Civic Intelligence

Wnmh Credit Union

990 • Fiscal year 2014 • EIN 48-0733277

Jan 01, 2014 to Dec 31, 2014 • Filed on May 06, 2015

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

69th percentile

0.87x

Higher debt load relative to assets than 69% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

28th percentile

12.05x

Higher debt load relative to revenue than 28% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

87th percentile

20%

Higher net margin than 87% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

61st percentile

$37,255

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 35.8% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

95th percentile

12%

Faster asset growth than 95% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

21st percentile

-8.1%

Faster revenue growth than 21% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$1,441,143

Up $150,857 (+12%) from 2013

Net Assets

Up

$188,100

Up $20,568 (+12%) from 2013

Liabilities

Up

$1,253,043

Up $130,289 (+12%) from 2013

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin87th percentile

Revenue

Down

$103,959

Down $9,106 (-8.1%) from 2013

Expenses

Up

$83,391

Up $540 (+0.7%) from 2013

Net Income

Down

$20,568

Down $9,646 (-32%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth95th 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

2014

Assets$1,441,143
Liabilities$1,253,043
Net Assets$188,100
Open 2014 Filing

Operations Trend

Revenue Growth21st percentile

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

2014

Revenue$103,959
Expenses$83,391
Net Income$20,568
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 6, 2015
Return Version
2014v5.0
Gross Receipts
$103,959
Mission and Program Overview

Mission

Provider of financial services for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$913,734$995,159▲ $81,425
Savings and Temporary Cash Investments$163,121$235,642▲ $72,521
Rtn Earn Endowment Incm Other Fnds$167,532$188,100▲ $20,568
Receivables From Officers Etc$147,441$128,264▼ $19,177
Cash and Non-Interest-Bearing Accounts$51,049$71,285▲ $20,236
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
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$1,290,286$1,441,143▲ $150,857
Other Assets Total$14,941$10,793▼ $4,148
Liabilities
Other Liabilities$1,118,360$1,248,625▲ $130,265
Accounts Payable and Accrued Expenses$4,394$4,418▲ $24
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$1,122,754$1,253,043▲ $130,289
Net Assets / Fund Balance
Total Net Assets Fund Balance$167,532$188,100▲ $20,568
Total Liabilities and Net Assets / Fund Balance$1,290,286$1,441,143▲ $150,857
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Audrey ElkinsmanagerFT$37,255$37,255

Board Members and Trustees

NameTitle
Harlene HoytBoard President
Kara GoffBoard Co-Vice President
Julie RossBoard Vice President
Denise SmithBoard Secretary
Debbie HockenburyBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$102,709
Investment Income
$1,153
Other Revenue
$97
Change in Net Assets
$20,568
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$45,603
Other Expenses$37,563
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---$42,259
Other Expenses---$15,339
Interest---$5,601
Insurance---$4,218
Payroll Taxes---$3,314
Fees for Services Other---$944
Depreciation Depletion---$919
Advertising---$893
Travel---$370
Benefits to Members---$225
Fees for Services Legal---$102
Other Employee Benefits---$30
Total Functional Expenses$0$0$0$83,391
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$147,441$128,264▼ $19,177
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$716,430
Share Certificates$510,855
Share Drafts$21,340
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

“Credit Union account holders are members”

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

“Credit Union members vote on Board of Director 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 manager 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 governing documents public”

Filing and Contact Details

Filer

Filer Name
WNMH Credit Union
EIN
48-0733277
Phone
6202212300
Address
1300 E Fifth Avenue, Winfield, KS 67156

Signing Officer

Name
Audrey Elkins
Title
manager
Phone
6202212300
Signed
2015-05-06

Organization Details

Principal Officer
Audrey Elkins
Formed
1967
Legal Domicile
Ks
Voting Board Members
445
Independent Board Members
445
Employees
3
Volunteers
12
Raw XML AppendixShowing 400 of 542 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/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0167532
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0188100
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0163121
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0235642
IRS990/ScheduleBRequiredInd00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt121340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2510855
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Certificates
IRS990ScheduleD/TotalLiabilityAmt01248625
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt138224
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt324471
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt423989
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt52753
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63782
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt73268
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt817798
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt91142
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt10191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt111067
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121633
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt146652
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
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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
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2signature
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7signature
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9signature
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10auto
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt03035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt144289
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt24027
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt330035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt430680
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt53435
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt65035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt73422
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt824505
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt94027
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt10812

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,441,143
Liabilities
$1,253,043
Net assets
$188,100
Revenue
$103,959
Expenses
$83,391
Net income
$20,568
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