Civic Intelligence

Ark Valley Credit Union

990 • Fiscal year 2015 • EIN 48-0668113

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 18, 2016

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

87th percentile

0.91x

Higher debt load relative to assets than 87% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

21st percentile

16.22x

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

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

50th percentile

7.5%

Higher net margin than 50% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

22nd percentile

$71,812

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

25th percentile

0.1%

Faster asset growth than 25% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

49th percentile

1.0%

Faster revenue growth than 49% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$33,641,457

Up $50,014 (+0.1%) from 2014

Net Assets

Up

$2,872,531

Up $142,778 (+5.2%) from 2014

Liabilities

Down

$30,768,926

Down $92,764 (-0.3%) from 2014

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin50th percentile

Revenue

Up

$1,897,303

Up $18,736 (+1.0%) from 2014

Expenses

Down

$1,754,525

Down $34,161 (-1.9%) from 2014

Net Income

Up

$142,778

Up $52,897 (+59%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth25th 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 2015: $33,641,457Liabilities 2015: $30,768,926Net Assets 2015: $2,872,5312015Assets 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

2015

Assets$33,641,457
Liabilities$30,768,926
Net Assets$2,872,531
Open 2015 Filing

Operations Trend

Revenue Growth49th 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 2015: $1,897,303Expenses 2015: $1,754,525Net Income 2015: $142,7782015Revenue 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

2015

Revenue$1,897,303
Expenses$1,754,525
Net Income$142,778
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 18, 2016
Return Version
2015v2.1
Gross Receipts
$1,897,303
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$17,991,670$18,568,540▲ $576,870
Savings and Temporary Cash Investments$12,352,053$12,798,141▲ $446,088
Rtn Earn Endowment Incm Other Fnds$2,729,753$2,872,531▲ $142,778
Land, Buildings, and Equipment, Net$1,025,218$1,004,138▼ $21,080
Cash and Non-Interest-Bearing Accounts$1,791,756$850,825▼ $940,931
Prepaid Expenses and Deferred Charges$47,765$30,312▼ $17,453
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$33,591,443$33,641,457▲ $50,014
Other Assets Total$382,981$389,501▲ $6,520
Liabilities
Other Liabilities$30,524,749$30,439,266▼ $85,483
Accounts Payable and Accrued Expenses$336,941$329,660▼ $7,281
Total Liabilities$30,861,690$30,768,926▼ $92,764
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,729,753$2,872,531▲ $142,778
Total Liabilities and Net Assets / Fund Balance$33,591,443$33,641,457▲ $50,014

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$686,323$171,580$857,903
Equipment$110,712$397,603$508,315
Land$207,103-$207,103
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim AnnelerCEOFT$67,493$4,319$71,812

Board Members and Trustees

NameTitle
Scott StewartChairman
Steven BowerVice Chairman
Jim BrownDirector
Michael GrantDirector
Sheri QuickDirector
Walter SandersDirector
Barry ThompsonSecretary
Mark MccaslinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,772,861
Investment Income
$91,012
Other Revenue
$33,430
Change in Net Assets
$142,778
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,208,800
Salaries, Compensation, and Employee Benefits$541,759
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$502,284
Other Salaries and Wages---$358,597
Office Expenses---$88,808
Fees for Services Accounting---$85,186
Current Officers, Directors, Trustees, and Key Employees---$71,812
Occupancy---$64,337
Other Employee Benefits---$59,688
Depreciation Depletion---$49,838
All Other Expenses---$45,086
Payroll Taxes---$34,696
Advertising---$32,961
Insurance---$25,457
Other Expenses---$18,447
Pension Plan Contributions---$16,966
Conferences and Meetings---$10,605
Benefits to Members---$3,966
Total Functional Expenses$0$0$0$1,754,525
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$30,439,266
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
2016-07-18
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
14
Volunteers
11

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 473,366. Check processing 28,918.”

Raw XML Appendix347 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/BOYAmt0336941
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0329660
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/TotalAmt032961
IRS990/AllOtherExpensesGrp/TotalAmt045086
IRS990/BenefitsToMembersGrp/TotalAmt03966
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/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01791756
IRS990/CashNonInterestBearingGrp/EOYAmt0850825
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt071812
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt010605
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt03966
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt091012
IRS990/CYOtherExpensesAmt01208800
IRS990/CYOtherRevenueAmt033430
IRS990/CYProgramServiceRevenueAmt01772861
IRS990/CYRevenuesLessExpensesAmt0142778
IRS990/CYSalariesCompEmpBnftPaidAmt0541759
IRS990/CYTotalExpensesAmt01754525
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01897303
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt049838
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,010 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt014
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt085186
IRS990/FeesForServicesOtherGrp/TotalAmt0502284
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/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
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/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt84319
IRS990/Form990PartVIISectionAGrp/PersonNm0SCOTT STEWART
IRS990/Form990PartVIISectionAGrp/PersonNm1STEVEN BOWER
IRS990/Form990PartVIISectionAGrp/PersonNm2BARRY THOMPSON
IRS990/Form990PartVIISectionAGrp/PersonNm3MARK MCCASLIN
IRS990/Form990PartVIISectionAGrp/PersonNm4JIM BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm5SHERI QUICK
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL GRANT
IRS990/Form990PartVIISectionAGrp/PersonNm7WALTER SANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm8KIM ANNELER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt867493
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/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01897303
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt025457
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt091012
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt091012
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0989
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0569183
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01025218
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01004138
IRS990/LandBldgEquipCostOrOtherBssAmt01573321
IRS990/LegalDomicileStateCd0KS
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/NetAssetsOrFundBalancesBOYAmt02729753
IRS990/NetAssetsOrFundBalancesEOYAmt02872531
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt064337
IRS990/OfficeExpensesGrp/TotalAmt088808
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0382981
IRS990/OtherAssetsTotalGrp/EOYAmt0389501
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt059688
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0142666
IRS990/OtherExpensesGrp/TotalAmt193314
IRS990/OtherExpensesGrp/TotalAmt249811
IRS990/OtherExpensesGrp/TotalAmt318447
IRS990/OtherLiabilitiesGrp/BOYAmt030524749
IRS990/OtherLiabilitiesGrp/EOYAmt030439266
IRS990/OtherSalariesAndWagesGrp/TotalAmt0358597
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt017991670
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018568540
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt034696
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt016966
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt047765
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt030312
IRS990/PrincipalOfficerNm0KIM ANNELER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01096407
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1675940
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01096407
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1675940
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2514
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0514
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 2,682 LOANS OUTSTANDING TOTALING $18,774,938.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $142,666 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt036900
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt080717
IRS990/PYOtherExpensesAmt01235773
IRS990/PYOtherRevenueAmt025453
IRS990/PYProgramServiceRevenueAmt01772397
IRS990/PYRevenuesLessExpensesAmt089881
IRS990/PYSalariesCompEmpBnftPaidAmt0516013
IRS990/PYTotalExpensesAmt01788686
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01878567
IRS990/ReconcilationRevenueExpnssAmt0142778
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt033430
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt033430
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02729753
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02872531
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012352053
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012798141
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0686323
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0171580
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0857903
IRS990ScheduleD/EquipmentGrp/BookValueAmt0110712
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0397603
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0508315
IRS990ScheduleD/LandGrp/BookValueAmt0207103
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0207103
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030439266
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01004138
IRS990ScheduleD/TotalLiabilityAmt030439266
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 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 473,366. CHECK PROCESSING 28,918.
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/TotalAssetsBOYAmt033591443
IRS990/TotalAssetsEOYAmt033641457
IRS990/TotalAssetsGrp/BOYAmt033591443
IRS990/TotalAssetsGrp/EOYAmt033641457
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt01754525
IRS990/TotalGrossUBIAmt0514
IRS990/TotalLiabilitiesBOYAmt030861690
IRS990/TotalLiabilitiesEOYAmt030768926
IRS990/TotalLiabilitiesGrp/BOYAmt030861690
IRS990/TotalLiabilitiesGrp/EOYAmt030768926
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02729753
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02872531
IRS990/TotalOtherCompensationAmt04319
IRS990/TotalProgramServiceRevenueAmt01772861
IRS990/TotalReportableCompFromOrgAmt067493
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01896789
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01897303
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0514
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033591443
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033641457
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/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KIM ANNELER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06204428210
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-18
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/ReturnTs02016-07-18T11:06:53-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,641,457
Liabilities
$30,768,926
Net assets
$2,872,531
Revenue
$1,897,303
Expenses
$1,754,525
Net income
$142,778
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
2015Detailed filing. Detailed filing data is available for this year.$33.6$30.8$2.87$1.90$1.75$0.14
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