Civic Intelligence

Kbr Credit Union

990 • Fiscal year 2014 • EIN 91-0678761

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 16, 2015

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

50th percentile

0.87x

Higher debt load relative to assets than 50% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

56th percentile

21.33x

Higher debt load relative to revenue than 56% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

99th percentile

41%

Higher net margin than 99% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

83rd percentile

$99,261

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 11.2% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

36th percentile

0.3%

Faster asset growth than 36% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

86th percentile

7.8%

Faster revenue growth than 86% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$21,728,683

Up $58,658 (+0.3%) from 2013

Net Assets

Up

$2,884,129

Up $362,226 (+14%) from 2013

Liabilities

Down

$18,844,554

Down $303,568 (-1.6%) from 2013

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin99th percentile

Revenue

Up

$883,443

Up $64,017 (+7.8%) from 2013

Expenses

Down

$521,217

Down $274,639 (-35%) from 2013

Net Income

Up

$362,226

Up $338,656 (+1437%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth36th 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

2014

Assets$21,728,683
Liabilities$18,844,554
Net Assets$2,884,129
Open 2014 Filing

Operations Trend

Revenue Growth86th percentile

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

2014

Revenue$883,443
Expenses$521,217
Net Income$362,226
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 16, 2015
Return Version
2014v5.0
Gross Receipts
$883,443
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$9,811,903$10,248,166▲ $436,263
Other Notes and Loans Receivable, Net$10,302,382$9,469,800▼ $832,582
Rtn Earn Endowment Incm Other Fnds$2,521,903$2,884,129▲ $362,226
Cash and Non-Interest-Bearing Accounts$1,181,485$1,609,901▲ $428,416
Land, Buildings, and Equipment, Net$130,625$133,044▲ $2,419
Prepaid Expenses and Deferred Charges$24,882$52,643▲ $27,761
Accounts Receivable-$197-
Total Assets$21,670,025$21,728,683▲ $58,658
Other Assets Total$218,748$214,932▼ $3,816
Liabilities
Other Liabilities$19,131,800$18,826,562▼ $305,238
Accounts Payable and Accrued Expenses$16,322$17,992▲ $1,670
Total Liabilities$19,148,122$18,844,554▼ $303,568
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,521,903$2,884,129▲ $362,226
Total Liabilities and Net Assets / Fund Balance$21,670,025$21,728,683▲ $58,658

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$88,778$61,433$150,211
Leasehold Improvements$44,266$60,458$104,724
Equipment-$31,901$31,901
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
-President/ceFT$93,358$5,903$99,261

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
$1,722
Program Service Revenue
$652,235
Investment Income
$100,956
Other Revenue
$128,530
All Other Contributions
$1,722
Change in Net Assets
$362,226
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$279,928
Salaries, Compensation, and Employee Benefits$241,289
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$98,984
Current Officers, Directors, Trustees, and Key Employees---$93,358
Other Employee Benefits---$28,662
All Other Expenses---$22,932
Depreciation Depletion---$22,141
Conferences and Meetings---$16,811
Payroll Taxes---$16,014
Other Expenses---$15,696
Insurance---$13,963
Office Expenses---$13,360
Fees for Services Accounting---$12,996
Advertising---$8,146
Occupancy---$7,639
Fees for Services Legal---$6,086
Pension Plan Contributions---$4,271
Fees for Services Other---$2,485
Travel---$1,568
Total Functional Expenses$0$0$0$521,217
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$18,826,562
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

Filer Name
Kbr Credit Union
EIN
91-0678761
Phone
2535960256
Address
803 E PORTLAND AVENUE, TACOMA, WA 98421

Signing Officer

Name
Kolin Mcmann
Title
President/CEO
Phone
2535960256
Signed
2015-11-16

Organization Details

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

Preparer

Firm
Jones & Sas LLC
Address
23515 NE NOVELTY HILL RD STE B221, REDMOND, WA 98053-1996
Preparer
Roger Jones
Phone
2533707524
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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/TotalAssetsBOYAmt021670025
IRS990/TotalAssetsEOYAmt021728683
IRS990/TotalAssetsGrp/BOYAmt021670025
IRS990/TotalAssetsGrp/EOYAmt021728683
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt01722
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0521217
IRS990/TotalGrossUBIAmt01800
IRS990/TotalLiabilitiesBOYAmt019148122
IRS990/TotalLiabilitiesEOYAmt018844554
IRS990/TotalLiabilitiesGrp/BOYAmt019148122
IRS990/TotalLiabilitiesGrp/EOYAmt018844554
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02521903
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02884129
IRS990/TotalOtherCompensationAmt05903
IRS990/TotalProgramServiceRevenueAmt0652235
IRS990/TotalReportableCompFromOrgAmt093358
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0879921
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0883443
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01800
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021670025
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021728683
IRS990/TravelGrp/TotalAmt01568
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0803 E PORTLAND AVENUE
IRS990/USAddress/CityNm0TACOMA
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098421
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.KBRCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0KOLIN MCMANN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02535960256
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KBR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KBRC
ReturnHeader/Filer/EIN0910678761
ReturnHeader/Filer/PhoneNum02535960256
ReturnHeader/Filer/USAddress/AddressLine1Txt0803 E PORTLAND AVENUE
ReturnHeader/Filer/USAddress/CityNm0TACOMA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098421
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JONES & SAS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt023515 NE NOVELTY HILL RD STE B221
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0REDMOND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0980531996
ReturnHeader/PreparerPersonGrp/PhoneNum02533707524
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROGER JONES
ReturnHeader/ReturnTs02015-11-16T17:09:37-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,728,683
Liabilities
$18,844,554
Net assets
$2,884,129
Revenue
$883,443
Expenses
$521,217
Net income
$362,226
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