Civic Intelligence

United Labor Credit Union

EIN 43-1443788 • 501(c)14 • Raytown, MO

Profile

To improve the financial lives of union members and their families

10000 E 66th TerraceRaytown, MO 64133-5251

unitedlaborcu.org

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

25th percentile

12.30x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

62nd percentile

12%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

92nd percentile

$142,379

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 10.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

51st percentile

0.1%

Faster asset growth than 51% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

13%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Assets

Up

$18,699,931

Up $19,504 (+0.1%) from 2023

Liabilities

Down

$17,234,885

Down $146,052 (-0.8%) from 2023

Net Assets

Up

$1,465,046

Up $165,556 (+13%) from 2023

Revenue

Up

$1,401,111

Up $166,421 (+13%) from 2023

Expenses

Up

$1,235,555

Up $159,750 (+15%) from 2023

Net Income

Up

$165,556

Up $6,671 (+4.2%) from 2023

Trend Graphs

Balance Sheet Trend

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

$20M$15M$10M$5.0M$0Assets 2010: $8,677,141Liabilities 2010: $8,068,883Net Assets 2010: $608,2582010Assets 2011: $9,249,722Liabilities 2011: $8,575,566Net Assets 2011: $674,1562011Assets 2012: $10,128,026Liabilities 2012: $9,345,818Net Assets 2012: $782,2082012Assets 2013: $10,867,359Liabilities 2013: $10,006,332Net Assets 2013: $861,0272013Assets 2014: $11,790,616Liabilities 2014: $10,909,436Net Assets 2014: $881,1802014Assets 2015: $12,580,453Liabilities 2015: $11,689,142Net Assets 2015: $891,3112015Assets 2016: $12,909,537Liabilities 2016: $11,753,202Net Assets 2016: $1,156,3352016Assets 2017: $13,504,980Liabilities 2017: $12,283,420Net Assets 2017: $1,221,5602017Assets 2018: $14,342,427Liabilities 2018: $13,170,595Net Assets 2018: $1,171,8322018Assets 2019: $15,674,497Liabilities 2019: $14,440,616Net Assets 2019: $1,233,8812019Assets 2020: $17,516,760Liabilities 2020: $16,261,066Net Assets 2020: $1,255,6942020Assets 2021: $18,221,258Liabilities 2021: $17,015,338Net Assets 2021: $1,205,9202021Assets 2022: $17,798,545Liabilities 2022: $16,639,524Net Assets 2022: $1,159,0212022Assets 2023: $18,680,427Liabilities 2023: $17,380,937Net Assets 2023: $1,299,4902023Assets 2024: $18,699,931Liabilities 2024: $17,234,885Net Assets 2024: $1,465,0462024

Highlighted filing

2024

Assets$18,699,931
Liabilities$17,234,885
Net Assets$1,465,046

Operations Trend

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $626,0272010Expenses 2011: $678,1682011Expenses 2012: $708,2782012Revenue 2013: $828,963Expenses 2013: $750,144Net Income 2013: $78,8192013Revenue 2014: $888,722Expenses 2014: $868,569Net Income 2014: $20,1532014Revenue 2015: $921,713Expenses 2015: $911,582Net Income 2015: $10,1312015Revenue 2016: $953,191Expenses 2016: $688,167Net Income 2016: $265,0242016Revenue 2017: $952,481Expenses 2017: $887,256Net Income 2017: $65,2252017Revenue 2018: $923,279Expenses 2018: $973,007Net Income 2018: -$49,7282018Revenue 2019: $971,075Expenses 2019: $887,924Net Income 2019: $83,1512019Revenue 2020: $931,068Expenses 2020: $909,255Net Income 2020: $21,8132020Revenue 2021: $852,586Expenses 2021: $902,360Net Income 2021: -$49,7742021Revenue 2022: $931,977Expenses 2022: $978,876Net Income 2022: -$46,8992022Revenue 2023: $1,234,690Expenses 2023: $1,075,805Net Income 2023: $158,8852023Revenue 2024: $1,401,111Expenses 2024: $1,235,555Net Income 2024: $165,5562024

Highlighted filing

2024

Revenue$1,401,111
Expenses$1,235,555
Net Income$165,556

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$17.2$1.47$1.40$1.24$0.17
2023Detailed filing. Detailed filing data is available for this year.$18.7$17.4$1.30$1.23$1.08$0.16
2022Detailed filing. Detailed filing data is available for this year.$17.8$16.6$1.16$0.93$0.98$0.05
2021Detailed filing. Detailed filing data is available for this year.$18.2$17.0$1.21$0.85$0.90$0.05
2020Detailed filing. Detailed filing data is available for this year.$17.5$16.3$1.26$0.93$0.91$0.02
2019Detailed filing. Detailed filing data is available for this year.$15.7$14.4$1.23$0.97$0.89$0.08
2018Detailed filing. Detailed filing data is available for this year.$14.3$13.2$1.17$0.92$0.97$0.05
2017Detailed filing. Detailed filing data is available for this year.$13.5$12.3$1.22$0.95$0.89$0.07
2016Detailed filing. Detailed filing data is available for this year.$12.9$11.8$1.16$0.95$0.69$0.27
2015Detailed filing. Detailed filing data is available for this year.$12.6$11.7$0.89$0.92$0.91$0.01
2014Detailed filing. Detailed filing data is available for this year.$11.8$10.9$0.88$0.89$0.87$0.02
2013Detailed filing. Detailed filing data is available for this year.$10.9$10.0$0.86$0.83$0.75$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.1$9.35$0.78$0.71
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.25$8.58$0.67$0.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.68$8.07$0.61$0.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 29, 2025
Return Version
2024v5.2
Gross Receipts
$1,401,111
Mission and Program Overview

Mission

Cooperative provider of financial services

To improve the financial lives of union members and their families

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,985,345$11,617,460▼ $367,885
Savings and Temporary Cash Investments$5,732,012$6,069,580▲ $337,568
Rtn Earn Endowment Incm Other Fnds$1,299,490$1,465,046▲ $165,556
Land, Buildings, and Equipment, Net$513,603$499,419▼ $14,184
Cash and Non-Interest-Bearing Accounts$201,376$228,453▲ $27,077
Prepaid Expenses and Deferred Charges$30,847$24,889▼ $5,958
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$18,680,427$18,699,931▲ $19,504
Other Assets Total$217,244$260,130▲ $42,886
Liabilities
Other Liabilities$17,343,784$17,191,832▼ $151,952
Accounts Payable and Accrued Expenses$37,153$43,053▲ $5,900
Total Liabilities$17,380,937$17,234,885▼ $146,052
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,299,490$1,465,046▲ $165,556
Total Liabilities and Net Assets / Fund Balance$18,680,427$18,699,931▲ $19,504

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$284,564$60,362$344,926
Equipment$34,855$234,112$268,967
Land$180,000-$180,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tim VoglerPresidentFT$118,072$24,307$142,379

Board Members and Trustees

NameTitle
Mike BynumChairman
Allen Jay LindVice Chairman
Aaron BrownBoard Member
Joseph FuentesBoard Member
Kevin HendricksonBoard Member
Nigel BaylessBoard Member
Jason MendenhallSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,166,394
Investment Income
$230,934
Other Revenue
$3,783
Change in Net Assets
$165,556
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$679,952
Salaries, Compensation, and Employee Benefits$555,603
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$272,756
Office Expenses---$197,953
Current Officers, Directors, Trustees, and Key Employees---$142,382
Other Employee Benefits---$70,079
Pension Plan Contributions---$40,217
Advertising---$36,708
Occupancy---$35,252
Payroll Taxes---$30,169
Insurance---$26,706
All Other Expenses---$24,009
Information Technology---$20,952
Depreciation Depletion---$20,893
Fees for Services Other---$18,421
Fees for Services Legal---$13,130
Fees for Services Accounting---$10,994
Other Expenses---$10,797
Travel---$1,051
Total Functional Expenses$0$0$0$1,235,555
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$17,191,832
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

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 president reviews the form 990 before filing.

Form 990, Part VI, Section B, Line 15A

The executive committee of the board of directors reviews the president's performance annually and establishes compensation pursuant to a written employment contract. All other compensation is determined by the president and presented to the board of directors as part of the budget approval process. Deliberations and decisions are documented in the board minutes.

Form 990, Part VI, Section C, Line 19

Financial statements are posted in the credit union lobby, presented at the annual meeting and are available upon request. In addition, financial information is posted on the ncua website as part of the quarterly call reports. Other documents, policies and procedures are avaialable upon request.

Filing and Contact Details

Filer

Filer Name
United Labor Credit Union
EIN
43-1443788
Phone
8163132848
Address
10000 E 66TH TERRACE, RAYTOWN, MO 64133-5251

Signing Officer

Name
Tim Vogler
Title
President
Phone
8163132848
Signed
2025-09-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tim Vogler
Formed
1987
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
0

Preparer

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

Financial Statement Notes

PART IV, LINE 2B:

The credit union president meets with members to assist with improving credit scores and debt counseling, as needed.

Raw XML Appendix343 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
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IRS990/PYRevenuesLessExpensesAmt0158885
IRS990/PYSalariesCompEmpBnftPaidAmt0473843
IRS990/PYTotalExpensesAmt01075805
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01234690
IRS990/ReconcilationRevenueExpnssAmt0165556
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt03783
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt03783
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01299490
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01465046
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05732012
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06069580
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0284564
IRS990ScheduleD/BuildingsGrp/DepreciationAmt060362
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0344926
IRS990ScheduleD/EquipmentGrp/BookValueAmt034855
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0234112
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0268967
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0180000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0180000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017191832
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PRESIDENT MEETS WITH MEMBERS TO ASSIST WITH IMPROVING CREDIT SCORES AND DEBT COUNSELING, AS NEEDED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0499419
IRS990ScheduleD/TotalLiabilityAmt017191832
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE ANNUALLY AND ESTABLISHES COMPENSATION PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT. ALL OTHER COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED TO THE BOARD OF DIRECTORS AS PART OF THE BUDGET APPROVAL PROCESS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY, PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, FINANCIAL INFORMATION IS POSTED ON THE NCUA WEBSITE AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAIALABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt018680427
IRS990/TotalAssetsEOYAmt018699931
IRS990/TotalAssetsGrp/BOYAmt018680427
IRS990/TotalAssetsGrp/EOYAmt018699931
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01235555
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017380937
IRS990/TotalLiabilitiesEOYAmt017234885
IRS990/TotalLiabilitiesGrp/BOYAmt017380937
IRS990/TotalLiabilitiesGrp/EOYAmt017234885
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01299490
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01465046
IRS990/TotalOtherCompensationAmt024307
IRS990/TotalProgramServiceRevenueAmt01166394
IRS990/TotalReportableCompFromOrgAmt0118072
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01401111
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01401111
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018680427
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018699931
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01051
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010000 E 66TH TERRACE
IRS990/USAddress/CityNm0RAYTOWN
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641335251
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0UNITEDLABORCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TIM VOGLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08163132848
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0UNITED LABOR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0431443788
ReturnHeader/Filer/PhoneNum08163132848
ReturnHeader/Filer/USAddress/AddressLine1Txt010000 E 66TH TERRACE
ReturnHeader/Filer/USAddress/CityNm0RAYTOWN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641335251
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-09-29T14:51:44-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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