Civic Intelligence

River Cities Community Credit Union

990 • Fiscal year 2017 • EIN 48-6106100

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

Organization ProfileWWW.RIVERCITIESCCU.COM
513 Commercial StreetAtchison, KS 66002-2418

(913) 367-1488

Siviq Scores

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

Liabilities / Assets

99th percentile

0.93x

Higher debt load relative to assets than 99% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

35th percentile

13.73x

Higher debt load relative to revenue than 35% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Net Margin

78th percentile

14%

Higher net margin than 78% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

67th percentile

$41,945

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 16.4% of source-year revenue.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2017

Asset Growth

95th percentile

13%

Faster asset growth than 95% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

97th percentile

19%

Faster revenue growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$3,801,906

Up $439,960 (+13%) from 2016

Net Assets

Up

$284,205

Up $35,536 (+14%) from 2016

Liabilities

Up

$3,517,701

Up $404,424 (+13%) from 2016

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin78th percentile

Revenue

Up

$256,114

Up $40,612 (+19%) from 2016

Expenses

Up

$220,578

Up $16,060 (+7.9%) from 2016

Net Income

Up

$35,536

Up $24,552 (+224%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth95th 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

2017

Assets$3,801,906
Liabilities$3,517,701
Net Assets$284,205
Open 2017 Filing

Operations Trend

Revenue Growth97th 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

2017

Revenue$256,114
Expenses$220,578
Net Income$35,536
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.2
Gross Receipts
$256,114
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$3,040,537$3,496,452▲ $455,915
Rtn Earn Endowment Incm Other Fnds$248,669$284,205▲ $35,536
Land, Buildings, and Equipment, Net$121,539$112,290▼ $9,249
Savings and Temporary Cash Investments$137,387$98,836▼ $38,551
Cash and Non-Interest-Bearing Accounts$14,445$51,359▲ $36,914
Prepaid Expenses and Deferred Charges$11,908$4,826▼ $7,082
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,361,946$3,801,906▲ $439,960
Other Assets Total$36,130$38,143▲ $2,013
Liabilities
Other Liabilities$3,107,773$3,507,988▲ $400,215
Accounts Payable and Accrued Expenses$5,504$9,713▲ $4,209
Total Liabilities$3,113,277$3,517,701▲ $404,424
Net Assets / Fund Balance
Total Net Assets Fund Balance$248,669$284,205▲ $35,536
Total Liabilities and Net Assets / Fund Balance$3,361,946$3,801,906▲ $439,960

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$100,905$6,021$106,926
Equipment$1,385$9,451$10,836
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bev McconaugheyManagerFT$40,723$1,222$41,945

Board Members and Trustees

NameTitle
Robert WohletzPresident
Jack RodkeyVice President
Jerry ErnzenBoard Member
Julie MeyersBoard Member
Kay GreenlyBoard Member
Teresa KearneyBoard Member
Carolyn SimmersSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$500
Program Service Revenue
$249,352
Investment Income
$1,525
Other Revenue
$4,737
All Other Contributions
$500
Change in Net Assets
$35,536
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$138,976
Salaries, Compensation, and Employee Benefits$81,602
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---$41,945
Office Expenses---$33,592
Other Salaries and Wages---$33,471
Fees for Services Other---$19,266
Occupancy---$12,905
Depreciation Depletion---$11,440
Advertising---$6,194
Payroll Taxes---$5,861
Insurance---$4,113
Conferences and Meetings---$3,821
Other Expenses---$2,843
Fees for Services Accounting---$1,767
All Other Expenses---$800
Pension Plan Contributions---$325
Travel---$287
Interest---$79
Total Functional Expenses$0$0$0$220,578
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$3,507,988
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
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 11B

“The form 990 return is reviewed and approved at a meeting of the board of directors.”

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 written request.”

Filing and Contact Details

Filer

Filer Name
River Cities Community Credit Union
EIN
48-6106100
Phone
9133671488
Address
513 COMMERCIAL STREET, ATCHISON, KS 66002-2418

Signing Officer

Name
Bev Mcconaughey
Title
Manager
Phone
9133671488
Signed
2018-05-10
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
5
Volunteers
13

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry Tenbrink
Phone
9138946214
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2B:

“The credit union provides credit counseling to members as requested. In addition, they held two classes on credit, budgeting and maintaining a good credit score for the nek community action program.”

Raw XML Appendix359 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
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, 2017, THERE WERE 507 LOANS OUTSTANDING TOTALING $3,521,328.
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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010836
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03507988
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES CREDIT COUNSELING TO MEMBERS AS REQUESTED. IN ADDITION, THEY HELD TWO CLASSES ON CREDIT, BUDGETING AND MAINTAINING A GOOD CREDIT SCORE FOR THE NEK COMMUNITY ACTION PROGRAM.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0112290
IRS990ScheduleD/TotalLiabilityAmt03507988
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
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 FORM 990 RETURN IS REVIEWED AND APPROVED AT A MEETING OF THE BOARD OF DIRECTORS.
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 WRITTEN 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 11b
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/TotalAssetsBOYAmt03361946
IRS990/TotalAssetsEOYAmt03801906
IRS990/TotalAssetsGrp/BOYAmt03361946
IRS990/TotalAssetsGrp/EOYAmt03801906
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0500
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0220578
IRS990/TotalGrossUBIAmt05799
IRS990/TotalLiabilitiesBOYAmt03113277
IRS990/TotalLiabilitiesEOYAmt03517701
IRS990/TotalLiabilitiesGrp/BOYAmt03113277
IRS990/TotalLiabilitiesGrp/EOYAmt03517701
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0248669
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0284205
IRS990/TotalOtherCompensationAmt01222
IRS990/TotalProgramServiceRevenueAmt0249352
IRS990/TotalReportableCompFromOrgAmt040723
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0249815
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0256114
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05799
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03361946
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03801906
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0287
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0513 COMMERCIAL STREET
IRS990/USAddress/CityNm0ATCHISON
IRS990/USAddress/StateAbbreviationCd0KS
IRS990/USAddress/ZIPCd0660022418
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.RIVERCITIESCCU.COM
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BEV MCCONAUGHEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09133671488
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIVER CITIES COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0486106100
ReturnHeader/Filer/PhoneNum09133671488
ReturnHeader/Filer/USAddress/AddressLine1Txt0513 COMMERCIAL STREET
ReturnHeader/Filer/USAddress/CityNm0ATCHISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd0660022418
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:11:14
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/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-05-10T15:11:29-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,801,906
Liabilities
$3,517,701
Net assets
$284,205
Revenue
$256,114
Expenses
$220,578
Net income
$35,536
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