2020-05-01T13:58:39-05:00 2019-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 66061 990 2019-01-01 480669498 ENVISTA CREDIT UNION ENVI 7852280149 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 RONALD D SMELTZER PRESIDENT/CEO, TREASURER 7852280149 2020-05-01 1 GERALD TENBRINK P00638199 9138946214 2020-04-15 97.87.82.114 2020-05-01 13:58:21 CD P 90B5988E53CBDDD12AFD5F67CACC6EB659604036 90B5988E53CBDDD12AFD5F67CACC6EB659604036 2019 2021-04-22 16:20:28Z RONALD D SMELTZER 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 24934089 0 X WWW.ENVISTACU.COM X 1957 KS TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 7 7 200 8 67358 0 0 0 20623094 23722870 320078 1169390 73865 41829 21017037 24934089 0 0 0 0 6720346 8044478 0 0 0 9637116 12094023 16357462 20138501 4659575 4795588 361814795 396019190 323331806 352572353 38482989 43446837 X TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 1 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 44,249 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2019, THERE WERE 25,606 LOANS OUTSTANDING TOTALING $339,641,408. PAID DIVIDENDS ON DEPOSITS TOTALING $2,719,014 FOR THE YEAR. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 10986 0 1 200 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 0 0 0 X RONALD D SMELTZER 7852280149 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 DANIEL RAMSEY CHAIRMAN 1.00 X 0 0 0 KEVIN HAN VICE CHAIRMAN 1.00 X 0 0 0 STEPHEN LOWRY SECRETARY 1.00 X 0 0 0 DEBORAH HALL DIRECTOR 1.00 X 0 0 0 JANET STANEK DIRECTOR 1.00 X 0 0 0 JANNEY DUNCAN DIRECTOR 1.00 X 0 0 0 RONALD D SMELTZER PRESIDENT/CEO, TREASURER 40.00 X X 291833 0 163111 ELIZABETH STEFFEN CFO/SENIOR VICE PRESIDENT-IT 40.00 X 185360 0 78125 TARA DIMICK CHIEF BUSINESS DEVELOPMENT OFFICER 40.00 X 136829 0 69212 ANDREA KABERLINE CHIEF LENDING OFFICER 40.00 X 116871 0 77186 MICHAEL BUSH VICE PRESIDENT-COMMERCIAL SERVICES 40.00 X 131834 0 54251 ASHLEY ESQUIBEL VICE PRESIDENT-HUMAN RESOURCES 40.00 X 104971 0 74831 STEVEN PARKIN MORTGAGE ADVISOR 40.00 X 105042 0 16148 1072740 0 532864 7 0 1 0 0 INTEREST ON LOANS 522100 14702337 14702337 FEES & OTHER INCOME 522100 8953175 8953175 NON-MEMBER ATM FEES 522100 55308 55308 WARRANTY SALES 524298 12050 12050 23722870 1169390 1169390 41829 41829 24934089 24866731 67358 0 718429 5712955 219888 920131 473075 17152 34222 159073 6168 195606 976128 4045517 671404 34398 216783 159434 637635 142348 DIVIDENDS ON SHARES 2719014 PROVISION FOR LOAN LOSS 1429702 LOAN SERVICING 544363 ASSOCIATION DUES 73097 31979 20138501 2541804 1821828 9671582 31708262 324999330 337117060 918498 872754 16621508 7090455 8966848 9531053 6044505 5075166 8672228 9893067 361814795 396019190 1481243 1630794 2776866 3281621 11000000 6500000 308073697 341159938 323331806 352572353 X 0 0 0 0 38482989 43446837 38482989 43446837 361814795 396019190 X 4795588 193429 -25169 X 0 0 0 2000 2000 2000 1 CREDIT UNION PAC OF KANSAS 901 SW TOPEKA BLVD TOPEKA KS 66612 480288307 2000 Part I-A, Line 1: CONTRIBUTION TO THE CREDIT UNION POLITICAL ACTION COMMITTEE OF KANSAS. 0 1 X 2367889 2367889 8420374 2722702 5697672 452321 30196 422125 5380924 4337557 1043367 9531053 MEMBER SHARES & DEPOSITS 339358516 ACCRUED DIVIDENDS PAYABLE 391507 ACCRUED POST RETIREMENT EXPENSE 347293 457(b) RETIREMENT PLAN 438395 457(f) RETIREMENT PLAN 386176 ACCRUED ANNUAL LEAVE 238051 341159938 X 24934089 0 24934089 0 24934089 20138501 0 20138501 0 20138501 Part IV, Line 2b: THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. ADDITIONALLY, PRINCIPAL AND INTEREST PAYMENTS FOR FREDDIE MAC LOANS ARE MAINTAINED IN A CUSTODIAL ACCOUNT UNTIL REMITTED MONTHLY. Part X, Line 2: THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE (IRC) OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME AND SUBSIDIARIES ARE SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE YEARS ENDED DECEMBER 31, 2018 AND DECEMBER 31, 2019. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AT DECEMBER 31, 2018 AND DECEMBER 31, 2019. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE. X 1 1 X X X 0 1 0 RONALD D SMELTZER PRESIDENT/CEO, TREASURER 253656 0 33005 0 5172 0 142956 0 20155 0 454944 0 0 0 ELIZABETH STEFFEN CFO/SENIOR VICE PRESIDENT-IT 160399 0 24478 0 483 0 64811 0 13314 0 263485 0 0 0 TARA DIMICK CHIEF BUSINESS DEVELOPMENT OFFICER 124856 0 11757 0 216 0 49497 0 19715 0 206041 0 0 0 ANDREA KABERLINE CHIEF LENDING OFFICER 108822 0 7888 0 161 0 57654 0 19532 0 194057 0 0 0 MICHAEL BUSH VICE PRESIDENT-COMMERCIAL SERVICES 109001 0 22629 0 204 0 36350 0 17901 0 186085 0 0 0 ASHLEY ESQUIBEL VICE PRESIDENT-HUMAN RESOURCES 97030 0 7786 0 155 0 55432 0 19399 0 179802 0 0 0 Part I, Line 1a ANNUAL YMCA MEMBERSHIP FEES ($408). Part I, Line 3 AN INDEPENDENT SALARY ADMINISTRATION FIRM MEETS WITH A COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES THEM WITH COMPARATIVE SALARY INFORMATION AND RECOMMENDATIONS, AND CONSULTS ON THE PRESIDENT/CEO'S SALARY. Part I, Line 4b THE FOLLOWING EMPLOYEES PARTICIPATED IN 457(f) DEFERRED COMPENSATION PLANS AND THE RELATED VALUATION ADJUSTMENTS RECORDED IN 2019 ARE LISTED BELOW: RONALD D. SMELTZER, PRESIDENT/CEO, TREASURER $112,980 ELIZABETH STEFFEN, CFO/SENIOR VICE PRESIDENT-IT $45,399 TARA DIMICK, CHIEF BUSINESS DEVELOPMENT OFFICER $45,399 ANDREA KABERLINE, CHIEF LENDING OFFICER $45,399 MICHAEL BUSH,VICE PRESIDENT-COMMERCIAL SERVICES $28,453 ASHELY ESQUIBEL, VICE PRESIDENT-HUMAN RESOURCES $45,399 THE FOLLOWING EMPLOYEES ALSO PARTICIPATED IN 457(b) DEFERRED COMPENSATION PLANS AND THE RELATED AMOUNTS RECORDED IN 2019 ARE LISTED BELOW: RONALD D. SMELTZER, PRESIDENT/CEO, TREASURER $12,900 ELIZABETH STEFFEN, CFO/SENIOR VICE PRESIDENT-IT $8,319 NO AMOUNTS WERE PAID OUT FROM THESE PLANS IN 2019. Form 990, Part III, line 2 DURING THE YEAR, THE CREDIT UNION EXPANDED MEMBER SERVICES TO INCLUDE DOCUSIGN (ELECTRONIC DOCUMENT SIGNING & DELIVERY) AND INSTANT ISSUE OF DEBIT & CREDIT CARDS. 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 CFO COMPLETES AND SUBMITS INFORMATION TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE RETURN. UPON COMPLETION, FINAL APPROVAL IS GIVEN BY THE CEO OR CFO. Form 990, Part VI, Section B, line 12c ON AN ANNUAL BASIS, ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION. Form 990, Part VI, Section B, line 15 AN INDEPENDENT SALARY ADMINISTRATION FIRM MEETS WITH A COMMITTEE OF THE BOARD OF DIRECTORS, PROVIDES THEM WITH COMPARATIVE SALARY INFORMATION AND RECOMMENDATIONS, AND CONSULTS ON THE PRESIDENT/CEO'S SALARY. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT/CEO AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE 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 MONTHLY IN EACH BRANCH 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 AVAILABLE UPON REQUEST. Form 990, Part XI, line 9: NET ADJUSTMENT FOR POST RETIREMENT BENEFITS -25,169.