Civic Intelligence

River Cities Community Credit Union

990 • Fiscal year 2014 • EIN 48-6106100

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 05, 2015

Organization ProfileWWW.RIVERCITIESCCU.COM
625 COMMERCIAL STREET No 6Atchison, KS 66002-2455

(913) 367-1488

Siviq Scores

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

Liabilities / Assets

90th percentile

0.91x

Higher debt load relative to assets than 90% of similar nonprofits.

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

Liabilities / Revenue

28th percentile

12.18x

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

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

Net Margin

57th percentile

5.9%

Higher net margin than 57% of similar nonprofits.

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

Top Officer Pay

63rd percentile

$37,955

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 20.3% of source-year revenue.

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

Asset Growth

85th percentile

5.3%

Faster asset growth than 85% of similar nonprofits.

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

Revenue Growth

88th percentile

7.3%

Faster revenue growth than 88% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$2,510,596

Up $126,451 (+5.3%) from 2013

Net Assets

Up

$230,047

Up $11,051 (+5.0%) from 2013

Liabilities

Up

$2,280,549

Up $115,400 (+5.3%) from 2013

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin57th percentile

Revenue

Up

$187,214

Up $12,799 (+7.3%) from 2013

Expenses

Up

$176,163

Up $3,872 (+2.2%) from 2013

Net Income

Up

$11,051

Up $8,927 (+420%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth85th 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

2014

Assets$2,510,596
Liabilities$2,280,549
Net Assets$230,047
Open 2014 Filing

Operations Trend

Revenue Growth88th percentile

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

2014

Revenue$187,214
Expenses$176,163
Net Income$11,051
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 5, 2015
Return Version
2014v5.0
Gross Receipts
$187,214
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$2,194,551$2,420,908▲ $226,357
Rtn Earn Endowment Incm Other Fnds$218,996$230,047▲ $11,051
Savings and Temporary Cash Investments$142,915$51,972▼ $90,943
Prepaid Expenses and Deferred Charges$4,003$7,338▲ $3,335
Cash and Non-Interest-Bearing Accounts$12,531$3,422▼ $9,109
Land, Buildings, and Equipment, Net$721$341▼ $380
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,384,145$2,510,596▲ $126,451
Other Assets Total$29,424$26,615▼ $2,809
Liabilities
Other Liabilities$2,164,345$2,280,175▲ $115,830
Accounts Payable and Accrued Expenses$804$374▼ $430
Total Liabilities$2,165,149$2,280,549▲ $115,400
Net Assets / Fund Balance
Total Net Assets Fund Balance$218,996$230,047▲ $11,051
Total Liabilities and Net Assets / Fund Balance$2,384,145$2,510,596▲ $126,451

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$341$9,838$10,179
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bev McconaugheyManagerFT$36,849$1,106$37,955

Board Members and Trustees

NameTitle
Robert WohletzChairman
Jack RodkeyVice Chairman
Jerry ErnzenBoard Member
Jim EllermanBoard Member
John WohlgemuthBoard Member
Kay GreenlyBoard Member
Carolyn SimmersSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$186,920
Investment Income
$0
Other Revenue
$294
Change in Net Assets
$11,051
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$114,222
Salaries, Compensation, and Employee Benefits$60,051
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---$37,955
Office Expenses---$24,457
Other Salaries and Wages---$17,236
Fees for Services Other---$13,589
Occupancy---$7,200
Advertising---$5,423
Insurance---$5,139
Payroll Taxes---$4,404
Fees for Services Accounting---$2,594
Other Expenses---$2,494
Conferences and Meetings---$2,317
Benefits to Members---$1,890
All Other Expenses---$1,141
Pension Plan Contributions---$456
Depreciation Depletion---$381
Travel---$38
Interest---$16
Total Functional Expenses$0$0$0$176,163
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$2,280,175
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
No
Other officer compensation reviewed
No
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

Filer Name
River Cities Community Credit Union
EIN
48-6106100
Phone
9133671488
Address
625 COMMERCIAL STREET No 6, ATCHISON, KS 66002-2455

Signing Officer

Name
Bev Mcconaughey
Title
Manager
Phone
9133671488
Signed
2015-11-05
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

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
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/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD 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, 2014, THERE WERE 446 LOANS OUTSTANDING TOTALING $2,458,839.
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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/TotalAssetsBOYAmt02384145
IRS990/TotalAssetsEOYAmt02510596
IRS990/TotalAssetsGrp/BOYAmt02384145
IRS990/TotalAssetsGrp/EOYAmt02510596
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0176163
IRS990/TotalGrossUBIAmt03625
IRS990/TotalLiabilitiesBOYAmt02165149
IRS990/TotalLiabilitiesEOYAmt02280549
IRS990/TotalLiabilitiesGrp/BOYAmt02165149
IRS990/TotalLiabilitiesGrp/EOYAmt02280549
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0218996
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0230047
IRS990/TotalOtherCompensationAmt01106
IRS990/TotalProgramServiceRevenueAmt0186920
IRS990/TotalReportableCompFromOrgAmt036849
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0183589
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0187214
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03625
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02384145
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02510596
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt038
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0625 COMMERCIAL STREET STE 6
IRS990/USAddress/CityNm0ATCHISON
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd0660022455
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.RIVERCITIESCCU.COM
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BEV MCCONAUGHEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09133671488
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIVER CITIES COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0486106100
ReturnHeader/Filer/PhoneNum09133671488
ReturnHeader/Filer/USAddress/AddressLine1Txt0625 COMMERCIAL STREET No 6
ReturnHeader/Filer/USAddress/CityNm0ATCHISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd0660022455
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/ReturnTs02015-11-05T13:37:22-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$2,510,596
Liabilities
$2,280,549
Net assets
$230,047
Revenue
$187,214
Expenses
$176,163
Net income
$11,051
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