENT 3,371”

Raw XML Appendix301 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.
IRS990/AllOtherExpensesGrp/TotalAmt0811
IRS990/AnnualDisclosureCoveredPrsnInd0true
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IRS990/BooksInCareOfDetail/PersonNm0MICHELE EAGLEBURGER
IRS990/BooksInCareOfDetail/PhoneNum07852638292
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0109 E 1ST STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0ENTERPRISE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KS
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IRS990/Form990PartVIISectionAGrp/PersonNm2DAMON GREEP
IRS990/Form990PartVIISectionAGrp/PersonNm3BARTH AMEND
IRS990/Form990PartVIISectionAGrp/PersonNm4DEANNA STALDER
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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
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IRS990/GamingActivitiesInd0false
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0122409
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0666
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0666
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt023
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt039117
IRS990/LandBldgEquipBasisNetGrp/BOYAmt022972
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021903
IRS990/LandBldgEquipCostOrOtherBssAmt061020
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/NetAssetsOrFundBalancesBOYAmt098235
IRS990/NetAssetsOrFundBalancesEOYAmt0107601
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt02840
IRS990/OfficeExpensesGrp/TotalAmt035738
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc3HCUA DUES
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IRS990/OtherExpensesGrp/TotalAmt18574
IRS990/OtherExpensesGrp/TotalAmt28484
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IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt03061
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0BARTH AMEND
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES ETC.
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt087734
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2500
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 215 LOANS OUTSTANDING TOTALING 1,042,803.71.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING 3,991.84 FOR THE YEAR.
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 429 MEMBERS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 429 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/ExplanationTxt7CLIENT ADJUSTMENT 3,371
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/SubjectToProxyTaxInd0false
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IRS990/TotalGrossUBIAmt00
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01805 NW 10TH STREET
IRS990/USAddress/CityNm0ABILENE
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067410
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0true
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,281,465
Liabilities
$1,173,864
Net assets
$107,601
Revenue
$122,409
Expenses
$116,414
Net income
$5,995
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