Civic Intelligence

Enterprise Credit Union

990 • Fiscal year 2020 • EIN 48-0665809

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 29, 2021

Organization Profilewww.ecuks.com

View Organization Page

109 E 1st StEnterprise, 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

0.95x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Liabilities / Revenue

23rd percentile

11.97x

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

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Net Margin

40th percentile

0.3%

Higher net margin than 40% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Top Officer Pay

64th percentile

$37,981

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 34.3% of source-year revenue.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2020

Asset Growth

90th percentile

15%

Faster asset growth than 90% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Revenue Growth

39th percentile

-11%

Faster revenue growth than 39% of similar nonprofits.

2020 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$1,401,206

Up $185,695 (+15%) from 2019

Net Assets

Up

$74,048

Up $713 (+1.0%) from 2019

Liabilities

Up

$1,327,158

Up $184,982 (+16%) from 2019

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin40th percentile

Revenue

Down

$110,880

Down $13,022 (-11%) from 2019

Expenses

Down

$110,516

Down $50,075 (-31%) from 2019

Net Income

Up

$364

Up $37,053 (+101%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth90th 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

2020

Assets$1,401,206
Liabilities$1,327,158
Net Assets$74,048
Open 2020 Filing

Operations Trend

Revenue Growth39th 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

2020

Revenue$110,880
Expenses$110,516
Net Income$364
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 29, 2021
Return Version
2020v4.0
Gross Receipts
$110,880
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$840,803$817,204▼ $23,599
Savings and Temporary Cash Investments$329,682$535,128▲ $205,446
Rtn Earn Endowment Incm Other Fnds$73,335$74,048▲ $713
Cash and Non-Interest-Bearing Accounts$14,762$18,595▲ $3,833
Land, Buildings, and Equipment, Net$15,277$13,453▼ $1,824
Accounts Receivable$155$67▼ $88
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,215,511$1,401,206▲ $185,695
Other Assets Total$14,832$16,759▲ $1,927
Liabilities
Other Liabilities$1,109,351$1,299,066▲ $189,715
Accounts Payable and Accrued Expenses$32,825$28,092▼ $4,733
Total Liabilities$1,142,176$1,327,158▲ $184,982
Net Assets / Fund Balance
Total Net Assets Fund Balance$73,335$74,048▲ $713
Total Liabilities and Net Assets / Fund Balance$1,215,511$1,401,206▲ $185,695

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$10,462$46,617$57,079
Land$2,965-$2,965
Equipment$26$950$976
Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseTotal
MiChele Ohlfs-EagleburgerCredit Union ManagerFT$37,981$37,981

Board Members and Trustees

NameTitle
Barth AmendChairman
Peter JacksonVice Chairman
Damon GreepBoard Member
Philip MillerBoard Member
Sandy JaderborgSecretary
Deanna StalderTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$110,521
Investment Income
$359
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$364

Audited Revenue Reconciliation

Revenue per Audited Statements
$110,880
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$110,880
Total Revenue per Form 990
$110,880
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$64,257
Salaries, Compensation, and Employee Benefits$46,259
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$42,908
Office Expenses---$29,484
All Other Expenses---$21,533
Fees for Services Accounting---$10,048
Payroll Taxes---$3,351
Depreciation Depletion---$1,825
Occupancy---$1,367
Total Functional Expenses$0$0$0$110,516

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$110,516
Total Expenses per Audited Statements$110,516
Total Expenses per Form 990$110,516
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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 Accounts Payable$1,299,066
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

“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

“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

“The Manager completes the Form 990 and provides a copy to the Board when completed and filed.”

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

“All policies are continuously monitored and updated by the Manager and reviewed by the Board monthly.”

Form 990, Part VI, Section C, Line 19

“Any member may request a copy from the credit union manager.”

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
2021-10-29

Organization Details

Principal Officer
MiChele Eagleburger
Formed
1949
Legal Domicile
Ks
Voting Board Members
6
Independent Board Members
6
Employees
3
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Member Dividends $13,031 Loan Expenses $4,996 Other Expense $2,630 HCUA Annual Dues $876”

Form 990, Part XI, Line 9

“Prior Period Adjustment”

Raw XML Appendix395 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/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
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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, 2020 there were 190 loans outstanding totaling $849,786.10.
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IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt010462
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt046617
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt057079
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01299066
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share Accounts Payable
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt0110880
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013453
IRS990ScheduleD/TotalExpensesPerForm990Amt0110516
IRS990ScheduleD/TotalLiabilityAmt01299066
IRS990ScheduleD/TotalRevenuePerForm990Amt0110880
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0110880
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0110516
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union is mutually owned by members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors are elected by the credit union members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Significant 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/ExplanationTxt3The Manager completes the Form 990 and provides a copy to the Board when completed and filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All policies are continuously monitored and updated by the Manager and reviewed by the Board monthly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Any member may request a copy from the credit union manager.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Member Dividends $13,031 Loan Expenses $4,996 Other Expense $2,630 HCUA Annual Dues $876
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Prior Period Adjustment
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 IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt01215511
IRS990/TotalAssetsEOYAmt01401206
IRS990/TotalAssetsGrp/BOYAmt01215511
IRS990/TotalAssetsGrp/EOYAmt01401206
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0110516
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01142176
IRS990/TotalLiabilitiesEOYAmt01327158
IRS990/TotalLiabilitiesGrp/BOYAmt01142176
IRS990/TotalLiabilitiesGrp/EOYAmt01327158
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt073335
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt074048
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0110521
IRS990/TotalReportableCompFromOrgAmt037981
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0110880
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0110880
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01215511
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt01401206
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0109 E 1st St
IRS990/USAddress/CityNm0Enterprise
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067441
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0www.ecuks.com
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0A timely filed Form 8868 Application for Extension of Time To File an Exempt Organization Return was accepted by IRS. Note CP211A is dated 06/07/2021.
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MiChele Eagleburger
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07852638292
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-10-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ENTERPRISE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ENTE
ReturnHeader/Filer/EIN0480665809
ReturnHeader/Filer/PhoneNum07852638292
ReturnHeader/Filer/USAddress/AddressLine1Txt0109 E 1st St
ReturnHeader/Filer/USAddress/CityNm0Enterprise
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067441
ReturnHeader/ReturnTs02021-10-29T17:08:58-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$1,401,206
Liabilities
$1,327,158
Net assets
$74,048
Revenue
$110,880
Expenses
$110,516
Net income
$364
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