Civic Intelligence

Postal & Community Credit Union

990 • Fiscal year 2016 • EIN 43-1546494

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 10, 2017

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

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

63rd percentile

22.14x

Higher debt load relative to revenue than 63% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

20th percentile

1.5%

Higher net margin than 20% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

90th percentile

$141,383

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 7.7% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

62nd percentile

4.3%

Faster asset growth than 62% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

56th percentile

3.6%

Faster revenue growth than 56% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$44,373,171

Up $1,839,803 (+4.3%) from 2015

Net Assets

Up

$3,657,708

Up $26,725 (+0.7%) from 2015

Liabilities

Up

$40,715,463

Up $1,813,078 (+4.7%) from 2015

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin20th percentile

Revenue

Up

$1,839,077

Up $64,717 (+3.6%) from 2015

Expenses

Up

$1,812,352

Up $172,891 (+11%) from 2015

Net Income

Down

$26,725

Down $108,174 (-80%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth62nd 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

2016

Assets$44,373,171
Liabilities$40,715,463
Net Assets$3,657,708
Open 2016 Filing

Operations Trend

Revenue Growth56th percentile

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

2016

Revenue$1,839,077
Expenses$1,812,352
Net Income$26,725
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$1,839,077
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$27,391,759$29,073,094▲ $1,681,335
Savings and Temporary Cash Investments$12,978,493$13,022,521▲ $44,028
Rtn Earn Endowment Incm Other Fnds$3,630,983$3,657,708▲ $26,725
Land, Buildings, and Equipment, Net$908,974$879,190▼ $29,784
Cash and Non-Interest-Bearing Accounts$747,735$802,333▲ $54,598
Prepaid Expenses and Deferred Charges$63,621$129,340▲ $65,719
Accounts Receivable$27,612$32,776▲ $5,164
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$42,533,368$44,373,171▲ $1,839,803
Other Assets Total$415,174$433,917▲ $18,743
Liabilities
Other Liabilities$38,811,113$40,626,738▲ $1,815,625
Accounts Payable and Accrued Expenses$82,850$84,761▲ $1,911
Escrow Account Liability$8,422$3,964▼ $4,458
Total Liabilities$38,902,385$40,715,463▲ $1,813,078
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,630,983$3,657,708▲ $26,725
Total Liabilities and Net Assets / Fund Balance$42,533,368$44,373,171▲ $1,839,803

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$749,822$386,410$1,136,232
Equipment$54,359$468,746$523,105
Land$70,350-$70,350
Leasehold Improvements$4,659$13,989$18,648
Compensation and Service Providers
Top Officer Pay90th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SpaffordPresidentFT$117,602$23,781$141,383
Leslie TaylorVP-lendingFT$41,699-$41,699
Tina RyanVP-member ServicesFT$36,240-$36,240

Board Members and Trustees

NameTitle
Joe MistekChairperson
Richard PhillipsVice Chairperson
Bill SteeleBoard Member
Eunice KingBoard Member
Kathy RoachBoard Member
Patricia AtteberryBoard Member
Scott NeweyBoard Member
Kelly WalkerSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,701,010
Investment Income
$129,435
Other Revenue
$8,632
Change in Net Assets
$26,725
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,255,949
Salaries, Compensation, and Employee Benefits$556,403
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$499,100
Other Salaries and Wages---$268,597
Current Officers, Directors, Trustees, and Key Employees---$219,322
Information Technology---$87,042
Depreciation Depletion---$70,540
Occupancy---$56,731
Fees for Services Other---$53,613
Payroll Taxes---$36,957
Insurance---$33,010
Advertising---$31,255
Other Employee Benefits---$30,082
Fees for Services Accounting---$26,488
Other Expenses---$18,909
Fees for Services Legal---$11,643
All Other Expenses---$6,773
Pension Plan Contributions---$1,445
Total Functional Expenses$0$0$0$1,812,352
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$40,626,738
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 11B

“The president reviews the form 990 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. 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
James Spafford
Title
President
Phone
8162795656
Signed
2017-11-10
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
18
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
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 Appendix381 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/BOYAmt082850
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt084761
IRS990/AccountsReceivableGrp/BOYAmt027612
IRS990/AccountsReceivableGrp/EOYAmt032776
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/TotalAmt031255
IRS990/AllOtherExpensesGrp/TotalAmt06773
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JAMES SPAFFORD
IRS990/BooksInCareOfDetail/PhoneNum08162795656
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/PersonNm2KELLY WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICIA ATTEBERRY
IRS990/Form990PartVIISectionAGrp/PersonNm4EUNICE KING
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOTT NEWEY
IRS990/Form990PartVIISectionAGrp/PersonNm6BILL STEELE
IRS990/Form990PartVIISectionAGrp/PersonNm7KATHY ROACH
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES SPAFFORD
IRS990/Form990PartVIISectionAGrp/PersonNm9LESLIE TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm10TINA RYAN
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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/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP-MEMBER SERVICES
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt033010
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IRS990/InvestmentInJointVentureInd01
IRS990/IRPDocumentCnt01113
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0869145
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0908974
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0879190
IRS990/LandBldgEquipCostOrOtherBssAmt01748335
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IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
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.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt03657708
IRS990/NetUnrelatedBusTxblIncmAmt0-16405
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt056731
IRS990/OfficeExpensesGrp/TotalAmt0499100
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS & INTE
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
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IRS990/OtherExpensesGrp/TotalAmt186384
IRS990/OtherExpensesGrp/TotalAmt284509
IRS990/OtherExpensesGrp/TotalAmt318909
IRS990/OtherLiabilitiesGrp/BOYAmt038811113
IRS990/OtherLiabilitiesGrp/EOYAmt040626738
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt027391759
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt029073094
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt036957
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
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IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
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IRS990/ProfessionalFundraisingInd00
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01096915
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1584188
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01096915
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1584610
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219485
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0422
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt119485
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2016, THERE WERE 2,765 LOANS OUTSTANDING TOTALING $25,256,881.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $84,509 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0103790
IRS990/PYOtherExpensesAmt01103975
IRS990/PYOtherRevenueAmt09963
IRS990/PYProgramServiceRevenueAmt01660607
IRS990/PYRevenuesLessExpensesAmt0134899
IRS990/PYSalariesCompEmpBnftPaidAmt0535486
IRS990/PYTotalExpensesAmt01639461
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01774360
IRS990/ReconcilationRevenueExpnssAmt026725
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt08632
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt08632
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03630983
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03657708
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012978493
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013022521
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0749822
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0386410
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01136232
IRS990ScheduleD/EquipmentGrp/BookValueAmt054359
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0468746
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0523105
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt070350
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt070350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt04659
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt013989
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt018648
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt040626738
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/TotalBookValueLandBuildingsAmt0879190
IRS990ScheduleD/TotalLiabilityAmt040626738
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/ExplanationTxt3THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPENSATION COMMITTEE OF 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.
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/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt042533368
IRS990/TotalAssetsEOYAmt044373171
IRS990/TotalAssetsGrp/BOYAmt042533368
IRS990/TotalAssetsGrp/EOYAmt044373171
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/TotalAmt01812352
IRS990/TotalGrossUBIAmt019907
IRS990/TotalLiabilitiesBOYAmt038902385
IRS990/TotalLiabilitiesEOYAmt040715463
IRS990/TotalLiabilitiesGrp/BOYAmt038902385
IRS990/TotalLiabilitiesGrp/EOYAmt040715463
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03630983
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03657708
IRS990/TotalOtherCompensationAmt023781
IRS990/TotalProgramServiceRevenueAmt01701010
IRS990/TotalReportableCompFromOrgAmt0195541
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01819170
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01839077
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019907
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt042533368
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt044373171
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
IRS990/WrittenPolicyOrProcedureInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES SPAFFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162795656
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-10
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0F833D4313777CB96842A8180D2DBFCFD1CED2197
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02017-11-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm016:26:08
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431592217
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd066061
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/ReturnTs02017-11-10T16:26:27-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$44,373,171
Liabilities
$40,715,463
Net assets
$3,657,708
Revenue
$1,839,077
Expenses
$1,812,352
Net income
$26,725
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