Civic Intelligence

West Community Credit Union

EIN 43-0603999 • 501(c)14 • Ofallon, MO

View Organization Page

Profile

To provide credit union services to our members by accepting deposits, granting loans and investing excess funds in a responsible manner.

4161 Highway KOfallon, MO 63368-8294

www.westcommunitycu.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.92x

Higher debt load relative to assets than 79% of similar nonprofits.

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

Liabilities / Revenue

22nd percentile

12.88x

Higher debt load relative to revenue than 22% of similar nonprofits.

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

Net Margin

25th percentile

4.5%

Higher net margin than 25% of similar nonprofits.

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

Top Officer Pay

54th percentile

$485,698

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

$250M-$1B nonprofits • Source year 2024

Asset Growth

71st percentile

5.6%

Faster asset growth than 71% of similar nonprofits.

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

Revenue Growth

80th percentile

23%

Faster revenue growth than 80% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$483,216,672

Up $13,856,776 (+3.0%) from 2023

Liabilities

Up

$445,655,045

Up $12,011,385 (+2.8%) from 2023

Net Assets

Up

$37,561,627

Up $1,845,391 (+5.2%) from 2023

Operations
Liabilities / Revenue22nd percentileNet Margin25th percentile

Revenue

Up

$34,602,762

Up $2,707,234 (+8.5%) from 2023

Expenses

Up

$33,031,758

Up $4,281,489 (+15%) from 2023

Net Income

Down

$1,571,004

Down $1,574,255 (-50%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

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

$600M$400M$200M$0Assets 2010: $125,491,827Liabilities 2010: $115,776,206Net Assets 2010: $9,715,6212010Assets 2011: $137,042,063Liabilities 2011: $127,099,818Net Assets 2011: $9,942,2452011Assets 2012: $150,440,799Liabilities 2012: $139,876,911Net Assets 2012: $10,563,8882012Assets 2013: $153,710,920Liabilities 2013: $141,564,726Net Assets 2013: $12,146,1942013Assets 2014: $160,873,804Liabilities 2014: $147,919,787Net Assets 2014: $12,954,0172014Assets 2015: $169,141,766Liabilities 2015: $155,773,141Net Assets 2015: $13,368,6252015Assets 2016: $186,555,067Liabilities 2016: $172,063,208Net Assets 2016: $14,491,8592016Assets 2017: $224,735,948Liabilities 2017: $206,276,587Net Assets 2017: $18,459,3612017Assets 2018: $262,200,769Liabilities 2018: $242,302,717Net Assets 2018: $19,898,0522018Assets 2019: $289,271,285Liabilities 2019: $266,743,621Net Assets 2019: $22,527,6642019Assets 2020: $333,304,756Liabilities 2020: $309,080,055Net Assets 2020: $24,224,7012020Assets 2021: $364,558,129Liabilities 2021: $337,205,690Net Assets 2021: $27,352,4392021Assets 2022: $433,121,136Liabilities 2022: $403,982,083Net Assets 2022: $29,139,0532022Assets 2023: $469,359,896Liabilities 2023: $433,643,660Net Assets 2023: $35,716,2362023Assets 2024: $483,216,672Liabilities 2024: $445,655,045Net Assets 2024: $37,561,6272024

Highlighted filing

2024

Assets$483,216,672
Liabilities$445,655,045
Net Assets$37,561,627
Open 2024 Filing

Operations Trend

Revenue Growth80th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $8,856,7012010Expenses 2011: $9,295,1732011Expenses 2012: $10,006,7232012Revenue 2013: $10,889,608Expenses 2013: $9,830,524Net Income 2013: $1,059,0842013Revenue 2014: $11,051,100Expenses 2014: $10,224,616Net Income 2014: $826,4842014Revenue 2015: $11,727,696Expenses 2015: $10,671,474Net Income 2015: $1,056,2222015Revenue 2016: $12,491,279Expenses 2016: $11,198,724Net Income 2016: $1,292,5552016Revenue 2017: $13,952,126Expenses 2017: $12,394,149Net Income 2017: $1,557,9772017Revenue 2018: $17,302,648Expenses 2018: $15,804,591Net Income 2018: $1,498,0572018Revenue 2019: $21,685,307Expenses 2019: $18,103,684Net Income 2019: $3,581,6232019Revenue 2020: $21,556,691Expenses 2020: $19,205,496Net Income 2020: $2,351,1952020Revenue 2021: $21,820,827Expenses 2021: $19,285,868Net Income 2021: $2,534,9592021Revenue 2022: $22,899,245Expenses 2022: $21,025,177Net Income 2022: $1,874,0682022Revenue 2023: $31,895,528Expenses 2023: $28,750,269Net Income 2023: $3,145,2592023Revenue 2024: $34,602,762Expenses 2024: $33,031,758Net Income 2024: $1,571,0042024

Highlighted filing

2024

Revenue$34,602,762
Expenses$33,031,758
Net Income$1,571,004
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
$483,216,672
Liabilities
$445,655,045
Net assets
$37,561,627
Revenue
$34,602,762
Expenses
$33,031,758
Net income
$1,571,004
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$483$446$37.6$34.6$33.0$1.57
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$469$434$35.7$31.9$28.8$3.15
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$433$404$29.1$22.9$21.0$1.87
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$365$337$27.4$21.8$19.3$2.53
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$333$309$24.2$21.6$19.2$2.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$289$267$22.5$21.7$18.1$3.58
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$262$242$19.9$17.3$15.8$1.50
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$225$206$18.5$14.0$12.4$1.56
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$187$172$14.5$12.5$11.2$1.29
2015Detailed filing. Detailed filing data is available for this year.$169$156$13.4$11.7$10.7$1.06
2014Detailed filing. Detailed filing data is available for this year.$161$148$13.0$11.1$10.2$0.83
2013Detailed filing. Detailed filing data is available for this year.$154$142$12.1$10.9$9.83$1.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$150$140$10.6$10.0
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$137$127$9.94$9.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$125$116$9.72$8.86
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$34,602,762
Mission and Program Overview

Mission

To provide credit union services to our members by accepting deposits, granting loans and investing excess funds in a responsible manner.

To be our members' lifelong financial partner by truly understanding their stories and delivering smart solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$401,251,917$404,478,892▲ $3,226,975
Rtn Earn Endowment Incm Other Fnds$35,716,236$37,561,627▲ $1,845,391
Land, Buildings, and Equipment, Net$20,524,061$19,680,559▼ $843,502
Savings and Temporary Cash Investments$6,216,222$18,694,775▲ $12,478,553
Investments Other Securities$14,281,094$14,965,638▲ $684,544
Prepaid Expenses and Deferred Charges$6,471,843$6,175,617▼ $296,226
Cash and Non-Interest-Bearing Accounts$4,578,106$4,542,460▼ $35,646
Receivables From Officers Etc$1,755,415$1,804,186▲ $48,771
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$469,359,896$483,216,672▲ $13,856,776
Other Assets Total$14,281,238$12,874,545▼ $1,406,693
Liabilities
Other Liabilities$382,105,307$397,402,204▲ $15,296,897
Mortgage Notes Payable Secured by Investment Property$42,500,000$40,000,000▼ $2,500,000
Accounts Payable and Accrued Expenses$8,938,092$8,034,054▼ $904,038
Escrow Account Liability$100,261$218,787▲ $118,526
Total Liabilities$433,643,660$445,655,045▲ $12,011,385
Net Assets / Fund Balance
Total Net Assets Fund Balance$35,716,236$37,561,627▲ $1,845,391
Total Liabilities and Net Assets / Fund Balance$469,359,896$483,216,672▲ $13,856,776

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,282,771$4,023,656$17,306,427
Equipment$1,954,345$4,573,711$6,528,056
Land$4,443,443-$4,443,443
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jason PeachPresident/CEOFT$363,924$121,774$485,698
Lorene MeyerVP - Organizational StrateFT$178,421$51,939$230,360
William McfarlandVP - Information TechnologFT$167,169$59,834$227,003
Melissa GreenCFOFT$167,720$58,763$226,483
Dennis McgraneVP - LendingFT$166,554$55,852$222,406
Koren GreubelVP - Marketing & Digital EFT$188,072$28,551$216,623
Kathy GahrVP - Branch ManagementFT$163,285$42,730$206,015
Richard DillardAvp - Commercial LendingFT$95,822$92,490$188,312
Shannon JohnsonAvp - Digital EngagementFT$139,269$35,798$175,067
Austin FlynnAvp - Core SystemsFT$142,445$31,366$173,811
Josh RodriguezAvp - Fintech & Mission inFT$138,533$32,905$171,438
Marissa McgheeAvp - AccountingFT$131,294$11,667$142,961

Board Members and Trustees

NameTitle
Michael MurphyChairman
Tom KrapuVice Chairman
Debbie GeringerBoard Member
Leah PetrasBoard Member
Ryan DunneganBoard Member
Sean LongBoard Member
Trinetta TaylorBoard Member
Eric VanderhoefSecretary
Chris AbbottTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$32,548,044
Investment Income
$2,054,718
Other Revenue
$0
Change in Net Assets
$1,571,004
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,189,120
Salaries, Compensation, and Employee Benefits$10,808,391
Grants and Similar Amounts Paid$11,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,107,258
Fees for Services Other---$3,159,654
Current Officers, Directors, Trustees, and Key Employees---$1,814,590
Interest---$1,581,896
Occupancy---$1,289,580
Information Technology---$1,064,788
Depreciation Depletion---$983,021
Office Expenses---$929,755
Other Employee Benefits---$739,363
Advertising---$681,328
Payroll Taxes---$626,800
Pension Plan Contributions---$520,380
Insurance---$169,633
Conferences and Meetings---$147,788
Fees for Services Accounting---$139,428
Other Expenses---$119,767
Fees for Services Legal---$93,362
Benefits to Members---$23,247
Grants to Domestic Individuals---$9,000
Grants to Domestic Orgs---$2,000
All Other Expenses---$-63,944
Total Functional Expenses$0$0$0$33,031,758
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,000

Section 527 Organizations

OrganizationLocationAmount
43-1310069Jefferson City, MO$1,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,755,415$1,804,186▲ $48,771
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$397,402,204
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
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

“The credit union is mutually owned by its 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

“The ceo and cfo review the form 990 before filing.”

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

“On an annual basis, 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 15A

“The board of directors reviews the ceo's performance and determines compensation with the assistance of an independent salary consultant. All other management compensation is determined by the ceo and vice president of organizational strategy & performance and is presented to the board as part of the budget process. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are 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
West Community Credit Union
EIN
43-0603999
Phone
6367202400
Address
4161 HIGHWAY K, OFALLON, MO 63368-8294

Signing Officer

Name
Melissa Green
Title
CFO
Phone
6367202400
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jason Peach
Formed
1936
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
153
Volunteers
9

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 XI, LINE 9:

“Net assets acquired from merger with missouri valley federal credit union asc 715 pension adjustment 456,553. Cecl transition adjustment”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to some member real estate loans.”

Raw XML AppendixShowing 400 of 689 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/BOYAmt08938092
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt08034054
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS.
IRS990/AdvertisingGrp/TotalAmt0681328
IRS990/AllOtherExpensesGrp/TotalAmt0-63944
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt023247
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JASON PEACH
IRS990/BooksInCareOfDetail/PhoneNum06367202400
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04161 HIGHWAY K
IRS990/BooksInCareOfDetail/USAddress/CityNm0OFALLON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0633688294
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04578106
IRS990/CashNonInterestBearingGrp/EOYAmt04542460
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01814590
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt0147788
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt023247
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt011000
IRS990/CYInvestmentIncomeAmt02054718
IRS990/CYOtherExpensesAmt022189120
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt032548044
IRS990/CYRevenuesLessExpensesAmt01571004
IRS990/CYSalariesCompEmpBnftPaidAmt010808391
IRS990/CYTotalExpensesAmt033031758
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt034602762
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0983021
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 32,404 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0153
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0100261
IRS990/EscrowAccountLiabilityGrp/EOYAmt0218787
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0139428
IRS990/FeesForServicesLegalGrp/TotalAmt093362
IRS990/FeesForServicesOtherGrp/TotalAmt03159654
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt945.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1245.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1345.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1445.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1545.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1645.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1745.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1845.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1945.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2045.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt970774
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1036972
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1121489
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1227521
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1337956
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1434214
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1528740
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1629488
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1712736
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1817607
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1914830
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2011667
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm1TOM KRAPU
IRS990/Form990PartVIISectionAGrp/PersonNm2ERIC VANDERHOEF
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRIS ABBOTT
IRS990/Form990PartVIISectionAGrp/PersonNm4TRINETTA TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm5SEAN LONG
IRS990/Form990PartVIISectionAGrp/PersonNm6RYAN DUNNEGAN
IRS990/Form990PartVIISectionAGrp/PersonNm7LEAH PETRAS
IRS990/Form990PartVIISectionAGrp/PersonNm8DEBBIE GERINGER
IRS990/Form990PartVIISectionAGrp/PersonNm9JASON PEACH
IRS990/Form990PartVIISectionAGrp/PersonNm10MELISSA GREEN
IRS990/Form990PartVIISectionAGrp/PersonNm11KATHY GAHR
IRS990/Form990PartVIISectionAGrp/PersonNm12KOREN GREUBEL
IRS990/Form990PartVIISectionAGrp/PersonNm13WILLIAM MCFARLAND
IRS990/Form990PartVIISectionAGrp/PersonNm14DENNIS MCGRANE
IRS990/Form990PartVIISectionAGrp/PersonNm15LORENE MEYER
IRS990/Form990PartVIISectionAGrp/PersonNm16RICHARD DILLARD
IRS990/Form990PartVIISectionAGrp/PersonNm17AUSTIN FLYNN
IRS990/Form990PartVIISectionAGrp/PersonNm18SHANNON JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm19JOSH RODRIGUEZ
IRS990/Form990PartVIISectionAGrp/PersonNm20MARISSA MCGHEE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9414924
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10189511
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11184526
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12189102
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13189047
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14188192
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15201620
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16158824
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17161075
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18157460
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19156608
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20131294
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP - BRANCH MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP - MARKETING & DIGITAL E
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP - INFORMATION TECHNOLOG
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP - LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP - ORGANIZATIONAL STRATE
IRS990/Form990PartVIISectionAGrp/TitleTxt16AVP - COMMERCIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP - CORE SYSTEMS
IRS990/Form990PartVIISectionAGrp/TitleTxt18AVP - DIGITAL ENGAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP - FINTECH & MISSION IN
IRS990/Form990PartVIISectionAGrp/TitleTxt20AVP - ACCOUNTING
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt09000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt02000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt034602762
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt012
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01064788
IRS990/InsuranceGrp/TotalAmt0169633
IRS990/InterestGrp/TotalAmt01581896
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02054718
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02054718
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt014281094
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt014965638
IRS990/IRPDocumentCnt08344
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08597367
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020524061
IRS990/LandBldgEquipBasisNetGrp/EOYAmt019680559
IRS990/LandBldgEquipCostOrOtherBssAmt028277926
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt042500000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt040000000
IRS990/NetAssetsOrFundBalancesBOYAmt035716236
IRS990/NetAssetsOrFundBalancesEOYAmt037561627
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01289580
IRS990/OfficeExpensesGrp/TotalAmt0929755
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt014281238
IRS990/OtherAssetsTotalGrp/EOYAmt012874545
IRS990/OtherChangesInNetAssetsAmt0456553
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0739363
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt07803558
IRS990/OtherExpensesGrp/TotalAmt12660480
IRS990/OtherExpensesGrp/TotalAmt21429026
IRS990/OtherExpensesGrp/TotalAmt3119767
IRS990/OtherLiabilitiesGrp/BOYAmt0382105307
IRS990/OtherLiabilitiesGrp/EOYAmt0397402204
IRS990/OtherSalariesAndWagesGrp/TotalAmt07107258
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0401251917
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0404478892
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0626800
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0520380
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06471843
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt06175617
IRS990/PrincipalOfficerNm0JASON PEACH
IRS990/PriorPeriodAdjustmentsAmt0-182166
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/RelatedOrExemptFuncIncomeAmt026059190
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16383689
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026059190
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16455554
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt233300
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt071865
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt133300
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 20,097 LOANS OUTSTANDING TOTALING $407,007,522, INCLUDING LOAN PARTICIPATIONS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON DEPOSITS TOTALING $7,803,559 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt013694
IRS990/PYContributionsGrantsAmt02238673
IRS990/PYGrantsAndSimilarPaidAmt044184
IRS990/PYInvestmentIncomeAmt01253374
IRS990/PYOtherExpensesAmt018133779
IRS990/PYOtherRevenueAmt034704
IRS990/PYProgramServiceRevenueAmt028368777
IRS990/PYRevenuesLessExpensesAmt03145259
IRS990/PYSalariesCompEmpBnftPaidAmt010558612
IRS990/PYTotalExpensesAmt028750269
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt031895528
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01755415
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01804186
IRS990/ReconcilationRevenueExpnssAmt01571004
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt035716236
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt037561627
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06216222
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018694775
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0431310069
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CUPAC OF MISSOURI
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt01000
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0223 MADISON STREET
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0JEFFERSON CITY
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0MO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd065101
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0DONATION TO A CREDIT UNION PAC
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013282771
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04023656
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt017306427
IRS990ScheduleD/EquipmentGrp/BookValueAmt01954345
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04573711
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt06528056
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt04443443
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04443443
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0397402204
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SOME MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt019680559
IRS990ScheduleD/TotalLiabilityAmt0397402204
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0$1,500 SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt09000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt06
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0SCHOLARSHIPS ARE AWARDED TO GRADUATING HIGH SCHOOL SENIORS PLANNING TO ATTEND AN ACCREDITED COLLEGE, UNIVERSITY, CAREER OR TRADE SCHOOL. THE SCHOLARSHIP COMMITTEE REVIEWS APPLICATIONS AND WINNERS ARE AWARDED $1,500 WITH PROCEEDS PAID DIRECTLY TO THE SCHOOL UPON PROOF OF ENROLLMENT.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0363924
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1178421
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2167169
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3167720
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4166554
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5188072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6163285
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt795822
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt8139269
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt9142445
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt10138533
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount051000

Document Assets

No mirrored PDF or thumbnail assets are attached yet.