Civic Intelligence

Ark Valley Credit Union

990 • Fiscal year 2017 • EIN 48-0668113

Jan 01, 2017 to Dec 31, 2017 • Filed on Aug 20, 2018

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

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

21st percentile

15.21x

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

68th percentile

13%

Higher net margin than 68% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

24th percentile

$80,235

Higher top officer pay than 24% of similar nonprofits.

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

37th percentile

0.9%

Faster asset growth than 37% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

71st percentile

8.7%

Faster revenue growth than 71% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$35,203,919

Up $323,783 (+0.9%) from 2016

Net Assets

Up

$3,489,479

Up $269,686 (+8.4%) from 2016

Liabilities

Up

$31,714,440

Up $54,097 (+0.2%) from 2016

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin68th percentile

Revenue

Up

$2,085,134

Up $167,699 (+8.7%) from 2016

Expenses

Up

$1,815,448

Up $245,275 (+16%) from 2016

Net Income

Down

$269,686

Down $77,576 (-22%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth37th 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

2017

Assets$35,203,919
Liabilities$31,714,440
Net Assets$3,489,479
Open 2017 Filing

Operations Trend

Revenue Growth71st 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

2017

Revenue$2,085,134
Expenses$1,815,448
Net Income$269,686
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Aug 20, 2018
Return Version
2017v2.3
Gross Receipts
$2,085,134
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$20,329,610$22,315,526▲ $1,985,916
Savings and Temporary Cash Investments$12,563,934$10,335,291▼ $2,228,643
Rtn Earn Endowment Incm Other Fnds$3,219,793$3,489,479▲ $269,686
Cash and Non-Interest-Bearing Accounts$589,781$1,195,332▲ $605,551
Land, Buildings, and Equipment, Net$969,285$920,376▼ $48,909
Prepaid Expenses and Deferred Charges$44,783$46,415▲ $1,632
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$34,880,136$35,203,919▲ $323,783
Other Assets Total$382,743$390,979▲ $8,236
Liabilities
Other Liabilities$31,377,604$31,513,265▲ $135,661
Accounts Payable and Accrued Expenses$282,739$201,175▼ $81,564
Total Liabilities$31,660,343$31,714,440▲ $54,097
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,219,793$3,489,479▲ $269,686
Total Liabilities and Net Assets / Fund Balance$34,880,136$35,203,919▲ $323,783

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$629,129$228,774$857,903
Equipment$84,144$383,436$467,580
Land$207,103-$207,103
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kim AnnelerCEOFT$75,295$4,940$80,235

Board Members and Trustees

NameTitle
Steven BowerChairman
Sheri QuickVice Chairman
Jim BrownDirector
Raymond Scott StewartDirector
Walter SandersDirector
Barry ThompsonSecretary
Mark MccaslinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,932,449
Investment Income
$98,458
Other Revenue
$54,227
Change in Net Assets
$269,686
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,210,134
Salaries, Compensation, and Employee Benefits$603,983
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$598,600
Other Salaries and Wages---$393,624
Fees for Services Accounting---$99,010
Office Expenses---$84,144
Current Officers, Directors, Trustees, and Key Employees---$80,235
Other Employee Benefits---$73,933
Occupancy---$67,838
Depreciation Depletion---$56,125
All Other Expenses---$45,471
Payroll Taxes---$36,787
Insurance---$23,196
Advertising---$21,485
Pension Plan Contributions---$19,404
Other Expenses---$15,912
Conferences and Meetings---$11,882
Benefits to Members---$1,331
Total Functional Expenses$0$0$0$1,815,448
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$31,513,265
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

“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 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
2018-08-20
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
11

Preparer

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

Additional Explanations

Form 990, Part IX, line 11G

“Debit card processing 542,883. Check processing 30,350. Other professional and outside services 25,367.”

Raw XML Appendix346 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/TitleTxt0CHAIRMAN
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, 2017, THERE WERE 2,891 LOANS OUTSTANDING TOTALING $22,388,842.
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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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO REVIEWS THE FORM 990 BEFORE FILING AND MAKES IT AVAILABLE TO THE BOARD MEMBERS.
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. 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/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/ExplanationTxt6DEBIT CARD PROCESSING 542,883. CHECK PROCESSING 30,350. OTHER PROFESSIONAL AND OUTSIDE SERVICES 25,367.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 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/TotalAssetsBOYAmt034880136
IRS990/TotalAssetsEOYAmt035203919
IRS990/TotalAssetsGrp/BOYAmt034880136
IRS990/TotalAssetsGrp/EOYAmt035203919
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt01815448
IRS990/TotalGrossUBIAmt0811
IRS990/TotalLiabilitiesBOYAmt031660343
IRS990/TotalLiabilitiesEOYAmt031714440
IRS990/TotalLiabilitiesGrp/BOYAmt031660343
IRS990/TotalLiabilitiesGrp/EOYAmt031714440
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03219793
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03489479
IRS990/TotalOtherCompensationAmt04940
IRS990/TotalProgramServiceRevenueAmt01932449
IRS990/TotalReportableCompFromOrgAmt075295
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02084323
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02085134
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0811
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034880136
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt035203919
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KIM ANNELER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06204428210
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-08-20
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/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-08-20
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm016:33:23
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/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-08-20T16:33:36-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$35,203,919
Liabilities
$31,714,440
Net assets
$3,489,479
Revenue
$2,085,134
Expenses
$1,815,448
Net income
$269,686
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
2017Detailed filing. Detailed filing data is available for this year.$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