Civic Intelligence

Members 1St Credit Union

EIN 43-6032141 • 501(c)14 • St Louis, MO

View Organization Page

Profile

Members 1st credit union assists its members through a wide assortment of products and services to make sound financial decisions that lead to their improved well-being.

4702 Mattis RoadSt Louis, MO 63128-2822

www.me1stcu.com

Siviq Scores

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

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

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

Liabilities / Revenue

62nd percentile

18.10x

Higher debt load relative to revenue than 62% of similar nonprofits.

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

Net Margin

73rd percentile

19%

Higher net margin than 73% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

69th percentile

3.0%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Revenue Growth

71st percentile

18%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2024

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$68,913,881

Up $6,744,175 (+11%) from 2023

Liabilities

Up

$62,492,420

Up $6,091,998 (+11%) from 2023

Net Assets

Up

$6,421,461

Up $652,177 (+11%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin73rd percentile

Revenue

Up

$3,452,316

Up $807,667 (+31%) from 2023

Expenses

Up

$2,800,139

Up $593,482 (+27%) from 2023

Net Income

Up

$652,177

Up $214,185 (+49%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$80M$60M$40M$20M$0Assets 2010: $22,795,627Liabilities 2010: $20,994,810Net Assets 2010: $1,800,8172010Assets 2011: $24,658,595Liabilities 2011: $22,816,280Net Assets 2011: $1,842,3152011Assets 2012: $25,468,813Liabilities 2012: $23,671,936Net Assets 2012: $1,796,8772012Assets 2013: $24,911,171Liabilities 2013: $22,999,554Net Assets 2013: $1,911,6172013Assets 2014: $25,311,666Liabilities 2014: $23,214,754Net Assets 2014: $2,096,9122014Assets 2015: $40,200,635Liabilities 2015: $36,763,231Net Assets 2015: $3,437,4042015Assets 2016: $41,471,768Liabilities 2016: $37,781,683Net Assets 2016: $3,690,0852016Assets 2017: $42,403,448Liabilities 2017: $38,460,529Net Assets 2017: $3,942,9192017Assets 2018: $44,995,937Liabilities 2018: $40,782,683Net Assets 2018: $4,213,2542018Assets 2019: $47,946,298Liabilities 2019: $43,457,228Net Assets 2019: $4,489,0702019Assets 2020: $57,082,521Liabilities 2020: $52,262,330Net Assets 2020: $4,820,1912020Assets 2021: $63,079,165Liabilities 2021: $57,993,682Net Assets 2021: $5,085,4832021Assets 2022: $65,764,659Liabilities 2022: $60,433,367Net Assets 2022: $5,331,2922022Assets 2023: $62,169,706Liabilities 2023: $56,400,422Net Assets 2023: $5,769,2842023Assets 2024: $68,913,881Liabilities 2024: $62,492,420Net Assets 2024: $6,421,4612024

Highlighted filing

2024

Assets$68,913,881
Liabilities$62,492,420
Net Assets$6,421,461
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,188,4452010Expenses 2011: $1,142,4612011Expenses 2012: $1,055,4422012Revenue 2013: $1,006,820Expenses 2013: $892,080Net Income 2013: $114,7402013Revenue 2014: $1,091,784Expenses 2014: $906,489Net Income 2014: $185,2952014Revenue 2015: $1,211,080Expenses 2015: $1,095,906Net Income 2015: $115,1742015Revenue 2016: $1,624,078Expenses 2016: $1,396,397Net Income 2016: $227,6812016Revenue 2017: $1,800,412Expenses 2017: $1,547,578Net Income 2017: $252,8342017Revenue 2018: $1,955,599Expenses 2018: $1,685,264Net Income 2018: $270,3352018Revenue 2019: $2,234,867Expenses 2019: $1,959,051Net Income 2019: $275,8162019Revenue 2020: $2,142,947Expenses 2020: $1,811,826Net Income 2020: $331,1212020Revenue 2021: $2,084,216Expenses 2021: $1,818,924Net Income 2021: $265,2922021Revenue 2022: $2,134,914Expenses 2022: $1,889,105Net Income 2022: $245,8092022Revenue 2023: $2,644,649Expenses 2023: $2,206,657Net Income 2023: $437,9922023Revenue 2024: $3,452,316Expenses 2024: $2,800,139Net Income 2024: $652,1772024

Highlighted filing

2024

Revenue$3,452,316
Expenses$2,800,139
Net Income$652,177
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$68,913,881
Liabilities
$62,492,420
Net assets
$6,421,461
Revenue
$3,452,316
Expenses
$2,800,139
Net income
$652,177
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.9$62.5$6.42$3.45$2.80$0.65
2023Detailed filing. Detailed filing data is available for this year.$62.2$56.4$5.77$2.64$2.21$0.44
2022Detailed filing. Detailed filing data is available for this year.$65.8$60.4$5.33$2.13$1.89$0.25
2021Detailed filing. Detailed filing data is available for this year.$63.1$58.0$5.09$2.08$1.82$0.27
2020Detailed filing. Detailed filing data is available for this year.$57.1$52.3$4.82$2.14$1.81$0.33
2019Detailed filing. Detailed filing data is available for this year.$47.9$43.5$4.49$2.23$1.96$0.28
2018Detailed filing. Detailed filing data is available for this year.$45.0$40.8$4.21$1.96$1.69$0.27
2017Detailed filing. Detailed filing data is available for this year.$42.4$38.5$3.94$1.80$1.55$0.25
2016Detailed filing. Detailed filing data is available for this year.$41.5$37.8$3.69$1.62$1.40$0.23
2015Detailed filing. Detailed filing data is available for this year.$40.2$36.8$3.44$1.21$1.10$0.12
2014Detailed filing. Detailed filing data is available for this year.$25.3$23.2$2.10$1.09$0.91$0.19
2013Detailed filing. Detailed filing data is available for this year.$24.9$23.0$1.91$1.01$0.89$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.5$23.7$1.80$1.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$22.8$1.84$1.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$21.0$1.80$1.19
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 10, 2025
Return Version
2024v5.2
Gross Receipts
$3,452,316
Mission and Program Overview

Mission

Members 1st credit union assists its members through a wide assortment of products and services to make sound financial decisions that lead to their improved well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$41,450,167$42,983,606▲ $1,533,439
Savings and Temporary Cash Investments$18,559,311$23,717,424▲ $5,158,113
Rtn Earn Endowment Incm Other Fnds$5,769,284$6,421,461▲ $652,177
Receivables From Officers Etc$529,077$544,632▲ $15,555
Cash and Non-Interest-Bearing Accounts$503,928$476,796▼ $27,132
Land, Buildings, and Equipment, Net$252,735$311,670▲ $58,935
Investments Other Securities$103,700$94,800▼ $8,900
Prepaid Expenses and Deferred Charges$47,308$37,354▼ $9,954
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$62,169,706$68,913,881▲ $6,744,175
Other Assets Total$723,480$747,599▲ $24,119
Liabilities
Other Liabilities$54,436,381$60,626,862▲ $6,190,481
Mortgage Notes Payable Secured by Investment Property$1,425,000$1,275,000▼ $150,000
Accounts Payable and Accrued Expenses$531,734$567,009▲ $35,275
Escrow Account Liability$7,307$23,549▲ $16,242
Total Liabilities$56,400,422$62,492,420▲ $6,091,998
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,769,284$6,421,461▲ $652,177
Total Liabilities and Net Assets / Fund Balance$62,169,706$68,913,881▲ $6,744,175

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$150,857$379,709$530,566
Equipment$49,628$332,829$382,457
Land$111,185-$111,185
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian EyestonePresidentFT$147,129$24,976$172,105

Board Members and Trustees

NameTitle
Michael LehmanChairman
Colin McpherronVice Chairman
Carolyn LorentzBoard Member
Jerry VinyardBoard Member
Karol CollinsBoard Member
Shawn YaegerBoard Member
Judith JuliusSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,436,566
Investment Income
$1,008,845
Other Revenue
$6,905
Change in Net Assets
$652,177
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,809,413
Salaries, Compensation, and Employee Benefits$990,726
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$660,469
Office Expenses---$303,556
Information Technology---$258,914
Current Officers, Directors, Trustees, and Key Employees---$172,501
Other Employee Benefits---$74,203
Interest---$65,227
Advertising---$60,510
Payroll Taxes---$60,436
Occupancy---$60,357
Depreciation Depletion---$40,438
Fees for Services Other---$40,302
Conferences and Meetings---$31,925
All Other Expenses---$31,757
Fees for Services Accounting---$24,770
Pension Plan Contributions---$23,117
Insurance---$22,907
Other Expenses---$13,191
Fees for Services Legal---$5,314
Fees for Service Investment Mgmnt Fees---$1,389
Total Functional Expenses$0$0$0$2,800,139
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
Yes
Subject to proxy tax
No

Section 527 Organizations

OrganizationLocationAmount
43-1310069Jefferson City, MO$500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$529,077$544,632▲ $15,555
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$60,626,862
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
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 gathers information for an outside accounting firm to prepare the form 990 and provides the completed return to the board of directors.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis, all board members and senior management are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

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

“The board of directors reviews and approves the president's compensation and the president signs a letter of understanding. All other employees' compensation is determined by the president and is included in the budget presented to the board 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
Members 1st Credit Union
EIN
43-6032141
Phone
3144875628
Address
4702 MATTIS ROAD, ST LOUIS, MO 63128-2822

Signing Officer

Name
Brian Eyestone
Title
President
Phone
3144875628
Signed
2025-09-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Eyestone
Formed
1951
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 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans.”

Raw XML AppendixShowing 400 of 407 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/BOYAmt0531734
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0567009
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0MEMBERS 1ST CREDIT UNION ASSISTS ITS MEMBERS THROUGH A WIDE ASSORTMENT OF PRODUCTS AND SERVICES TO MAKE SOUND FINANCIAL DECISIONS THAT LEAD TO THEIR IMPROVED WELL-BEING.
IRS990/AdvertisingGrp/TotalAmt060510
IRS990/AllOtherExpensesGrp/TotalAmt031757
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0BRIAN EYESTONE
IRS990/BooksInCareOfDetail/PhoneNum03144875628
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04702 MATTIS ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0ST LOUIS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0631282822
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0503928
IRS990/CashNonInterestBearingGrp/EOYAmt0476796
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0172501
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt031925
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01008845
IRS990/CYOtherExpensesAmt01809413
IRS990/CYOtherRevenueAmt06905
IRS990/CYProgramServiceRevenueAmt02436566
IRS990/CYRevenuesLessExpensesAmt0652177
IRS990/CYSalariesCompEmpBnftPaidAmt0990726
IRS990/CYTotalExpensesAmt02800139
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03452316
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt040438
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 4,220 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt017
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt07307
IRS990/EscrowAccountLiabilityGrp/EOYAmt023549
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt024770
IRS990/FeesForServicesLegalGrp/TotalAmt05314
IRS990/FeesForServicesOtherGrp/TotalAmt040302
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt01389
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt748.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt7396
IRS990/Form990PartVIISectionAGrp/PersonNm0MICHAEL LEHMAN
IRS990/Form990PartVIISectionAGrp/PersonNm1COLIN MCPHERRON
IRS990/Form990PartVIISectionAGrp/PersonNm2JUDITH JULIUS
IRS990/Form990PartVIISectionAGrp/PersonNm3KAROL COLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROLYN LORENTZ
IRS990/Form990PartVIISectionAGrp/PersonNm5JERRY VINYARD
IRS990/Form990PartVIISectionAGrp/PersonNm6SHAWN YAEGER
IRS990/Form990PartVIISectionAGrp/PersonNm7BRIAN EYESTONE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7160543
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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01951
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03452316
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0258914
IRS990/InsuranceGrp/TotalAmt022907
IRS990/InterestGrp/TotalAmt065227
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01008845
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01008845
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0103700
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt094800
IRS990/IRPDocumentCnt01330
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0712538
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0252735
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0311670
IRS990/LandBldgEquipCostOrOtherBssAmt01024208
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0MEMBERS 1ST CREDIT UNION ASSISTS ITS MEMBERS THROUGH A WIDE ASSORTMENT OF PRODUCTS AND SERVICES TO MAKE SOUND FINANCIAL DECISIONS THAT LEAD TO THEIR IMPROVED WELL-BEING.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt01425000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt01275000
IRS990/NetAssetsOrFundBalancesBOYAmt05769284
IRS990/NetAssetsOrFundBalancesEOYAmt06421461
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt060357
IRS990/OfficeExpensesGrp/TotalAmt0303556
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0723480
IRS990/OtherAssetsTotalGrp/EOYAmt0747599
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt074203
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2ASSOCIATION FEES, DUES
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0753112
IRS990/OtherExpensesGrp/TotalAmt179245
IRS990/OtherExpensesGrp/TotalAmt216499
IRS990/OtherExpensesGrp/TotalAmt313191
IRS990/OtherLiabilitiesGrp/BOYAmt054436381
IRS990/OtherLiabilitiesGrp/EOYAmt060626862
IRS990/OtherSalariesAndWagesGrp/TotalAmt0660469
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt041450167
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt042983606
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt060436
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt023117
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt047308
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt037354
IRS990/PrincipalOfficerNm0BRIAN EYESTONE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTIES & OTHER INS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01999373
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1432823
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01999373
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1433743
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23450
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0920
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13450
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 2,439 LOANS OUTSTANDING TOTALING $43,063,430, INCLUDING PARTICIPATIONS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $753,112 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0491023
IRS990/PYOtherExpensesAmt01272919
IRS990/PYOtherRevenueAmt06847
IRS990/PYProgramServiceRevenueAmt02146779
IRS990/PYRevenuesLessExpensesAmt0437992
IRS990/PYSalariesCompEmpBnftPaidAmt0933738
IRS990/PYTotalExpensesAmt02206657
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02644649
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0529077
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0544632
IRS990/ReconcilationRevenueExpnssAmt0652177
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt06905
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt06905
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05769284
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt06421461
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018559311
IRS990/SavingsAndTempCashInvstGrp/EOYAmt023717424
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0431310069
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CUPAC OF MISSOURI
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0500
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0223 MADISON STREET
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0JEFFERSON CITY
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0MO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd065101
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0150857
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0379709
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0530566
IRS990ScheduleD/EquipmentGrp/BookValueAmt049628
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0332829
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0382457
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0111185
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0111185
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt060626862
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0311670
IRS990ScheduleD/TotalLiabilityAmt060626862
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0147129
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount013414
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05608
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt05954
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BRIAN EYESTONE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0172105
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION. THE PRESIDENT SIGNS A LETTER OF UNDERSTANDING.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH BRIAN EYESTONE, PRESIDENT. SEE SCHEDULE L FOR THE RELATED LOAN OUTSTANDING AT DECEMBER 31, 2023.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0544632
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PURSUANT TO COLLATERAL ASSIGNMENT SPLIT-DOLLAR AGREEMENT WITH RECOURSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0BRIAN EYESTONE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt0544632
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 GATHERS INFORMATION FOR AN OUTSIDE ACCOUNTING FIRM TO PREPARE THE FORM 990 AND PROVIDES THE COMPLETED RETURN TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, ALL BOARD MEMBERS AND SENIOR MANAGEMENT ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION AND THE PRESIDENT SIGNS A LETTER OF UNDERSTANDING. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS INCLUDED IN THE BUDGET PRESENTED TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL 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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt062169706
IRS990/TotalAssetsEOYAmt068913881
IRS990/TotalAssetsGrp/BOYAmt062169706
IRS990/TotalAssetsGrp/EOYAmt068913881
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt02800139
IRS990/TotalGrossUBIAmt04370
IRS990/TotalLiabilitiesBOYAmt056400422
IRS990/TotalLiabilitiesEOYAmt062492420
IRS990/TotalLiabilitiesGrp/BOYAmt056400422
IRS990/TotalLiabilitiesGrp/EOYAmt062492420
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05769284
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06421461
IRS990/TotalOtherCompensationAmt0396
IRS990/TotalProgramServiceRevenueAmt02436566
IRS990/TotalReportableCompFromOrgAmt0160543
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03447946
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03452316
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04370
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt062169706
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt068913881
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04702 MATTIS ROAD
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631282822
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.ME1STCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRIAN EYESTONE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03144875628
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MEMBERS 1ST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MEMB
ReturnHeader/Filer/EIN0436032141
ReturnHeader/Filer/PhoneNum03144875628
ReturnHeader/Filer/USAddress/AddressLine1Txt04702 MATTIS ROAD
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631282822
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214

Document Assets

No mirrored PDF or thumbnail assets are attached yet.