2019-05-14T15:39:51-05:00 2018-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 66061 990 2018-01-01 480669498 ENVISTA CREDIT UNION ENVI 7852280149 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 RONALD D SMELTZER PRESIDENT/CEO, TREASURER 7852280149 2019-05-14 1 JERRY TENBRINK P00638199 9138946214 97.87.82.114 2019-05-14 15:39:39 CD P DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3 DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3 2018 2019-02-21 02:37:17Z RONALD D SMELTZER 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 21017037 0 X WWW.ENVISTACU.COM X 1957 KS TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 7 7 189 9 60177 0 0 0 18065494 20623094 1426629 320078 43946 73865 19536069 21017037 0 0 0 0 6464199 6720346 0 0 0 10476848 9637116 16941047 16357462 2595022 4659575 349244486 361814795 315465014 323331806 33779472 38482989 X TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 1 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 42,557 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 24,782 LOANS OUTSTANDING TOTALING $327,438,637. PAID DIVIDENDS ON DEPOSITS TOTALING $1,900,602 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 10416 0 1 189 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 DSMELTZER 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 TODD BEEMER DIRECTOR 1.00 X 0 0 0 RONALD D SMELTZER PRESIDENT/CEO, TREASURER 40.00 X X 270103 0 -45978 ELIZABETH STEFFEN CFO/SENIOR VICE PRESIDENT-IT 40.00 X 166967 0 -6567 TARA DIMICK SENIOR VICE PRESIDENT-BUSINESS DEVELOPMENT 40.00 X 119339 0 -14531 MICHAEL BUSH VICE PRESIDENT-COMMERCIAL SERVICES 40.00 X 117183 0 -11135 ANDREA KABERLINE VICE PRESIDENT-RETAIL SERVICES 40.00 X 106186 0 -8010 779778 0 -86221 5 0 1 0 0 INTEREST ON LOANS 522100 12956879 12956879 FEES & OTHER INCOME 522100 7606038 7606038 NON-MEMBER ATM FEES 522100 53702 53702 WARRANTY SALES 524298 6475 6475 20623094 320078 320078 73865 73865 21017037 20956860 60177 0 384525 5019864 188342 703822 423793 8164 7861 103471 6168 282151 926051 2855877 629673 32030 201185 235672 482682 130966 DIVIDENDS & INTEREST ON 1900602 PROVISION FOR LOAN LOSS 1225758 LOAN SERVICING 499942 ASSOCIATION DUES 71143 37720 16357462 4121590 2541804 5633002 9671582 314066831 324999330 937374 918498 15411110 6444262 8732292 8966848 7498376 6044505 8255021 8672228 349244486 361814795 4882981 1481243 2424253 2776866 16501312 11000000 291656468 308073697 315465014 323331806 X 0 0 0 0 33779472 38482989 33779472 38482989 349244486 361814795 X 4659575 -33831 77773 X 0 1 X 1 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 8210372 2547655 5662717 114266 20602 93664 4718583 3876005 842578 8966848 MEMBER SHARES & DEPOSITS 306819160 ACCRUED DIVIDENDS PAYABLE 267273 ACCRUED POST RETIREMENT EXPENSE 335373 457(b) RETIREMENT PLAN 429088 457(f) RETIREMENT PLAN 3530 ACCRUED ANNUAL LEAVE 219273 308073697 X 21017037 0 21017037 0 21017037 16357462 0 16357462 0 16357462 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 YEAR ENDED DECEMBER 31, 2018. 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. 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 233338 0 31593 0 5172 0 -65259 0 19281 0 224125 0 0 0 ELIZABETH STEFFEN CFO/SENIOR VICE PRESIDENT-IT 146515 0 20024 0 428 0 -19344 0 12777 0 160400 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 2018 ARE LISTED BELOW: RONALD D. SMELTZER, PRESIDENT/CEO, TREASURER -$93,023 ELIZABETH STEFFEN, CFO/SENIOR VICE PRESIDENT -$36,777 TARA DIMICK, SENIOR VICE PRESIDENT -$36,777 MICHAEL BUSH, VICE PRESIDENT -$36,777 ANDREA KABERLINE, VICE PRESIDENT -$36,777 NO AMOUNTS WERE PAID OUT FROM THESE PLANS IN 2018. Form 990, Part III, line 2 DURING THE YEAR, THE CREDIT UNION: - UPGRADED EXISTING ONLINE BANKING SERVICES. - OFFERED P2P PAYMENTS ONLINE. - SOLD LOANS TO FHLBANK. - OFFERED VA, FHA AND FIRST TIME HOME BUYER OPTIONS FOR FIRST MORTGAGES. 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 PRESIDENT/CEO REVIEWS THE FORM 990 RETURN BEFORE FILING. 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 77,773.