Civic Intelligence

County Credit Union

EIN 23-7062193 • 501(c)14 • Clayton, MO

View Organization Page

Profile

Cooperative provider of financial services

130 South Bemiston Avenue Ste 100Clayton, MO 63105-1913

www.countycu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

60th percentile

0.88x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

32nd percentile

13.76x

Higher debt load relative to revenue than 32% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

60th percentile

13%

Higher net margin than 60% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$107,885

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

55th percentile

1.6%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

68th percentile

15%

Faster revenue growth than 68% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$25,322,716

Up $401,481 (+1.6%) from 2023

Liabilities

Up

$22,373,326

Up $191,948 (+0.9%) from 2023

Net Assets

Up

$2,949,390

Up $209,533 (+7.6%) from 2023

Operations
Liabilities / Revenue32nd percentileNet Margin60th percentile

Revenue

Up

$1,626,363

Up $210,510 (+15%) from 2023

Expenses

Up

$1,416,830

Up $95,462 (+7.2%) from 2023

Net Income

Up

$209,533

Up $115,048 (+122%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $17,865,557Liabilities 2010: $14,664,781Net Assets 2010: $3,200,7762010Assets 2011: $18,282,753Liabilities 2011: $15,068,193Net Assets 2011: $3,214,5602011Assets 2012: $17,962,484Liabilities 2012: $14,675,448Net Assets 2012: $3,287,0362012Assets 2013: $18,065,713Liabilities 2013: $14,801,808Net Assets 2013: $3,263,9052013Assets 2014: $18,541,108Liabilities 2014: $15,269,923Net Assets 2014: $3,271,1852014Assets 2015: $18,656,441Liabilities 2015: $15,299,611Net Assets 2015: $3,356,8302015Assets 2016: $19,295,095Liabilities 2016: $15,934,426Net Assets 2016: $3,360,6692016Assets 2017: $19,075,221Liabilities 2017: $15,677,824Net Assets 2017: $3,397,3972017Assets 2018: $19,460,240Liabilities 2018: $16,242,658Net Assets 2018: $3,217,5822018Assets 2019: $19,537,950Liabilities 2019: $16,513,187Net Assets 2019: $3,024,7632019Assets 2020: $22,118,502Liabilities 2020: $19,173,770Net Assets 2020: $2,944,7322020Assets 2021: $25,020,655Liabilities 2021: $22,198,916Net Assets 2021: $2,821,7392021Assets 2022: $26,363,373Liabilities 2022: $23,534,714Net Assets 2022: $2,828,6592022Assets 2023: $24,921,235Liabilities 2023: $22,181,378Net Assets 2023: $2,739,8572023Assets 2024: $25,322,716Liabilities 2024: $22,373,326Net Assets 2024: $2,949,3902024

Highlighted filing

2024

Assets$25,322,716
Liabilities$22,373,326
Net Assets$2,949,390
Open 2024 Filing

Operations Trend

Revenue Growth68th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $991,9682010Expenses 2011: $973,3982011Expenses 2012: $853,3512012Revenue 2013: $864,984Expenses 2013: $888,115Net Income 2013: -$23,1312013Revenue 2014: $870,937Expenses 2014: $863,657Net Income 2014: $7,2802014Revenue 2015: $1,001,458Expenses 2015: $915,813Net Income 2015: $85,6452015Revenue 2016: $1,028,770Expenses 2016: $1,024,933Net Income 2016: $3,8372016Revenue 2017: $1,153,545Expenses 2017: $1,116,817Net Income 2017: $36,7282017Revenue 2018: $1,214,661Expenses 2018: $1,394,476Net Income 2018: -$179,8152018Revenue 2019: $1,212,107Expenses 2019: $1,404,926Net Income 2019: -$192,8192019Revenue 2020: $1,009,078Expenses 2020: $1,089,109Net Income 2020: -$80,0312020Revenue 2021: $951,694Expenses 2021: $1,074,687Net Income 2021: -$122,9932021Revenue 2022: $1,225,497Expenses 2022: $1,218,577Net Income 2022: $6,9202022Revenue 2023: $1,415,853Expenses 2023: $1,321,368Net Income 2023: $94,4852023Revenue 2024: $1,626,363Expenses 2024: $1,416,830Net Income 2024: $209,5332024

Highlighted filing

2024

Revenue$1,626,363
Expenses$1,416,830
Net Income$209,533
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$25,322,716
Liabilities
$22,373,326
Net assets
$2,949,390
Revenue
$1,626,363
Expenses
$1,416,830
Net income
$209,533
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.3$22.4$2.95$1.63$1.42$0.21
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.9$22.2$2.74$1.42$1.32$0.09
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.4$23.5$2.83$1.23$1.22$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.0$22.2$2.82$0.95$1.07$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.1$19.2$2.94$1.01$1.09$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.5$16.5$3.02$1.21$1.40$0.19
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.5$16.2$3.22$1.21$1.39$0.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.1$15.7$3.40$1.15$1.12$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.3$15.9$3.36$1.03$1.02$0.00
2015Detailed filing. Detailed filing data is available for this year.$18.7$15.3$3.36$1.00$0.92$0.09
2014Detailed filing. Detailed filing data is available for this year.$18.5$15.3$3.27$0.87$0.86$0.01
2013Detailed filing. Detailed filing data is available for this year.$18.1$14.8$3.26$0.86$0.89$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.0$14.7$3.29$0.85
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$15.1$3.21$0.97
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.9$14.7$3.20$0.99
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Feb 27, 2023
Return Version
2022v4.0
Gross Receipts
$1,225,497
Mission and Program Overview

Mission

Cooperative provider of financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,627,419$12,802,598▲ $3,175,179
Savings and Temporary Cash Investments$14,466,333$12,080,787▼ $2,385,546
Rtn Earn Endowment Incm Other Fnds$2,821,739$2,828,659▲ $6,920
Cash and Non-Interest-Bearing Accounts$238,782$178,131▼ $60,651
Land, Buildings, and Equipment, Net$215,038$174,359▼ $40,679
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$25,020,655$26,363,373▲ $1,342,718
Other Assets Total$473,083$1,127,498▲ $654,415
Liabilities
Other Liabilities$22,153,713$22,939,926▲ $786,213
Accounts Payable and Accrued Expenses$45,203$594,788▲ $549,585
Total Liabilities$22,198,916$23,534,714▲ $1,335,798
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,821,739$2,828,659▲ $6,920
Total Liabilities and Net Assets / Fund Balance$25,020,655$26,363,373▲ $1,342,718

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$107,614$118,395$0
Leasehold Improvements$66,745$128,019$0
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseTotal
David BuenemanPresident/CEOFT$91,040$91,040

Board Members and Trustees

NameTitle
Phillip McRathBoard Chairperson
John BozarthVice Chairperson
James AndersonBoard Member at Large
Joan LeeBoard Member at large
Joseph LaMarqueBoard Member at Large
Darold CrotzerBoard Treasurer & Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,117,902
Investment Income
$107,595
Other Revenue
$0
Change in Net Assets
$6,920
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$867,607
Salaries, Compensation, and Employee Benefits$350,970
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$264,879
All Other Expenses---$218,023
Other Salaries and Wages---$186,700
Office Expenses---$107,677
Occupancy---$95,982
Current Officers, Directors, Trustees, and Key Employees---$91,040
Information Technology---$81,932
Advertising---$48,060
Other Employee Benefits---$46,246
Payroll Taxes---$20,037
Insurance---$19,874
Fees for Services Accounting---$7,868
Pension Plan Contributions---$6,947
Fees for Services Management---$4,242
Interest---$844
Total Functional Expenses$0$0$0$1,218,577
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
Member Shares$22,939,926
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Section A, Line 3

“Day to day management delegated to the president”

Form 990, Part VI, Section A, Line 6

“To become a member, an individual must be included in the organization's field of membership (as defined within the bylaws), submit and application in writing, obtain approval of the board of director or membership officer, and maintain at least one general or membership share in the credit union”

Form 990, Part VI, Section A, Line 7A

“At the annual meeting of the members, each member has one vote to elect member to erve 3-year terms on the board of directors, consisting of 6 members”

Form 990, Part VI, Section A, Line 7B

“By majority vote at any meeting of the mebers. Each member has one vote to (a) decide any matter of intrest to the organization, (b) amend the bylaws relating to qualifications for membership or committee elections or appointments, and (c) overrule the directors on any matter concerning guidelines for future plans and objective, any director may be removed from office by vote of two-thirds of the members present at a special meeting”

Form 990, Part VI, Section B, Line 11B

“The form 990 is subject to review by the board of directors prior to filing”

Form 990, Part VI, Section B, Line 12C

“Existing buisiness relationships are reviewed whenever a new board or committee member is elected or appointed, or a new staff member is hired. New business relationships are subject to prior board approval”

Form 990, Part VI, Section B, Line 15

“The presidents compensation is annually reviewed and approved by the board of directors. The board of directors may consult with heartland credit union association for information on salary ranges for the president/ceo. Other officers' compensation is recommended by human resources and approved by the board”

Form 990, Part VI, Section C, Line 19

“Quarterly financial statements and other financial information is provided to the national credit union administration and can be accessed by the public via the ncua's website, organizations bylaws are on file with the missouri secretary of the state, and can be accessed by the public via the secretary of the state's website. The organization does not otherwise make its governing documents, conflict of intrest policy, or financial statements available to the public”

Filing and Contact Details

Filer

Filer Name
County Credit Union
EIN
23-7062193
Phone
3147251113
Address
130 SOUTH BEMISTON AVENUE STE 100, CLAYTON, MO 63105-1913

Signing Officer

Name
David Bueneman
Title
President
Phone
3147251113
Signed
2023-02-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Bueneman
Formed
1970
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
5
Volunteers
6

Preparer

Firm
Consultants Unlimted
Address
600 Plum Creek Dr, Gardner, KS 66030
Preparer
Marci Frazier
Phone
9134840381
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Other credit union expenses”

Raw XML Appendix392 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt045203
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0594788
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF FINANCIAL SERVICES
IRS990/AdvertisingGrp/TotalAmt048060
IRS990/AllOtherExpensesGrp/TotalAmt0218023
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0COUNTY CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum03147251113
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0130 SOUTH BEMISTON AVENUE STE 100
IRS990/BooksInCareOfDetail/USAddress/CityNm0CLAYTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0631051913
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0238782
IRS990/CashNonInterestBearingGrp/EOYAmt0178131
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt091040
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0107595
IRS990/CYOtherExpensesAmt0867607
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01117902
IRS990/CYRevenuesLessExpensesAmt06920
IRS990/CYSalariesCompEmpBnftPaidAmt0350970
IRS990/CYTotalExpensesAmt01218577
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01225497
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd01
IRS990/Desc0VOLUNTARY, COOPERATIVE, NON-PROFIT CREDIT UNION, INCORPORATED UNDER MISSOURI STATUTES FOR THE PURPOSES OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, PROVIDING FOR THE MUTUAL BENEFITS AND SERVICES BEING DISTRIBUTED TO ITS MEMBERS, FOR FINANCIAL AND FINANCIALLY-RELATED SERVICES, AND FOR AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt07868
IRS990/FeesForServicesManagementGrp/TotalAmt04242
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt53
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt63
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0DAVID BUENEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1Joan Lee
IRS990/Form990PartVIISectionAGrp/PersonNm2John Bozarth
IRS990/Form990PartVIISectionAGrp/PersonNm3Darold Crotzer
IRS990/Form990PartVIISectionAGrp/PersonNm4Phillip McRath
IRS990/Form990PartVIISectionAGrp/PersonNm5Joseph LaMarque
IRS990/Form990PartVIISectionAGrp/PersonNm6James Anderson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt091040
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member at large
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Treasurer & Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member at Large
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member at Large
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01970
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01225497
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt081932
IRS990/InsuranceGrp/TotalAmt019874
IRS990/InterestGrp/TotalAmt0844
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0107595
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0107595
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0133
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0246414
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0215038
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0174359
IRS990/LandBldgEquipCostOrOtherBssAmt0420773
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0COOPERATIVE PROVIDER OF FINANCIAL SERVICES
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt02821739
IRS990/NetAssetsOrFundBalancesEOYAmt02828659
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt095982
IRS990/OfficeExpensesGrp/TotalAmt0107677
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0473083
IRS990/OtherAssetsTotalGrp/EOYAmt01127498
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt046246
IRS990/OtherExpensesGrp/Desc0ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc1SHARE DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN EXPENSE
IRS990/OtherExpensesGrp/TotalAmt012859
IRS990/OtherExpensesGrp/TotalAmt15367
IRS990/OtherExpensesGrp/TotalAmt2264879
IRS990/OtherLiabilitiesGrp/BOYAmt022153713
IRS990/OtherLiabilitiesGrp/EOYAmt022939926
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0186700
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt09627419
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012802598
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt020037
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt06947
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0DAVID BUENEMAN
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0758820
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1359082
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0758820
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1359082
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0106171
IRS990/PYOtherExpensesAmt0698076
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0845523
IRS990/PYRevenuesLessExpensesAmt0-122993
IRS990/PYSalariesCompEmpBnftPaidAmt0376611
IRS990/PYTotalExpensesAmt01074687
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0951694
IRS990/ReconcilationRevenueExpnssAmt06920
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02821739
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02828659
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014466333
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012080787
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0107614
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0118395
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0226009
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt066745
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0128019
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0194764
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt022939926
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0174359
IRS990ScheduleD/TotalLiabilityAmt022939926
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DAY TO DAY MANAGEMENT DELEGATED TO THE PRESIDENT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1TO BECOME A MEMBER, AN INDIVIDUAL MUST BE INCLUDED IN THE ORGANIZATION'S FIELD OF MEMBERSHIP (AS DEFINED WITHIN THE BYLAWS), SUBMIT AND APPLICATION IN WRITING, OBTAIN APPROVAL OF THE BOARD OF DIRECTOR OR MEMBERSHIP OFFICER, AND MAINTAIN AT LEAST ONE GENERAL OR MEMBERSHIP SHARE IN THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AT THE ANNUAL MEETING OF THE MEMBERS, EACH MEMBER HAS ONE VOTE TO ELECT MEMBER TO ERVE 3-YEAR TERMS ON THE BOARD OF DIRECTORS, CONSISTING OF 6 MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BY MAJORITY VOTE AT ANY MEETING OF THE MEBERS. EACH MEMBER HAS ONE VOTE TO (A) DECIDE ANY MATTER OF INTREST TO THE ORGANIZATION, (B) AMEND THE BYLAWS RELATING TO QUALIFICATIONS FOR MEMBERSHIP OR COMMITTEE ELECTIONS OR APPOINTMENTS, AND (C) OVERRULE THE DIRECTORS ON ANY MATTER CONCERNING GUIDELINES FOR FUTURE PLANS AND OBJECTIVE, ANY DIRECTOR MAY BE REMOVED FROM OFFICE BY VOTE OF TWO-THIRDS OF THE MEMBERS PRESENT AT A SPECIAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS SUBJECT TO REVIEW BY THE BOARD OF DIRECTORS PRIOR TO FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXISTING BUISINESS RELATIONSHIPS ARE REVIEWED WHENEVER A NEW BOARD OR COMMITTEE MEMBER IS ELECTED OR APPOINTED, OR A NEW STAFF MEMBER IS HIRED. NEW BUSINESS RELATIONSHIPS ARE SUBJECT TO PRIOR BOARD APPROVAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PRESIDENTS COMPENSATION IS ANNUALLY REVIEWED AND APPROVED BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS MAY CONSULT WITH HEARTLAND CREDIT UNION ASSOCIATION FOR INFORMATION ON SALARY RANGES FOR THE PRESIDENT/CEO. OTHER OFFICERS' COMPENSATION IS RECOMMENDED BY HUMAN RESOURCES AND APPROVED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7QUARTERLY FINANCIAL STATEMENTS AND OTHER FINANCIAL INFORMATION IS PROVIDED TO THE NATIONAL CREDIT UNION ADMINISTRATION AND CAN BE ACCESSED BY THE PUBLIC VIA THE NCUA'S WEBSITE, ORGANIZATIONS BYLAWS ARE ON FILE WITH THE MISSOURI SECRETARY OF THE STATE, AND CAN BE ACCESSED BY THE PUBLIC VIA THE SECRETARY OF THE STATE'S WEBSITE. THE ORGANIZATION DOES NOT OTHERWISE MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTREST POLICY, OR FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER CREDIT UNION EXPENSES
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part IX, Line 24e
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt025020655
IRS990/TotalAssetsEOYAmt026363373
IRS990/TotalAssetsGrp/BOYAmt025020655
IRS990/TotalAssetsGrp/EOYAmt026363373
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01218577
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022198916
IRS990/TotalLiabilitiesEOYAmt023534714
IRS990/TotalLiabilitiesGrp/BOYAmt022198916
IRS990/TotalLiabilitiesGrp/EOYAmt023534714
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02821739
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02828659
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01117902
IRS990/TotalReportableCompFromOrgAmt091040
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01225497
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01225497
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025020655
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026363373
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0130 SOUTH BEMISTON
IRS990/USAddress/CityNm0CLAYTON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0651051913
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.COUNTYCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID BUENEMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03147251113
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-02-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COUNTY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COUN
ReturnHeader/Filer/EIN0237062193
ReturnHeader/Filer/PhoneNum03147251113
ReturnHeader/Filer/USAddress/AddressLine1Txt0130 SOUTH BEMISTON AVENUE STE 100
ReturnHeader/Filer/USAddress/CityNm0CLAYTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631051913
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0822178374
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Consultants Unlimted
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0600 Plum Creek Dr
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Gardner
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066030
ReturnHeader/PreparerPersonGrp/PhoneNum09134840381
ReturnHeader/PreparerPersonGrp/PreparationDt02023-02-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Marci Frazier
ReturnHeader/ReturnTs02023-02-26T10:45:05-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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