Civic Intelligence

River Cities Community Credit Union

990 • Fiscal year 2019 • EIN 48-6106100

Jan 01, 2019 to Dec 31, 2019 • Filed on Apr 13, 2020

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

92nd percentile

0.91x

Higher debt load relative to assets than 92% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

32nd percentile

11.57x

Higher debt load relative to revenue than 32% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

90th percentile

24%

Higher net margin than 90% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

75th percentile

$45,583

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

92nd percentile

8.4%

Faster asset growth than 92% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

88th percentile

15%

Faster revenue growth than 88% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$4,920,406

Up $381,683 (+8.4%) from 2018

Net Assets

Up

$453,772

Up $90,818 (+25%) from 2018

Liabilities

Up

$4,466,634

Up $290,865 (+7.0%) from 2018

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin90th percentile

Revenue

Up

$386,080

Up $50,163 (+15%) from 2018

Expenses

Up

$295,262

Up $38,094 (+15%) from 2018

Net Income

Up

$90,818

Up $12,069 (+15%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth92nd 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

2019

Assets$4,920,406
Liabilities$4,466,634
Net Assets$453,772
Open 2019 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

2019

Revenue$386,080
Expenses$295,262
Net Income$90,818
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Apr 13, 2020
Return Version
2019v5.1
Gross Receipts
$386,080
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$4,308,309$4,503,651▲ $195,342
Rtn Earn Endowment Incm Other Fnds$362,954$453,772▲ $90,818
Savings and Temporary Cash Investments$28,996$179,666▲ $150,670
Land, Buildings, and Equipment, Net$106,245$100,047▼ $6,198
Cash and Non-Interest-Bearing Accounts$37,923$77,808▲ $39,885
Prepaid Expenses and Deferred Charges$13,026$9,326▼ $3,700
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$4,538,723$4,920,406▲ $381,683
Other Assets Total$44,224$49,908▲ $5,684
Liabilities
Other Liabilities$4,020,140$4,457,390▲ $437,250
Mortgage Notes Payable Secured by Investment Property$157,244--
Accounts Payable and Accrued Expenses$-1,615$9,244▲ $10,859
Total Liabilities$4,175,769$4,466,634▲ $290,865
Net Assets / Fund Balance
Total Net Assets Fund Balance$362,954$453,772▲ $90,818
Total Liabilities and Net Assets / Fund Balance$4,538,723$4,920,406▲ $381,683

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$88,734$10,723$99,457
Equipment$1,313$9,523$10,836
Land$10,000-$10,000
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bev McconaugheyManagerFT$44,255$1,328$45,583

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
$0
Program Service Revenue
$379,215
Investment Income
$1,377
Other Revenue
$5,488
Change in Net Assets
$90,818
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$194,298
Salaries, Compensation, and Employee Benefits$100,964
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$46,076
Current Officers, Directors, Trustees, and Key Employees---$45,583
Office Expenses---$40,404
Fees for Services Other---$21,809
Occupancy---$13,401
Payroll Taxes---$8,949
Depreciation Depletion---$6,415
Advertising---$6,058
Insurance---$4,584
Conferences and Meetings---$3,923
Other Expenses---$3,320
Interest---$2,564
All Other Expenses---$2,444
Fees for Services Accounting---$2,279
Travel---$1,298
Pension Plan Contributions---$356
Total Functional Expenses$0$0$0$295,262
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$4,457,390
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
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

“Certain significant changes are subject to approval by the credit union members. Subsequent to year-end, members approved the board's recommendation to merge with frontier community credit union in 2020.”

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 at the credit union, 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
513 COMMERCIAL STREET, ATCHISON, KS 66002-2418

Signing Officer

Name
Bev Mcconaughey
Title
Manager
Phone
9133671488
Signed
2020-04-13
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 provided budget management training for the nek community action program and financial education for the girl scouts.”

Raw XML Appendix358 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
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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, 2019, THERE WERE 588 LOANS OUTSTANDING TOTALING $4,542,541.
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt09523
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010836
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt010000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt010000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04457390
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PROVIDES CREDIT COUNSELING TO MEMBERS AS REQUESTED. IN ADDITION, THEY PROVIDED BUDGET MANAGEMENT TRAINING FOR THE NEK COMMUNITY ACTION PROGRAM AND FINANCIAL EDUCATION FOR THE GIRL SCOUTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part IV, Line 2b:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0100047
IRS990ScheduleD/TotalLiabilityAmt04457390
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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS. SUBSEQUENT TO YEAR-END, MEMBERS APPROVED THE BOARD'S RECOMMENDATION TO MERGE WITH FRONTIER COMMUNITY CREDIT UNION IN 2020.
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 AT THE CREDIT UNION, 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 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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt04538723
IRS990/TotalAssetsEOYAmt04920406
IRS990/TotalAssetsGrp/BOYAmt04538723
IRS990/TotalAssetsGrp/EOYAmt04920406
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0295262
IRS990/TotalGrossUBIAmt06600
IRS990/TotalLiabilitiesBOYAmt04175769
IRS990/TotalLiabilitiesEOYAmt04466634
IRS990/TotalLiabilitiesGrp/BOYAmt04175769
IRS990/TotalLiabilitiesGrp/EOYAmt04466634
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0362954
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0453772
IRS990/TotalOtherCompensationAmt01328
IRS990/TotalProgramServiceRevenueAmt0379215
IRS990/TotalReportableCompFromOrgAmt044255
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0379480
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0386080
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06600
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04538723
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04920406
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01298
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
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BEV MCCONAUGHEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum09133671488
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-04-13
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/AtSubmissionCreationDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02020-04-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:40:35
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
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/PreparationDt02020-04-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02020-04-13T11:40:50-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,920,406
Liabilities
$4,466,634
Net assets
$453,772
Revenue
$386,080
Expenses
$295,262
Net income
$90,818
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