C&R Credit Union
Nonprofit profile at a glance
- EIN
- 480680561
- IRS 990 coverage
- 2010–2012
- Forms available
- Form 990 2012
- Location
- Clay Center, KS, USA
- Phone
- 7856325161
- Rating confidence
- Limited
Reported finances
- Revenue
- $164,402
- Expenses
- $260,269
- Assets
- $3,373,934
- Liabilities
- $3,026,773
Source: IRS Form 990. Selected filing: tax year 2012. Amounts in USD.
Leadership & pay
5 people listed
Source: IRS Form 990. Selected filing: tax year 2012. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Provider of Financial Services for Mutual purposes
What it reported doing in 2012
Provides financial and financially beneficial products and services to 1599 members
Operating model
- Revenue model
- Other-operating. 85% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 84
- Sustainability: 35
- Growth: 20
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 60th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 5 of 8 controls in place; rating input score 62
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -58.3%; rating input score 4; 4th percentile among comparable filings
- Total-asset coverage ratio: 12.96; rating input score 92; 92nd percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 9; 9th percentile among comparable filings
- Officer compensation ratio: 7.9%; rating input score 40; 40th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: -0.3% per year; rating input score 0; 41st percentile among comparable filings
- Asset growth: 5% per year; rating input score 100; 61st percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 5 of 5 board members independent · 5 of 8 filing controls reported
- Programs: 2 filed program accomplishments · $251K in reported program spending
- Leadership: top reported pay $20K · 5 people listed
- Consistency: 10 of 10 current checks pass
- Schedules: 3 filed schedules
- Filing history: 3 filing years from 2010 to 2012
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Growth: Revenue growth scored 0/100.
- Review — Accountability: Governance controls: 2 of 7 not reported.
- High — Sustainability: Operating margin scored 4/100.
- High — Sustainability: Liabilities to assets ratio scored 9/100.
- Moderate — Sustainability: Officer compensation ratio scored 40/100.