Civic Intelligence

United Credit Union

EIN 43-0300770 • 501(c)14 • Mexico, MO

View Organization Page

Profile

Building financial success one member at a time.

PO Box 858Mexico, MO 65265-0858

www.unitedcu.org

Siviq Scores

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

Liabilities / Assets

18th percentile

0.87x

Higher debt load relative to assets than 18% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

9th percentile

11.13x

Higher debt load relative to revenue than 9% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

83rd percentile

19%

Higher net margin than 83% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

25th percentile

-0.5%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

33rd percentile

11%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$277,469,041

Up $4,436,014 (+1.6%) from 2023

Liabilities

Up

$240,807,158

Up $619,553 (+0.3%) from 2023

Net Assets

Up

$36,661,883

Up $3,816,461 (+12%) from 2023

Operations
Liabilities / Revenue9th percentileNet Margin83rd percentile

Revenue

Up

$21,639,053

Up $816,972 (+3.9%) from 2023

Expenses

Up

$17,483,795

Up $1,959,296 (+13%) from 2023

Net Income

Down

$4,155,258

Down $1,142,324 (-22%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$300M$200M$100M$0Assets 2010: $112,730,672Liabilities 2010: $102,445,345Net Assets 2010: $10,285,3272010Assets 2011: $116,738,192Liabilities 2011: $105,299,210Net Assets 2011: $11,438,9822011Assets 2012: $125,955,100Liabilities 2012: $113,697,947Net Assets 2012: $12,257,1532012Assets 2013: $133,898,862Liabilities 2013: $120,432,082Net Assets 2013: $13,466,7802013Assets 2014: $143,109,726Liabilities 2014: $128,893,010Net Assets 2014: $14,216,7162014Assets 2015: $157,591,141Liabilities 2015: $142,431,552Net Assets 2015: $15,159,5892015Assets 2016: $163,459,554Liabilities 2016: $147,951,082Net Assets 2016: $15,508,4722016Assets 2017: $170,651,103Liabilities 2017: $152,672,596Net Assets 2017: $17,978,5072017Assets 2018: $170,405,925Liabilities 2018: $149,923,892Net Assets 2018: $20,482,0332018Assets 2019: $182,226,108Liabilities 2019: $159,454,929Net Assets 2019: $22,771,1792019Assets 2020: $223,503,665Liabilities 2020: $199,343,895Net Assets 2020: $24,159,7702020Assets 2021: $263,887,236Liabilities 2021: $237,055,311Net Assets 2021: $26,831,9252021Assets 2022: $280,163,882Liabilities 2022: $252,155,729Net Assets 2022: $28,008,1532022Assets 2023: $273,033,027Liabilities 2023: $240,187,605Net Assets 2023: $32,845,4222023Assets 2024: $277,469,041Liabilities 2024: $240,807,158Net Assets 2024: $36,661,8832024

Highlighted filing

2024

Assets$277,469,041
Liabilities$240,807,158
Net Assets$36,661,883
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

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

$30M$20M$10M$0Expenses 2010: $6,245,4972010Expenses 2011: $5,760,0592011Expenses 2012: $6,048,4162012Revenue 2013: $7,510,671Expenses 2013: $6,298,813Net Income 2013: $1,211,8582013Revenue 2014: $8,188,688Expenses 2014: $7,408,537Net Income 2014: $780,1512014Revenue 2015: $9,058,932Expenses 2015: $7,830,708Net Income 2015: $1,228,2242015Revenue 2016: $9,734,780Expenses 2016: $8,497,658Net Income 2016: $1,237,1222016Revenue 2017: $10,547,559Expenses 2017: $8,387,835Net Income 2017: $2,159,7242017Revenue 2018: $12,549,316Expenses 2018: $9,842,632Net Income 2018: $2,706,6842018Revenue 2019: $13,244,855Expenses 2019: $10,460,645Net Income 2019: $2,784,2102019Revenue 2020: $13,451,320Expenses 2020: $11,235,479Net Income 2020: $2,215,8412020Revenue 2021: $14,999,613Expenses 2021: $12,056,345Net Income 2021: $2,943,2682021Revenue 2022: $17,693,653Expenses 2022: $14,095,054Net Income 2022: $3,598,5992022Revenue 2023: $20,822,081Expenses 2023: $15,524,499Net Income 2023: $5,297,5822023Revenue 2024: $21,639,053Expenses 2024: $17,483,795Net Income 2024: $4,155,2582024

Highlighted filing

2024

Revenue$21,639,053
Expenses$17,483,795
Net Income$4,155,258
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$277,469,041
Liabilities
$240,807,158
Net assets
$36,661,883
Revenue
$21,639,053
Expenses
$17,483,795
Net income
$4,155,258
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$277$241$36.7$21.6$17.5$4.16
2023Detailed filing. Detailed filing data is available for this year.$273$240$32.8$20.8$15.5$5.30
2022Detailed filing. Detailed filing data is available for this year.$280$252$28.0$17.7$14.1$3.60
2021Detailed filing. Detailed filing data is available for this year.$264$237$26.8$15.0$12.1$2.94
2020Detailed filing. Detailed filing data is available for this year.$224$199$24.2$13.5$11.2$2.22
2019Detailed filing. Detailed filing data is available for this year.$182$159$22.8$13.2$10.5$2.78
2018Detailed filing. Detailed filing data is available for this year.$170$150$20.5$12.5$9.84$2.71
2017Detailed filing. Detailed filing data is available for this year.$171$153$18.0$10.5$8.39$2.16
2016Detailed filing. Detailed filing data is available for this year.$163$148$15.5$9.73$8.50$1.24
2015Detailed filing. Detailed filing data is available for this year.$158$142$15.2$9.06$7.83$1.23
2014Detailed filing. Detailed filing data is available for this year.$143$129$14.2$8.19$7.41$0.78
2013Detailed filing. Detailed filing data is available for this year.$134$120$13.5$7.51$6.30$1.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$126$114$12.3$6.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$105$11.4$5.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$102$10.3$6.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$21,648,920
Mission and Program Overview

Mission

Building financial success one member at a time.

Building financial success one member at a time

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$212,227,720$187,906,940▼ $24,320,780
Savings and Temporary Cash Investments$8,522,414$40,538,990▲ $32,016,576
Rtn Earn Endowment Incm Other Fnds$32,845,422$36,661,883▲ $3,816,461
Investments Other Securities$22,395,214$18,937,219▼ $3,457,995
Land, Buildings, and Equipment, Net$7,247,753$8,706,605▲ $1,458,852
Cash and Non-Interest-Bearing Accounts$5,085,313$5,555,503▲ $470,190
Receivables From Officers Etc$2,900,252$2,924,703▲ $24,451
Prepaid Expenses and Deferred Charges$2,082,080$1,559,843▼ $522,237
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$273,033,027$277,469,041▲ $4,436,014
Other Assets Total$12,572,281$11,339,238▼ $1,233,043
Liabilities
Other Liabilities$228,385,770$236,669,780▲ $8,284,010
Accounts Payable and Accrued Expenses$7,740,557$4,073,346▼ $3,667,211
Mortgage Notes Payable Secured by Investment Property$4,000,000--
Escrow Account Liability$61,278$64,032▲ $2,754
Total Liabilities$240,187,605$240,807,158▲ $619,553
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,845,422$36,661,883▲ $3,816,461
Total Liabilities and Net Assets / Fund Balance$273,033,027$277,469,041▲ $4,436,014

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,814,424$2,108,011$6,922,435
Equipment$828,302$3,233,906$4,062,208
Other Land Buildings$1,762,294$254,600$2,016,894
Land$1,301,585-$1,301,585
Other Securities$2,285--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brent SadlerCEOFT$284,538$57,063$341,601
Donna EvansEvpFT$197,500$51,786$249,286
Kimberley RiffeCFOFT$133,413$32,376$165,789
Kristen KrietemeyerVP-complianceFT$109,104$15,507$124,611
Angel JacobiAvp-member ExperienceFT$109,892$11,975$121,867
Kelly AncellVP-human ResourcesFT$109,430$11,241$120,671
Heather DemintVP-operationsFT$114,974$4,878$119,852
Tory SilverVP-lendingFT$98,376$10,463$108,839

Board Members and Trustees

NameTitle
Patrick DonovanChairperson
Martha HaganVice Chairperson
Christopher DenhamDirector
Jeffrey TayonDirector
Jo Ellen CragheadDirector
Scott LoweDirector
Cheryl LybergerSecretary
Charles RoachTreasurer
Melisa Ahrensretired 9623VP-administrative Support
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,271,056
Investment Income
$1,341,355
Other Revenue
$26,642
Change in Net Assets
$4,155,258
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$10,346,553
Salaries, Compensation, and Employee Benefits$7,129,242
Grants and Similar Amounts Paid$8,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,546,778
Fees for Services Other---$3,165,969
Current Officers, Directors, Trustees, and Key Employees---$1,230,650
Information Technology---$1,017,443
Office Expenses---$870,336
Other Employee Benefits---$577,615
Depreciation Depletion---$560,091
Payroll Taxes---$421,391
Occupancy---$365,892
All Other Expenses---$353,254
Pension Plan Contributions---$352,808
Advertising---$145,481
Insurance---$101,212
Conferences and Meetings---$87,321
Fees for Services Accounting---$61,843
Other Expenses---$52,211
Travel---$37,819
Interest---$37,755
Fees for Services Legal---$20,987
Grants to Domestic Individuals---$8,000
Fees for Service Investment Mgmnt Fees---$6,000
Total Functional Expenses$0$0$0$17,483,795
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 Officers, Directors, Trustees, and Key Employees$2,900,252$2,924,703▲ $24,451
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$236,669,780
Governance and Compliance

Governance Checklist

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

“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

“Senior management is responsible for working together to gather data and provide information to the accounting firm preparing the annual form 990. The ceo and cfo review and approve the form 990 before filing.”

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

“Annually, all elected officials are required to review the code of ethics 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

“The board of directors reviews the ceo's performance and determines compensation using various information, including salary surveys. All other management compensation is also determined using salary surveys and is presented as part of the budget package to the board of directors for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly in the 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.”

Filing and Contact Details

Filer

Filer Name
United Credit Union
EIN
43-0300770
Phone
5735818651
Address
PO BOX 858, MEXICO, MO 65265-0858

Signing Officer

Name
Brent Sadler
Title
CEO
Phone
5735818651
Signed
2025-11-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brent Sadler
Formed
1935
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
129
Volunteers
12

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Debit card processing & reward program 2,005,997. Atm support & processing 404,309. Credit card expense 130,873. Mobile banking 89,154. Other professional & outside services 535,636.”

FORM 990, PART XI, LINE 9:

“Fas 158 pension liability adjustment -501,900. Cecl transition adjustment”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans. In addition, the credit union works with members to repair or improve their credit history/score.”

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

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP-HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP-OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP-ADMINISTRATIVE SUPPORT
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP-COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt16AVP-MEMBER EXPERIENCE
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt011229
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt08000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt021096
IRS990/GrossReceiptsAmt021648920
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01017443
IRS990/InsuranceGrp/TotalAmt0101212
IRS990/InterestGrp/TotalAmt037755
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01330126
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01330126
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt022395214
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt018937219
IRS990/IRPDocumentCnt07417
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05596517
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07247753
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08706605
IRS990/LandBldgEquipCostOrOtherBssAmt014303122
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt09867
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0BUILDING FINANCIAL SUCCESS ONE MEMBER AT A TIME.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt04000000
IRS990/NetAssetsOrFundBalancesBOYAmt032845422
IRS990/NetAssetsOrFundBalancesEOYAmt036661883
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt011229
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt011229
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0163103
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0365892
IRS990/OfficeExpensesGrp/TotalAmt0870336
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt012572281
IRS990/OtherAssetsTotalGrp/EOYAmt011339238
IRS990/OtherChangesInNetAssetsAmt0-501900
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0577615
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt01884159
IRS990/OtherExpensesGrp/TotalAmt11193721
IRS990/OtherExpensesGrp/TotalAmt2385059
IRS990/OtherExpensesGrp/TotalAmt352211
IRS990/OtherLiabilitiesGrp/BOYAmt0228385770
IRS990/OtherLiabilitiesGrp/EOYAmt0236669780
IRS990/OtherSalariesAndWagesGrp/TotalAmt04546778
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0212227720
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0187906940
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0421391
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0352808
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02082080
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01559843
IRS990/PrincipalOfficerNm0BRENT SADLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012573639
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt17448025
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012573639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt17532225
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2165192
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt084200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1165192
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 112,421 LOANS OUTSTANDING TOTALING $190,968,744, INCLUDING LOAN PARTICIPATIONS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $1,193,721 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt09000
IRS990/PYInvestmentIncomeAmt0528011
IRS990/PYOtherExpensesAmt08911677
IRS990/PYOtherRevenueAmt026888
IRS990/PYProgramServiceRevenueAmt020267182
IRS990/PYRevenuesLessExpensesAmt05297582
IRS990/PYSalariesCompEmpBnftPaidAmt06603822
IRS990/PYTotalExpensesAmt015524499
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt020822081
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02900252
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02924703
IRS990/ReconcilationRevenueExpnssAmt04155258
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt026642
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt026642
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032845422
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt036661883
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08522414
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040538990
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04814424
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02108011
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06922435
IRS990ScheduleD/EquipmentGrp/BookValueAmt0828302
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03233906
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04062208
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01301585
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01301585
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01762294
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0254600
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02016894
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0236669780
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt018609941
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1163900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt275000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt344824
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt441269
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt52285
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS-FEDERAL AGENCY SEC
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2HEARTLAND BUS SVCS, LLC
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CU COOPERATIVE SYS, INC
IRS990ScheduleD/OtherSecuritiesGrp/Desc4MEMBERS MORT SVCS, LLC
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CARD SVCS FOR CUS, INC
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. IN ADDITION, THE CREDIT UNION WORKS WITH MEMBERS TO REPAIR OR IMPROVE THEIR CREDIT HISTORY/SCORE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08706605
IRS990ScheduleD/TotalBookValueSecuritiesAmt018937219
IRS990ScheduleD/TotalLiabilityAmt0236669780
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt08000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0$1,000 SCHOLARSHIPS WERE AWARDED
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt08
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE SCHOLARSHIP COMMITTEE REVIEWS CANDIDATE APPLICATIONS AND AWARDS NON-RENEWABLE $1,000 SCHOLARSHIPS TO ASSIST WITH COLLEGE EXPENSES. CANDIDATES MUST BE A MEMBER OF UNITED CREDIT UNION AND A GRADUATING HIGH SCHOOL SENIOR PLANNING TO ATTEND A SCHOOL OF ADVANCED EDUCATION. FUNDS ARE DISTRIBUTED DIRECTLY TO THE SCHOOL IN THE STUDENT'S NAME UPON CONFIRMATION OF ENROLLMENT.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0284538
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1197500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2133413
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount038463
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount123346
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount214712
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09586
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt16559
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt24369
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00

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