Civic Intelligence

Wnmh Credit Union

990 • Fiscal year 2013 • EIN 48-0733277

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 18, 2014

Organization Profile
1300 E Fifth AvenueWinfield, KS 67156

(620) 221-2300

Siviq Scores

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

Liabilities / Assets

67th percentile

0.87x

Higher debt load relative to assets than 67% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

17th percentile

9.93x

Higher debt load relative to revenue than 17% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

93rd percentile

27%

Higher net margin than 93% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

62nd percentile

$36,760

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 32.5% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

50th percentile

-0.0%

Faster asset growth than 50% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets67th percentile

Assets

Down

$1,290,286

Down $327 (-0.0%) from 2012

Net Assets

Up

$167,532

Up $30,214 (+22%) from 2012

Liabilities

Down

$1,122,754

Down $30,541 (-2.6%) from 2012

Revenue And Expenses
Liabilities / Revenue17th percentileNet Margin93rd percentile

Revenue

$113,065

No earlier filing loaded for comparison.

Expenses

Down

$82,851

Down $613 (-0.7%) from 2012

Net Income

$30,214

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.

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,009,676Liabilities 2010: $924,256Net Assets 2010: $85,4202010Assets 2011: $1,128,313Liabilities 2011: $1,022,261Net Assets 2011: $106,0522011Assets 2012: $1,290,613Liabilities 2012: $1,153,295Net Assets 2012: $137,3182012Assets 2013: $1,290,286Liabilities 2013: $1,122,754Net Assets 2013: $167,5322013Assets 2014: $1,441,143Liabilities 2014: $1,253,043Net Assets 2014: $188,1002014Assets 2015: $1,767,628Liabilities 2015: $1,555,326Net Assets 2015: $212,3022015Assets 2016: $1,771,272Liabilities 2016: $1,547,118Net Assets 2016: $224,1542016

Highlighted filing

2013

Assets$1,290,286
Liabilities$1,122,754
Net Assets$167,532
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0Expenses 2010: $83,1962010Expenses 2011: $81,8792011Expenses 2012: $83,4642012Revenue 2013: $113,065Expenses 2013: $82,851Net Income 2013: $30,2142013Revenue 2014: $103,959Expenses 2014: $83,391Net Income 2014: $20,5682014Revenue 2015: $110,973Expenses 2015: $86,771Net Income 2015: $24,2022015Revenue 2016: $111,674Expenses 2016: $99,422Net Income 2016: $12,2522016

Highlighted filing

2013

Revenue$113,065
Expenses$82,851
Net Income$30,214
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 18, 2014
Return Version
2013v3.0
Gross Receipts
$113,065
Mission and Program Overview

Mission

Provider of financial services for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$895,951$913,734▲ $17,783
Rtn Earn Endowment Incm Other Fnds$137,318$167,532▲ $30,214
Savings and Temporary Cash Investments$183,121$163,121▼ $20,000
Receivables From Officers Etc$138,239$147,441▲ $9,202
Cash and Non-Interest-Bearing Accounts$62,546$51,049▼ $11,497
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Land, Buildings, and Equipment, Net$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$1,290,613$1,290,286▼ $327
Other Assets Total$10,756$14,941▲ $4,185
Liabilities
Other Liabilities$1,145,837$1,118,360▼ $27,477
Accounts Payable and Accrued Expenses$7,458$4,394▼ $3,064
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$1,153,295$1,122,754▼ $30,541
Net Assets / Fund Balance
Total Net Assets Fund Balance$137,318$167,532▲ $30,214
Total Liabilities and Net Assets / Fund Balance$1,290,613$1,290,286▼ $327
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Audrey ElkinsmanagerFT$36,760$36,760

Board Members and Trustees

NameTitle
Harlene HoytBoard President
Craig IsomBoard Co-Vice President
Julie RossBoard Vice President
Megan MorrisBoard Secretary
Debbie HockenburyBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$106,339
Investment Income
$1,113
Other Revenue
$5,613
Change in Net Assets
$30,214
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$45,181
Other Expenses$36,793
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---$41,851
Other Expenses---$13,103
Interest---$6,278
Insurance---$5,032
Payroll Taxes---$3,300
Fees for Services Other---$897
Benefits to Members---$877
Fees for Services Legal---$872
Depreciation Depletion---$855
Travel---$661
Advertising---$598
Other Employee Benefits---$30
Total Functional Expenses$0$0$0$82,851
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$138,239$147,441▲ $9,202
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$700,203
Share Certificates$387,924
Share Drafts$30,233
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“WNMH Credit Union is made up of members”

Form 990, Part VI, Section A, Line 7A

“Credit Union members have an annual meeting that allows the members to vote for the board of directors and committee members”

Form 990, Part VI, Section B, Line 11B

“Printed copy”

Form 990, Part VI, Section B, Line 12C

“The Credit Union has an exam done annually of all records”

Form 990, Part VI, Section B, Line 15

“Organization is a small credit union consisting of 1 full time managaer and 1 part time employee, salary is reviewed annually at a meeting of the Board of Directors”

Form 990, Part VI, Section C, Line 19

“the credit union does not make our policy manual or governind documents public”

Filing and Contact Details

Filer

EIN
48-0733277
Phone
6202212300

Signing Officer

Name
Audrey Elkins
Title
manager
Phone
6202212300
Signed
2014-03-18

Organization Details

Formed
1967
Legal Domicile
Ks
Voting Board Members
443
Independent Board Members
443
Employees
3
Volunteers
12
Raw XML AppendixShowing 400 of 546 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/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0137318
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0167532
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0183121
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0163121
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0700203
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt130233
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2387924
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/TotalLiabilityAmt01118360
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt03971
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt244289
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt34149
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt428955
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt53380
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt65035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt719039
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt84235
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt92428
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10752
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt112984
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt128342
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1310549
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt146487
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd141
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd130
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Boat
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11Unsecured
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt14Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt020030
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt13035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt244289
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt317191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt430680
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53435
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt65035

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$1,290,286
Liabilities
$1,122,754
Net assets
$167,532
Revenue
$113,065
Expenses
$82,851
Net income
$30,214
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$1.77$1.55$0.22$0.11$0.10$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.77$1.56$0.21$0.11$0.09$0.02
2014Detailed filing. Detailed filing data is available for this year.$1.44$1.25$0.19$0.10$0.08$0.02
2013Detailed filing. Detailed filing data is available for this year.$1.29$1.12$0.17$0.11$0.08$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.29$1.15$0.14$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.13$1.02$0.11$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.01$0.92$0.09$0.08