Civic Intelligence

Ark Valley Credit Union

990 • Fiscal year 2014 • EIN 48-0668113

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 28, 2015

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

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

27th percentile

16.43x

Higher debt load relative to revenue than 27% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

39th percentile

4.8%

Higher net margin than 39% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

15th percentile

$65,631

Higher top officer pay than 15% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

50th percentile

1.6%

Faster asset growth than 50% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

25th percentile

-4.5%

Faster revenue growth than 25% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$33,591,443

Up $2,928,358 (+9.6%) from 2011

Net Assets

Up

$2,729,753

Up $387,926 (+17%) from 2011

Liabilities

Up

$30,861,690

Up $2,540,432 (+9.0%) from 2011

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin39th percentile

Revenue

$1,878,567

No earlier filing loaded for comparison.

Expenses

Up

$1,788,686

Up $59,481 (+3.4%) from 2011

Net Income

$89,881

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth50th 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 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

2014

Assets$33,591,443
Liabilities$30,861,690
Net Assets$2,729,753
Open 2014 Filing

Operations Trend

Revenue Growth25th percentile

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 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

2014

Revenue$1,878,567
Expenses$1,788,686
Net Income$89,881
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 28, 2015
Return Version
2014v5.0
Gross Receipts
$1,878,567
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$17,354,840$17,991,670▲ $636,830
Savings and Temporary Cash Investments$12,476,002$12,352,053▼ $123,949
Rtn Earn Endowment Incm Other Fnds$2,632,657$2,729,753▲ $97,096
Cash and Non-Interest-Bearing Accounts$1,761,091$1,791,756▲ $30,665
Land, Buildings, and Equipment, Net$1,067,673$1,025,218▼ $42,455
Prepaid Expenses and Deferred Charges$36,301$47,765▲ $11,464
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$33,050,683$33,591,443▲ $540,760
Other Assets Total$354,776$382,981▲ $28,205
Liabilities
Other Liabilities$30,064,654$30,524,749▲ $460,095
Accounts Payable and Accrued Expenses$353,372$336,941▼ $16,431
Total Liabilities$30,418,026$30,861,690▲ $443,664
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,632,657$2,729,753▲ $97,096
Total Liabilities and Net Assets / Fund Balance$33,050,683$33,591,443▲ $540,760

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$714,919$142,984$857,903
Equipment$103,196$376,363$479,559
Land$207,103-$207,103
Compensation and Service Providers
Top Officer Pay15th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim AnnelerCEOFT$61,476$4,155$65,631

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,772,397
Investment Income
$80,717
Other Revenue
$25,453
Change in Net Assets
$89,881
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,235,773
Salaries, Compensation, and Employee Benefits$516,013
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$433,497
Other Salaries and Wages---$342,671
Office Expenses---$87,979
Fees for Services Accounting---$86,059
Occupancy---$67,736
Current Officers, Directors, Trustees, and Key Employees---$65,631
Other Employee Benefits---$58,214
Depreciation Depletion---$52,752
All Other Expenses---$51,569
Benefits to Members---$36,900
Payroll Taxes---$33,220
Advertising---$28,370
Insurance---$26,526
Other Expenses---$18,114
Pension Plan Contributions---$16,277
Conferences and Meetings---$6,442
Total Functional Expenses$0$0$0$1,788,686
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$30,524,749
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
No
Other officer compensation reviewed
No
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

Filer Name
Ark Valley Credit Union
EIN
48-0668113
Phone
6204428210
Address
1515 NORTH SUMMIT PO BOX 34, ARKANSAS CITY, KS 67005

Signing Officer

Name
Kim Anneler
Title
CEO
Phone
6204428210
Signed
2015-07-28
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
15
Volunteers
12

Preparer

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

Additional Explanations

Form 990, Part IX, line 11G

“Other professional and outside services 403,854. Check processing 29,643.”

Form 990, Part XI, line 9:

“Undivided earnings adjustment 7,215.”

Raw XML Appendix343 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/BooksInCareOfDetail/PhoneNum06204428210
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01515 NORTH SUMMIT
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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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
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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, 2014, THERE WERE 2,706 LOANS OUTSTANDING TOTALING $18,153,381.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
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IRS990/ScheduleJRequiredInd00
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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 403,854. CHECK PROCESSING 29,643.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7UNDIVIDED EARNINGS ADJUSTMENT 7,215.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt033050683
IRS990/TotalAssetsEOYAmt033591443
IRS990/TotalAssetsGrp/BOYAmt033050683
IRS990/TotalAssetsGrp/EOYAmt033591443
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/TotalAmt01788686
IRS990/TotalGrossUBIAmt0513
IRS990/TotalLiabilitiesBOYAmt030418026
IRS990/TotalLiabilitiesEOYAmt030861690
IRS990/TotalLiabilitiesGrp/BOYAmt030418026
IRS990/TotalLiabilitiesGrp/EOYAmt030861690
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02632657
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02729753
IRS990/TotalOtherCompensationAmt04155
IRS990/TotalProgramServiceRevenueAmt01772397
IRS990/TotalReportableCompFromOrgAmt061476
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01878054
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01878567
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0513
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033050683
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033591443
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01515 NORTH SUMMIT
IRS990/USAddress/CityNm0ARKANSAS CITY
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd067005
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.ARKVALLEYCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KIM ANNELER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06204428210
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-07-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ARK VALLEY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ARKV
ReturnHeader/Filer/EIN0480668113
ReturnHeader/Filer/PhoneNum06204428210
ReturnHeader/Filer/USAddress/AddressLine1Txt01515 NORTH SUMMIT PO BOX 34
ReturnHeader/Filer/USAddress/CityNm0ARKANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd067005
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
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/ReturnTs02015-07-28T16:05:49-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,591,443
Liabilities
$30,861,690
Net assets
$2,729,753
Revenue
$1,878,567
Expenses
$1,788,686
Net income
$89,881
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