Civic Intelligence

Patriot Credit Union

EIN 43-6034939 • 501(c)14 • St Louis, MO

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

4343 Telegraph RoadSt Louis, MO 63129-2648

www.patriotcu.com

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

64th percentile

17.76x

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

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

75th percentile

18%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

79th percentile

$107,929

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 14.1% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

22nd percentile

-4.7%

Faster asset growth than 22% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

74th percentile

14%

Faster revenue growth than 74% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$14,797,204

Down $729,930 (-4.7%) from 2023

Liabilities

Down

$13,569,269

Down $869,598 (-6.0%) from 2023

Net Assets

Up

$1,227,935

Up $139,668 (+13%) from 2023

Operations
Liabilities / Revenue64th percentileNet Margin75th percentile

Revenue

Up

$764,236

Up $93,982 (+14%) from 2023

Expenses

Up

$624,568

Up $149,164 (+31%) from 2023

Net Income

Down

$139,668

Down $55,182 (-28%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $6,175,791Liabilities 2010: $5,559,973Net Assets 2010: $615,8182010Assets 2011: $6,460,496Liabilities 2011: $5,839,248Net Assets 2011: $621,2482011Assets 2012: $6,961,348Liabilities 2012: $6,320,364Net Assets 2012: $640,9842012Assets 2013: $7,574,143Liabilities 2013: $6,936,888Net Assets 2013: $637,2552013Assets 2014: $7,662,940Liabilities 2014: $7,021,889Net Assets 2014: $641,0512014Assets 2015: $8,872,486Liabilities 2015: $8,218,033Net Assets 2015: $654,4532015Assets 2016: $9,416,607Liabilities 2016: $8,753,257Net Assets 2016: $663,3502016Assets 2017: $9,602,485Liabilities 2017: $8,929,838Net Assets 2017: $672,6472017Assets 2018: $9,875,370Liabilities 2018: $9,182,411Net Assets 2018: $692,9592018Assets 2019: $10,391,994Liabilities 2019: $9,639,907Net Assets 2019: $752,0872019Assets 2020: $11,644,345Liabilities 2020: $10,823,283Net Assets 2020: $821,0622020Assets 2021: $13,796,960Liabilities 2021: $12,941,123Net Assets 2021: $855,8372021Assets 2022: $14,669,839Liabilities 2022: $13,776,422Net Assets 2022: $893,4172022Assets 2023: $15,527,134Liabilities 2023: $14,438,867Net Assets 2023: $1,088,2672023Assets 2024: $14,797,204Liabilities 2024: $13,569,269Net Assets 2024: $1,227,9352024

Highlighted filing

2024

Assets$14,797,204
Liabilities$13,569,269
Net Assets$1,227,935
Open 2024 Filing

Operations Trend

Revenue Growth74th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $311,0532010Expenses 2011: $305,9932011Expenses 2012: $291,3002012Revenue 2013: $283,407Expenses 2013: $287,136Net Income 2013: -$3,7292013Revenue 2014: $295,760Expenses 2014: $291,964Net Income 2014: $3,7962014Revenue 2015: $323,220Expenses 2015: $309,818Net Income 2015: $13,4022015Revenue 2016: $341,547Expenses 2016: $332,650Net Income 2016: $8,8972016Revenue 2017: $346,687Expenses 2017: $337,390Net Income 2017: $9,2972017Revenue 2018: $404,179Expenses 2018: $383,867Net Income 2018: $20,3122018Revenue 2019: $476,805Expenses 2019: $417,677Net Income 2019: $59,1282019Revenue 2020: $443,233Expenses 2020: $374,258Net Income 2020: $68,9752020Revenue 2021: $470,730Expenses 2021: $435,955Net Income 2021: $34,7752021Revenue 2022: $490,910Expenses 2022: $453,330Net Income 2022: $37,5802022Revenue 2023: $670,254Expenses 2023: $475,404Net Income 2023: $194,8502023Revenue 2024: $764,236Expenses 2024: $624,568Net Income 2024: $139,6682024

Highlighted filing

2024

Revenue$764,236
Expenses$624,568
Net Income$139,668
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,797,204
Liabilities
$13,569,269
Net assets
$1,227,935
Revenue
$764,236
Expenses
$624,568
Net income
$139,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$14.8$13.6$1.23$0.76$0.62$0.14
2023Detailed filing. Detailed filing data is available for this year.$15.5$14.4$1.09$0.67$0.48$0.19
2022Detailed filing. Detailed filing data is available for this year.$14.7$13.8$0.89$0.49$0.45$0.04
2021Detailed filing. Detailed filing data is available for this year.$13.8$12.9$0.86$0.47$0.44$0.03
2020Detailed filing. Detailed filing data is available for this year.$11.6$10.8$0.82$0.44$0.37$0.07
2019Detailed filing. Detailed filing data is available for this year.$10.4$9.64$0.75$0.48$0.42$0.06
2018Detailed filing. Detailed filing data is available for this year.$9.88$9.18$0.69$0.40$0.38$0.02
2017Detailed filing. Detailed filing data is available for this year.$9.60$8.93$0.67$0.35$0.34$0.01
2016Detailed filing. Detailed filing data is available for this year.$9.42$8.75$0.66$0.34$0.33$0.01
2015Detailed filing. Detailed filing data is available for this year.$8.87$8.22$0.65$0.32$0.31$0.01
2014Detailed filing. Detailed filing data is available for this year.$7.66$7.02$0.64$0.30$0.29$0.00
2013Detailed filing. Detailed filing data is available for this year.$7.57$6.94$0.64$0.28$0.29$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.96$6.32$0.64$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.46$5.84$0.62$0.31
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.18$5.56$0.62$0.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 21, 2025
Return Version
2024v5.2
Gross Receipts
$764,236
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$13,528,600$13,648,484▲ $119,884
Rtn Earn Endowment Incm Other Fnds$1,088,267$1,227,935▲ $139,668
Savings and Temporary Cash Investments$1,618,991$791,948▼ $827,043
Cash and Non-Interest-Bearing Accounts$143,423$117,015▼ $26,408
Land, Buildings, and Equipment, Net$14,188$15,958▲ $1,770
Prepaid Expenses and Deferred Charges$11,555$13,727▲ $2,172
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$15,527,134$14,797,204▼ $729,930
Other Assets Total$210,377$210,072▼ $305
Liabilities
Other Liabilities$14,408,115$13,547,735▼ $860,380
Accounts Payable and Accrued Expenses$30,752$21,534▼ $9,218
Total Liabilities$14,438,867$13,569,269▼ $869,598
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,088,267$1,227,935▲ $139,668
Total Liabilities and Net Assets / Fund Balance$15,527,134$14,797,204▼ $729,930

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$15,958$164,154$180,112
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peter ErbeManagerFT$99,071$8,858$107,929

Board Members and Trustees

NameTitle
Zachary RasurePresident
Nancee ZimmersVice President
Alex SchummDirector
Anne TouzinskyDirector
Joe LampertDirector
Michael BeffaDirector
Al MilnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$717,251
Investment Income
$46,985
Other Revenue
$0
Change in Net Assets
$139,668
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$439,455
Salaries, Compensation, and Employee Benefits$185,113
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$168,904
Current Officers, Directors, Trustees, and Key Employees---$107,929
Fees for Services Other---$78,471
Other Salaries and Wages---$64,663
Occupancy---$30,490
All Other Expenses---$12,839
Payroll Taxes---$12,521
Other Expenses---$7,676
Fees for Services Accounting---$6,075
Advertising---$2,531
Conferences and Meetings---$2,275
Total Functional Expenses$0$0$0$624,568
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$13,547,735
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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 such as mergers and changes to 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 manager reviews the form 990 and provides it to the board of directors.”

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

“The board of directors reviews and approves all compensation, including the manager's, as part of the budget review process. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“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
Patriot Credit Union
EIN
43-6034939
Phone
3148926325
Address
4343 TELEGRAPH ROAD, ST LOUIS, MO 63129-2648

Signing Officer

Name
Alexander Schumm
Title
Manager
Phone
3148926325
Signed
2025-10-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Alexander Schumm
Formed
1958
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
0

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“OTHER 78,471.”

Raw XML Appendix331 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/BOYAmt030752
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt021534
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/TotalAmt02531
IRS990/AllOtherExpensesGrp/TotalAmt012839
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ALEXANDR SCHUMM
IRS990/BooksInCareOfDetail/PhoneNum03148926325
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04343 TELEGRAPH ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0ST LOUIS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0631292648
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0143423
IRS990/CashNonInterestBearingGrp/EOYAmt0117015
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0107929
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt02275
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt046985
IRS990/CYOtherExpensesAmt0439455
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0717251
IRS990/CYRevenuesLessExpensesAmt0139668
IRS990/CYSalariesCompEmpBnftPaidAmt0185113
IRS990/CYTotalExpensesAmt0624568
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0764236
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,761 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt06075
IRS990/FeesForServicesOtherGrp/TotalAmt078471
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/AverageHoursPerWeekRt740.00
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/OtherCompensationAmt78858
IRS990/Form990PartVIISectionAGrp/PersonNm0ZACHARY RASURE
IRS990/Form990PartVIISectionAGrp/PersonNm1NANCEE ZIMMERS
IRS990/Form990PartVIISectionAGrp/PersonNm2AL MILNER
IRS990/Form990PartVIISectionAGrp/PersonNm3JOE LAMPERT
IRS990/Form990PartVIISectionAGrp/PersonNm4MICHAEL BEFFA
IRS990/Form990PartVIISectionAGrp/PersonNm5ANNE TOUZINSKY
IRS990/Form990PartVIISectionAGrp/PersonNm6ALEX SCHUMM
IRS990/Form990PartVIISectionAGrp/PersonNm7PETER ERBE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt799071
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/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01958
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0764236
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt046985
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt046985
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0441
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0164154
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014188
IRS990/LandBldgEquipBasisNetGrp/EOYAmt015958
IRS990/LandBldgEquipCostOrOtherBssAmt0180112
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
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/NetAssetsOrFundBalancesBOYAmt01088267
IRS990/NetAssetsOrFundBalancesEOYAmt01227935
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt030490
IRS990/OfficeExpensesGrp/TotalAmt0168904
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0210377
IRS990/OtherAssetsTotalGrp/EOYAmt0210072
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3CREDIT UNION FRANCHISE
IRS990/OtherExpensesGrp/TotalAmt072157
IRS990/OtherExpensesGrp/TotalAmt149234
IRS990/OtherExpensesGrp/TotalAmt28803
IRS990/OtherExpensesGrp/TotalAmt37676
IRS990/OtherLiabilitiesGrp/BOYAmt014408115
IRS990/OtherLiabilitiesGrp/EOYAmt013547735
IRS990/OtherSalariesAndWagesGrp/TotalAmt064663
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013528600
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013648484
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt012521
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011555
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt013727
IRS990/PrincipalOfficerNm0ALEXANDER SCHUMM
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0599746
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1117505
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0599746
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1117505
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 609 LOANS OUTSTANDING TOTALING $13,452,876.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $72,157 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt061059
IRS990/PYOtherExpensesAmt0296886
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0609195
IRS990/PYRevenuesLessExpensesAmt0194850
IRS990/PYSalariesCompEmpBnftPaidAmt0178518
IRS990/PYTotalExpensesAmt0475404
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0670254
IRS990/ReconcilationRevenueExpnssAmt0139668
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01088267
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01227935
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01618991
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0791948
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt015958
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0164154
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0180112
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013547735
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015958
IRS990ScheduleD/TotalLiabilityAmt013547735
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 SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MANAGER REVIEWS THE FORM 990 AND PROVIDES IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES ALL COMPENSATION, INCLUDING THE MANAGER'S, AS PART OF THE BUDGET REVIEW PROCESS. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OTHER 78,471.
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt015527134
IRS990/TotalAssetsEOYAmt014797204
IRS990/TotalAssetsGrp/BOYAmt015527134
IRS990/TotalAssetsGrp/EOYAmt014797204
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0624568
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014438867
IRS990/TotalLiabilitiesEOYAmt013569269
IRS990/TotalLiabilitiesGrp/BOYAmt014438867
IRS990/TotalLiabilitiesGrp/EOYAmt013569269
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01088267
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01227935
IRS990/TotalOtherCompensationAmt08858
IRS990/TotalProgramServiceRevenueAmt0717251
IRS990/TotalReportableCompFromOrgAmt099071
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0764236
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0764236
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015527134
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt014797204
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04343 TELEGRAPH ROAD
IRS990/USAddress/CityNm0ST LOUIS
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0631292648
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PATRIOTCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ALEXANDER SCHUMM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03148926325
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PATRIOT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0PATR
ReturnHeader/Filer/EIN0436034939
ReturnHeader/Filer/PhoneNum03148926325
ReturnHeader/Filer/USAddress/AddressLine1Txt04343 TELEGRAPH ROAD
ReturnHeader/Filer/USAddress/CityNm0ST LOUIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0631292648
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
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-21
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-10-21T14:42:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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