2016-03-29T13:36:32-05:00 2015-12-31 431592217 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 66061 990 2015-01-01 480669498 ENVISTA CREDIT UNION ENVI 7852280149 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 GLEN SCOTT PRESIDENT/CEO 7852280149 2016-03-29 1 P00638199 9138946214 2015 2016-09-27 15:27:22Z GLEN SCOTT 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 20581244 0 X WWW.ENVISTACU.COM X 1957 KS TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 7 7 116 9 60586 -31183 0 0 12349064 14100504 722919 552622 34597 39541 13106580 14692667 0 0 1515 2503 4687031 5210976 0 0 0 6773183 6896216 11461729 12109695 1644851 2582972 265170567 300169233 238367389 270768910 26803178 29400323 TO PROVIDE MEMBERS WITH QUALITY SERVICES TO ACHIEVE THEIR FINANCIAL GOALS. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 37,040 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 19,397 LOANS OUTSTANDING TOTALING $253,779,148. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $955,460 FOR THE YEAR. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 0 0 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 8799 0 1 116 1 1 1 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 1 1 1 1 X GLEN SCOTT 7852280149 3626 SW WANAMAKER ROAD TOPEKA KS 666144528 DANIEL J RAMSEY CHAIRMAN 1.00 X 0 0 0 KEVIN J HAN VICE CHAIRMAN 1.00 X 0 0 0 KENNETH NORTON JR SECRETARY 1.00 X 0 0 0 STEVE LOWREY DIRECTOR 1.00 X 0 0 0 ANTHONY VARGAS DIRECTOR 1.00 X 0 0 0 TODD BEAMER DIRECTOR 1.00 X 0 0 0 DEBORAH HALL DIRECTOR 1.00 X 0 0 0 GLEN E SCOTT PRESIDENT/CEO, TREASURER 40.00 X X 283930 0 -63217 RONALD D SMELTZER EXECUTIVE VICE PRESIDENT 40.00 X 157518 0 -228 ELIZABETH STEFFEN VICE PRESIDENT - ACCOUNTING 40.00 X 109992 0 22889 551440 0 -40556 3 0 1 0 0 INTEREST ON LOANS 522100 9196898 9196898 FEES & OTHER INCOME 522100 4843020 4843020 NON-MEMBER ATM FEES 522100 54986 54986 WARRANTY SALES 522100 5600 5600 14100504 534585 534585 39541 39541 5906614 5888577 18037 18037 18037 14692667 14632081 60586 0 2503 510884 3657129 124984 553247 364732 6256 9444 107409 6168 325278 974593 1985661 583468 25457 176061 77918 524212 117770 MEMBER DIVIDENDS 955460 PROVISION FOR LOAN LOSS 585076 LOAN SERVICING 333967 ASSOCIATION DUES 58864 43154 12109695 5801019 4591873 11567901 8893762 197020402 252647409 744729 607461 14292434 5205642 9381155 9086792 33051946 685803 16745649 6917612 7596287 265170567 300169233 2593481 3662246 1795359 2152304 6786569 21944981 227191980 243009379 238367389 270768910 X 0 0 0 0 26803178 29400323 26803178 29400323 265170567 300169233 X 2582972 10249 3924 X 0 0 0 0 1 X 2367889 2367889 8115341 1990807 6124534 20505 9899 10606 3788699 3204936 583763 9086792 CAPITOL CUSO LLC 624283 C ATM CUSO LLC 80672 C HTM-FEDERAL AGENCY SEC. 5000000 C AFS-FEDERAL AGENCY SEC. 10111294 F FHLB CLASS A STOCK 265200 C FHLB CLASS B STOCK 664200 C 16745649 MEMBER SHARES & DEPOSITS 241969601 ACCRUED DIVIDENDS PAYABLE 108276 ACCRUED POST RETIREMENT EXPENSE 364734 457(b) RETIREMENT PLAN 314582 457(f) RETIREMENT PLAN 85775 ACCRUED ANNUAL LEAVE 166411 243009379 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. X 1 1 X X X 0 1 0 GLEN E SCOTT PRESIDENT/CEO, TREASURER 248079 0 31687 0 4164 0 -69753 0 6536 0 220713 0 0 0 RONALD D SMELTZER EXECUTIVE VICE PRESIDENT 141949 0 14104 0 1465 0 -17500 0 17272 0 157290 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 OFFICERS PARTICIPATED IN A 457(f) DEFERRED COMPENSATION PLAN AND THE RELATED AMOUNTS ACCRUED IN 2015 ARE LISTED BELOW: GLEN SCOTT, PRESIDENT/CEO - ($99,430) RONALD D. SMELTZER, EXECUTIVE VICE PRESIDENT - ($33,832) AT DECEMBER 31, 2015, THE PLAN'S INVESTMENTS TOTALED $2,868,936. NO AMOUNTS WERE PAID OUT IN 2015. 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 11 THE FORM 990 IS COMPLETED BY AN OUTSIDE ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY CREDIT UNION MANAGEMENT. UPON COMPLETION, THE RETURN IS REVIEWED AND APPROVED BY THE PRESIDENT/CEO. 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 3,924.