Civic Intelligence

Muddy River Credit Union

990 • Fiscal year 2015 • EIN 48-6106586

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 29, 2016

Organization ProfileN/A
PO Box 188Atchison, KS 66002-0188

(913) 367-2121

Siviq Scores

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

Liabilities / Assets

40th percentile

0.84x

Higher debt load relative to assets than 40% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

34th percentile

16.49x

Higher debt load relative to revenue than 34% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

45th percentile

3.7%

Higher net margin than 45% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

77th percentile

$66,654

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 16.3% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

19th percentile

-3.2%

Faster asset growth than 19% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

6th percentile

-13%

Faster revenue growth than 6% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets40th percentile

Assets

Down

$8,058,274

Down $263,511 (-3.2%) from 2014

Net Assets

Up

$1,316,372

Up $15,243 (+1.2%) from 2014

Liabilities

Down

$6,741,902

Down $278,754 (-4.0%) from 2014

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin45th percentile

Revenue

Down

$408,948

Down $60,142 (-13%) from 2014

Expenses

Down

$393,705

Down $20,938 (-5.0%) from 2014

Net Income

Down

$15,243

Down $39,204 (-72%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth19th percentile

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

$10M$5.0M$0Assets 2010: $7,685,840Liabilities 2010: $6,713,457Net Assets 2010: $972,3832010Assets 2011: $7,686,177Liabilities 2011: $6,598,381Net Assets 2011: $1,087,7962011Assets 2012: $7,976,548Liabilities 2012: $6,799,389Net Assets 2012: $1,177,1592012Assets 2013: $8,027,768Liabilities 2013: $6,781,086Net Assets 2013: $1,246,6822013Assets 2014: $8,321,785Liabilities 2014: $7,020,656Net Assets 2014: $1,301,1292014Assets 2015: $8,058,274Liabilities 2015: $6,741,902Net Assets 2015: $1,316,3722015Assets 2016: $7,959,948Liabilities 2016: $6,634,044Net Assets 2016: $1,325,9042016Assets 2017: $7,495,656Liabilities 2017: $6,409,905Net Assets 2017: $1,085,7512017Assets 2018: $7,039,841Liabilities 2018: $6,082,931Net Assets 2018: $956,9102018Assets 2019: $6,946,116Liabilities 2019: $5,956,625Net Assets 2019: $989,4912019Assets 2020: $7,298,002Liabilities 2020: $6,281,583Net Assets 2020: $1,016,4192020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2015

Assets$8,058,274
Liabilities$6,741,902
Net Assets$1,316,372
Open 2015 Filing

Operations Trend

Revenue Growth6th percentile

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

$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2010: $372,2602010Expenses 2011: $307,8152011Expenses 2012: $387,5002012Revenue 2013: $485,805Expenses 2013: $416,282Net Income 2013: $69,5232013Revenue 2014: $469,090Expenses 2014: $414,643Net Income 2014: $54,4472014Revenue 2015: $408,948Expenses 2015: $393,705Net Income 2015: $15,2432015Revenue 2016: $348,507Expenses 2016: $338,975Net Income 2016: $9,5322016Revenue 2017: $337,313Expenses 2017: $577,406Net Income 2017: -$240,0932017Revenue 2018: $405,276Expenses 2018: $534,117Net Income 2018: -$128,8412018Revenue 2019: $430,591Expenses 2019: $398,010Net Income 2019: $32,5812019Revenue 2020: $359,313Expenses 2020: $332,385Net Income 2020: $26,9282020Revenue 2021: $163,928Expenses 2021: $1,186,361Net Income 2021: -$1,022,4332021

Highlighted filing

2015

Revenue$408,948
Expenses$393,705
Net Income$15,243
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 29, 2016
Return Version
2015v2.1
Gross Receipts
$408,948
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,268,079$4,259,318▼ $8,761
Other Notes and Loans Receivable, Net$3,598,277$3,333,712▼ $264,565
Rtn Earn Endowment Incm Other Fnds$1,301,129$1,316,372▲ $15,243
Cash and Non-Interest-Bearing Accounts$387,455$395,477▲ $8,022
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,321,785$8,058,274▼ $263,511
Other Assets Total$67,974$69,767▲ $1,793
Liabilities
Other Liabilities$7,020,656$6,741,902▼ $278,754
Total Liabilities$7,020,656$6,741,902▼ $278,754
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,301,129$1,316,372▲ $15,243
Total Liabilities and Net Assets / Fund Balance$8,321,785$8,058,274▼ $263,511
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Rita HartmanManager / Secretary-treasurerFT$66,654$66,654

Board Members and Trustees

NameTitle
Dennis AndersonPresident
Anthony WilburnVice President
Margie HicksDirector
Neal SmithDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$377,958
Investment Income
$30,990
Other Revenue
$0
Change in Net Assets
$15,243
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$194,846
Salaries, Compensation, and Employee Benefits$136,075
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$69,421
Current Officers, Directors, Trustees, and Key Employees---$66,654
Benefits to Members---$62,784
Office Expenses---$25,204
All Other Expenses---$18,597
Fees for Services Legal---$9,600
Other Expenses---$7,145
Conferences and Meetings---$2,374
Fees for Services Accounting---$1,866
Fees for Services Other---$1,542
Occupancy---$668
Advertising---$79
Total Functional Expenses$0$0$0$393,705
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$6,725,266
Accrued Dividends Payable$16,636
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 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 form 990 is reviewed by the manager/secretary-treasurer before filing. In addition, it is reviewed and discussed at a board meeting.”

Form 990, Part VI, Section B, line 15

“Compensation for both employees, including the manager is determined by the bradken human resources department and is presented to the credit union's board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the 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 avaiable upon request.”

Filing and Contact Details

Filer

Filer Name
Bradken Credit Union
EIN
48-6106586
Phone
9133672121
Address
PO BOX 188, ATCHISON, KS 66002-0188

Signing Officer

Name
Rita Hartman
Title
Manager/secretary-treasurer
Phone
9133672121
Signed
2016-03-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Rita Hartman
Formed
1939
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
11

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Phone
9138946214
Raw XML Appendix294 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/TitleTxt2VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990/MoreThan5000KToOrgInd00
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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, 2015, THERE WERE 390 LOANS OUTSTANDING TOTALING $3,402,694.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $71,436 FOR THE YEAR.
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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 ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE MANAGER/SECRETARY-TREASURER BEFORE FILING. IN ADDITION, IT IS REVIEWED AND DISCUSSED AT A BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR BOTH EMPLOYEES, INCLUDING THE MANAGER IS DETERMINED BY THE BRADKEN HUMAN RESOURCES DEPARTMENT AND IS PRESENTED TO THE CREDIT UNION'S BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE 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 AVAIABLE 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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
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IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RITA HARTMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/SECRETARY-TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09133672121
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BRADKEN CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BRAD
ReturnHeader/Filer/EIN0486106586
ReturnHeader/Filer/PhoneNum09133672121
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 188
ReturnHeader/Filer/USAddress/CityNm0ATCHISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd0660020188
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/ReturnTs02016-03-29T13:35:36-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,058,274
Liabilities
$6,741,902
Net assets
$1,316,372
Revenue
$408,948
Expenses
$393,705
Net income
$15,243
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.16$1.19$1.02
2020Detailed filing. Detailed filing data is available for this year.$7.30$6.28$1.02$0.36$0.33$0.03
2019Detailed filing. Detailed filing data is available for this year.$6.95$5.96$0.99$0.43$0.40$0.03
2018Detailed filing. Detailed filing data is available for this year.$7.04$6.08$0.96$0.41$0.53$0.13
2017Detailed filing. Detailed filing data is available for this year.$7.50$6.41$1.09$0.34$0.58$0.24
2016Detailed filing. Detailed filing data is available for this year.$7.96$6.63$1.33$0.35$0.34$0.01
2015Detailed filing. Detailed filing data is available for this year.$8.06$6.74$1.32$0.41$0.39$0.02
2014Detailed filing. Detailed filing data is available for this year.$8.32$7.02$1.30$0.47$0.41$0.05
2013Detailed filing. Detailed filing data is available for this year.$8.03$6.78$1.25$0.49$0.42$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.98$6.80$1.18$0.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.69$6.60$1.09$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.69$6.71$0.97$0.37