Civic Intelligence

River Cities Community Credit Union

990 • Fiscal year 2013 • EIN 48-6106100

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 15, 2014

Organization ProfileWWW.RIVERCITIESCCU.COM
625 COMMERCIAL STREET No 6Atchison, KS 66002

(913) 367-1488

Siviq Scores

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

Liabilities / Assets

89th percentile

0.91x

Higher debt load relative to assets than 89% of similar nonprofits.

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

Liabilities / Revenue

29th percentile

12.41x

Higher debt load relative to revenue than 29% of similar nonprofits.

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

Net Margin

49th percentile

1.2%

Higher net margin than 49% of similar nonprofits.

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

Top Officer Pay

61st percentile

$36,665

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 21.0% of source-year revenue.

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

Asset Growth

78th percentile

4.8%

Faster asset growth than 78% 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 / Assets89th percentile

Assets

Up

$2,384,145

Up $109,866 (+4.8%) from 2012

Net Assets

Up

$218,996

Up $2,124 (+1.0%) from 2012

Liabilities

Up

$2,165,149

Up $107,742 (+5.2%) from 2012

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin49th percentile

Revenue

$174,415

No earlier filing loaded for comparison.

Expenses

Down

$172,291

Down $21,155 (-11%) from 2012

Net Income

$2,124

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $1,885,004Liabilities 2010: $1,673,822Net Assets 2010: $211,1822010Assets 2011: $2,133,096Liabilities 2011: $1,910,428Net Assets 2011: $222,6682011Assets 2012: $2,274,279Liabilities 2012: $2,057,407Net Assets 2012: $216,8722012Assets 2013: $2,384,145Liabilities 2013: $2,165,149Net Assets 2013: $218,9962013Assets 2014: $2,510,596Liabilities 2014: $2,280,549Net Assets 2014: $230,0472014Assets 2015: $3,064,108Liabilities 2015: $2,826,423Net Assets 2015: $237,6852015Assets 2016: $3,361,946Liabilities 2016: $3,113,277Net Assets 2016: $248,6692016Assets 2017: $3,801,906Liabilities 2017: $3,517,701Net Assets 2017: $284,2052017Assets 2018: $4,538,723Liabilities 2018: $4,175,769Net Assets 2018: $362,9542018Assets 2019: $4,920,406Liabilities 2019: $4,466,634Net Assets 2019: $453,7722019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2013

Assets$2,384,145
Liabilities$2,165,149
Net Assets$218,996
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0Expenses 2010: $136,9562010Expenses 2011: $152,9572011Expenses 2012: $193,4462012Revenue 2013: $174,415Expenses 2013: $172,291Net Income 2013: $2,1242013Revenue 2014: $187,214Expenses 2014: $176,163Net Income 2014: $11,0512014Revenue 2015: $200,873Expenses 2015: $193,235Net Income 2015: $7,6382015Revenue 2016: $215,502Expenses 2016: $204,518Net Income 2016: $10,9842016Revenue 2017: $256,114Expenses 2017: $220,578Net Income 2017: $35,5362017Revenue 2018: $335,917Expenses 2018: $257,168Net Income 2018: $78,7492018Revenue 2019: $386,080Expenses 2019: $295,262Net Income 2019: $90,8182019Revenue 2020: $215,998Expenses 2020: $189,109Net Income 2020: $26,8892020

Highlighted filing

2013

Revenue$174,415
Expenses$172,291
Net Income$2,124
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 15, 2014
Return Version
2013v3.0
Gross Receipts
$174,415
Mission and Program Overview

Mission

River cities community credit union vests its interest in improving the financial interest and well being of our members not only in the present but in the future as well. River cities community credit union strives to provide the best service and financial security while also providing a stable and consistent financial performance.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,098,858$2,194,551▲ $95,693
Rtn Earn Endowment Incm Other Fnds$216,872$218,996▲ $2,124
Savings and Temporary Cash Investments$111,357$142,915▲ $31,558
Cash and Non-Interest-Bearing Accounts$26,109$12,531▼ $13,578
Prepaid Expenses and Deferred Charges$6,765$4,003▼ $2,762
Land, Buildings, and Equipment, Net$1,339$721▼ $618
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,274,279$2,384,145▲ $109,866
Other Assets Total$29,851$29,424▼ $427
Liabilities
Other Liabilities$2,056,261$2,164,345▲ $108,084
Accounts Payable and Accrued Expenses$1,146$804▼ $342
Total Liabilities$2,057,407$2,165,149▲ $107,742
Net Assets / Fund Balance
Total Net Assets Fund Balance$216,872$218,996▲ $2,124
Total Liabilities and Net Assets / Fund Balance$2,274,279$2,384,145▲ $109,866

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$721$9,458$10,179
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bev McconaugheyManagerFT$35,432$1,233$36,665

Board Members and Trustees

NameTitle
Robert WohletzPresident
Jack RodkeyVice President
Debbie RobinsonBoard Member
Jerry ErnzenBoard Member
John WohlgemuthBoard Member
Kay GreenlyBoard Member
Carolyn SimmersSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$174,151
Investment Income
$93
Other Revenue
$171
Change in Net Assets
$2,124
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$111,243
Salaries, Compensation, and Employee Benefits$59,118
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---$36,665
Office Expenses---$22,590
Other Salaries and Wages---$18,051
Information Technology---$11,594
Occupancy---$7,200
Insurance---$4,784
Payroll Taxes---$4,402
Advertising---$4,069
Conferences and Meetings---$3,783
All Other Expenses---$3,401
Fees for Services Accounting---$2,497
Benefits to Members---$1,930
Other Expenses---$1,805
Depreciation Depletion---$618
Travel---$522
Total Functional Expenses$0$0$0$172,291
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$2,164,345
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
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 supervisory committee oversees the 990 process, including approving the accounting firm to complete the return. The manager reviews details of the return and presents it to the board of directors for approval.”

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

“On an annual basis, the manager and board of directors are required to disclose any interests that could give rise to conflicts. To monitor compliance, they review the policy at a board meeting with results documented in the minutes.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews and approves all compensation, including the manager's. 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

EIN
48-6106100
Phone
9133671488

Signing Officer

Name
Bev Mcconaughey
Title
Manager
Phone
9133671488
Signed
2014-04-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bev Mcconaughey
Formed
1958
Legal Domicile
Ks
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
13

Preparer

Phone
9138946214
Raw XML Appendix337 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/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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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 423 LOANS OUTSTANDING TOTALING $2,234,858.
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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/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 SUPERVISORY COMMITTEE OVERSEES THE 990 PROCESS, INCLUDING APPROVING THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE MANAGER REVIEWS DETAILS OF THE RETURN AND PRESENTS IT TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, THE MANAGER AND BOARD OF DIRECTORS ARE REQUIRED TO DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. TO MONITOR COMPLIANCE, THEY REVIEW THE POLICY AT A BOARD MEETING WITH RESULTS DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL 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/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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt02274279
IRS990/TotalAssetsEOYAmt02384145
IRS990/TotalAssetsGrp/BOYAmt02274279
IRS990/TotalAssetsGrp/EOYAmt02384145
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0172291
IRS990/TotalGrossUBIAmt03000
IRS990/TotalLiabilitiesBOYAmt02057407
IRS990/TotalLiabilitiesEOYAmt02165149
IRS990/TotalLiabilitiesGrp/BOYAmt02057407
IRS990/TotalLiabilitiesGrp/EOYAmt02165149
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0216872
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0218996
IRS990/TotalOtherCompensationAmt01233
IRS990/TotalProgramServiceRevenueAmt0174151
IRS990/TotalReportableCompFromOrgAmt035432
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0171415
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0174415
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03000
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02274279
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02384145
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0522
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10625 COMMERCIAL STREET STE 6
IRS990/USAddress/City0ATCHISON
IRS990/USAddress/State0KS
IRS990/USAddress/ZIPCode066002
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.RIVERCITIESCCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BEV MCCONAUGHEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09133671488
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10RIVER CITIES COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0486106100
ReturnHeader/Filer/PhoneNum09133671488
ReturnHeader/Filer/USAddress/AddressLine10625 COMMERCIAL STREET No 6
ReturnHeader/Filer/USAddress/City0ATCHISON
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode066002
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/ReturnTs02014-04-15T13:22:41-05:00
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
$2,384,145
Liabilities
$2,165,149
Net assets
$218,996
Revenue
$174,415
Expenses
$172,291
Net income
$2,124
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.22$0.19$0.03
2019Detailed filing. Detailed filing data is available for this year.$4.92$4.47$0.45$0.39$0.30$0.09
2018Detailed filing. Detailed filing data is available for this year.$4.54$4.18$0.36$0.34$0.26$0.08
2017Detailed filing. Detailed filing data is available for this year.$3.80$3.52$0.28$0.26$0.22$0.04
2016Detailed filing. Detailed filing data is available for this year.$3.36$3.11$0.25$0.22$0.20$0.01
2015Detailed filing. Detailed filing data is available for this year.$3.06$2.83$0.24$0.20$0.19$0.01
2014Detailed filing. Detailed filing data is available for this year.$2.51$2.28$0.23$0.19$0.18$0.01
2013Detailed filing. Detailed filing data is available for this year.$2.38$2.17$0.22$0.17$0.17$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.27$2.06$0.22$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.13$1.91$0.22$0.15
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.89$1.67$0.21$0.14