Civic Intelligence

Ark Valley Credit Union

EIN 48-0668113 • 501(c)14 • Arkansas City, KS

View Organization Page

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.

1515 North SummitArkansas City, KS 67005

www.arkvalleycu.org

Siviq Scores

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

Liabilities / Assets

35th percentile

0.86x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

14.26x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

77th percentile

20%

Higher net margin than 77% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

39th percentile

$145,677

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

30th percentile

-1.2%

Faster asset growth than 30% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

89th percentile

23%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$54,967,303

Up $11,014,266 (+25%) from 2020

Liabilities

Up

$47,350,990

Up $8,096,999 (+21%) from 2020

Net Assets

Up

$7,616,313

Up $2,917,267 (+62%) from 2020

Operations
Liabilities / Revenue31st percentileNet Margin77th percentile

Revenue

Up

$3,321,242

Up $884,210 (+36%) from 2020

Expenses

Up

$2,642,978

Up $709,430 (+37%) from 2020

Net Income

Up

$678,264

Up $174,780 (+35%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

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

$60M$40M$20M$0Assets 2010: $27,553,691Liabilities 2010: $25,365,939Net Assets 2010: $2,187,7522010Assets 2011: $30,663,085Liabilities 2011: $28,321,258Net Assets 2011: $2,341,8272011Assets 2014: $33,591,443Liabilities 2014: $30,861,690Net Assets 2014: $2,729,7532014Assets 2016: $34,880,136Liabilities 2016: $31,660,343Net Assets 2016: $3,219,7932016Assets 2017: $35,203,919Liabilities 2017: $31,714,440Net Assets 2017: $3,489,4792017Assets 2018: $37,175,510Liabilities 2018: $33,382,343Net Assets 2018: $3,793,1672018Assets 2019: $37,918,745Liabilities 2019: $33,723,183Net Assets 2019: $4,195,5622019Assets 2020: $43,953,037Liabilities 2020: $39,253,991Net Assets 2020: $4,699,0462020Assets 2024: $54,967,303Liabilities 2024: $47,350,990Net Assets 2024: $7,616,3132024

Highlighted filing

2024

Assets$54,967,303
Liabilities$47,350,990
Net Assets$7,616,313
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,676,9752010Expenses 2011: $1,729,2052011Revenue 2014: $1,878,567Expenses 2014: $1,788,686Net Income 2014: $89,8812014Revenue 2016: $1,917,435Expenses 2016: $1,570,173Net Income 2016: $347,2622016Revenue 2017: $2,085,134Expenses 2017: $1,815,448Net Income 2017: $269,6862017Revenue 2018: $2,282,285Expenses 2018: $1,934,607Net Income 2018: $347,6782018Revenue 2019: $2,477,439Expenses 2019: $2,075,044Net Income 2019: $402,3952019Revenue 2020: $2,437,032Expenses 2020: $1,933,548Net Income 2020: $503,4842020Revenue 2024: $3,321,242Expenses 2024: $2,642,978Net Income 2024: $678,2642024

Highlighted filing

2024

Revenue$3,321,242
Expenses$2,642,978
Net Income$678,264
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$54,967,303
Liabilities
$47,350,990
Net assets
$7,616,313
Revenue
$3,321,242
Expenses
$2,642,978
Net income
$678,264
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.0$47.4$7.62$3.32$2.64$0.68
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.0$39.3$4.70$2.44$1.93$0.50
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.9$33.7$4.20$2.48$2.08$0.40
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.2$33.4$3.79$2.28$1.93$0.35
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.2$31.7$3.49$2.09$1.82$0.27
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.9$31.7$3.22$1.92$1.57$0.35
2014Detailed filing. Detailed filing data is available for this year.$33.6$30.9$2.73$1.88$1.79$0.09
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.7$28.3$2.34$1.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.6$25.4$2.19$1.68
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 15, 2020
Return Version
2019v5.1
Gross Receipts
$2,495,708
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$24,823,601$26,406,447▲ $1,582,846
Savings and Temporary Cash Investments$9,361,150$8,793,463▼ $567,687
Rtn Earn Endowment Incm Other Fnds$3,793,167$4,195,562▲ $402,395
Cash and Non-Interest-Bearing Accounts$1,495,806$1,178,228▼ $317,578
Land, Buildings, and Equipment, Net$1,020,533$1,048,156▲ $27,623
Prepaid Expenses and Deferred Charges$46,936$66,551▲ $19,615
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,175,510$37,918,745▲ $743,235
Other Assets Total$427,484$425,900▼ $1,584
Liabilities
Other Liabilities$33,036,694$33,425,601▲ $388,907
Accounts Payable and Accrued Expenses$345,649$297,582▼ $48,067
Total Liabilities$33,382,343$33,723,183▲ $340,840
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,793,167$4,195,562▲ $402,395
Total Liabilities and Net Assets / Fund Balance$37,175,510$37,918,745▲ $743,235

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$773,768$285,967$1,059,735
Equipment$44,235$432,121$476,356
Land$230,153-$230,153
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim AnnelerCEOFT$102,943$8,037$110,980

Board Members and Trustees

NameTitle
Mark MccaslinChairman
Sheri QuickVice Chairman
James ReichleDirector
Raymond Scott StewartDirector
Walter SandersDirector
Barry ThompsonSecretary
Steven BowerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,289,646
Investment Income
$128,122
Other Revenue
$59,671
Change in Net Assets
$402,395
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,392,265
Salaries, Compensation, and Employee Benefits$681,454
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$694,304
Other Salaries and Wages---$434,484
Current Officers, Directors, Trustees, and Key Employees---$110,980
Fees for Services Accounting---$110,520
Occupancy---$82,240
Office Expenses---$76,383
Other Employee Benefits---$74,574
All Other Expenses---$50,523
Depreciation Depletion---$48,399
Payroll Taxes---$41,489
Insurance---$29,234
Advertising---$20,217
Pension Plan Contributions---$19,927
Other Expenses---$19,580
Conferences and Meetings---$9,840
Benefits to Members---$1,325
Total Functional Expenses$0$0$0$2,075,044
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$33,425,601
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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 1

“The board chairman votes only in the event of a tie.”

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

“Certain significant changes 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 ceo reviews the form 990 before filing and makes it available to the board members.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews the ceo's performance and determines/approves compensation. The ceo presents all other employee compensation as part of the budget package to the board for approval. Cuna and compease salary surveys are used in the process for comparison with similar credit unions. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the credit union, 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
Ark Valley Credit Union
EIN
48-0668113
Phone
6204428210
Address
1515 NORTH SUMMIT, ARKANSAS CITY, KS 67005

Signing Officer

Name
Kim Anneler
Title
CEO
Phone
6204428210
Signed
2020-09-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kim Anneler
Formed
1955
Legal Domicile
Ks
Voting Board Members
6
Independent Board Members
6
Employees
17
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“Debit/atm processing 626,952. Check processing 33,054. Other professional and outside services 34,298.”

Raw XML Appendix364 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0345649
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0297582
IRS990/ActivitiesConductedPrtshpInd00
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.
IRS990/AdvertisingGrp/TotalAmt020217
IRS990/AllOtherExpensesGrp/TotalAmt050523
IRS990/BenefitsToMembersGrp/TotalAmt01325
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0KIM ANNELER
IRS990/BooksInCareOfDetail/PhoneNum06204428210
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01515 NORTH SUMMIT
IRS990/BooksInCareOfDetail/USAddress/CityNm0ARKANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KS
IRS990/BooksInCareOfDetail/USAddress/ZIPCd067005
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01495806
IRS990/CashNonInterestBearingGrp/EOYAmt01178228
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0110980
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt09840
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt01325
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0128122
IRS990/CYOtherExpensesAmt01392265
IRS990/CYOtherRevenueAmt059671
IRS990/CYProgramServiceRevenueAmt02289646
IRS990/CYRevenuesLessExpensesAmt0402395
IRS990/CYSalariesCompEmpBnftPaidAmt0681454
IRS990/CYTotalExpensesAmt02075044
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02477439
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt048399
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,682 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0110520
IRS990/FeesForServicesOtherGrp/TotalAmt0694304
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt78037
IRS990/Form990PartVIISectionAGrp/PersonNm0MARK MCCASLIN
IRS990/Form990PartVIISectionAGrp/PersonNm1SHERI QUICK
IRS990/Form990PartVIISectionAGrp/PersonNm2BARRY THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm3STEVEN BOWER
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES REICHLE
IRS990/Form990PartVIISectionAGrp/PersonNm5RAYMOND SCOTT STEWART
IRS990/Form990PartVIISectionAGrp/PersonNm6WALTER SANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm7KIM ANNELER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7102943
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-7269
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt011000
IRS990/GrossReceiptsAmt02495708
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt029234
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0135391
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0135391
IRS990/InvestmentInJointVentureInd01
IRS990/IRPDocumentCnt01469
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0718088
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01020533
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01048156
IRS990/LandBldgEquipCostOrOtherBssAmt01766244
IRS990/LegalDomicileStateCd0KS
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt018269
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03793167
IRS990/NetAssetsOrFundBalancesEOYAmt04195562
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-7269
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-7269
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt082240
IRS990/OfficeExpensesGrp/TotalAmt076383
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0427484
IRS990/OtherAssetsTotalGrp/EOYAmt0425900
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt074574
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0167025
IRS990/OtherExpensesGrp/TotalAmt159000
IRS990/OtherExpensesGrp/TotalAmt225000
IRS990/OtherExpensesGrp/TotalAmt319580
IRS990/OtherLiabilitiesGrp/BOYAmt033036694
IRS990/OtherLiabilitiesGrp/EOYAmt033425601
IRS990/OtherSalariesAndWagesGrp/TotalAmt0434484
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024823601
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026406447
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt041489
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt019927
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt046936
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt066551
IRS990/PrincipalOfficerNm0KIM ANNELER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/Desc3NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01468723
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1819344
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01468723
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1819344
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3579
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt01000
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1579
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2019, THERE WERE 2,962 LOANS OUTSTANDING TOTALING $26,578,326.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $167,025 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01296
IRS990/PYContributionsGrantsAmt05000
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0103126
IRS990/PYOtherExpensesAmt01322290
IRS990/PYOtherRevenueAmt057934
IRS990/PYProgramServiceRevenueAmt02116225
IRS990/PYRevenuesLessExpensesAmt0347678
IRS990/PYSalariesCompEmpBnftPaidAmt0611021
IRS990/PYTotalExpensesAmt01934607
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02282285
IRS990/ReconcilationRevenueExpnssAmt0402395
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt059671
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt059671
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03793167
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04195562
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09361150
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08793463
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0773768
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0285967
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01059735
IRS990ScheduleD/EquipmentGrp/BookValueAmt044235
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0432121
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0476356
IRS990ScheduleD/LandGrp/BookValueAmt0230153
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0230153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033425601
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01048156
IRS990ScheduleD/TotalLiabilityAmt033425601
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD CHAIRMAN VOTES ONLY IN THE EVENT OF A TIE.
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/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CEO REVIEWS THE FORM 990 BEFORE FILING AND MAKES IT AVAILABLE TO THE BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES/APPROVES COMPENSATION. THE CEO PRESENTS ALL OTHER EMPLOYEE COMPENSATION AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. CUNA AND COMPEASE SALARY SURVEYS ARE USED IN THE PROCESS FOR COMPARISON WITH SIMILAR CREDIT UNIONS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, 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/ExplanationTxt7DEBIT/ATM PROCESSING 626,952. CHECK PROCESSING 33,054. OTHER PROFESSIONAL AND OUTSIDE SERVICES 34,298.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt037175510
IRS990/TotalAssetsEOYAmt037918745
IRS990/TotalAssetsGrp/BOYAmt037175510
IRS990/TotalAssetsGrp/EOYAmt037918745
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt02075044
IRS990/TotalGrossUBIAmt01579
IRS990/TotalLiabilitiesBOYAmt033382343
IRS990/TotalLiabilitiesEOYAmt033723183
IRS990/TotalLiabilitiesGrp/BOYAmt033382343
IRS990/TotalLiabilitiesGrp/EOYAmt033723183
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03793167
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04195562
IRS990/TotalOtherCompensationAmt08037
IRS990/TotalProgramServiceRevenueAmt02289646
IRS990/TotalReportableCompFromOrgAmt0102943
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02475860
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02477439
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01579
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037175510
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037918745
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01515 NORTH SUMMIT
IRS990/USAddress/CityNm0ARKANSAS CITY
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067005
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0ARKVALLEYCU.ORG
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KIM ANNELER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06204428210
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-09-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARK VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARKV
ReturnHeader/Filer/EIN0480668113
ReturnHeader/Filer/PhoneNum06204428210
ReturnHeader/Filer/USAddress/AddressLine1Txt01515 NORTH SUMMIT
ReturnHeader/Filer/USAddress/CityNm0ARKANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067005
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02020-09-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:28:16
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02020-08-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02020-09-15T11:28:26-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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