Civic Intelligence

Area Credit Union

990 • Fiscal year 2013 • EIN 48-0672785

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

Organization ProfileWWW.AREACU.COM

View Organization Page

1401 FAIRFAX ROAD No E-10066115

(913) 371-1345

Siviq Scores

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

Liabilities / Assets

44th percentile

0.85x

Higher debt load relative to assets than 44% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

70th percentile

22.37x

Higher debt load relative to revenue than 70% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

53rd percentile

3.5%

Higher net margin than 53% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

51st percentile

$51,735

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 19.3% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

23rd percentile

-3.7%

Faster asset growth than 23% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets44th percentile

Assets

Down

$7,052,649

Down $269,299 (-3.7%) from 2012

Net Assets

Up

$1,070,690

Up $9,441 (+0.9%) from 2012

Liabilities

Down

$5,981,959

Down $278,740 (-4.5%) from 2012

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin53rd percentile

Revenue

$267,400

No earlier filing loaded for comparison.

Expenses

Down

$257,959

Down $77,905 (-23%) from 2012

Net Income

$9,441

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,038,202Liabilities 2010: $5,973,996Net Assets 2010: $1,064,2062010Assets 2011: $7,109,165Liabilities 2011: $6,020,723Net Assets 2011: $1,088,4422011Assets 2012: $7,321,948Liabilities 2012: $6,260,699Net Assets 2012: $1,061,2492012Assets 2013: $7,052,649Liabilities 2013: $5,981,959Net Assets 2013: $1,070,6902013Assets 2014: $6,887,197Liabilities 2014: $5,806,330Net Assets 2014: $1,080,8672014Assets 2015: $7,022,954Liabilities 2015: $5,935,573Net Assets 2015: $1,087,3812015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2013

Assets$7,052,649
Liabilities$5,981,959
Net Assets$1,070,690
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $334,3092010Expenses 2011: $315,4772011Expenses 2012: $335,8642012Revenue 2013: $267,400Expenses 2013: $257,959Net Income 2013: $9,4412013Revenue 2014: $246,972Expenses 2014: $236,795Net Income 2014: $10,1772014Revenue 2015: $237,164Expenses 2015: $230,650Net Income 2015: $6,5142015Revenue 2016: $226,544Expenses 2016: $233,529Net Income 2016: -$6,9852016

Highlighted filing

2013

Revenue$267,400
Expenses$257,959
Net Income$9,441
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.0
Gross Receipts
$267,400
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
Savings and Temporary Cash Investments$4,060,534$3,959,776▼ $100,758
Other Notes and Loans Receivable, Net$3,095,254$2,895,355▼ $199,899
Rtn Earn Endowment Incm Other Fnds$1,061,249$1,070,690▲ $9,441
Cash and Non-Interest-Bearing Accounts$38,773$79,056▲ $40,283
Prepaid Expenses and Deferred Charges$15,318$7,863▼ $7,455
Land, Buildings, and Equipment, Net$4,730$4,763▲ $33
Accounts Receivable$791$774▼ $17
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,321,948$7,052,649▼ $269,299
Other Assets Total$106,548$105,062▼ $1,486
Liabilities
Other Liabilities$6,248,480$5,970,788▼ $277,692
Accounts Payable and Accrued Expenses$12,219$11,171▼ $1,048
Total Liabilities$6,260,699$5,981,959▼ $278,740
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,061,249$1,070,690▲ $9,441
Total Liabilities and Net Assets / Fund Balance$7,321,948$7,052,649▼ $269,299

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,763$20,910$25,673
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cynthia OlsonManager/CEOFT$41,496$10,239$51,735

Board Members and Trustees

NameTitle
Mary WilliamsPresident
Michael BellVice President
Shelia JohnsonDirector
Glenna Dean CaldwellSecretary
Larry HurlbertTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$189,267
Investment Income
$75,002
Other Revenue
$3,131
Change in Net Assets
$9,441
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$119,258
Other Expenses$117,709
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$51,735
Other Salaries and Wages---$45,359
Office Expenses---$31,633
Benefits to Members---$20,992
Occupancy---$19,332
Other Employee Benefits---$14,818
Fees for Services Accounting---$7,473
Payroll Taxes---$7,176
Insurance---$6,829
Advertising---$4,024
All Other Expenses---$3,560
Conferences and Meetings---$3,042
Other Expenses---$2,201
Depreciation Depletion---$1,852
Fees for Services Legal---$918
Pension Plan Contributions---$170
Total Functional Expenses$0$0$0$257,959
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$5,970,788
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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 2

“Glenna dean caldwell, board secretary, and kim pratt, supervisory committee member, are sisters-in-law.”

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, there were no such changes during the year.”

Form 990, Part VI, Section B, line 11

“The manager/ceo reviews the form 990 before filing and makes it available to the board of directors.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the 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
48-0672785
Phone
9133711345

Signing Officer

Name
Cynthia Olson
Title
Manager/CEO
Phone
9133711345
Signed
2014-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cynthia Olson
Formed
1961
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
9

Preparer

Phone
9138946214
Raw XML Appendix320 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/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.
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IRS990/Form990PartVIISectionAGrp/PersonNm3GLENNA DEAN CALDWELL
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt01070690
IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2NCUSIF ASSESSMENTS
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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 416 LOANS OUTSTANDING TOTALING $2,938,608.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0GLENNA DEAN CALDWELL, BOARD SECRETARY, AND KIM PRATT, SUPERVISORY COMMITTEE MEMBER, ARE SISTERS-IN-LAW.
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/ExplanationTxt3SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, THERE WERE NO SUCH CHANGES DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER/CEO REVIEWS THE FORM 990 BEFORE FILING AND MAKES IT AVAILABLE TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE 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/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 2
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
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IRS990/TaxExemptBondsInd00
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IRS990/TotalCompGreaterThan150KInd00
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IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0267025
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0267400
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0375
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07321948
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07052649
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101401 FAIRFAX ROAD E-100
IRS990/USAddress/City0KANSAS CITY
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode066115
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.AREACU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CYNTHIA OLSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09133711345
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10AREA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0AREA
ReturnHeader/Filer/EIN0480672785
ReturnHeader/Filer/PhoneNum09133711345
ReturnHeader/Filer/USAddress/AddressLine101401 FAIRFAX ROAD No E-100
ReturnHeader/Filer/USAddress/City0KANSAS CITY
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode066115
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/ReturnTs02014-08-13T17:25:19-05:00
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
$7,052,649
Liabilities
$5,981,959
Net assets
$1,070,690
Revenue
$267,400
Expenses
$257,959
Net income
$9,441
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.23$0.23$0.01
2015Detailed filing. Detailed filing data is available for this year.$7.02$5.94$1.09$0.24$0.23$0.01
2014Detailed filing. Detailed filing data is available for this year.$6.89$5.81$1.08$0.25$0.24$0.01
2013Detailed filing. Detailed filing data is available for this year.$7.05$5.98$1.07$0.27$0.26$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.32$6.26$1.06$0.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.11$6.02$1.09$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.04$5.97$1.06$0.33