Civic Intelligence

Muddy River Credit Union

990 • Fiscal year 2018 • EIN 48-6106586

Jan 01, 2018 to Dec 31, 2018 • Filed on May 14, 2019

Organization ProfileN/A
315 South 4th StreetAtchison, KS 66002-2841

(913) 674-0933

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.86x

Higher debt load relative to assets than 62% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Liabilities / Revenue

35th percentile

15.01x

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

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Net Margin

3rd percentile

-32%

Higher net margin than 3% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Top Officer Pay

89th percentile

$87,951

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 21.7% of source-year revenue.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Asset Growth

16th percentile

-6.1%

Faster asset growth than 16% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Revenue Growth

94th percentile

20%

Faster revenue growth than 94% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$7,039,841

Down $455,815 (-6.1%) from 2017

Net Assets

Down

$956,910

Down $128,841 (-12%) from 2017

Liabilities

Down

$6,082,931

Down $326,974 (-5.1%) from 2017

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin3rd percentile

Revenue

Up

$405,276

Up $67,963 (+20%) from 2017

Expenses

Down

$534,117

Down $43,289 (-7.5%) from 2017

Net Income

Up

-$128,841

Up $111,252 (+46%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth16th 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

2018

Assets$7,039,841
Liabilities$6,082,931
Net Assets$956,910
Open 2018 Filing

Operations Trend

Revenue Growth94th 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

2018

Revenue$405,276
Expenses$534,117
Net Income-$128,841
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 14, 2019
Return Version
2018v3.1
Gross Receipts
$405,276
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$4,008,048$3,426,514▼ $581,534
Other Notes and Loans Receivable, Net$3,082,070$3,317,994▲ $235,924
Rtn Earn Endowment Incm Other Fnds$1,085,751$956,910▼ $128,841
Cash and Non-Interest-Bearing Accounts$339,313$231,351▼ $107,962
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,495,656$7,039,841▼ $455,815
Other Assets Total$66,225$63,982▼ $2,243
Liabilities
Other Liabilities$6,409,905$6,082,931▼ $326,974
Total Liabilities$6,409,905$6,082,931▼ $326,974
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,085,751$956,910▼ $128,841
Total Liabilities and Net Assets / Fund Balance$7,495,656$7,039,841▼ $455,815
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Rita HartmanManager / Secretary-treasurerFT$69,381$18,570$87,951

Board Members and Trustees

NameTitle
Charles CrosslandPresident
Anthony WilburnVice President
Joseph WilburnDirector
Marguerite HicksDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$373,138
Investment Income
$32,138
Other Revenue
$0
Change in Net Assets
$-128,841
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$339,180
Salaries, Compensation, and Employee Benefits$162,219
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---$87,951
Other Salaries and Wages---$40,546
Other Employee Benefits---$33,722
Benefits to Members---$32,718
All Other Expenses---$20,470
Office Expenses---$18,843
Fees for Services Legal---$10,997
Conferences and Meetings---$2,675
Fees for Services Accounting---$1,320
Other Expenses---$108
Total Functional Expenses$0$0$0$534,117
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$6,068,560
Accrued Dividends Payable$14,371
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

“Certain significant changes 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 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

“Bradken, inc. Compensates both credit union employees, including the manager. Compensation 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
Muddy River Credit Union
EIN
48-6106586
Phone
9136740933
Address
315 SOUTH 4TH STREET, ATCHISON, KS 66002-2841

Signing Officer

Name
Rita Hartman
Title
Manager/secretary-treasurer
Phone
9136740933
Signed
2019-05-14
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
Preparer
Jerry Tenbrink
Phone
9138946214
Raw XML Appendix300 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 362 LOANS OUTSTANDING TOTALING $3,573,787.
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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/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES 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/ExplanationTxt4BRADKEN, INC. COMPENSATES BOTH CREDIT UNION EMPLOYEES, INCLUDING THE MANAGER. COMPENSATION 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 11b
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/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0RITA HARTMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/SECRETARY-TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09136740933
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MUDDY RIVER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MUDD
ReturnHeader/Filer/EIN0486106586
ReturnHeader/Filer/PhoneNum09136740933
ReturnHeader/Filer/USAddress/AddressLine1Txt0315 SOUTH 4TH STREET
ReturnHeader/Filer/USAddress/CityNm0ATCHISON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KS
ReturnHeader/Filer/USAddress/ZIPCd0660022841
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02019-05-14
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:19:54
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/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02019-05-14T10:20:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,039,841
Liabilities
$6,082,931
Net assets
$956,910
Revenue
$405,276
Expenses
$534,117
Net income
-$128,841
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