Civic Intelligence

Kbr Credit Union

990 • Fiscal year 2013 • EIN 91-0678761

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 13, 2014

Organization ProfileWWW.KBRCU.ORG
803 E Portland AvenueTacoma, WA 98421

(253) 596-0256

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.88x

Higher debt load relative to assets than 63% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

66th percentile

23.37x

Higher debt load relative to revenue than 66% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

46th percentile

2.9%

Higher net margin than 46% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

86th percentile

$98,049

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 12.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

25th percentile

-1.6%

Faster asset growth than 25% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Down

$21,670,025

Down $348,474 (-1.6%) from 2012

Net Assets

Up

$2,521,903

Up $23,570 (+0.9%) from 2012

Liabilities

Down

$19,148,122

Down $372,044 (-1.9%) from 2012

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin46th percentile

Revenue

$819,426

No earlier filing loaded for comparison.

Expenses

Up

$795,856

Up $116,854 (+17%) from 2012

Net Income

$23,570

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth25th percentile

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

$30M$20M$10M$0Assets 2010: $22,140,603Liabilities 2010: $19,799,327Net Assets 2010: $2,341,2762010Assets 2011: $21,878,997Liabilities 2011: $19,479,606Net Assets 2011: $2,399,3912011Assets 2012: $22,018,499Liabilities 2012: $19,520,166Net Assets 2012: $2,498,3332012Assets 2013: $21,670,025Liabilities 2013: $19,148,122Net Assets 2013: $2,521,9032013Assets 2014: $21,728,683Liabilities 2014: $18,844,554Net Assets 2014: $2,884,1292014Assets 2015: $0Liabilities 2015: $0Net Assets 2015: $02015

Highlighted filing

2013

Assets$21,670,025
Liabilities$19,148,122
Net Assets$2,521,903
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$1.0M$500K$0Expenses 2010: $930,1702010Expenses 2011: $705,6062011Expenses 2012: $679,0022012Revenue 2013: $819,426Expenses 2013: $795,856Net Income 2013: $23,5702013Revenue 2014: $883,443Expenses 2014: $521,217Net Income 2014: $362,2262014Revenue 2015: $658,881Expenses 2015: $440,066Net Income 2015: $218,8152015

Highlighted filing

2013

Revenue$819,426
Expenses$795,856
Net Income$23,570
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 13, 2014
Return Version
2013v3.1
Gross Receipts
$819,426
Mission and Program Overview

Mission

To provide a trustworthy place for our members to improve their financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,609,558$10,302,382▼ $307,176
Savings and Temporary Cash Investments$9,593,583$9,811,903▲ $218,320
Rtn Earn Endowment Incm Other Fnds$2,498,333$2,521,903▲ $23,570
Cash and Non-Interest-Bearing Accounts$1,335,840$1,181,485▼ $154,355
Land, Buildings, and Equipment, Net$155,289$130,625▼ $24,664
Prepaid Expenses and Deferred Charges$25,566$24,882▼ $684
Total Assets$22,018,499$21,670,025▼ $348,474
Other Assets Total$298,663$218,748▼ $79,915
Liabilities
Other Liabilities$19,517,501$19,131,800▼ $385,701
Accounts Payable and Accrued Expenses$2,665$16,322▲ $13,657
Total Liabilities$19,520,166$19,148,122▼ $372,044
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,498,333$2,521,903▲ $23,570
Total Liabilities and Net Assets / Fund Balance$22,018,499$21,670,025▼ $348,474

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$83,120$42,530$125,650
Leasehold Improvements$47,505$57,219$104,724
Equipment-$93,840$93,840
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-President/ceFT$86,000$12,049$98,049

Board Members and Trustees

NameTitle
Lindsey ParkinsonBoard Chair
Bill DisbrowBoard Member
Georgia StoneBoard Member
Kolin McmannBoard Member
Wallace SimmsBoard Secret
Sharon WhiteBoard Treasu
Steve JonesBoard Vice-c
Revenue and Support

Revenue Composition

Contributions and Grants
$1,501
Program Service Revenue
$723,776
Investment Income
$94,149
Other Revenue
$0
All Other Contributions
$1,501
Change in Net Assets
$23,570
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$569,390
Salaries, Compensation, and Employee Benefits$226,466
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---$98,049
Other Salaries and Wages---$82,126
Interest---$57,177
All Other Expenses---$41,931
Insurance---$36,998
Occupancy---$28,484
Other Expenses---$27,441
Other Employee Benefits---$27,320
Depreciation Depletion---$24,665
Conferences and Meetings---$23,972
Payroll Taxes---$15,071
Office Expenses---$14,541
Fees for Services Accounting---$13,261
Fees for Services Legal---$12,254
Advertising---$6,744
Pension Plan Contributions---$3,900
Fees for Services Other---$2,982
Travel---$2,107
Total Functional Expenses$0$0$0$795,856
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
Share Deposits$19,131,800
Other Liabilities-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
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, Page 6, Part VI, Line 6

“The credit union has 1640 members and is chartered as a credit union with members owning shares/amounts they deposit with the credit union.”

Form 990, Page 6, Part VI, Line 7A

“Credit union members elect all members of the board of directors and supervisory committee.”

Form 990, Page 6, Part VI, Line 7B

“Significant decisions such as merger with another credit union or changes to the charter require appoval of the membership.”

Form 990, Page 6, Part VI, Line 11B

“The 990 is prepared by an outside cpa firm and is reviewed by the president/ceo prior to submission.”

Form 990, Page 6, Part VI, Line 12C

“The conflict of interest/ethics policy requires contemporaneous disclosure of conflicts as they occur.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors annually approves compensation of officers, including the president/ceo.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors annually approves compensation of officers, including the ceo.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

EIN
91-0678761
Phone
2535960256

Signing Officer

Name
Kolin Mcmann
Title
President/CEO
Phone
2535960256
Signed
2014-11-13

Organization Details

Principal Officer
Kolin Mcmann
Formed
1940
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
3

Preparer

Preparer
Roger Jones
Phone
2538912940
Raw XML Appendix343 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 1640 MEMBERS AND IS CHARTERED AS A CREDIT UNION WITH MEMBERS OWNING SHARES/AMOUNTS THEY DEPOSIT WITH THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION MEMBERS ELECT ALL MEMBERS OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT DECISIONS SUCH AS MERGER WITH ANOTHER CREDIT UNION OR CHANGES TO THE CHARTER REQUIRE APPOVAL OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 990 IS PREPARED BY AN OUTSIDE CPA FIRM AND IS REVIEWED BY THE PRESIDENT/CEO PRIOR TO SUBMISSION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CONFLICT OF INTEREST/ETHICS POLICY REQUIRES CONTEMPORANEOUS DISCLOSURE OF CONFLICTS AS THEY OCCUR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS ANNUALLY APPROVES COMPENSATION OF OFFICERS, INCLUDING THE PRESIDENT/CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS ANNUALLY APPROVES COMPENSATION OF OFFICERS, INCLUDING THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022018499
IRS990/TotalAssetsEOYAmt021670025
IRS990/TotalAssetsGrp/BOYAmt022018499
IRS990/TotalAssetsGrp/EOYAmt021670025
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01501
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0795856
IRS990/TotalGrossUBIAmt03300
IRS990/TotalLiabilitiesBOYAmt019520166
IRS990/TotalLiabilitiesEOYAmt019148122
IRS990/TotalLiabilitiesGrp/BOYAmt019520166
IRS990/TotalLiabilitiesGrp/EOYAmt019148122
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02498333
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02521903
IRS990/TotalOtherCompensationAmt012049
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0236
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0236
IRS990/TotalProgramServiceRevenueAmt0723776
IRS990/TotalReportableCompFromOrgAmt086000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0814625
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0819426
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03300
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022018499
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021670025
IRS990/TravelGrp/TotalAmt02107
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10803 E PORTLAND AVENUE
IRS990/USAddress/City0TACOMA
IRS990/USAddress/State0WA
IRS990/USAddress/ZIPCode098421
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KOLIN MCMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02535960256
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10KBR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KBRC
ReturnHeader/Filer/EIN0910678761
ReturnHeader/Filer/PhoneNum02535960256
ReturnHeader/Filer/USAddress/AddressLine10803 E PORTLAND AVENUE
ReturnHeader/Filer/USAddress/City0TACOMA
ReturnHeader/Filer/USAddress/State0WA
ReturnHeader/Filer/USAddress/ZIPCode098421
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261409826
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10BROWN & SENN ACCOUNTING LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10823 MAIN ST 7
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0SUMNER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode098390
ReturnHeader/PreparerPersonGrp/PhoneNum02538912940
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROGER JONES
ReturnHeader/ReturnTs02014-11-17T13:46:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,670,025
Liabilities
$19,148,122
Net assets
$2,521,903
Revenue
$819,426
Expenses
$795,856
Net income
$23,570
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.66$0.44$0.22
2014Detailed filing. Detailed filing data is available for this year.$21.7$18.8$2.88$0.88$0.52$0.36
2013Detailed filing. Detailed filing data is available for this year.$21.7$19.1$2.52$0.82$0.80$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$19.5$2.50$0.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.9$19.5$2.40$0.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.1$19.8$2.34$0.93