Civic Intelligence

Cape Regional Credit Union

EIN 23-7099978 • 501(c)14 • Cape Girardeau, MO

Profile

Our mission is to serve the members (owners) by providing a variety of financial services at competitive rates, while assuring the financial stability and future growth of the Credit Union.

2427 Centre DriveCape Girardeau, MO 63703

www.caperegionalcu.com

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

62nd percentile

20.13x

Higher debt load relative to revenue than 62% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

53rd percentile

8.2%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

-2.6%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2022

Revenue Growth

54th percentile

8.7%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2022

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$17,954,649

Up $712,266 (+4.1%) from 2023

Liabilities

Up

$16,529,341

Up $596,970 (+3.7%) from 2023

Net Assets

Up

$1,425,308

Up $115,296 (+8.8%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin53rd percentile

Revenue

Up

$1,036,739

Up $84,321 (+8.9%) from 2023

Expenses

Up

$921,443

Up $49,639 (+5.7%) from 2023

Net Income

Up

$115,296

Up $34,682 (+43%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $11,199,466Liabilities 2010: $10,163,252Net Assets 2010: $1,036,2142010Assets 2011: $11,544,746Liabilities 2011: $10,545,580Net Assets 2011: $999,1662011Assets 2012: $12,983,276Liabilities 2012: $12,004,193Net Assets 2012: $979,0832012Assets 2013: $12,839,546Liabilities 2013: $11,867,203Net Assets 2013: $972,3432013Assets 2014: $13,458,109Liabilities 2014: $12,453,569Net Assets 2014: $1,004,5402014Assets 2015: $14,541,477Liabilities 2015: $13,511,191Net Assets 2015: $1,030,2862015Assets 2016: $14,540,147Liabilities 2016: $13,468,546Net Assets 2016: $1,071,6012016Assets 2020: $18,038,381Liabilities 2020: $16,873,455Net Assets 2020: $1,164,9262020Assets 2021: $17,031,004Liabilities 2021: $15,865,967Net Assets 2021: $1,165,0372021Assets 2022: $17,118,597Liabilities 2022: $15,889,199Net Assets 2022: $1,229,3982022Assets 2023: $17,242,383Liabilities 2023: $15,932,371Net Assets 2023: $1,310,0122023Assets 2024: $17,954,649Liabilities 2024: $16,529,341Net Assets 2024: $1,425,3082024

Highlighted filing

2024

Assets$17,954,649
Liabilities$16,529,341
Net Assets$1,425,308
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $726,0072010Expenses 2011: $699,7882011Expenses 2012: $720,5332012Revenue 2013: $711,405Expenses 2013: $717,562Net Income 2013: -$6,1572013Revenue 2014: $700,352Expenses 2014: $668,155Net Income 2014: $32,1972014Revenue 2015: $682,324Expenses 2015: $656,578Net Income 2015: $25,7462015Revenue 2016: $668,261Expenses 2016: $626,946Net Income 2016: $41,3152016Revenue 2020: $667,652Expenses 2020: $709,436Net Income 2020: -$41,7842020Revenue 2021: $688,064Expenses 2021: $687,953Net Income 2021: $1112021Revenue 2022: $789,220Expenses 2022: $724,859Net Income 2022: $64,3612022Revenue 2023: $952,418Expenses 2023: $871,804Net Income 2023: $80,6142023Revenue 2024: $1,036,739Expenses 2024: $921,443Net Income 2024: $115,2962024

Highlighted filing

2024

Revenue$1,036,739
Expenses$921,443
Net Income$115,296
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,954,649
Liabilities
$16,529,341
Net assets
$1,425,308
Revenue
$1,036,739
Expenses
$921,443
Net income
$115,296
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$18.0$16.5$1.43$1.04$0.92$0.12
2023Detailed filing. Detailed filing data is available for this year.$17.2$15.9$1.31$0.95$0.87$0.08
2022Detailed filing. Detailed filing data is available for this year.$17.1$15.9$1.23$0.79$0.72$0.06
2021Detailed filing. Detailed filing data is available for this year.$17.0$15.9$1.17$0.69$0.69$0.00
2020Detailed filing. Detailed filing data is available for this year.$18.0$16.9$1.16$0.67$0.71$0.04
2016Detailed filing. Detailed filing data is available for this year.$14.5$13.5$1.07$0.67$0.63$0.04
2015Detailed filing. Detailed filing data is available for this year.$14.5$13.5$1.03$0.68$0.66$0.03
2014Detailed filing. Detailed filing data is available for this year.$13.5$12.5$1.00$0.70$0.67$0.03
2013Detailed filing. Detailed filing data is available for this year.$12.8$11.9$0.97$0.71$0.72$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.0$12.0$0.98$0.72
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$10.5$1.00$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$10.2$1.04$0.73
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 18, 2025
Return Version
2024v5.0
Gross Receipts
$1,036,739
Mission and Program Overview

Mission

Our mission is to serve the member-owners by providing a variety of financial services at competitive rates, while assuring the financial stability and future growth of the credit union.

Our mission is to serve the members (owners) by providing a variety of financial services at competitive rates, while assuring the financial stability and future growth of the Credit Union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,497,731$13,764,832▲ $2,267,101
Investments Other Securities$4,165,000$2,940,000▼ $1,225,000
Rtn Earn Endowment Incm Other Fnds$1,310,012$1,425,308▲ $115,296
Cash and Non-Interest-Bearing Accounts$636,009$524,892▼ $111,117
Land, Buildings, and Equipment, Net$343,669$310,791▼ $32,878
Investments Program Related$336,286$143,304▼ $192,982
Prepaid Expenses and Deferred Charges$45,989--
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Total Assets$17,242,383$17,954,649▲ $712,266
Other Assets Total$217,699$270,830▲ $53,131
Liabilities
Grants Payable$15,849,461$16,498,724▲ $649,263
Accounts Payable and Accrued Expenses$82,910$30,617▼ $52,293
Total Liabilities$15,932,371$16,529,341▲ $596,970
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,310,012$1,425,308▲ $115,296
Total Liabilities and Net Assets / Fund Balance$17,242,383$17,954,649▲ $712,266

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$128,683$244,408$373,091
Equipment$37,108$278,237$315,345
Land$145,000-$145,000
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Other Securities$2,940,000--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
James CaublePresidentFT$84,661$84,661

Board Members and Trustees

NameTitle
John CreutzChairman
Ken CookDirector
Steve SlatenDirector
Melissa SpencerSecretary
Ken RuthTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,036,739
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$115,296
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$491,295
Salaries, Compensation, and Employee Benefits$430,148
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$398,072$0$0$398,072
Information Technology$59,468$0$0$59,468
Office Expenses$50,346$0$0$50,346
Other Expenses$49,642$0$0$49,642
Occupancy$34,196$0$0$34,196
Depreciation Depletion$33,376$0$0$33,376
Payroll Taxes$32,054$0$0$32,054
Insurance$23,024$0$0$23,024
Interest$21,639$0$0$21,639
Fees for Services Accounting$10,973$0$0$10,973
Payments to Affiliates$7,319$0$0$7,319
Advertising$3,797$0$0$3,797
Conferences and Meetings$632$0$0$632
Travel$94$0$0$94
Pension Plan Contributions$22$0$0$22
Total Functional Expenses$921,443$0$0$921,443
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
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
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit Unions, by design, are owned totally by their members.”

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

“The 5 Board members are elected to 3 year terms with 1 or more being elected each year.”

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

“The Board meets each month to deal with financial matters, direction setting, and policy making. The Credit Union has an annual meeting to elect board members, get input for the Board's direction and review the financial status and audit results.”

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

“The Credit Union has an annual meeting for its members to review audits, financial statements, and elect Board members.”

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

“The Credit Union has a conflict of interest policy. For example, - all loans for Board members and employees must be acknowledged by the Board and included in the monthly minutes.”

Form 990, Part VI, Section B, Line 15

“The compensation of the only paid officer (President) is reviewed by the Board and approved each December.”

Form 990, Part VI, Section C, Line 19

“All Credit Union policies and financial statements are available upon request and the audits and financial statements are reviewed at the annual meeting.”

Filing and Contact Details

Filer

Filer Name
Cape Regional Credit Union
EIN
23-7099978
Phone
5733347686
Address
2427 Centre Drive, Cape Girardeau, MO 63703

Signing Officer

Name
ken ruth
Title
treasurer
Phone
5732703821
Signed
2025-04-18

Organization Details

Principal Officer
Kenneth Ruth
Formed
1970
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
10
Volunteers
5
Raw XML AppendixShowing 400 of 476 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
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IRS990/DepreciationDepletionGrp/TotalAmt033376
IRS990/Desc0Provided financial and financially related services to 2456 members, ATM availability to our 2456 members, dividends (interest) paid to our 2456 members, and all other program services as described in Schedule O.
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IRS990/NetAssetsOrFundBalancesEOYAmt01425308
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0900
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd01
IRS990/NondeductibleContriDisclInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt034196
IRS990/OccupancyGrp/TotalAmt034196
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt050346
IRS990/OfficeExpensesGrp/TotalAmt050346
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0217699
IRS990/OtherAssetsTotalGrp/EOYAmt0270830
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0Misc.
IRS990/OtherExpensesGrp/Desc1ATM Expense
IRS990/OtherExpensesGrp/Desc2Loan Expenses
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt057843
IRS990/OtherExpensesGrp/ProgramServicesAmt1138946
IRS990/OtherExpensesGrp/ProgramServicesAmt249642
IRS990/OtherExpensesGrp/TotalAmt057843
IRS990/OtherExpensesGrp/TotalAmt1138946
IRS990/OtherExpensesGrp/TotalAmt249642
IRS990/OtherRevenueTotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011497731
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013764832
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt07319
IRS990/PaymentsToAffiliatesGrp/TotalAmt07319
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt032054
IRS990/PayrollTaxesGrp/TotalAmt032054
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt022
IRS990/PensionPlanContributionsGrp/TotalAmt022
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt045989
IRS990/PrincipalOfficerNm0Kenneth Ruth
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees and Services
IRS990/ProgramServiceRevenueGrp/Desc2Misc. Income
IRS990/ProgramServiceRevenueGrp/Desc3Investment Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0662114
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt182697
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2116524
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3175404
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0662114
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt182697
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2116524
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3175404
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Included in Program Service Accomplishment One.
IRS990/ProgSrvcAccomActy3Grp/Desc0Included in Program Service Accomplishment One.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt0493524
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0952418
IRS990/PYRevenuesLessExpensesAmt080614
IRS990/PYSalariesCompEmpBnftPaidAmt0378280
IRS990/PYTotalExpensesAmt0871804
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0952418
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0115296
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01036739
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01310012
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01425308
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0128683
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0244408
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0373091
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt037108
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0278237
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0315345
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0145000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0145000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02940000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Bank and Credit Union CD's.
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0310791
IRS990ScheduleD/TotalBookValueSecuritiesAmt02940000
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit Unions, by design, are owned totally by their members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The 5 Board members are elected to 3 year terms with 1 or more being elected each year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board meets each month to deal with financial matters, direction setting, and policy making. The Credit Union has an annual meeting to elect board members, get input for the Board's direction and review the financial status and audit results.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Credit Union has an annual meeting for its members to review audits, financial statements, and elect Board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Credit Union has a conflict of interest policy. For example, - all loans for Board members and employees must be acknowledged by the Board and included in the monthly minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The compensation of the only paid officer (President) is reviewed by the Board and approved each December.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6All Credit Union policies and financial statements are available upon request and the audits and financial statements are reviewed at the annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MO

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