Civic Intelligence

De Soto Mo Pac Credit Union

990 • Fiscal year 2016 • EIN 43-0722166

Jan 01, 2016 to Dec 31, 2016 • Filed on Jan 24, 2017

Organization ProfileWWW.DESOTOMOPACCU.COM

View Organization Page

418 N Main StDE Soto, MO 63020

(636) 586-9922

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

2nd percentile

0.04x

Higher debt load relative to revenue than 2% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

93rd percentile

24%

Higher net margin than 93% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

20th percentile

$51,995

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 7.4% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

98th percentile

19%

Faster asset growth than 98% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

94th percentile

15%

Faster revenue growth than 94% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$14,964,326

Up $2,345,492 (+19%) from 2015

Net Assets

Up

$14,935,647

Up $2,338,831 (+19%) from 2015

Liabilities

Up

$28,679

Up $6,661 (+30%) from 2015

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin93rd percentile

Revenue

Up

$703,408

Up $91,618 (+15%) from 2015

Expenses

Up

$532,259

Up $57,320 (+12%) from 2015

Net Income

Up

$171,149

Up $34,298 (+25%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2013: $10,514,514Liabilities 2013: $8,482Net Assets 2013: $10,506,0322013Assets 2014: $11,438,213Liabilities 2014: $15,451Net Assets 2014: $11,422,7622014Assets 2015: $12,618,834Liabilities 2015: $22,018Net Assets 2015: $12,596,8162015Assets 2016: $14,964,326Liabilities 2016: $28,679Net Assets 2016: $14,935,6472016Assets 2017: $16,221,539Liabilities 2017: $34,657Net Assets 2017: $16,186,8822017Assets 2018: $16,384,235Liabilities 2018: $29,448Net Assets 2018: $16,354,7872018Assets 2019: $17,224,894Liabilities 2019: $32,770Net Assets 2019: $17,192,1242019Assets 2020: $19,954,911Liabilities 2020: $124,026Net Assets 2020: $19,830,8852020Assets 2021: $21,956,500Liabilities 2021: $82,679Net Assets 2021: $21,873,8212021Assets 2022: $21,578,212Liabilities 2022: $117,019Net Assets 2022: $21,461,1932022Assets 2023: $20,706,044Liabilities 2023: $140,175Net Assets 2023: $20,565,8692023Assets 2024: $23,428,551Liabilities 2024: $87,143Net Assets 2024: $23,341,4082024

Highlighted filing

2016

Assets$14,964,326
Liabilities$28,679
Net Assets$14,935,647
Open 2016 Filing

Operations Trend

Revenue Growth94th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0Revenue 2013: $465,835Expenses 2013: $380,777Net Income 2013: $85,0582013Revenue 2014: $521,095Expenses 2014: $411,967Net Income 2014: $109,1282014Revenue 2015: $611,790Expenses 2015: $474,939Net Income 2015: $136,8512015Revenue 2016: $703,408Expenses 2016: $532,259Net Income 2016: $171,1492016Revenue 2017: $771,377Expenses 2017: $630,359Net Income 2017: $141,0182017Revenue 2018: $797,798Expenses 2018: $660,533Net Income 2018: $137,2652018Revenue 2019: $878,885Expenses 2019: $700,596Net Income 2019: $178,2892019Revenue 2020: $837,008Expenses 2020: $727,742Net Income 2020: $109,2662020Revenue 2021: $804,617Expenses 2021: $666,637Net Income 2021: $137,9802021Revenue 2022: $919,541Expenses 2022: $698,750Net Income 2022: $220,7912022Revenue 2023: $1,102,950Expenses 2023: $968,123Net Income 2023: $134,8272023Revenue 2024: $1,218,315Expenses 2024: $1,056,508Net Income 2024: $161,8072024

Highlighted filing

2016

Revenue$703,408
Expenses$532,259
Net Income$171,149
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jan 24, 2017
Return Version
2016v3.0
Gross Receipts
$703,408
Mission and Program Overview

Mission

Non-profit credit union formed to encourage thrift among its members. We create a source of credit at a fair and reasonable rate of interest and provide our members with earnings, savings, benefits and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$12,596,816$14,935,647▲ $2,338,831
Other Notes and Loans Receivable, Net$9,827,800$11,280,635▲ $1,452,835
Investments Other Securities$1,975,618$2,879,797▲ $904,179
Savings and Temporary Cash Investments$450,624$411,466▼ $39,158
Receivables From Officers Etc$50,371$118,852▲ $68,481
Cash and Non-Interest-Bearing Accounts$151,494$108,868▼ $42,626
Land, Buildings, and Equipment, Net$16,231$8,340▼ $7,891
Prepaid Expenses and Deferred Charges$6,138--
Total Assets$12,618,834$14,964,326▲ $2,345,492
Other Assets Total$140,558$156,368▲ $15,810
Liabilities
Other Liabilities$22,018$28,679▲ $6,661
Total Liabilities$22,018$28,679▲ $6,661
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,596,816$14,935,647▲ $2,338,831
Total Liabilities and Net Assets / Fund Balance$12,618,834$14,964,326▲ $2,345,492

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,340$79,622$87,962
Leasehold Improvements-$726$726
Other Securities$629,797--
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Melissa ThebeauTreas./mgrFT$51,995$51,995

Board Members and Trustees

NameTitle
John KiteChairperson
John RogersVice-chair
Andrew DaughertyMember
G Wayne NeesMember
Lambert ThebeauMember
MICHAEL O'SHEAMember
Marvin JinkersonMember
Roger MarlerMember
Steven RandallMember
William BattrealMember
William GrayMember
Richard PicaSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$703,408
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$171,149
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$376,637
Salaries, Compensation, and Employee Benefits$155,622
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$142,640
All Other Expenses---$88,397
Office Expenses---$29,816
Other Expenses---$13,293
Payroll Taxes---$11,669
Depreciation Depletion---$7,891
Occupancy---$7,800
Fees for Services Accounting---$3,010
Conferences and Meetings---$1,460
Pension Plan Contributions---$1,313
Fees for Services Legal---$951
Total Functional Expenses$0$0$0$532,259
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$50,371$118,852▲ $68,481
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Debit Card Liability$10,820
State Credit Union Tax Payable$8,340
Credit Disability Insurance$5,347
Taxes Payable$1,946
Federal Tax$1,000
Audit Expense Payable$760
Mo Tax$466
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“John kite melissa thebeau chairman treasurer father/daughter john rogers michael o'shea vice-chair member father-in-law/son-in-law”

Form 990, Page 6, Part VI, Line 7A

“The stockholders elect the board members.”

Form 990, Page 6, Part VI, Line 11B

“The treasurer of the board reviews and files form 990.”

Form 990, Page 6, Part VI, Line 19

“Form 990 is made available to the public at www.guidestar.org.”

Filing and Contact Details

Filer

Filer Name
De Soto Mo Pac Credit Union
EIN
43-0722166
Phone
6365869922
Address
418 N MAIN ST, DE SOTO, MO 63020

Signing Officer

Name
Melissa Thebeau
Title
Treas./mgr
Phone
6365869922
Signed
2017-01-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melissa Thebeau
Formed
1939
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
4

Preparer

Firm
Crouch Farley & Heuring Pc
Address
PO BOX 776, FESTUS, MO 63028-0776
Preparer
MICHAEL P O'SHEA CPA
Phone
6369378351
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Taxes 11,876 0 0 statement printing 11,225 0 0 mo cu fees 9,032 0 0 atm monthly fee 8,625 0 0 ach & mccu expense 7,567 0 0 home equity loan expense 6,178 0 0 data processing fees 6,138 0 0 internet service 5,500 0 0 utilities 5,337 0 0 credit reports 4,709 0 0 supervision fee 3,863 0 0 culs loan program expense 2,310 0 0 postage 2,051 0 0 billpay expense 1,938 0 0 recording lien expense 1,848 0 0 cash over/short 200 0 0 total 88,397 0 0”

Form 990, Part XI, Line 9

“Increase in regular shares 866,764 increase in share drafts 277,307 increase in certificates 1,023,611 total 2,167,682”

Raw XML AppendixShowing 400 of 455 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/AccountantCompileOrReviewInd0false
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0NON-PROFIT CREDIT UNION FORMED TO ENCOURAGE THRIFT AMONG ITS MEMBERS. WE CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDE OUR MEMBERS WITH EARNINGS, SAVINGS, BENEFITS AND SERVICES.
IRS990/AllOtherExpensesGrp/TotalAmt088397
IRS990/BooksInCareOfDetail/PersonNm0MELISSA THEBEAU
IRS990/BooksInCareOfDetail/PhoneNum06365869922
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0418 N MAIN ST
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0418 N MAIN ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0DE SOTO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd063020
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0151494
IRS990/CashNonInterestBearingGrp/EOYAmt0108868
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt01460
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt0376637
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0703408
IRS990/CYRevenuesLessExpensesAmt0171149
IRS990/CYSalariesCompEmpBnftPaidAmt0155622
IRS990/CYTotalExpensesAmt0532259
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0703408
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt07891
IRS990/Desc0VOLUNTARY, NON-PROFIT CREDIT UNION, INCORPORATED UNDER MISSOURI STATUTES FOR THE PURPOSES OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT AT AT FAIR AND REASONABLE RATE OF INTEREST, PROVIDING FOR MUTUAL BENEFIT OF ITS MEMBERS WITH EARNINGS, SAVINGS, BENEFITS AND SERVICES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0532259
IRS990/FamilyOrBusinessRlnInd0true
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt03010
IRS990/FeesForServicesLegalGrp/TotalAmt0951
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120.50
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0MELISSA THEBEAU
IRS990/Form990PartVIISectionAGrp/PersonNm1JOHN KITE
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN ROGERS
IRS990/Form990PartVIISectionAGrp/PersonNm3LAMBERT THEBEAU
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm5ROGER MARLER
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDREW DAUGHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm7MARVIN JINKERSON
IRS990/Form990PartVIISectionAGrp/PersonNm8WILLIAM BATTREAL
IRS990/Form990PartVIISectionAGrp/PersonNm9G WAYNE NEES
IRS990/Form990PartVIISectionAGrp/PersonNm10RICHARD PICA
IRS990/Form990PartVIISectionAGrp/PersonNm11MICHAEL O'SHEA
IRS990/Form990PartVIISectionAGrp/PersonNm12STEVEN RANDALL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt051995
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/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
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/TitleTxt0TREAS./MGR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt11MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01939
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0703408
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01975618
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02879797
IRS990/IRPDocumentCnt0572
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt080348
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016231
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08340
IRS990/LandBldgEquipCostOrOtherBssAmt088688
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0NON-PROFIT CREDIT UNION FORMED TO ENCOURAGE THRIFT AMONG ITS MEMBERS. WE CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDE OUR MEMBERS WITH EARNINGS, SAVINGS, BENEFITS AND SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt012596816
IRS990/NetAssetsOrFundBalancesEOYAmt014935647
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt07800
IRS990/OfficeExpensesGrp/TotalAmt029816
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0140558
IRS990/OtherAssetsTotalGrp/EOYAmt0156368
IRS990/OtherChangesInNetAssetsAmt02167682
IRS990/OtherExpensesGrp/Desc0DIVIDENDS
IRS990/OtherExpensesGrp/Desc1DEBIT & ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2CASUALTY INSURANCE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0166135
IRS990/OtherExpensesGrp/TotalAmt144113
IRS990/OtherExpensesGrp/TotalAmt213771
IRS990/OtherExpensesGrp/TotalAmt313293
IRS990/OtherLiabilitiesGrp/BOYAmt022018
IRS990/OtherLiabilitiesGrp/EOYAmt028679
IRS990/OtherSalariesAndWagesGrp/TotalAmt0142640
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt09827800
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011280635
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt011669
IRS990/PensionPlanContributionsGrp/TotalAmt01313
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06138
IRS990/PrincipalOfficerNm0MELISSA THEBEAU
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON HOME EQUITY LOANS
IRS990/ProgramServiceRevenueGrp/Desc2CD INSURANCE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3ATM/DC INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0435242
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1115161
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt258660
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt333063
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt431159
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0435242
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1115161
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt258660
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt333063
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt431159
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYOtherExpensesAmt0331129
IRS990/PYProgramServiceRevenueAmt0611790
IRS990/PYRevenuesLessExpensesAmt0136851
IRS990/PYSalariesCompEmpBnftPaidAmt0143810
IRS990/PYTotalExpensesAmt0474939
IRS990/PYTotalRevenueAmt0611790
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt050371
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0118852
IRS990/ReconcilationRevenueExpnssAmt0171149
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0703408
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012596816
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014935647
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0450624
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0411466
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt08340
IRS990ScheduleD/EquipmentGrp/DepreciationAmt079622
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt087962
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0726
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0726
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010820
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18340
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25347
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31946
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5760
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6466
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEBIT CARD LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1STATE CREDIT UNION TAX PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CREDIT DISABILITY INSURANCE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3TAXES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4FEDERAL TAX
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5AUDIT EXPENSE PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6MO TAX
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02250000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1629797
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES HELD
IRS990ScheduleD/OtherSecuritiesGrp/Desc1KS CORP CREDIT UNION
IRS990ScheduleD/OtherSecuritiesGrp/Desc2MO CORP CREDIT UNION
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08340
IRS990ScheduleD/TotalBookValueSecuritiesAmt02879797
IRS990ScheduleD/TotalLiabilityAmt028679
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt032154
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt127000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt219608
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt310244
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt410045
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt59046
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt66595
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt74160
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7PERSONAL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt033100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt127000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt225734
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt310893
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt415986
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt523674
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt66850
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt75339
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0MELISSA THEBEAU
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1WILLIAM GRAY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JOHN KITE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3STEVEN RANDALL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4MICHAEL O'SHEA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5MICHAEL O'SHEA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6MELISSA THEBEAU
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7STEVEN RANDALL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0118852
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0JOHN KITE MELISSA THEBEAU CHAIRMAN TREASURER FATHER/DAUGHTER JOHN ROGERS MICHAEL O'SHEA VICE-CHAIR MEMBER FATHER-IN-LAW/SON-IN-LAW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE STOCKHOLDERS ELECT THE BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE TREASURER OF THE BOARD REVIEWS AND FILES FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS MADE AVAILABLE TO THE PUBLIC AT WWW.GUIDESTAR.ORG.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TAXES 11,876 0 0 STATEMENT PRINTING 11,225 0 0 MO CU FEES 9,032 0 0 ATM MONTHLY FEE 8,625 0 0 ACH & MCCU EXPENSE 7,567 0 0 HOME EQUITY LOAN EXPENSE 6,178 0 0 DATA PROCESSING FEES 6,138 0 0 INTERNET SERVICE 5,500 0 0 UTILITIES 5,337 0 0 CREDIT REPORTS 4,709 0 0 SUPERVISION FEE 3,863 0 0 CULS LOAN PROGRAM EXPENSE 2,310 0 0 POSTAGE 2,051 0 0 BILLPAY EXPENSE 1,938 0 0 RECORDING LIEN EXPENSE 1,848 0 0 CASH OVER/SHORT 200 0 0 TOTAL 88,397 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INCREASE IN REGULAR SHARES 866,764 INCREASE IN SHARE DRAFTS 277,307 INCREASE IN CERTIFICATES 1,023,611 TOTAL 2,167,682
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012618834
IRS990/TotalAssetsEOYAmt014964326
IRS990/TotalAssetsGrp/BOYAmt012618834
IRS990/TotalAssetsGrp/EOYAmt014964326
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0532259
IRS990/TotalGrossUBIAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,964,326
Liabilities
$28,679
Net assets
$14,935,647
Revenue
$703,408
Expenses
$532,259
Net income
$171,149
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$23.4$0.09$23.3$1.22$1.06$0.16
2023Detailed filing. Detailed filing data is available for this year.$20.7$0.14$20.6$1.10$0.97$0.13
2022Detailed filing. Detailed filing data is available for this year.$21.6$0.12$21.5$0.92$0.70$0.22
2021Detailed filing. Detailed filing data is available for this year.$22.0$0.08$21.9$0.80$0.67$0.14
2020Detailed filing. Detailed filing data is available for this year.$20.0$0.12$19.8$0.84$0.73$0.11
2019Detailed filing. Detailed filing data is available for this year.$17.2$0.03$17.2$0.88$0.70$0.18
2018Detailed filing. Detailed filing data is available for this year.$16.4$0.03$16.4$0.80$0.66$0.14
2017Detailed filing. Detailed filing data is available for this year.$16.2$0.03$16.2$0.77$0.63$0.14
2016Detailed filing. Detailed filing data is available for this year.$15.0$0.03$14.9$0.70$0.53$0.17
2015Detailed filing. Detailed filing data is available for this year.$12.6$0.02$12.6$0.61$0.47$0.14
2014Detailed filing. Detailed filing data is available for this year.$11.4$0.02$11.4$0.52$0.41$0.11
2013Detailed filing. Detailed filing data is available for this year.$10.5$0.01$10.5$0.47$0.38$0.09