Civic Intelligence

Postal & Community Credit Union

990 • Fiscal year 2013 • EIN 43-1546494

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 13, 2014

Organization ProfileWWW.YOURPCCU.ORG

View Organization Page

PO Box 8035St Joseph, MO 64508-8035

(816) 279-5656

Siviq Scores

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

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

52nd percentile

19.95x

Higher debt load relative to revenue than 52% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

62nd percentile

9.5%

Higher net margin than 62% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

81st percentile

$124,400

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

64th percentile

3.3%

Faster asset growth than 64% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$38,650,710

Up $1,218,485 (+3.3%) from 2012

Net Assets

Up

$3,450,084

Up $167,382 (+5.1%) from 2012

Liabilities

Up

$35,200,626

Up $1,051,103 (+3.1%) from 2012

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin62nd percentile

Revenue

$1,764,763

No earlier filing loaded for comparison.

Expenses

Down

$1,597,381

Down $172,477 (-9.7%) from 2012

Net Income

$167,382

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$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

2013

Assets$38,650,710
Liabilities$35,200,626
Net Assets$3,450,084
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$1,764,763
Expenses$1,597,381
Net Income$167,382
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 13, 2014
Return Version
2013v3.0
Gross Receipts
$1,764,763
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$21,870,682$23,752,124▲ $1,881,442
Savings and Temporary Cash Investments$13,273,554$12,518,292▼ $755,262
Rtn Earn Endowment Incm Other Fnds$3,282,702$3,450,084▲ $167,382
Land, Buildings, and Equipment, Net$1,020,522$969,947▼ $50,575
Cash and Non-Interest-Bearing Accounts$788,431$949,027▲ $160,596
Prepaid Expenses and Deferred Charges$68,867$69,470▲ $603
Accounts Receivable$23,487$6,978▼ $16,509
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$37,432,225$38,650,710▲ $1,218,485
Other Assets Total$386,682$384,872▼ $1,810
Liabilities
Other Liabilities$34,122,119$35,164,815▲ $1,042,696
Accounts Payable and Accrued Expenses$24,562$30,950▲ $6,388
Escrow Account Liability$2,842$4,861▲ $2,019
Total Liabilities$34,149,523$35,200,626▲ $1,051,103
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,282,702$3,450,084▲ $167,382
Total Liabilities and Net Assets / Fund Balance$37,432,225$38,650,710▲ $1,218,485

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$811,071$284,080$1,095,151
Equipment$88,526$558,824$647,350
Land$70,350-$70,350
Leasehold Improvements$0$5,867$5,867
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SpaffordPresidentFT$106,371$18,029$124,400
Leslie TaylorVP-lendingFT$38,485-$38,485
Tina RyanVP-member ServicesFT$32,376-$32,376

Board Members and Trustees

NameTitle
Joe MistekChairperson
Richard PhillipsVice Chairperson
Bill SteeleBoard Member
Bonnie LowranceBoard Member
Eunice KingBoard Member
Patricia AtteberryBoard Member
Kelly WalkerSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,664,757
Investment Income
$90,852
Other Revenue
$9,154
Change in Net Assets
$167,382
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,004,066
Salaries, Compensation, and Employee Benefits$593,315
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$467,510
Other Salaries and Wages---$282,793
Current Officers, Directors, Trustees, and Key Employees---$195,261
Information Technology---$100,860
Other Employee Benefits---$75,836
Depreciation Depletion---$65,916
Fees for Services Other---$55,835
Occupancy---$55,107
Payroll Taxes---$38,450
All Other Expenses---$35,822
Insurance---$29,400
Fees for Services Accounting---$26,617
Advertising---$15,979
Fees for Services Legal---$6,202
Pension Plan Contributions---$975
Conferences and Meetings---$43
Interest---$8
Other Expenses---$-3,456
Total Functional Expenses$0$0$0$1,597,381
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$35,164,815
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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

“Significant changes such as mergers and changes to the bylaws 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 11

“An outside accounting firm prepares the form 990 based on information provided by the credit union. Upon completion, the president is responsible for reviewing the return before filing.”

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

“The compensation committee of the board of directors reviews the president's performance and determines compensation using various information, including salary surveys. 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. Board 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

EIN
43-1546494
Phone
8162795656

Signing Officer

Name
James Spafford
Title
President
Phone
8162795656
Signed
2014-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Spafford
Formed
1928
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
16
Volunteers
10

Preparer

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 Appendix369 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/AccountsReceivableGrp/EOYAmt06978
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.
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IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10JAMES SPAFFORD
IRS990/BooksInCareOfDetail/PhoneNum08162795656
IRS990/BooksInCareOfDetail/USAddress/AddressLine103921 OAKLAND AVE
IRS990/BooksInCareOfDetail/USAddress/City0ST JOSEPH
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
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IRS990/Form990PartVIISectionAGrp/PersonNm2KELLY WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICIA ATTEBERRY
IRS990/Form990PartVIISectionAGrp/PersonNm4BONNIE LOWRANCE
IRS990/Form990PartVIISectionAGrp/PersonNm5EUNICE KING
IRS990/Form990PartVIISectionAGrp/PersonNm6BILL STEELE
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES SPAFFORD
IRS990/Form990PartVIISectionAGrp/PersonNm8LESLIE TAYLOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP-MEMBER SERVICES
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IRS990/GrantsToOrganizationsInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/InvestmentInJointVentureInd01
IRS990/IRPDocumentCnt01078
IRS990/IRPDocumentW2GCnt00
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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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
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IRS990/NetAssetsOrFundBalancesEOYAmt03450084
IRS990/NetUnrelatedBusTxblIncmAmt0-13662
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IRS990/OfficeExpensesGrp/TotalAmt0467510
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2NCUSIF ASSESSMENTS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt145251
IRS990/OtherExpensesGrp/TotalAmt228461
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023752124
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt038450
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0975
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt069470
IRS990/PrincipalOfficerNm0JAMES SPAFFORD
IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219363
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt081
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt119363
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 2,756 LOANS OUTSTANDING TOTALING $23,817,239.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $74,511 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-26102
IRS990/PYOtherExpensesAmt01136020
IRS990/PYOtherRevenueAmt09093
IRS990/PYProgramServiceRevenueAmt01671978
IRS990/PYRevenuesLessExpensesAmt0-114889
IRS990/PYSalariesCompEmpBnftPaidAmt0633838
IRS990/PYTotalExpensesAmt01769858
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01654969
IRS990/ReconcilationRevenueExpnssAmt0167382
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt09154
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09154
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03282702
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03450084
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013273554
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012518292
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0811071
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0284080
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01095151
IRS990ScheduleD/EquipmentGrp/BookValueAmt088526
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0558824
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0647350
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt070350
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt070350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt05867
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt05867
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt035164815
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/TotalBookValueLandBuildingsAmt0969947
IRS990ScheduleD/TotalLiabilityAmt035164815
IRS990/ScheduleJRequiredInd00
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/ExplanationTxt2SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO THE BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN OUTSIDE ACCOUNTING FIRM PREPARES THE FORM 990 BASED ON INFORMATION PROVIDED BY THE CREDIT UNION. UPON COMPLETION, THE PRESIDENT IS RESPONSIBLE FOR REVIEWING THE RETURN BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING VARIOUS INFORMATION, INCLUDING SALARY SURVEYS. 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. BOARD DECISIONS ARE DOCUMENTED IN THE 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 11
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/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt037432225
IRS990/TotalAssetsEOYAmt038650710
IRS990/TotalAssetsGrp/BOYAmt037432225
IRS990/TotalAssetsGrp/EOYAmt038650710
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/TotalAmt01597381
IRS990/TotalGrossUBIAmt019444
IRS990/TotalLiabilitiesBOYAmt034149523
IRS990/TotalLiabilitiesEOYAmt035200626
IRS990/TotalLiabilitiesGrp/BOYAmt034149523
IRS990/TotalLiabilitiesGrp/EOYAmt035200626
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03282702
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03450084
IRS990/TotalOtherCompensationAmt018029
IRS990/TotalProgramServiceRevenueAmt01664757
IRS990/TotalReportableCompFromOrgAmt0177232
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01745319
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01764763
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019444
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037432225
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt038650710
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103921 OAKLAND AVE
IRS990/USAddress/City0ST JOSEPH
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode064506
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.YOURPCCU.ORG
IRS990/WhistleblowerPolicyInd00
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES SPAFFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162795656
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine10POSTAL & COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0POST
ReturnHeader/Filer/EIN0431546494
ReturnHeader/Filer/PhoneNum08162795656
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 8035
ReturnHeader/Filer/USAddress/City0ST JOSEPH
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode0645088035
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02014-11-13T10:48:28-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$38,650,710
Liabilities
$35,200,626
Net assets
$3,450,084
Revenue
$1,764,763
Expenses
$1,597,381
Net income
$167,382
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