Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
990 • Fiscal year 2014 • EIN 43-1546494
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
85th percentile
Higher debt load relative to assets than 85% of similar nonprofits.
Liabilities / Revenue
57th percentile
Higher debt load relative to revenue than 57% of similar nonprofits.
Net Margin
28th percentile
Higher net margin than 28% of similar nonprofits.
Top Officer Pay
82nd percentile
Higher top officer pay than 82% of similar nonprofits.
Top officer pay equals 7.3% of source-year revenue.
Asset Growth
76th percentile
Faster asset growth than 76% of similar nonprofits.
Revenue Growth
54th percentile
Faster revenue growth than 54% of similar nonprofits.
Assets
Up$40,482,563
Up $1,831,853 (+4.7%) from 2013
Net Assets
Up$3,496,084
Up $46,000 (+1.3%) from 2013
Liabilities
Up$36,986,479
Up $1,785,853 (+5.1%) from 2013
Revenue
Down$1,761,696
Down $3,067 (-0.2%) from 2013
Expenses
Up$1,715,696
Up $118,315 (+7.4%) from 2013
Net Income
Down$46,000
Down $121,382 (-73%) from 2013
To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $23,752,124 | $25,725,346 | ▲ $1,973,222 |
| Savings and Temporary Cash Investments | $12,518,292 | $12,493,005 | ▼ $25,287 |
| Rtn Earn Endowment Incm Other Fnds | $3,450,084 | $3,496,084 | ▲ $46,000 |
| Land, Buildings, and Equipment, Net | $969,947 | $944,399 | ▼ $25,548 |
| Cash and Non-Interest-Bearing Accounts | $949,027 | $855,990 | ▼ $93,037 |
| Prepaid Expenses and Deferred Charges | $69,470 | $62,382 | ▼ $7,088 |
| Accounts Receivable | $6,978 | $5,718 | ▼ $1,260 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $38,650,710 | $40,482,563 | ▲ $1,831,853 |
| Other Assets Total | $384,872 | $395,723 | ▲ $10,851 |
| Liabilities | |||
| Other Liabilities | $35,164,815 | $36,948,045 | ▲ $1,783,230 |
| Accounts Payable and Accrued Expenses | $30,950 | $31,123 | ▲ $173 |
| Escrow Account Liability | $4,861 | $7,311 | ▲ $2,450 |
| Total Liabilities | $35,200,626 | $36,986,479 | ▲ $1,785,853 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,450,084 | $3,496,084 | ▲ $46,000 |
| Total Liabilities and Net Assets / Fund Balance | $38,650,710 | $40,482,563 | ▲ $1,831,853 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $781,878 | $316,896 | $1,098,774 |
| Equipment | $92,171 | $568,632 | $660,803 |
| Land | $70,350 | - | $70,350 |
| Leasehold Improvements | $0 | $5,867 | $5,867 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| James Spafford | President | FT | $110,036 | $19,156 | $129,192 |
| Leslie Taylor | VP-lending | FT | $39,680 | - | $39,680 |
| Tina Ryan | VP-member Services | FT | $34,326 | - | $34,326 |
| Name | Title |
|---|---|
| Joe Mistek | Chairperson |
| Richard Phillips | Vice Chairperson |
| Bill Steele | Board Member |
| Bonnie Lowrance | Board Member |
| Eunice King | Board Member |
| Patricia Atteberry | Board Member |
| Kelly Walker | Secretary/treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,139,423 |
| Salaries, Compensation, and Employee Benefits | $576,273 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $497,847 |
| Other Salaries and Wages | - | - | - | $279,257 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $203,198 |
| Information Technology | - | - | - | $100,981 |
| Depreciation Depletion | - | - | - | $70,096 |
| Occupancy | - | - | - | $60,536 |
| Fees for Services Other | - | - | - | $55,906 |
| Other Employee Benefits | - | - | - | $52,466 |
| Other Expenses | - | - | - | $40,471 |
| Payroll Taxes | - | - | - | $39,817 |
| Fees for Services Accounting | - | - | - | $31,717 |
| Insurance | - | - | - | $30,514 |
| Advertising | - | - | - | $28,981 |
| Fees for Services Legal | - | - | - | $4,879 |
| Pension Plan Contributions | - | - | - | $1,535 |
| Conferences and Meetings | - | - | - | $541 |
| Interest | - | - | - | $360 |
| All Other Expenses | - | - | - | $-1,654 |
| Total Functional Expenses | $0 | $0 | $0 | $1,715,696 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share Deposits | $36,948,045 |
“The credit union is mutually owned by members.”
“The board of directors are elected by the credit union members.”
“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.”
“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.”
“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.”
“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.”
“The credit union maintains escrow accounts for insurance and taxes related to member real estate loans.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 30950 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 31123 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 6978 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 5718 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO 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/TotalAmt | 0 | 28981 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | -1654 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JAMES SPAFFORD |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8162795656 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3921 OAKLAND AVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ST JOSEPH |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 64506 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 949027 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 855990 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 203198 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 541 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 0 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 86833 |
| IRS990/CYOtherExpensesAmt | 0 | 1139423 |
| IRS990/CYOtherRevenueAmt | 0 | 11226 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1663637 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 46000 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 576273 |
| IRS990/CYTotalExpensesAmt | 0 | 1715696 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1761696 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 70096 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 9,837 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 19 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 4861 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 7311 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 31717 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 4879 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 55906 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.30 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 19156 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JOE MISTEK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RICHARD PHILLIPS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KELLY WALKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | PATRICIA ATTEBERRY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | BONNIE LOWRANCE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | EUNICE KING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | BILL STEELE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JAMES SPAFFORD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | LESLIE TAYLOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | TINA RYAN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 110036 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 39680 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 34326 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP-LENDING |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP-MEMBER SERVICES |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1928 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1761696 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 100981 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 30514 |
| IRS990/InterestGrp/TotalAmt | 0 | 360 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 86833 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 86833 |
| IRS990/InvestmentInJointVentureInd | 0 | 1 |
| IRS990/IRPDocumentCnt | 0 | 1057 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 891395 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 969947 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 944399 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1835794 |
| IRS990/LegalDomicileStateCd | 0 | MO |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3450084 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3496084 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -14835 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 60536 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 497847 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 384872 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 395723 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 52466 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 98159 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 76874 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 43215 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 40471 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 35164815 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 36948045 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 279257 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 23752124 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 25725346 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 39817 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1535 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 69470 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 62382 |
| IRS990/PrincipalOfficerNm | 0 | JAMES SPAFFORD |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1022810 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 624848 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1022810 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 625307 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 15520 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 459 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 15520 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 2,755 LOANS OUTSTANDING TOTALING $25,825,637. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $76,874 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 90852 |
| IRS990/PYOtherExpensesAmt | 0 | 1004066 |
| IRS990/PYOtherRevenueAmt | 0 | 9154 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1664757 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 167382 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 593315 |
| IRS990/PYTotalExpensesAmt | 0 | 1597381 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1764763 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 46000 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 11226 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 11226 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3450084 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3496084 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 12518292 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 12493005 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 781878 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 316896 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1098774 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 92171 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 568632 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 660803 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 70350 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 70350 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 5867 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 5867 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 36948045 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND TAXES RELATED TO MEMBER REAL ESTATE LOANS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part IV, Line 2b: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 944399 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 36948045 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 38650710 |
| IRS990/TotalAssetsEOYAmt | 0 | 40482563 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 38650710 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 40482563 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 19 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1715696 |
| IRS990/TotalGrossUBIAmt | 0 | 15979 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 35200626 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 36986479 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 35200626 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 36986479 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3450084 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3496084 |
| IRS990/TotalOtherCompensationAmt | 0 | 19156 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1663637 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 184042 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1745717 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1761696 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 15979 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 38650710 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 40482563 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3921 OAKLAND AVE |
| IRS990/USAddress/CityNm | 0 | ST JOSEPH |
| IRS990/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/USAddress/ZIPCd | 0 | 64506 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.YOURPCCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| IRS990/WrittenPolicyOrProcedureInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JAMES SPAFFORD |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8162795656 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-09-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | POSTAL & COMMUNITY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | POST |
| ReturnHeader/Filer/EIN | 0 | 431546494 |
| ReturnHeader/Filer/PhoneNum | 0 | 8162795656 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 8035 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | ST JOSEPH |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 645088035 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 431592217 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | J TENBRINK & ASSOCIATES |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 11272 S RIDGEVIEW RD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | OLATHE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 66061 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9138946214 |
| ReturnHeader/ReturnTs | 0 | 2015-09-09T13:04:16-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2014-12-31 |
| ReturnHeader/TaxYr | 0 | 2014 |
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Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.