Civic Intelligence

Postal & Community Credit Union

990 • Fiscal year 2017 • EIN 43-1546494

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 19, 2018

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

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

64th percentile

22.31x

Higher debt load relative to revenue than 64% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

72nd percentile

14%

Higher net margin than 72% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

88th percentile

$144,336

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

90th percentile

9.0%

Faster asset growth than 90% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

67th percentile

8.3%

Faster revenue growth than 67% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$48,378,550

Up $4,005,379 (+9.0%) from 2016

Net Assets

Up

$3,937,237

Up $279,529 (+7.6%) from 2016

Liabilities

Up

$44,441,313

Up $3,725,850 (+9.2%) from 2016

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin72nd percentile

Revenue

Up

$1,991,885

Up $152,808 (+8.3%) from 2016

Expenses

Down

$1,712,356

Down $99,996 (-5.5%) from 2016

Net Income

Up

$279,529

Up $252,804 (+946%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth90th 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

2017

Assets$48,378,550
Liabilities$44,441,313
Net Assets$3,937,237
Open 2017 Filing

Operations Trend

Revenue Growth67th 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

2017

Revenue$1,991,885
Expenses$1,712,356
Net Income$279,529
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 19, 2018
Return Version
2017v2.3
Gross Receipts
$1,991,885
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$29,073,094$29,857,980▲ $784,886
Savings and Temporary Cash Investments$13,022,521$16,109,202▲ $3,086,681
Rtn Earn Endowment Incm Other Fnds$3,657,708$3,937,237▲ $279,529
Cash and Non-Interest-Bearing Accounts$802,333$897,182▲ $94,849
Land, Buildings, and Equipment, Net$879,190$895,398▲ $16,208
Prepaid Expenses and Deferred Charges$129,340$136,193▲ $6,853
Accounts Receivable$32,776$25,181▼ $7,595
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$44,373,171$48,378,550▲ $4,005,379
Other Assets Total$433,917$457,414▲ $23,497
Liabilities
Other Liabilities$40,626,738$44,352,249▲ $3,725,511
Accounts Payable and Accrued Expenses$84,761$82,930▼ $1,831
Escrow Account Liability$3,964$6,134▲ $2,170
Total Liabilities$40,715,463$44,441,313▲ $3,725,850
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,657,708$3,937,237▲ $279,529
Total Liabilities and Net Assets / Fund Balance$44,373,171$48,378,550▲ $4,005,379

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$745,550$423,762$1,169,312
Equipment$76,851$479,813$556,664
Land$70,350-$70,350
Leasehold Improvements$2,647$26,577$29,224
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
James SpaffordPresidentFT$116,067$28,269$144,336
Leslie TaylorVP-lendingFT$42,172$10,750$52,922
Tina RyanVP-member ServicesFT$36,240$9,670$45,910

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,768,795
Investment Income
$214,897
Other Revenue
$8,193
Change in Net Assets
$279,529
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,143,548
Salaries, Compensation, and Employee Benefits$568,808
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$501,580
Other Salaries and Wages---$274,346
Current Officers, Directors, Trustees, and Key Employees---$243,168
Information Technology---$109,750
Depreciation Depletion---$68,574
Occupancy---$55,406
Fees for Services Other---$53,187
Payroll Taxes---$35,699
Insurance---$34,234
Fees for Services Accounting---$28,033
Other Expenses---$18,587
Other Employee Benefits---$15,595
Advertising---$13,959
Fees for Services Legal---$4,666
All Other Expenses---$1,092
Conferences and Meetings---$49
Interest---$9
Total Functional Expenses$0$0$0$1,712,356
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$44,352,249
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

“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 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
2018-10-19
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
17
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061
Preparer
Jerry 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 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt084761
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt082930
IRS990/AccountsReceivableGrp/BOYAmt032776
IRS990/AccountsReceivableGrp/EOYAmt025181
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/TotalAmt013959
IRS990/AllOtherExpensesGrp/TotalAmt01092
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JAMES SPAFFORD
IRS990/BooksInCareOfDetail/PhoneNum08162795656
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03921 OAKLAND AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0ST JOSEPH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0645064920
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0802333
IRS990/CashNonInterestBearingGrp/EOYAmt0897182
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0243168
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt049
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0214897
IRS990/CYOtherExpensesAmt01143548
IRS990/CYOtherRevenueAmt08193
IRS990/CYProgramServiceRevenueAmt01768795
IRS990/CYRevenuesLessExpensesAmt0279529
IRS990/CYSalariesCompEmpBnftPaidAmt0568808
IRS990/CYTotalExpensesAmt01712356
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01991885
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt068574
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 9,920 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt03964
IRS990/EscrowAccountLiabilityGrp/EOYAmt06134
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt028033
IRS990/FeesForServicesLegalGrp/TotalAmt04666
IRS990/FeesForServicesOtherGrp/TotalAmt053187
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.25
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt628269
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt710750
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt89670
IRS990/Form990PartVIISectionAGrp/PersonNm0JOE MISTEK
IRS990/Form990PartVIISectionAGrp/PersonNm1RICHARD PHILLIPS
IRS990/Form990PartVIISectionAGrp/PersonNm2KELLY WALKER
IRS990/Form990PartVIISectionAGrp/PersonNm3PATRICIA ATTEBERRY
IRS990/Form990PartVIISectionAGrp/PersonNm4BILL STEELE
IRS990/Form990PartVIISectionAGrp/PersonNm5SCOTT NEWEY
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES SPAFFORD
IRS990/Form990PartVIISectionAGrp/PersonNm7LESLIE TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm8TINA RYAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6116067
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt742172
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt836240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
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/TitleTxt6PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP-LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP-MEMBER SERVICES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01991885
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0109750
IRS990/InsuranceGrp/TotalAmt034234
IRS990/InterestGrp/TotalAmt09
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0214897
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0214897
IRS990/InvestmentInJointVentureInd01
IRS990/IRPDocumentCnt01171
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0930152
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0879190
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0895398
IRS990/LandBldgEquipCostOrOtherBssAmt01825550
IRS990/LegalDomicileStateCd0MO
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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03657708
IRS990/NetAssetsOrFundBalancesEOYAmt03937237
IRS990/NetUnrelatedBusTxblIncmAmt0-14947
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt055406
IRS990/OfficeExpensesGrp/TotalAmt0501580
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0433917
IRS990/OtherAssetsTotalGrp/EOYAmt0457414
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt015595
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS & INTE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0107409
IRS990/OtherExpensesGrp/TotalAmt1105352
IRS990/OtherExpensesGrp/TotalAmt241661
IRS990/OtherExpensesGrp/TotalAmt318587
IRS990/OtherLiabilitiesGrp/BOYAmt040626738
IRS990/OtherLiabilitiesGrp/EOYAmt044352249
IRS990/OtherSalariesAndWagesGrp/TotalAmt0274346
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt029073094
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt029857980
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt035699
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0129340
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0136193
IRS990/PrincipalOfficerNm0JAMES SPAFFORD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01134763
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1614629
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01134763
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1614892
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt219140
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0263
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt119140
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 2,712 LOANS OUTSTANDING TOTALING $29,981,732.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $107,409 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0129435
IRS990/PYOtherExpensesAmt01255949
IRS990/PYOtherRevenueAmt08632
IRS990/PYProgramServiceRevenueAmt01701010
IRS990/PYRevenuesLessExpensesAmt026725
IRS990/PYSalariesCompEmpBnftPaidAmt0556403
IRS990/PYTotalExpensesAmt01812352
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01839077
IRS990/ReconcilationRevenueExpnssAmt0279529
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt08193
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt08193
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03657708
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03937237
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013022521
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016109202
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0745550
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0423762
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01169312
IRS990ScheduleD/EquipmentGrp/BookValueAmt076851
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0479813
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0556664
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt070350
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt070350
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02647
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt026577
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt029224
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt044352249
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/TotalBookValueLandBuildingsAmt0895398
IRS990ScheduleD/TotalLiabilityAmt044352249
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/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 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/TotalAssetsBOYAmt044373171
IRS990/TotalAssetsEOYAmt048378550
IRS990/TotalAssetsGrp/BOYAmt044373171
IRS990/TotalAssetsGrp/EOYAmt048378550
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt01712356
IRS990/TotalGrossUBIAmt019403
IRS990/TotalLiabilitiesBOYAmt040715463
IRS990/TotalLiabilitiesEOYAmt044441313
IRS990/TotalLiabilitiesGrp/BOYAmt040715463
IRS990/TotalLiabilitiesGrp/EOYAmt044441313
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03657708
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03937237
IRS990/TotalOtherCompensationAmt048689
IRS990/TotalProgramServiceRevenueAmt01768795
IRS990/TotalReportableCompFromOrgAmt0194479
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01972482
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01991885
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019403
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt044373171
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt048378550
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES SPAFFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08162795656
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-10-19
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/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-10-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm012:35:34
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/PreparerPersonGrp/PreparerPersonNm0JERRY TENBRINK
ReturnHeader/ReturnTs02018-10-19T12:35:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$48,378,550
Liabilities
$44,441,313
Net assets
$3,937,237
Revenue
$1,991,885
Expenses
$1,712,356
Net income
$279,529
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