Civic Intelligence

Postal & Community Credit Union

EIN 43-1546494 • 501(c)14 • St Joseph, MO

View Organization Page

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

PO Box 8035St Joseph, MO 64508-8035

www.yourpccu.org

Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

48th percentile

16.45x

Higher debt load relative to revenue than 48% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

75th percentile

19%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $50M-$100M 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

82nd percentile

6.2%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Revenue Growth

89th percentile

28%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$83,508,591

Up $6,267,791 (+8.1%) from 2023

Liabilities

Up

$75,647,185

Up $5,372,686 (+7.6%) from 2023

Net Assets

Up

$7,861,406

Up $895,105 (+13%) from 2023

Operations
Liabilities / Revenue48th percentileNet Margin75th percentile

Revenue

Up

$4,598,554

Up $893,303 (+24%) from 2023

Expenses

Up

$3,703,449

Up $705,867 (+24%) from 2023

Net Income

Up

$895,105

Up $187,436 (+26%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

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

$100M$50M$0Assets 2010: $40,167,138Liabilities 2010: $36,750,170Net Assets 2010: $3,416,9682010Assets 2011: $37,139,238Liabilities 2011: $33,741,647Net Assets 2011: $3,397,5912011Assets 2012: $37,432,225Liabilities 2012: $34,149,523Net Assets 2012: $3,282,7022012Assets 2013: $38,650,710Liabilities 2013: $35,200,626Net Assets 2013: $3,450,0842013Assets 2014: $40,482,563Liabilities 2014: $36,986,479Net Assets 2014: $3,496,0842014Assets 2015: $42,533,368Liabilities 2015: $38,902,385Net Assets 2015: $3,630,9832015Assets 2016: $44,373,171Liabilities 2016: $40,715,463Net Assets 2016: $3,657,7082016Assets 2017: $48,378,550Liabilities 2017: $44,441,313Net Assets 2017: $3,937,2372017Assets 2018: $53,031,948Liabilities 2018: $48,851,933Net Assets 2018: $4,180,0152018Assets 2019: $54,265,991Liabilities 2019: $49,756,714Net Assets 2019: $4,509,2772019Assets 2020: $60,672,105Liabilities 2020: $55,570,635Net Assets 2020: $5,101,4702020Assets 2021: $71,257,186Liabilities 2021: $65,518,441Net Assets 2021: $5,738,7452021Assets 2022: $73,999,171Liabilities 2022: $67,678,602Net Assets 2022: $6,320,5692022Assets 2023: $77,240,800Liabilities 2023: $70,274,499Net Assets 2023: $6,966,3012023Assets 2024: $83,508,591Liabilities 2024: $75,647,185Net Assets 2024: $7,861,4062024

Highlighted filing

2024

Assets$83,508,591
Liabilities$75,647,185
Net Assets$7,861,406
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,028,1642010Expenses 2011: $1,917,5142011Expenses 2012: $1,769,8582012Revenue 2013: $1,764,763Expenses 2013: $1,597,381Net Income 2013: $167,3822013Revenue 2014: $1,761,696Expenses 2014: $1,715,696Net Income 2014: $46,0002014Revenue 2015: $1,774,360Expenses 2015: $1,639,461Net Income 2015: $134,8992015Revenue 2016: $1,839,077Expenses 2016: $1,812,352Net Income 2016: $26,7252016Revenue 2017: $1,991,885Expenses 2017: $1,712,356Net Income 2017: $279,5292017Revenue 2018: $2,216,013Expenses 2018: $1,973,235Net Income 2018: $242,7782018Revenue 2019: $2,614,493Expenses 2019: $2,285,231Net Income 2019: $329,2622019Revenue 2020: $2,716,713Expenses 2020: $2,124,520Net Income 2020: $592,1932020Revenue 2021: $2,771,867Expenses 2021: $2,134,592Net Income 2021: $637,2752021Revenue 2022: $2,786,585Expenses 2022: $2,204,761Net Income 2022: $581,8242022Revenue 2023: $3,705,251Expenses 2023: $2,997,582Net Income 2023: $707,6692023Revenue 2024: $4,598,554Expenses 2024: $3,703,449Net Income 2024: $895,1052024

Highlighted filing

2024

Revenue$4,598,554
Expenses$3,703,449
Net Income$895,105
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$83,508,591
Liabilities
$75,647,185
Net assets
$7,861,406
Revenue
$4,598,554
Expenses
$3,703,449
Net income
$895,105
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$83.5$75.6$7.86$4.60$3.70$0.90
2023Detailed filing. Detailed filing data is available for this year.$77.2$70.3$6.97$3.71$3.00$0.71
2022Detailed filing. Detailed filing data is available for this year.$74.0$67.7$6.32$2.79$2.20$0.58
2021Detailed filing. Detailed filing data is available for this year.$71.3$65.5$5.74$2.77$2.13$0.64
2020Detailed filing. Detailed filing data is available for this year.$60.7$55.6$5.10$2.72$2.12$0.59
2019Detailed filing. Detailed filing data is available for this year.$54.3$49.8$4.51$2.61$2.29$0.33
2018Detailed filing. Detailed filing data is available for this year.$53.0$48.9$4.18$2.22$1.97$0.24
2017Detailed filing. Detailed filing data is available for this year.$48.4$44.4$3.94$1.99$1.71$0.28
2016Detailed filing. Detailed filing data is available for this year.$44.4$40.7$3.66$1.84$1.81$0.03
2015Detailed filing. Detailed filing data is available for this year.$42.5$38.9$3.63$1.77$1.64$0.13
2014Detailed filing. Detailed filing data is available for this year.$40.5$37.0$3.50$1.76$1.72$0.05
2013Detailed filing. Detailed filing data is available for this year.$38.7$35.2$3.45$1.76$1.60$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.4$34.1$3.28$1.77
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.1$33.7$3.40$1.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.2$36.8$3.42$2.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 6, 2025
Return Version
2024v5.2
Gross Receipts
$4,598,554
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,591,734$61,175,627▲ $4,583,893
Savings and Temporary Cash Investments$17,853,888$19,635,689▲ $1,781,801
Rtn Earn Endowment Incm Other Fnds$6,966,301$7,861,406▲ $895,105
Cash and Non-Interest-Bearing Accounts$1,022,999$829,264▼ $193,735
Land, Buildings, and Equipment, Net$707,260$711,470▲ $4,210
Prepaid Expenses and Deferred Charges$191,453$254,722▲ $63,269
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$77,240,800$83,508,591▲ $6,267,791
Other Assets Total$873,466$901,819▲ $28,353
Liabilities
Other Liabilities$70,111,870$75,441,856▲ $5,329,986
Accounts Payable and Accrued Expenses$150,778$184,668▲ $33,890
Escrow Account Liability$11,851$20,661▲ $8,810
Total Liabilities$70,274,499$75,647,185▲ $5,372,686
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,966,301$7,861,406▲ $895,105
Total Liabilities and Net Assets / Fund Balance$77,240,800$83,508,591▲ $6,267,791

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$561,606$698,461$1,260,067
Equipment$79,514$420,431$499,945
Land$70,350-$70,350
Leasehold Improvements$0$5,867$5,867
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SpaffordPresident (former)FT$136,068$704$136,772
Leslie DaviesVP-lendingFT$89,972-$89,972
Tina RyanPresidentFT$80,952$478$81,430
Sara MearsVP-accountingFT$53,315-$53,315
Brenda KernsVP-member ServicesFT$46,525$1,458$47,983

Board Members and Trustees

NameTitle
Joe MistekChairperson
Richard PhillipsVice Chairperson
Aaron RichardsonBoard Member
Bill SteeleBoard Member
Harold AllisonBoard Member
Scott NeweyBoard Member
Crystina GossSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,791,437
Investment Income
$794,244
Other Revenue
$12,873
Change in Net Assets
$895,105
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,822,941
Salaries, Compensation, and Employee Benefits$880,508
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$574,573
Current Officers, Directors, Trustees, and Key Employees---$409,471
Other Salaries and Wages---$353,848
Information Technology---$246,877
Depreciation Depletion---$84,532
Occupancy---$83,415
Fees for Services Other---$83,288
Advertising---$80,431
Payroll Taxes---$58,745
Other Employee Benefits---$57,328
Insurance---$33,123
Fees for Services Accounting---$25,232
All Other Expenses---$23,846
Other Expenses---$16,983
Fees for Services Legal---$11,202
Conferences and Meetings---$2,983
Pension Plan Contributions---$1,116
Interest---$240
Total Functional Expenses$0$0$0$3,703,449
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 Deposits$75,441,856
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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

“The president reviews the form 990 before filing.”

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

“The board of directors reviews the president's performance and determines compensation. All other management compensation is determined by the president 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 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
Postal & Community Credit Union
EIN
43-1546494
Phone
8162795656
Address
PO BOX 8035, ST JOSEPH, MO 64508-8035

Signing Officer

Name
Tina Ryan
Title
President
Phone
8162795656
Signed
2025-10-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tina Ryan
Formed
1928
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
20
Volunteers
10

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 maintains escrow accounts for insurance and taxes related to member real estate loans.”

Raw XML Appendix391 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/BOYAmt0150778
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0184668
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt080431
IRS990/AllOtherExpensesGrp/TotalAmt023846
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0TINA RYAN
IRS990/BooksInCareOfDetail/PhoneNum08162795656
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03921 OAKLAND AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0ST JOSEPH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0645064920
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IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
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IRS990/CompensationProcessOtherInd00
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IRS990/ConservationEasementsInd00
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IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0794244
IRS990/CYOtherExpensesAmt02822941
IRS990/CYOtherRevenueAmt012873
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IRS990/CYRevenuesLessExpensesAmt0895105
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IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04598554
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt084532
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 11,015 MEMBERS.
IRS990/DescribedInSection501c3Ind00
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IRS990/FamilyOrBusinessRlnInd00
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IRS990/FeesForServicesLegalGrp/TotalAmt011202
IRS990/FeesForServicesOtherGrp/TotalAmt083288
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IRS990/ForeignFinancialAccountInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm2CRYSTINA GOSS
IRS990/Form990PartVIISectionAGrp/PersonNm3BILL STEELE
IRS990/Form990PartVIISectionAGrp/PersonNm4SCOTT NEWEY
IRS990/Form990PartVIISectionAGrp/PersonNm5AARON RICHARDSON
IRS990/Form990PartVIISectionAGrp/PersonNm6HAROLD ALLISON
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES SPAFFORD
IRS990/Form990PartVIISectionAGrp/PersonNm8LESLIE DAVIES
IRS990/Form990PartVIISectionAGrp/PersonNm9TINA RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm10SARA MEARS
IRS990/Form990PartVIISectionAGrp/PersonNm11BRENDA KERNS
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt8VP-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP-ACCOUNTING
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP-MEMBER SERVICES
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IRS990/FSAuditedInd00
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IRS990/GrantsToOrganizationsInd00
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt06966301
IRS990/NetAssetsOrFundBalancesEOYAmt07861406
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt083415
IRS990/OfficeExpensesGrp/TotalAmt0574573
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0873466
IRS990/OtherAssetsTotalGrp/EOYAmt0901819
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt057328
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS & INTE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt01221739
IRS990/OtherExpensesGrp/TotalAmt1193563
IRS990/OtherExpensesGrp/TotalAmt2140914
IRS990/OtherExpensesGrp/TotalAmt316983
IRS990/OtherLiabilitiesGrp/BOYAmt070111870
IRS990/OtherLiabilitiesGrp/EOYAmt075441856
IRS990/OtherSalariesAndWagesGrp/TotalAmt0353848
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt056591734
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt061175627
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt058745
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01116
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0191453
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0254722
IRS990/PrincipalOfficerNm0TINA RYAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY & OTHER INSUR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03229670
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1549839
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03229670
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1561677
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt290
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011838
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt190
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 3,540 LOANS OUTSTANDING TOTALING $61251,284.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $1,221,739 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0577480
IRS990/PYOtherExpensesAmt02202347
IRS990/PYOtherRevenueAmt07747
IRS990/PYProgramServiceRevenueAmt03120024
IRS990/PYRevenuesLessExpensesAmt0707669
IRS990/PYSalariesCompEmpBnftPaidAmt0795235
IRS990/PYTotalExpensesAmt02997582
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03705251
IRS990/ReconcilationRevenueExpnssAmt0895105
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt012873
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt012873
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06966301
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07861406
IRS990/SavingsAndTempCashInvstGrp/BOYAmt017853888
IRS990/SavingsAndTempCashInvstGrp/EOYAmt019635689
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0561606
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0698461
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01260067
IRS990ScheduleD/EquipmentGrp/BookValueAmt079514
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0420431
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0499945
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt070350
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt070350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05867
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt05867
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt075441856
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0711470
IRS990ScheduleD/TotalLiabilityAmt075441856
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY 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 BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL 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.
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/TotalAssetsBOYAmt077240800
IRS990/TotalAssetsEOYAmt083508591
IRS990/TotalAssetsGrp/BOYAmt077240800
IRS990/TotalAssetsGrp/EOYAmt083508591
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/TotalAmt03703449
IRS990/TotalGrossUBIAmt011928
IRS990/TotalLiabilitiesBOYAmt070274499
IRS990/TotalLiabilitiesEOYAmt075647185
IRS990/TotalLiabilitiesGrp/BOYAmt070274499
IRS990/TotalLiabilitiesGrp/EOYAmt075647185
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06966301
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07861406
IRS990/TotalOtherCompensationAmt02640
IRS990/TotalProgramServiceRevenueAmt03791437
IRS990/TotalReportableCompFromOrgAmt0406832
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04586626
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04598554
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt011928
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt077240800
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt083508591
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03921 OAKLAND AVENUE
IRS990/USAddress/CityNm0ST JOSEPH
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd064506
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.YOURPCCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TINA RYAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162795656
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0POSTAL & COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0POST
ReturnHeader/Filer/EIN0431546494
ReturnHeader/Filer/PhoneNum08162795656
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 8035
ReturnHeader/Filer/USAddress/CityNm0ST JOSEPH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0645088035
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/PreparationDt02025-10-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-10-06T05:14:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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