Civic Intelligence

Ark Valley Credit Union

990 • Fiscal year 2013 • EIN 48-0668113

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 15, 2014

Organization ProfileWWW.ARKVALLEYCU.ORG

View Organization Page

1515 North Summit PO Box 34Arkansas City, KS 67005

(620) 442-8210

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

21st percentile

15.46x

Higher debt load relative to revenue than 21% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

31st percentile

2.0%

Higher net margin than 31% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

14th percentile

$58,915

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

80th percentile

5.5%

Faster asset growth than 80% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$33,050,683

Up $2,387,598 (+7.8%) from 2011

Net Assets

Up

$2,632,657

Up $290,830 (+12%) from 2011

Liabilities

Up

$30,418,026

Up $2,096,768 (+7.4%) from 2011

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin31st percentile

Revenue

$1,967,858

No earlier filing loaded for comparison.

Expenses

Up

$1,929,416

Up $200,211 (+12%) from 2011

Net Income

$38,442

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

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

$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 2013: $33,050,683Liabilities 2013: $30,418,026Net Assets 2013: $2,632,6572013Assets 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

2013

Assets$33,050,683
Liabilities$30,418,026
Net Assets$2,632,657
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,676,9752010Expenses 2011: $1,729,2052011Revenue 2013: $1,967,858Expenses 2013: $1,929,416Net Income 2013: $38,4422013Revenue 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

2013

Revenue$1,967,858
Expenses$1,929,416
Net Income$38,442
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 15, 2014
Return Version
2013v3.0
Gross Receipts
$1,967,858
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$19,135,054$17,354,840▼ $1,780,214
Savings and Temporary Cash Investments$9,421,119$12,476,002▲ $3,054,883
Rtn Earn Endowment Incm Other Fnds$2,594,215$2,632,657▲ $38,442
Cash and Non-Interest-Bearing Accounts$1,282,345$1,761,091▲ $478,746
Land, Buildings, and Equipment, Net$1,116,259$1,067,673▼ $48,586
Prepaid Expenses and Deferred Charges$40,211$36,301▼ $3,910
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$31,341,549$33,050,683▲ $1,709,134
Other Assets Total$346,561$354,776▲ $8,215
Liabilities
Other Liabilities$28,441,367$30,064,654▲ $1,623,287
Accounts Payable and Accrued Expenses$305,967$353,372▲ $47,405
Total Liabilities$28,747,334$30,418,026▲ $1,670,692
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,594,215$2,632,657▲ $38,442
Total Liabilities and Net Assets / Fund Balance$31,341,549$33,050,683▲ $1,709,134

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$743,516$114,387$857,903
Equipment$117,054$352,208$469,262
Land$207,103-$207,103
Compensation and Service Providers
Top Officer Pay14th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim AnnelerCEOFT$55,299$3,616$58,915

Board Members and Trustees

NameTitle
Scott StewartChairman
Steven BowerVice Chairman
Doug EisenhauerDirector
Ed BuzziDirector
Jim BrownDirector
Barry ThompsonSecretary
Mark MccaslinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,870,776
Investment Income
$74,712
Other Revenue
$22,370
Change in Net Assets
$38,442
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,418,286
Salaries, Compensation, and Employee Benefits$475,372
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$398,214
Other Salaries and Wages---$322,594
Office Expenses---$91,901
Fees for Services Accounting---$85,895
Occupancy---$68,581
All Other Expenses---$61,270
Current Officers, Directors, Trustees, and Key Employees---$58,915
Depreciation Depletion---$52,401
Other Employee Benefits---$47,899
Advertising---$35,812
Benefits to Members---$35,758
Payroll Taxes---$31,086
Other Expenses---$23,627
Insurance---$23,389
Pension Plan Contributions---$14,878
Conferences and Meetings---$8,375
Total Functional Expenses$0$0$0$1,929,416
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$30,064,654
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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 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 mergers and changes to bylaws 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 11

“The form 990 is completed by an outside accounting firm based on information provided by the credit union. The ceo reviews the completed form and presents it to the board of directors before filing.”

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. 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 lobby, 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

EIN
48-0668113
Phone
6204428210

Signing Officer

Name
Kim Anneler
Title
CEO
Phone
6204428210
Signed
2014-08-15
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
18
Volunteers
13

Preparer

Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, line 11G

“Other professional and outside services 368,779. Check processing 29,435.”

Raw XML Appendix340 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/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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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, 2013, THERE WERE 2,772 LOANS OUTSTANDING TOTALING $17,505,628.
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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 MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS COMPLETED BY AN OUTSIDE ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY THE CREDIT UNION. THE CEO REVIEWS THE COMPLETED FORM AND PRESENTS IT TO THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY, 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/ExplanationTxt6OTHER PROFESSIONAL AND OUTSIDE SERVICES 368,779. CHECK PROCESSING 29,435.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, line 11g
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt031341549
IRS990/TotalAssetsEOYAmt033050683
IRS990/TotalAssetsGrp/BOYAmt031341549
IRS990/TotalAssetsGrp/EOYAmt033050683
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/TotalAmt01929416
IRS990/TotalGrossUBIAmt0666
IRS990/TotalLiabilitiesBOYAmt028747334
IRS990/TotalLiabilitiesEOYAmt030418026
IRS990/TotalLiabilitiesGrp/BOYAmt028747334
IRS990/TotalLiabilitiesGrp/EOYAmt030418026
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02594215
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02632657
IRS990/TotalOtherCompensationAmt03616
IRS990/TotalProgramServiceRevenueAmt01870776
IRS990/TotalReportableCompFromOrgAmt055299
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01967192
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01967858
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0666
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt031341549
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033050683
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101515 NORTH SUMMIT
IRS990/USAddress/City0ARKANSAS CITY
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode067005
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.ARKVALLEYCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KIM ANNELER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06204428210
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10ARK VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARKV
ReturnHeader/Filer/EIN0480668113
ReturnHeader/Filer/PhoneNum06204428210
ReturnHeader/Filer/USAddress/AddressLine101515 NORTH SUMMIT PO BOX 34
ReturnHeader/Filer/USAddress/City0ARKANSAS CITY
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode067005
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-08-15T11:33:16-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,050,683
Liabilities
$30,418,026
Net assets
$2,632,657
Revenue
$1,967,858
Expenses
$1,929,416
Net income
$38,442
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
2013Detailed filing. Detailed filing data is available for this year.$33.1$30.4$2.63$1.97$1.93$0.04
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