Civic Intelligence

Lovers Lane Credit Union

EIN 43-6041925 • 501(c)14 • Saint Joseph, MO

Profile

Financial services to members

1502 S Belt Ste ASaint Joseph, MO 64507

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Siviq Scores

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

Liabilities / Assets

8th percentile

0.02x

Higher debt load relative to assets than 8% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

18th percentile

0.21x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

18th percentile

-17%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

27th percentile

-5.4%

Faster asset growth than 27% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

40th percentile

2.2%

Faster revenue growth than 40% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$7,478,626

Down $425,349 (-5.4%) from 2024

Liabilities

Down

$114,119

Down $9,414 (-7.6%) from 2024

Net Assets

Down

$7,364,507

Down $415,935 (-5.3%) from 2024

Operations
Liabilities / Revenue18th percentileNet Margin18th percentile

Revenue

Up

$544,295

Up $11,710 (+2.2%) from 2024

Expenses

Up

$634,489

Up $150,243 (+31%) from 2024

Net Income

Down

-$90,194

Down $138,533 (-287%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

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

$10M$5.0M$0Assets 2012: $4,282,207Liabilities 2012: $49,796Net Assets 2012: $4,232,4112012Assets 2013: $4,670,925Liabilities 2013: $55,534Net Assets 2013: $4,615,3912013Assets 2014: $5,127,937Liabilities 2014: $59,976Net Assets 2014: $5,067,9612014Assets 2015: $5,539,159Liabilities 2015: $63,943Net Assets 2015: $5,475,2162015Assets 2016: $5,743,386Liabilities 2016: $66,832Net Assets 2016: $5,676,5542016Assets 2017: $6,171,772Liabilities 2017: $75,792Net Assets 2017: $6,095,9802017Assets 2018: $6,718,005Liabilities 2018: $85,181Net Assets 2018: $6,632,8242018Assets 2019: $7,192,932Liabilities 2019: $95,571Net Assets 2019: $7,097,3612019Assets 2020: $7,807,539Liabilities 2020: $99,449Net Assets 2020: $7,708,0902020Assets 2021: $7,986,352Liabilities 2021: $94,704Net Assets 2021: $7,891,6482021Assets 2022: $8,802,367Liabilities 2022: $111,119Net Assets 2022: $8,691,2482022Assets 2023: $7,959,132Liabilities 2023: $96,587Net Assets 2023: $7,862,5452023Assets 2024: $7,903,975Liabilities 2024: $123,533Net Assets 2024: $7,780,4422024Assets 2025: $7,478,626Liabilities 2025: $114,119Net Assets 2025: $7,364,5072025

Highlighted filing

2025

Assets$7,478,626
Liabilities$114,119
Net Assets$7,364,507
Open 2025 Filing

Operations Trend

Revenue Growth40th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2012: $230,0542012Revenue 2013: $317,625Expenses 2013: $246,113Net Income 2013: $71,5122013Revenue 2014: $329,371Expenses 2014: $293,016Net Income 2014: $36,3552014Revenue 2015: $354,463Expenses 2015: $313,736Net Income 2015: $40,7272015Revenue 2016: $368,245Expenses 2016: $326,547Net Income 2016: $41,6982016Revenue 2017: $399,032Expenses 2017: $338,806Net Income 2017: $60,2262017Revenue 2018: $429,494Expenses 2018: $375,728Net Income 2018: $53,7662018Revenue 2019: $476,681Expenses 2019: $418,181Net Income 2019: $58,5002019Revenue 2020: $456,808Expenses 2020: $399,066Net Income 2020: $57,7422020Revenue 2021: $457,794Expenses 2021: $395,436Net Income 2021: $62,3582021Revenue 2022: $468,410Expenses 2022: $410,717Net Income 2022: $57,6932022Revenue 2023: $521,548Expenses 2023: $450,917Net Income 2023: $70,6312023Revenue 2024: $532,585Expenses 2024: $484,246Net Income 2024: $48,3392024Revenue 2025: $544,295Expenses 2025: $634,489Net Income 2025: -$90,1942025

Highlighted filing

2025

Revenue$544,295
Expenses$634,489
Net Income-$90,194
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,478,626
Liabilities
$114,119
Net assets
$7,364,507
Revenue
$544,295
Expenses
$634,489
Net income
-$90,194
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.48$0.11$7.36$0.54$0.63$0.09
2024Detailed filing. Detailed filing data is available for this year.$7.90$0.12$7.78$0.53$0.48$0.05
2023Detailed filing. Detailed filing data is available for this year.$7.96$0.10$7.86$0.52$0.45$0.07
2022Detailed filing. Detailed filing data is available for this year.$8.80$0.11$8.69$0.47$0.41$0.06
2021Detailed filing. Detailed filing data is available for this year.$7.99$0.09$7.89$0.46$0.40$0.06
2020Detailed filing. Detailed filing data is available for this year.$7.81$0.10$7.71$0.46$0.40$0.06
2019Detailed filing. Detailed filing data is available for this year.$7.19$0.10$7.10$0.48$0.42$0.06
2018Detailed filing. Detailed filing data is available for this year.$6.72$0.09$6.63$0.43$0.38$0.05
2017Detailed filing. Detailed filing data is available for this year.$6.17$0.08$6.10$0.40$0.34$0.06
2016Detailed filing. Detailed filing data is available for this year.$5.74$0.07$5.68$0.37$0.33$0.04
2015Detailed filing. Detailed filing data is available for this year.$5.54$0.06$5.48$0.35$0.31$0.04
2014Detailed filing. Detailed filing data is available for this year.$5.13$0.06$5.07$0.33$0.29$0.04
2013Detailed filing. Detailed filing data is available for this year.$4.67$0.06$4.62$0.32$0.25$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.28$0.05$4.23$0.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 20, 2026
Return Version
2025v4.0
Gross Receipts
$544,295
Mission and Program Overview

Mission

Financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$6,546,240$6,597,075▲ $50,835
Cap Stk Tr Prin Current Funds$6,719,939$6,432,121▼ $287,818
Rtn Earn Endowment Incm Other Fnds$1,060,503$932,386▼ $128,117
Savings and Temporary Cash Investments$1,177,679$732,811▼ $444,868
Cash and Non-Interest-Bearing Accounts$70,297$50,334▼ $19,963
Other Notes and Loans Receivable, Net$20,188$15,678▼ $4,510
Prepaid Expenses and Deferred Charges$7,825$12,459▲ $4,634
Receivables From Officers Etc$11,793$6,561▼ $5,232
Total Assets$7,903,975$7,478,626▼ $425,349
Other Assets Total$69,953$63,708▼ $6,245
Liabilities
Accounts Payable and Accrued Expenses$123,533$114,119▼ $9,414
Total Liabilities$123,533$114,119▼ $9,414
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,780,442$7,364,507▼ $415,935
Total Liabilities and Net Assets / Fund Balance$7,903,975$7,478,626▼ $425,349
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
WILLIAM EDDINS JrChairman
Cindy KelingDirector
Pam DrozdDirector
Sabrina DentonDirector
Tracy MccreaAsst Mgr
Roger RobbinsManager
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$536,237
Investment Income
$0
Other Revenue
$8,058
Change in Net Assets
$-90,194
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$507,861
Salaries, Compensation, and Employee Benefits$126,628
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$244,980--$244,980
Current Officers, Directors, Trustees, and Key Employees-$108,460-$108,460
Other Employee Benefits-$18,168-$18,168
Occupancy-$8,400-$8,400
Fees for Services Accounting-$4,200-$4,200
Other Expenses$165,587$2,880-$2,880
Conferences and Meetings-$1,920-$1,920
All Other Expenses-$777-$777
Travel-$763-$763
Total Functional Expenses$410,567$223,922$0$634,489
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$11,793$6,561▼ $5,232
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“Executive board is elected by vote of all members at annual meeting.”

Member election for additional members Part VI line 7A

“Board members are elected by the members present at the annual meeting.”

Form 990 governing body review Part VI line 11

“Form 990 is reviewed by the president prior to filing.”

CEO executive director top management comp Part VI line 15A

“Compensation is determined by a vote of the executive board.”

Other officer or key employee compensation Part VI line 15B

“Compensation is determined by a vote of the executive board.”

Governing documents etc available to public Part VI line 19

“Form 990 is available for review upon request.”

Filing and Contact Details

Filer

Filer Name
Lovers Lane Credit Union
EIN
43-6041925
In Care Of
% ROGER ROBBINS
Phone
8163644000
Address
1502 S BELT STE A, SAINT JOSEPH, MO 64507

Signing Officer

Name
Roger Robbins
Title
President
Phone
8163644000
Signed
2026-03-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Roger Robbins
Formed
1956
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
0
Employees
3

Preparer

Firm
Owens Certified Public Accounting
Address
110 N CONNECTICUT, King City, MO 64463
Preparer
Jody Owens
Phone
6604830247
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Net increase in member deposits during year”

Raw XML Appendix350 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.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN DAVIDSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CINDY WINGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3FRANK RANSEIER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4SABRINA DENTON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5MARK RICH
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXECUTIVE BOARD IS ELECTED BY VOTE OF ALL MEMBERS AT ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS ARE ELECTED BY THE MEMBERS PRESENT AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FORM 990 IS REVIEWED BY THE PRESIDENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION IS DETERMINED BY A VOTE OF THE EXECUTIVE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION IS DETERMINED BY A VOTE OF THE EXECUTIVE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORM 990 IS AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NET INCREASE IN MEMBER DEPOSITS DURING YEAR
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Explanation of other changes in net assets or fund balances Part XI line 9
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IRS990/TotalProgramServiceRevenueAmt0536237
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt0544295
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0544295
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07903975
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07478626
IRS990/TotReportableCompRltdOrgAmt00
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IRS990/TravelGrp/TotalAmt0763
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 8021
IRS990/USAddress/CityNm0Saint Joseph
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd064508
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROGER ROBBINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08163644000
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LOVERS LANE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LOVE
ReturnHeader/Filer/EIN0436041925
ReturnHeader/Filer/InCareOfNm0% ROGER ROBBINS
ReturnHeader/Filer/PhoneNum08163644000
ReturnHeader/Filer/USAddress/AddressLine1Txt01502 S BELT STE A
ReturnHeader/Filer/USAddress/CityNm0SAINT JOSEPH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261785374
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0OWENS CERTIFIED PUBLIC ACCOUNTING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0110 N CONNECTICUT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0King City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd064463
ReturnHeader/PreparerPersonGrp/PhoneNum06604830247
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JODY OWENS
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-20T16:03:04-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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