Civic Intelligence

Mercy Credit Union

990 • Fiscal year 2018 • EIN 43-6203095

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 11, 2019

1444 E SunshineSpringfield, MO 65804

(417) 820-2931

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

70th percentile

19.60x

Higher debt load relative to revenue than 70% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

42nd percentile

9.9%

Higher net margin than 42% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

14th percentile

$98,316

Higher top officer pay than 14% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Asset Growth

79th percentile

4.7%

Faster asset growth than 79% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

96th percentile

23%

Faster revenue growth than 96% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Assets

Up

$64,144,699

Up $2,905,907 (+4.7%) from 2017

Net Assets

Up

$5,771,474

Up $288,410 (+5.3%) from 2017

Liabilities

Up

$58,373,225

Up $2,617,497 (+4.7%) from 2017

Revenue

Up

$2,978,092

Up $556,302 (+23%) from 2017

Expenses

Up

$2,682,023

Up $399,495 (+18%) from 2017

Net Income

Up

$296,069

Up $156,807 (+113%) from 2017

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100M$50M$0Assets 2010: $36,669,039Liabilities 2010: $32,495,003Net Assets 2010: $4,174,0362010Assets 2011: $38,989,385Liabilities 2011: $34,559,637Net Assets 2011: $4,429,7482011Assets 2012: $44,299,847Liabilities 2012: $39,381,491Net Assets 2012: $4,918,3562012Assets 2013: $45,261,314Liabilities 2013: $40,510,759Net Assets 2013: $4,750,5552013Assets 2014: $47,938,540Liabilities 2014: $43,114,607Net Assets 2014: $4,823,9332014Assets 2015: $50,760,462Liabilities 2015: $45,909,265Net Assets 2015: $4,851,1972015Assets 2016: $59,255,805Liabilities 2016: $53,903,830Net Assets 2016: $5,351,9752016Assets 2017: $61,238,792Liabilities 2017: $55,755,728Net Assets 2017: $5,483,0642017Assets 2018: $64,144,699Liabilities 2018: $58,373,225Net Assets 2018: $5,771,4742018Assets 2019: $62,762,527Liabilities 2019: $56,566,569Net Assets 2019: $6,195,9582019Assets 2020: $77,564,166Liabilities 2020: $71,062,570Net Assets 2020: $6,501,5962020Assets 2021: $87,100,295Liabilities 2021: $80,437,599Net Assets 2021: $6,662,6962021Assets 2022: $86,452,306Liabilities 2022: $79,504,498Net Assets 2022: $6,947,8082022Assets 2023: $82,689,452Liabilities 2023: $74,520,031Net Assets 2023: $8,169,4212023Assets 2024: $82,562,351Liabilities 2024: $73,165,763Net Assets 2024: $9,396,5882024

Highlighted filing

2018

Assets$64,144,699
Liabilities$58,373,225
Net Assets$5,771,474

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,349,4142010Expenses 2011: $1,319,6672011Revenue 2012: $1,697,510Expenses 2012: $1,345,933Net Income 2012: $351,5772012Revenue 2013: $1,508,155Expenses 2013: $1,509,593Net Income 2013: -$1,4382013Revenue 2014: $1,578,710Expenses 2014: $1,564,611Net Income 2014: $14,0992014Revenue 2015: $1,801,414Expenses 2015: $1,755,462Net Income 2015: $45,9522015Revenue 2016: $2,210,605Expenses 2016: $2,087,801Net Income 2016: $122,8042016Revenue 2017: $2,421,790Expenses 2017: $2,282,528Net Income 2017: $139,2622017Revenue 2018: $2,978,092Expenses 2018: $2,682,023Net Income 2018: $296,0692018Revenue 2019: $3,223,119Expenses 2019: $2,819,965Net Income 2019: $403,1542019Revenue 2020: $3,011,698Expenses 2020: $2,713,723Net Income 2020: $297,9752020Revenue 2021: $3,013,320Expenses 2021: $2,796,028Net Income 2021: $217,2922021Revenue 2022: $3,619,059Expenses 2022: $2,958,765Net Income 2022: $660,2942022Revenue 2023: $4,285,495Expenses 2023: $3,185,591Net Income 2023: $1,099,9042023Revenue 2024: $4,769,409Expenses 2024: $3,657,699Net Income 2024: $1,111,7102024

Highlighted filing

2018

Revenue$2,978,092
Expenses$2,682,023
Net Income$296,069
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 11, 2019
Return Version
2018v3.1
Gross Receipts
$2,978,092
Mission and Program Overview

Mission

Established to provide quality financial services to members who share our common bond and exist for the financial benefit of the members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$38,514,735$47,468,920▲ $8,954,185
Savings and Temporary Cash Investments$12,939,647$10,811,374▼ $2,128,273
Rtn Earn Endowment Incm Other Fnds$5,483,064$5,771,474▲ $288,410
Investments Other Securities$7,839,191$3,558,058▼ $4,281,133
Cash and Non-Interest-Bearing Accounts$1,114,813$1,371,009▲ $256,196
Investments Program Related$576,730$607,987▲ $31,257
Land, Buildings, and Equipment, Net$113,056$103,294▼ $9,762
Prepaid Expenses and Deferred Charges$40,641$100,317▲ $59,676
Total Assets$61,238,792$64,144,699▲ $2,905,907
Other Assets Total$99,979$123,740▲ $23,761
Liabilities
Other Liabilities$55,158,804$57,617,442▲ $2,458,638
Accounts Payable and Accrued Expenses$596,924$755,783▲ $158,859
Total Liabilities$55,755,728$58,373,225▲ $2,617,497
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,483,064$5,771,474▲ $288,410
Total Liabilities and Net Assets / Fund Balance$61,238,792$64,144,699▲ $2,905,907

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$103,294$825,856$929,150
Other Securities$2,912--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tammy RowdenManagerFT$87,657$10,659$98,316

Board Members and Trustees

NameTitle
Russ ConroyChairman
Dane DouglasVice Chairma
Jodie RaybornBoard Member
Peter SosenkoBoard Member
Tracy LemmonsBoard Member
Vanessa HarperBoard Member
Connie SniderSecretary
Scott ReynoldsTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Ami-8348 CORPORATE DR, Mt Pleasant, WI 53406$104,270
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,680,819
Investment Income
$297,273
Other Revenue
$0
Change in Net Assets
$296,069
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,562,274
Salaries, Compensation, and Employee Benefits$1,119,749
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$729,698
Fees for Services Other---$580,958
Interest---$237,035
Other Employee Benefits---$227,695
Office Expenses---$109,582
Current Officers, Directors, Trustees, and Key Employees---$98,316
Payroll Taxes---$64,040
Depreciation Depletion---$52,674
Occupancy---$51,341
Insurance---$37,249
Advertising---$26,041
Other Expenses---$24,110
Fees for Services Accounting---$16,260
Travel---$13,336
All Other Expenses---$9,245
Fees for Services Legal---$7,937
Total Functional Expenses$0$0$0$2,682,023
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'S SHARES AND SAVINGS ACCOUNTS$57,617,442
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

The members of the credit union are considered to be the owners of the organization.

Form 990, Page 6, Part VI, Line 7A

The members of the credit union elect all of the board of directors for three year terms.

Form 990, Page 6, Part VI, Line 7B

Any changes to the by-laws governing the credit union are required to have approval from the credit union members.

Form 990, Page 6, Part VI, Line 11B

The initial review of the return is performed by the manager of the credit union. After that is complete, a copy of the return is presented to the board of directors at their next meeting.

Form 990, Page 6, Part VI, Line 15A

The human resource department determines the top management official's compensation and benefits based on a review of external salary reports and the performance of the organization. The board of directors apprroves the compensation package.

Form 990, Page 6, Part VI, Line 19

Copies of the credit union governing documents, financial statements, and conflict of interest policy are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Mercy Credit Union
EIN
43-6203095
Phone
4178202931
Address
1444 E SUNSHINE, SPRINGFIELD, MO 65804

Signing Officer

Name
Tammy Rowden
Title
Manager
Signed
2019-11-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tammy Rowden
Formed
1976
Legal Domicile
Mo
Voting Board Members
8
Independent Board Members
8
Employees
34
Volunteers
12

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC RD, SPRINGFIELD, MO 65804
Preparer
Sean M Balisle CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Loan servicing expense 45,642 0 0 outside services 535,316 0 0 total 580,958 0 0

Raw XML Appendix382 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0596924
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0755783
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS.
IRS990/AdvertisingGrp/TotalAmt026041
IRS990/AllOtherExpensesGrp/TotalAmt09245
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0TAMMY ROWDEN
IRS990/BooksInCareOfDetail/PhoneNum04178202931
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01444 E SUNSHINE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd065804
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01114813
IRS990/CashNonInterestBearingGrp/EOYAmt01371009
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt098316
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0104270
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt08348 CORPORATE DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MT PLEASANT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd053406
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0AMI
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0297273
IRS990/CYOtherExpensesAmt01562274
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02680819
IRS990/CYRevenuesLessExpensesAmt0296069
IRS990/CYSalariesCompEmpBnftPaidAmt01119749
IRS990/CYTotalExpensesAmt02682023
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02978092
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt052674
IRS990/Desc0VOLUNTARY, COOPERATIVE, NONPROFIT SAVINGS INSTITUTION WHICH ENCOURAGES THRIFT AMONG THEIR 13,301 MEMBERS BY PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt034
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt016260
IRS990/FeesForServicesLegalGrp/TotalAmt07937
IRS990/FeesForServicesOtherGrp/TotalAmt0580958
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
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/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt810659
IRS990/Form990PartVIISectionAGrp/PersonNm0RUSS CONROY
IRS990/Form990PartVIISectionAGrp/PersonNm1DANE DOUGLAS
IRS990/Form990PartVIISectionAGrp/PersonNm2SCOTT REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm3CONNIE SNIDER
IRS990/Form990PartVIISectionAGrp/PersonNm4PETER SOSENKO
IRS990/Form990PartVIISectionAGrp/PersonNm5TRACY LEMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm6JODIE RAYBORN
IRS990/Form990PartVIISectionAGrp/PersonNm7VANESSA HARPER
IRS990/Form990PartVIISectionAGrp/PersonNm8TAMMY ROWDEN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt887657
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8MANAGER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01976
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt010516
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt010516
IRS990/GrossReceiptsAmt02978092
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt08
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt037249
IRS990/InterestGrp/TotalAmt0237035
IRS990/InvestmentIncomeGrp/ExclusionAmt0286757
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0286757
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt07839191
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03558058
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0576730
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0607987
IRS990/IRPDocumentCnt02002
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0825856
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0113056
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0103294
IRS990/LandBldgEquipCostOrOtherBssAmt0929150
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05483064
IRS990/NetAssetsOrFundBalancesEOYAmt05771474
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt010516
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt010516
IRS990/NetUnrlzdGainsLossesInvstAmt0-7659
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt051341
IRS990/OfficeExpensesGrp/TotalAmt0109582
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt099979
IRS990/OtherAssetsTotalGrp/EOYAmt0123740
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0227695
IRS990/OtherExpensesGrp/Desc0MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/Desc1BANK AND PROCESSING FEES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3LEAGUE DUES
IRS990/OtherExpensesGrp/TotalAmt0144021
IRS990/OtherExpensesGrp/TotalAmt1130483
IRS990/OtherExpensesGrp/TotalAmt2122002
IRS990/OtherExpensesGrp/TotalAmt324110
IRS990/OtherLiabilitiesGrp/BOYAmt055158804
IRS990/OtherLiabilitiesGrp/EOYAmt057617442
IRS990/OtherSalariesAndWagesGrp/TotalAmt0729698
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt038514735
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt047468920
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt064040
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt040641
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0100317
IRS990/PrincipalOfficerNm0TAMMY ROWDEN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522210
IRS990/ProgramServiceRevenueGrp/BusinessCd2522298
IRS990/ProgramServiceRevenueGrp/BusinessCd3522298
IRS990/ProgramServiceRevenueGrp/BusinessCd4522298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES, CHARGES AND OTHER
IRS990/ProgramServiceRevenueGrp/Desc3OTHER
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01744352
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1378196
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2367705
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3103583
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt486983
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01744352
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1378196
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2367705
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3103583
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt486983
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0218433
IRS990/PYOtherExpensesAmt01232623
IRS990/PYProgramServiceRevenueAmt02203357
IRS990/PYRevenuesLessExpensesAmt0139262
IRS990/PYSalariesCompEmpBnftPaidAmt01049905
IRS990/PYTotalExpensesAmt02282528
IRS990/PYTotalRevenueAmt02421790
IRS990/ReconcilationRevenueExpnssAmt0296069
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05483064
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05771474
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012939647
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010811374
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0103294
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0825856
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0929150
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt057617442
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER'S SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02235501
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11124745
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2190900
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt34000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt42912
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CD'S INVESTED AT LOCAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MORTGAGE BACK SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc2MO CORPORATE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3REPOSSESSED ASSETS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4CO-OP NETWORK INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0103294
IRS990ScheduleD/TotalBookValueSecuritiesAmt03558058
IRS990ScheduleD/TotalLiabilityAmt057617442
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ELECT ALL OF THE BOARD OF DIRECTORS FOR THREE YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY CHANGES TO THE BY-LAWS GOVERNING THE CREDIT UNION ARE REQUIRED TO HAVE APPROVAL FROM THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE INITIAL REVIEW OF THE RETURN IS PERFORMED BY THE MANAGER OF THE CREDIT UNION. AFTER THAT IS COMPLETE, A COPY OF THE RETURN IS PRESENTED TO THE BOARD OF DIRECTORS AT THEIR NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE HUMAN RESOURCE DEPARTMENT DETERMINES THE TOP MANAGEMENT OFFICIAL'S COMPENSATION AND BENEFITS BASED ON A REVIEW OF EXTERNAL SALARY REPORTS AND THE PERFORMANCE OF THE ORGANIZATION. THE BOARD OF DIRECTORS APPRROVES THE COMPENSATION PACKAGE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COPIES OF THE CREDIT UNION GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6LOAN SERVICING EXPENSE 45,642 0 0 OUTSIDE SERVICES 535,316 0 0 TOTAL 580,958 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt061238792
IRS990/TotalAssetsEOYAmt064144699
IRS990/TotalAssetsGrp/BOYAmt061238792
IRS990/TotalAssetsGrp/EOYAmt064144699
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02682023
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt055755728
IRS990/TotalLiabilitiesEOYAmt058373225
IRS990/TotalLiabilitiesGrp/BOYAmt055755728
IRS990/TotalLiabilitiesGrp/EOYAmt058373225
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05483064
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05771474
IRS990/TotalOtherCompensationAmt010659
IRS990/TotalProgramServiceRevenueAmt02680819
IRS990/TotalReportableCompFromOrgAmt087657
IRS990/TotalRevenueGrp/ExclusionAmt0286757
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02691335
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02978092
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt061238792
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt064144699
IRS990/TravelGrp/TotalAmt013336
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01444 E SUNSHINE
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065804
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0WWW.MYMERCYCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-03-31 21:24:44Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TAMMY ROWDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MERCY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MERC
ReturnHeader/Filer/EIN0436203095
ReturnHeader/Filer/PhoneNum04178202931
ReturnHeader/Filer/USAddress/AddressLine1Txt01444 E SUNSHINE
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065804
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId094D2F4D87A8F832633CF054BCB4A33CBE83B25A9
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId02E9BB2DFD71372909F16BC7C90C9C03524C575FF
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt064.88.174.3
ReturnHeader/FilingSecurityInformation/IPDt02019-11-13
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm015:21:33
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431109768
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KPM CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01445 E REPUBLIC RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SPRINGFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065804
ReturnHeader/PreparerPersonGrp/PhoneNum04178824300
ReturnHeader/PreparerPersonGrp/PreparationDt02019-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SEAN M BALISLE CPA
ReturnHeader/ReturnTs02019-11-13T15:21:33-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.6$73.2$9.40$4.77$3.66$1.11
2023Summary only. Only limited summary data is available for this year.$82.7$74.5$8.17$4.29$3.19$1.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.5$79.5$6.95$3.62$2.96$0.66
2021Summary only. Only limited summary data is available for this year.$87.1$80.4$6.66$3.01$2.80$0.22
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$77.6$71.1$6.50$3.01$2.71$0.30
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.8$56.6$6.20$3.22$2.82$0.40
2018Detailed filing. Detailed filing data is available for this year.$64.1$58.4$5.77$2.98$2.68$0.30
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.2$55.8$5.48$2.42$2.28$0.14
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.3$53.9$5.35$2.21$2.09$0.12
2015Detailed filing. Detailed filing data is available for this year.$50.8$45.9$4.85$1.80$1.76$0.05
2014Detailed filing. Detailed filing data is available for this year.$47.9$43.1$4.82$1.58$1.56$0.01
2013Detailed filing. Detailed filing data is available for this year.$45.3$40.5$4.75$1.51$1.51$0.00
2012Summary only. Only limited summary data is available for this year.$44.3$39.4$4.92$1.70$1.35$0.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.0$34.6$4.43$1.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.7$32.5$4.17$1.35