Liabilities / Assets
5th percentile
Higher debt load relative to assets than 5% of similar nonprofits.
Missouri Corporate Credit Union
990 • Fiscal year 2014 • EIN 43-6216029
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.08x
Liabilities / Revenue
5th percentile
Higher debt load relative to revenue than 5% of similar nonprofits.
Net Margin
40th percentile
Higher net margin than 40% of similar nonprofits.
Top Officer Pay
15th percentile
Higher top officer pay than 15% of similar nonprofits.
Top officer pay equals 6.7% of source-year revenue.
Asset Growth
1st percentile
Faster asset growth than 1% of similar nonprofits.
Revenue Growth
2nd percentile
Faster revenue growth than 2% of similar nonprofits.
Balance Sheet
Assets
Down$147,080,307
Down $19,271,319 (-12%) from 2013
Net Assets
Down$135,829,808
Down $18,281,752 (-12%) from 2013
Liabilities
Down$11,250,499
Down $989,567 (-8.1%) from 2013
Revenue And Expenses
Revenue
Down$1,930,579
Down $352,886 (-15%) from 2013
Expenses
Down$1,750,298
Down $266,090 (-13%) from 2013
Net Income
Down$180,281
Down $86,796 (-32%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- May 15, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $1,930,579
Mission and Program Overview
Mission
Missouri corporate credit union (mccu) serves as a financial intermediary for the 159 credit unions which comprise its membership, and its activities are directed to the support of that interdependent group.
Missouri corporate credit union (mccu) serves as a financial intermediary for the credit unions which comprises its membership, and its activities are directed to the support of that interdependent group.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cap Stk Tr Prin Current Funds | $132,192,932 | $113,478,435 | ▼ $18,714,497 |
| Investments in Publicly Traded Securities | $84,716,766 | $98,314,620 | ▲ $13,597,854 |
| Savings and Temporary Cash Investments | $63,625,591 | $22,467,571 | ▼ $41,158,020 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $20,923,900 | $20,923,900 | → $0 |
| Accounts Receivable | $12,093,635 | $11,134,545 | ▼ $959,090 |
| Other Notes and Loans Receivable, Net | $3,261,874 | $11,058,257 | ▲ $7,796,383 |
| Rtn Earn Endowment Incm Other Fnds | $994,728 | $1,427,473 | ▲ $432,745 |
| Cash and Non-Interest-Bearing Accounts | $167,305 | $1,164,491 | ▲ $997,186 |
| Investments Other Securities | $746,025 | $1,092,000 | ▲ $345,975 |
| Total Assets | $166,351,626 | $147,080,307 | ▼ $19,271,319 |
| Other Assets Total | $1,740,430 | $1,848,823 | ▲ $108,393 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $12,093,635 | $11,136,327 | ▼ $957,308 |
| Other Liabilities | $146,431 | $114,172 | ▼ $32,259 |
| Total Liabilities | $12,240,066 | $11,250,499 | ▼ $989,567 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $154,111,560 | $135,829,808 | ▼ $18,281,752 |
| Total Liabilities and Net Assets / Fund Balance | $166,351,626 | $147,080,307 | ▼ $19,271,319 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Kathleen M Gray | President/CEO | FT | $117,178 | $12,571 | $129,749 |
Board Members and Trustees
| Name | Title |
|---|---|
| J David Osborn | Chairman |
| Ronald Miller Jr | Vice Chairman |
| Carol White | Director |
| Glenna Osborn | Director |
| Rick Nichols | Director |
| Steve Wansing | Director |
| Susan Venable | Director |
| Phil Weber | Secretary/treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,930,579
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $180,281
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,930,579
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Total Revenue per Audited Statements
- $1,930,579
- Total Revenue per Form 990
- $1,930,579
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,063,508 |
| Salaries, Compensation, and Employee Benefits | $686,790 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $610,730 |
| Fees for Services Other | - | - | - | $442,220 |
| Office Expenses | - | - | - | $120,914 |
| Pension Plan Contributions | - | - | - | $76,060 |
| Interest | - | - | - | $68,746 |
| Fees for Service Investment Mgmnt Fees | - | - | - | $48,600 |
| Occupancy | - | - | - | $44,687 |
| Advertising | - | - | - | $21,170 |
| Other Expenses | - | - | - | $3,371 |
| Total Functional Expenses | $0 | $0 | $0 | $1,750,298 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,750,298 |
| Total Expenses per Audited Statements | $1,750,298 |
| Total Expenses per Form 990 | $1,750,298 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Accrued Expenses and Other Liabilities | $106,231 |
| Accrued Interest and Dividends Payable | $7,941 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
- Yes
- 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 organization's membership is comprised of credit unions located nationwide; however, the majority of the non-missouri credit unions are located in illinois and oklahoma.”
Form 990, Part VI, Section A, Line 7A
“Annual election is dictated by the organization's bylaws. Each member credit union in good standing has one vote.”
Form 990, Part VI, Section A, Line 7B
“General membership would have to approve a merger or change in the organizational structure. No such merger matters were brought before the general membership during the 2014 calendar year.”
Form 990, Part VI, Section B, Line 11
“Management engages a cpa firm to prepare the form 990 and reviews and approves the completed form 990. The final form 990 is provided to the organization's board of directors. The board of directors does not 'review and approve' the form 990, management does.”
Form 990, Part VI, Section B, Line 12C
“The organization's governance policy requires board review and approval of all policies. In order to better manage the review process and not overburden the board, a calendar is developed to spread the review of the policies out over a 12-month period.”
Form 990, Part VI, Section B, Line 15
“The organization's salary review for the ceo and other officers and key employees is outsourced to a third-party specializing in compensation on an annual basis and adjustments are made accordingly.”
Form 990, Part VI, Section C, Line 18
“The public may request a copy of the organization's form 990 by contacting: kathleen m. Gray, president/ceo missouri corporate credit union 2055 craigshire drive st. Louis, mo 63146 direct no. (314)542-1335 fax no. (314)542-1379 e-mail: [email protected]”
Form 990, Part VI, Section C, Line 19
“The organization publishes its annual report as well as its quarterly credit worthiness report on its website at www.mocorpcu.coop. Copies of any policies, including governance policy and conflict of interests, are made available upon request to kathleen m. Gray (see contact information above per section c, line 18).”
Filing and Contact Details
Filer
- Filer Name
- Missouri Corporate Credit Union
- EIN
- 43-6216029
- Phone
- 3145421350
- Address
- 2055 CRAIGSHIRE DRIVE, ST LOUIS, MO 63146
Signing Officer
- Name
- Kathleen M Gray
- Title
- President/CEO
- Phone
- 3145421350
- Signed
- 2015-05-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Kathleen M Gray
- Formed
- 1976
- Legal Domicile
- Mo
- Voting Board Members
- 8
- Independent Board Members
- 8
- Employees
- 0
- Volunteers
- 13
Preparer
- Firm
- Cummings Ristau & Associates Pc
- Address
- 13023 TESSON FERRY ROAD, ST LOUIS, MO 63128
- Preparer
- John E Preston CPA
- Phone
- 3148456050
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Professional and outside services 439,220. Examination fee 3,000.”
FORM 990, PART XI, LINE 9:
“Withdrawal of funds by member credit unions -18,714,497. Dividends paid on perpetual contributed capital -31,378.”
Raw XML Appendix367 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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 12093635 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 11136327 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 12093635 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 11134545 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | MISSOURI CORPORATE CREDIT UNION (MCCU) SERVES AS A FINANCIAL INTERMEDIARY FOR THE CREDIT UNIONS WHICH COMPRISES ITS MEMBERSHIP, AND ITS ACTIVITIES ARE DIRECTED TO THE SUPPORT OF THAT INTERDEPENDENT GROUP. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 21170 |
| IRS990/AmendedReturnInd | 0 | X |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | KATHLEEN M GRAY |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3145421350 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2055 CRAIGSHIRE DRIVE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ST LOUIS |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 63146 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 132192932 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 113478435 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 167305 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1164491 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 1063508 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1930579 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 180281 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 686790 |
| IRS990/CYTotalExpensesAmt | 0 | 1750298 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1930579 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | MCCU IS A COOPERATIVE, NON-PROFIT, INCORPORATED UNDER MISSOURI STATUTES FOR THE PURPOSES OF PROVIDING CORRESPONDENT SERVICES AND INVESTMENTS TO MEMBER CREDIT UNIONS WHO IN TURN SERVE THEIR MEMBERS (INDIVIDUAL CONSUMERS) BY CREATING A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING OTHER PRODUCTS AND SERVICES TO IMPROVE MEMBERS' ECONOMIC AND SOCIAL CONDITIONS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 442220 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 48600 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 50.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 12571 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | STEVE WANSING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | SUSAN VENABLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | RONALD MILLER JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | GLENNA OSBORN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | RICK NICHOLS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | PHIL WEBER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | CAROL WHITE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | J DAVID OSBORN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | KATHLEEN M GRAY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 117178 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | SECRETARY/TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | PRESIDENT/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1976 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 8 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1930579 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 68746 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 746025 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1092000 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 84716766 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 98314620 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | MO |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | MISSOURI CORPORATE CREDIT UNION (MCCU) SERVES AS A FINANCIAL INTERMEDIARY FOR THE 130 CREDIT UNIONS WHICH COMPRISE ITS MEMBERSHIP, AND ITS ACTIVITIES ARE DIRECTED TO THE SUPPORT OF THAT INTERDEPENDENT GROUP. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 154111560 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 135829808 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 283842 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 44687 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 120914 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1740430 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1848823 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -18745875 |
| IRS990/OtherExpensesGrp/Desc | 0 | CORRESPONDENT SERVICE C |
| IRS990/OtherExpensesGrp/Desc | 1 | OUTSOURCED ADMIN SERVIC |
| IRS990/OtherExpensesGrp/Desc | 2 | TELEPHONE |
| IRS990/OtherExpensesGrp/Desc | 3 | POSTAGE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 155596 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 146328 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11876 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 3371 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 146431 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 114172 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 610730 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 3261874 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 11058257 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 20923900 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 20923900 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 76060 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | KATHLEEN M GRAY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 4 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON INVESTMENT |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | EQUITY IN EARNINGS FRO |
| IRS990/ProgramServiceRevenueGrp/Desc | 4 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 950055 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 677591 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 152584 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 104797 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 4 | 45552 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 950055 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 677591 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 152584 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 104797 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 4 | 45552 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 1172795 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2283465 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 267077 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 843593 |
| IRS990/PYTotalExpensesAmt | 0 | 2016388 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2283465 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 180281 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 994728 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1427473 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 63625591 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 22467571 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1750298 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 7941 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 106231 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | ACCRUED INTEREST AND DIVIDENDS PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ACCRUED EXPENSES AND OTHER LIABILITIES |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1930579 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1750298 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 114172 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1930579 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1930579 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1750298 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION'S MEMBERSHIP IS COMPRISED OF CREDIT UNIONS LOCATED NATIONWIDE; HOWEVER, THE MAJORITY OF THE NON-MISSOURI CREDIT UNIONS ARE LOCATED IN ILLINOIS AND OKLAHOMA. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ANNUAL ELECTION IS DICTATED BY THE ORGANIZATION'S BYLAWS. EACH MEMBER CREDIT UNION IN GOOD STANDING HAS ONE VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | GENERAL MEMBERSHIP WOULD HAVE TO APPROVE A MERGER OR CHANGE IN THE ORGANIZATIONAL STRUCTURE. NO SUCH MERGER MATTERS WERE BROUGHT BEFORE THE GENERAL MEMBERSHIP DURING THE 2014 CALENDAR YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | MANAGEMENT ENGAGES A CPA FIRM TO PREPARE THE FORM 990 AND REVIEWS AND APPROVES THE COMPLETED FORM 990. THE FINAL FORM 990 IS PROVIDED TO THE ORGANIZATION'S BOARD OF DIRECTORS. THE BOARD OF DIRECTORS DOES NOT 'REVIEW AND APPROVE' THE FORM 990, MANAGEMENT DOES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION'S GOVERNANCE POLICY REQUIRES BOARD REVIEW AND APPROVAL OF ALL POLICIES. IN ORDER TO BETTER MANAGE THE REVIEW PROCESS AND NOT OVERBURDEN THE BOARD, A CALENDAR IS DEVELOPED TO SPREAD THE REVIEW OF THE POLICIES OUT OVER A 12-MONTH PERIOD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE ORGANIZATION'S SALARY REVIEW FOR THE CEO AND OTHER OFFICERS AND KEY EMPLOYEES IS OUTSOURCED TO A THIRD-PARTY SPECIALIZING IN COMPENSATION ON AN ANNUAL BASIS AND ADJUSTMENTS ARE MADE ACCORDINGLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE PUBLIC MAY REQUEST A COPY OF THE ORGANIZATION'S FORM 990 BY CONTACTING: KATHLEEN M. GRAY, PRESIDENT/CEO MISSOURI CORPORATE CREDIT UNION 2055 CRAIGSHIRE DRIVE ST. LOUIS, MO 63146 DIRECT NO. (314)542-1335 FAX NO. (314)542-1379 E-MAIL: [email protected] |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION PUBLISHES ITS ANNUAL REPORT AS WELL AS ITS QUARTERLY CREDIT WORTHINESS REPORT ON ITS WEBSITE AT WWW.MOCORPCU.COOP. COPIES OF ANY POLICIES, INCLUDING GOVERNANCE POLICY AND CONFLICT OF INTERESTS, ARE MADE AVAILABLE UPON REQUEST TO KATHLEEN M. GRAY (SEE CONTACT INFORMATION ABOVE PER SECTION C, LINE 18). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | PROFESSIONAL AND OUTSIDE SERVICES 439,220. EXAMINATION FEE 3,000. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | WITHDRAWAL OF FUNDS BY MEMBER CREDIT UNIONS -18,714,497. DIVIDENDS PAID ON PERPETUAL CONTRIBUTED CAPITAL -31,378. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XI, LINE 9: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MO |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 166351626 |
| IRS990/TotalAssetsEOYAmt | 0 | 147080307 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 166351626 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 147080307 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1750298 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 12240066 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 11250499 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 12240066 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 11250499 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 154111560 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 135829808 |
| IRS990/TotalOtherCompensationAmt | 0 | 12571 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1930579 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 117178 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1930579 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1930579 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 13 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 166351626 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 147080307 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 2055 CRAIGSHIRE DRIVE |
| IRS990/USAddress/CityNm | 0 | ST LOUIS |
| IRS990/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/USAddress/ZIPCd | 0 | 63146 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 8 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MOCORPCU.COOP |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KATHLEEN M GRAY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 3145421350 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-05-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MISSOURI CORPORATE CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MISS |
| ReturnHeader/Filer/EIN | 0 | 436216029 |
| ReturnHeader/Filer/PhoneNum | 0 | 3145421350 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 2055 CRAIGSHIRE DRIVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | ST LOUIS |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 63146 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 431738226 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CUMMINGS RISTAU & ASSOCIATES PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 13023 TESSON FERRY ROAD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | ST LOUIS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 63128 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3148456050 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOHN E PRESTON CPA |
| ReturnHeader/ReturnTs | 0 | 2015-05-15T12:42:23-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2014-12-31 |
| ReturnHeader/TaxYr | 0 | 2014 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $147,080,307
- Liabilities
- $11,250,499
- Net assets
- $135,829,808
- Revenue
- $1,930,579
- Expenses
- $1,750,298
- Net income
- $180,281