Civic Intelligence

Missouri Baptist Credit Union

EIN 43-6049725 • 501(c)14 • Jefferson City, MO

Profile

Missouri baptist credit union is a voluntary, cooperative, non-profit savings institution organized under missouri statutes for the purpose of encouraging savings among members, providing credit at a fair and reasonable rate and providing sound financial service that is responsive to its membership.

400 E High StreetJefferson City, MO 65101-3215

mobaptistcu.org

Siviq Scores

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

Liabilities / Assets

91st percentile

0.93x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

66th percentile

17.51x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

66th percentile

7.9%

Higher net margin than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

58th percentile

$64,073

Higher top officer pay than 58% of similar nonprofits.

Top officer pay equals 13.3% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

61st percentile

0.8%

Faster asset growth than 61% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

14%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Assets

Up

$9,059,714

Up $75,982 (+0.8%) from 2023

Liabilities

Up

$8,421,907

Up $38,191 (+0.5%) from 2023

Net Assets

Up

$637,807

Up $37,791 (+6.3%) from 2023

Revenue

Up

$480,894

Up $58,331 (+14%) from 2023

Expenses

Up

$443,103

Up $67,866 (+18%) from 2023

Net Income

Down

$37,791

Down $9,535 (-20%) from 2023

Trend Graphs

Balance Sheet Trend

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

$10M$5.0M$0Assets 2011: $6,025,570Liabilities 2011: $5,431,628Net Assets 2011: $593,9422011Assets 2012: $6,981,958Liabilities 2012: $6,411,842Net Assets 2012: $570,1162012Assets 2013: $6,726,901Liabilities 2013: $6,140,257Net Assets 2013: $586,6442013Assets 2014: $6,525,331Liabilities 2014: $5,969,863Net Assets 2014: $555,4682014Assets 2015: $6,517,471Liabilities 2015: $5,947,424Net Assets 2015: $570,0472015Assets 2016: $7,105,606Liabilities 2016: $6,501,856Net Assets 2016: $603,7502016Assets 2017: $7,872,639Liabilities 2017: $7,243,226Net Assets 2017: $629,4132017Assets 2018: $8,155,126Liabilities 2018: $7,511,533Net Assets 2018: $643,5932018Assets 2019: $8,681,361Liabilities 2019: $8,062,738Net Assets 2019: $618,6232019Assets 2020: $9,623,561Liabilities 2020: $9,097,013Net Assets 2020: $526,5482020Assets 2021: $9,032,465Liabilities 2021: $8,513,026Net Assets 2021: $519,4392021Assets 2022: $8,568,231Liabilities 2022: $8,015,541Net Assets 2022: $552,6902022Assets 2023: $8,983,732Liabilities 2023: $8,383,716Net Assets 2023: $600,0162023Assets 2024: $9,059,714Liabilities 2024: $8,421,907Net Assets 2024: $637,8072024

Highlighted filing

2024

Assets$9,059,714
Liabilities$8,421,907
Net Assets$637,807

Operations Trend

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

$600K$400K$200K$0-$200KExpenses 2011: $348,5042011Expenses 2012: $320,7342012Revenue 2013: $276,695Expenses 2013: $260,167Net Income 2013: $16,5282013Revenue 2014: $278,287Expenses 2014: $309,463Net Income 2014: -$31,1762014Revenue 2015: $292,795Expenses 2015: $278,216Net Income 2015: $14,5792015Revenue 2016: $316,347Expenses 2016: $282,644Net Income 2016: $33,7032016Revenue 2017: $370,557Expenses 2017: $344,894Net Income 2017: $25,6632017Revenue 2018: $416,792Expenses 2018: $377,030Net Income 2018: $39,7622018Revenue 2019: $428,928Expenses 2019: $453,898Net Income 2019: -$24,9702019Revenue 2020: $381,374Expenses 2020: $473,449Net Income 2020: -$92,0752020Revenue 2021: $349,098Expenses 2021: $356,207Net Income 2021: -$7,1092021Revenue 2022: $380,310Expenses 2022: $347,059Net Income 2022: $33,2512022Revenue 2023: $422,563Expenses 2023: $375,237Net Income 2023: $47,3262023Revenue 2024: $480,894Expenses 2024: $443,103Net Income 2024: $37,7912024

Highlighted filing

2024

Revenue$480,894
Expenses$443,103
Net Income$37,791

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.06$8.42$0.64$0.48$0.44$0.04
2023Detailed filing. Detailed filing data is available for this year.$8.98$8.38$0.60$0.42$0.38$0.05
2022Detailed filing. Detailed filing data is available for this year.$8.57$8.02$0.55$0.38$0.35$0.03
2021Detailed filing. Detailed filing data is available for this year.$9.03$8.51$0.52$0.35$0.36$0.01
2020Detailed filing. Detailed filing data is available for this year.$9.62$9.10$0.53$0.38$0.47$0.09
2019Detailed filing. Detailed filing data is available for this year.$8.68$8.06$0.62$0.43$0.45$0.02
2018Detailed filing. Detailed filing data is available for this year.$8.16$7.51$0.64$0.42$0.38$0.04
2017Detailed filing. Detailed filing data is available for this year.$7.87$7.24$0.63$0.37$0.34$0.03
2016Detailed filing. Detailed filing data is available for this year.$7.11$6.50$0.60$0.32$0.28$0.03
2015Detailed filing. Detailed filing data is available for this year.$6.52$5.95$0.57$0.29$0.28$0.01
2014Detailed filing. Detailed filing data is available for this year.$6.53$5.97$0.56$0.28$0.31$0.03
2013Detailed filing. Detailed filing data is available for this year.$6.73$6.14$0.59$0.28$0.26$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.98$6.41$0.57$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.03$5.43$0.59$0.35
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 5, 2025
Return Version
2024v5.2
Gross Receipts
$480,894
Mission and Program Overview

Mission

Missouri baptist credit union is a voluntary, cooperative, non-profit savings institution that is organized under missouri statutes for the purpose of encouraging savings among their members, providing credit at a fair and reasonable rate and providing sound financial service that is responsive to its membership.

Missouri baptist credit union is a voluntary, cooperative, non-profit savings institution organized under missouri statutes for the purpose of encouraging savings among members, providing credit at a fair and reasonable rate and providing sound financial service that is responsive to its membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,529,745$7,063,385▲ $533,640
Savings and Temporary Cash Investments$1,944,099$1,742,842▼ $201,257
Rtn Earn Endowment Incm Other Fnds$600,016$637,807▲ $37,791
Cash and Non-Interest-Bearing Accounts$379,480$107,257▼ $272,223
Prepaid Expenses and Deferred Charges$9,703$13,367▲ $3,664
Land, Buildings, and Equipment, Net$5,972$1,575▼ $4,397
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,983,732$9,059,714▲ $75,982
Other Assets Total$114,733$131,288▲ $16,555
Liabilities
Other Liabilities$8,353,958$8,210,193▼ $143,765
Accounts Payable and Accrued Expenses$29,758$211,714▲ $181,956
Total Liabilities$8,383,716$8,421,907▲ $38,191
Net Assets / Fund Balance
Total Net Assets Fund Balance$600,016$637,807▲ $37,791
Total Liabilities and Net Assets / Fund Balance$8,983,732$9,059,714▲ $75,982

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,575$46,869$48,444
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jenifer SeaverPresidentFT$60,092$3,981$64,073

Board Members and Trustees

NameTitle
Greg LandwehrChairman
Tricia AlbertsVice Chairman
Danielle SlocumBoard Member
Kelly MeyersBoard Member
Ken SatterfieldBoard Member
Mark DonnellBoard Member
Sharon Acree-faustoTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$447,696
Investment Income
$31,618
Other Revenue
$1,580
Change in Net Assets
$37,791
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$349,685
Salaries, Compensation, and Employee Benefits$93,418
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$65,544
Current Officers, Directors, Trustees, and Key Employees---$64,073
Other Salaries and Wages---$22,345
Information Technology---$20,868
Insurance---$10,650
Fees for Services Accounting---$10,176
Fees for Services Other---$9,163
Payroll Taxes---$6,394
Other Expenses---$4,778
Depreciation Depletion---$4,397
Interest---$4,299
Advertising---$3,979
Conferences and Meetings---$1,200
Travel---$865
All Other Expenses---$693
Pension Plan Contributions---$510
Other Employee Benefits---$96
Fees for Services Legal---$-1,619
Total Functional Expenses$0$0$0$443,103
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$8,210,193
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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

Along with the credit union president, the board chairman and secretary review the form 990.

Form 990, Part VI, Section B, Line 12

Board members are required to complete a conflict of interest disclosure form annually.

Form 990, Part VI, Section B, Line 15

The board of directors reviews the president's performance and sets compensation. All other employee compensation is determined by the president and presented as part of the budget package to the board of directors. The board's deliberations and decisions are documented in the 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
Missouri Baptist Credit Union
EIN
43-6049725
Phone
5736354428
Address
400 E HIGH STREET, JEFFERSON CITY, MO 65101-3215

Signing Officer

Name
Jenifer Seaver
Title
President
Phone
5736354428
Signed
2025-08-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jenifer Seaver
Formed
1963
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
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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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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0600
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 1,268 LOANS OUTSTANDING TOTALING $7,121,751.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $189,773 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt020458
IRS990/PYOtherExpensesAmt0272604
IRS990/PYOtherRevenueAmt02104
IRS990/PYProgramServiceRevenueAmt0400001
IRS990/PYRevenuesLessExpensesAmt047326
IRS990/PYSalariesCompEmpBnftPaidAmt0102633
IRS990/PYTotalExpensesAmt0375237
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0422563
IRS990/ReconcilationRevenueExpnssAmt037791
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt01580
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt01580
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0600016
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0637807
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01944099
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01742842
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt01575
IRS990ScheduleD/EquipmentGrp/DepreciationAmt046869
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt048444
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08210193
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01575
IRS990ScheduleD/TotalLiabilityAmt08210193
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/ExplanationTxt3ALONG WITH THE CREDIT UNION PRESIDENT, THE BOARD CHAIRMAN AND SECRETARY REVIEW THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD MEMBERS ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST DISCLOSURE FORM ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND SETS COMPENSATION. ALL OTHER EMPLOYEE COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE 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 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
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/TotalAssetsBOYAmt08983732
IRS990/TotalAssetsEOYAmt09059714
IRS990/TotalAssetsGrp/BOYAmt08983732
IRS990/TotalAssetsGrp/EOYAmt09059714
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0443103
IRS990/TotalGrossUBIAmt0600
IRS990/TotalLiabilitiesBOYAmt08383716
IRS990/TotalLiabilitiesEOYAmt08421907
IRS990/TotalLiabilitiesGrp/BOYAmt08383716
IRS990/TotalLiabilitiesGrp/EOYAmt08421907
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0600016
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0637807
IRS990/TotalOtherCompensationAmt03981
IRS990/TotalProgramServiceRevenueAmt0447696
IRS990/TotalReportableCompFromOrgAmt060092
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0480294
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0480894
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0600
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08983732
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt09059714
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0865
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0400 E HIGH STREET
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0651013215
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0MOBAPTISTCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JENIFER SEAVER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05736354428
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MISSOURI BAPTIST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MISS
ReturnHeader/Filer/EIN0436049725
ReturnHeader/Filer/PhoneNum05736354428
ReturnHeader/Filer/USAddress/AddressLine1Txt0400 E HIGH STREET
ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0651013215
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/PreparationDt02025-08-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-08-05T12:02:52-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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