Civic Intelligence

Volt Credit Union

EIN 44-0444090 • 501(c)14 • Springfield, MO

View Organization Page

Profile

Excellent member service is, and will continue to be, the primary mission of community financial credit union.

PO Box 1217Springfield, MO 65801-1217

www.voltcu.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

30th percentile

14.79x

Higher debt load relative to revenue than 30% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

25th percentile

4.3%

Higher net margin than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

25th percentile

-2.4%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Revenue Growth

54th percentile

13%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$86,217,150

Down $2,452,826 (-2.8%) from 2023

Liabilities

Down

$78,402,671

Down $2,686,881 (-3.3%) from 2023

Net Assets

Up

$7,814,479

Up $234,055 (+3.1%) from 2023

Operations
Liabilities / Revenue30th percentileNet Margin25th percentile

Revenue

Up

$5,300,505

Up $566,776 (+12%) from 2023

Expenses

Up

$5,070,898

Up $608,647 (+14%) from 2023

Net Income

Down

$229,607

Down $41,871 (-15%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$100M$50M$0Assets 2010: $51,346,758Liabilities 2010: $46,153,667Net Assets 2010: $5,193,0912010Assets 2011: $54,855,212Liabilities 2011: $49,388,300Net Assets 2011: $5,466,9122011Assets 2012: $57,211,199Liabilities 2012: $51,626,787Net Assets 2012: $5,584,4122012Assets 2013: $57,404,797Liabilities 2013: $51,789,414Net Assets 2013: $5,615,3832013Assets 2014: $59,636,330Liabilities 2014: $53,997,429Net Assets 2014: $5,638,9012014Assets 2015: $62,190,558Liabilities 2015: $56,470,417Net Assets 2015: $5,720,1412015Assets 2016: $64,330,629Liabilities 2016: $58,528,257Net Assets 2016: $5,802,3722016Assets 2017: $64,068,273Liabilities 2017: $57,670,705Net Assets 2017: $6,397,5682017Assets 2018: $65,015,176Liabilities 2018: $58,367,530Net Assets 2018: $6,647,6462018Assets 2019: $69,936,267Liabilities 2019: $63,075,069Net Assets 2019: $6,861,1982019Assets 2020: $82,438,586Liabilities 2020: $75,509,760Net Assets 2020: $6,928,8262020Assets 2021: $89,720,423Liabilities 2021: $82,604,174Net Assets 2021: $7,116,2492021Assets 2022: $90,479,481Liabilities 2022: $83,143,139Net Assets 2022: $7,336,3422022Assets 2023: $88,669,976Liabilities 2023: $81,089,552Net Assets 2023: $7,580,4242023Assets 2024: $86,217,150Liabilities 2024: $78,402,671Net Assets 2024: $7,814,4792024

Highlighted filing

2024

Assets$86,217,150
Liabilities$78,402,671
Net Assets$7,814,479
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,584,1782010Expenses 2011: $2,428,8612011Expenses 2012: $2,414,5802012Revenue 2013: $2,306,829Expenses 2013: $2,275,858Net Income 2013: $30,9712013Revenue 2014: $2,388,813Expenses 2014: $2,365,295Net Income 2014: $23,5182014Revenue 2015: $2,760,016Expenses 2015: $2,678,776Net Income 2015: $81,2402015Revenue 2016: $3,040,470Expenses 2016: $2,926,422Net Income 2016: $114,0482016Revenue 2017: $3,500,557Expenses 2017: $2,899,778Net Income 2017: $600,7792017Revenue 2018: $3,350,690Expenses 2018: $3,092,401Net Income 2018: $258,2892018Revenue 2019: $3,639,257Expenses 2019: $3,459,488Net Income 2019: $179,7692019Revenue 2020: $3,930,624Expenses 2020: $3,886,843Net Income 2020: $43,7812020Revenue 2021: $3,925,967Expenses 2021: $3,728,016Net Income 2021: $197,9512021Revenue 2022: $4,130,929Expenses 2022: $3,886,485Net Income 2022: $244,4442022Revenue 2023: $4,733,729Expenses 2023: $4,462,251Net Income 2023: $271,4782023Revenue 2024: $5,300,505Expenses 2024: $5,070,898Net Income 2024: $229,6072024

Highlighted filing

2024

Revenue$5,300,505
Expenses$5,070,898
Net Income$229,607
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$86,217,150
Liabilities
$78,402,671
Net assets
$7,814,479
Revenue
$5,300,505
Expenses
$5,070,898
Net income
$229,607
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.2$78.4$7.81$5.30$5.07$0.23
2023Detailed filing. Detailed filing data is available for this year.$88.7$81.1$7.58$4.73$4.46$0.27
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.5$83.1$7.34$4.13$3.89$0.24
2021Detailed filing. Detailed filing data is available for this year.$89.7$82.6$7.12$3.93$3.73$0.20
2020Detailed filing. Detailed filing data is available for this year.$82.4$75.5$6.93$3.93$3.89$0.04
2019Detailed filing. Detailed filing data is available for this year.$69.9$63.1$6.86$3.64$3.46$0.18
2018Detailed filing. Detailed filing data is available for this year.$65.0$58.4$6.65$3.35$3.09$0.26
2017Detailed filing. Detailed filing data is available for this year.$64.1$57.7$6.40$3.50$2.90$0.60
2016Detailed filing. Detailed filing data is available for this year.$64.3$58.5$5.80$3.04$2.93$0.11
2015Detailed filing. Detailed filing data is available for this year.$62.2$56.5$5.72$2.76$2.68$0.08
2014Detailed filing. Detailed filing data is available for this year.$59.6$54.0$5.64$2.39$2.37$0.02
2013Detailed filing. Detailed filing data is available for this year.$57.4$51.8$5.62$2.31$2.28$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.2$51.6$5.58$2.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$54.9$49.4$5.47$2.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$46.2$5.19$2.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 1, 2025
Return Version
2024v5.2
Gross Receipts
$5,443,451
Mission and Program Overview

Mission

Our mission is to help members build long-term financial security.

The credit union exists to help members build long-term financial security.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$55,824,045$57,026,981▲ $1,202,936
Savings and Temporary Cash Investments$18,547,020$15,428,285▼ $3,118,735
Rtn Earn Endowment Incm Other Fnds$7,580,424$7,814,479▲ $234,055
Land, Buildings, and Equipment, Net$5,464,829$5,531,300▲ $66,471
Investments Other Securities$3,805,577$2,723,218▼ $1,082,359
Cash and Non-Interest-Bearing Accounts$1,330,161$1,505,490▲ $175,329
Receivables From Officers Etc$417,194--
Prepaid Expenses and Deferred Charges$218,153$314,896▲ $96,743
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$88,669,976$86,217,150▼ $2,452,826
Other Assets Total$3,062,997$3,686,980▲ $623,983
Liabilities
Other Liabilities$75,284,360$72,948,850▼ $2,335,510
Mortgage Notes Payable Secured by Investment Property$5,000,000$5,000,000→ $0
Accounts Payable and Accrued Expenses$805,192$453,821▼ $351,371
Total Liabilities$81,089,552$78,402,671▼ $2,686,881
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,580,424$7,814,479▲ $234,055
Total Liabilities and Net Assets / Fund Balance$88,669,976$86,217,150▼ $2,452,826

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,009,832$266,237$4,276,069
Equipment$541,687$1,085,486$1,627,173
Land$979,781-$979,781
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher MossPresident/CEO (current)FT$148,258$3,380$151,638
Shana JahnkeChief Operations OfficerFT$92,942$6,054$98,996
Vicki OwensChief Administrative OfficFT$88,234$6,205$94,439

Board Members and Trustees

NameTitle
Bill JamesonChairman
Randy TuckerVice Chairman
Charles JohnsonDirector
Lisa AlexanderDirector
Mark RosenauerDirector
Laurie PeetersSecretary
Darrell DeckerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,569,419
Investment Income
$711,592
Other Revenue
$19,494
Change in Net Assets
$229,607
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,256,043
Salaries, Compensation, and Employee Benefits$1,811,855
Grants and Similar Amounts Paid$3,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,199,714
Fees for Services Other---$680,512
Information Technology---$359,644
Current Officers, Directors, Trustees, and Key Employees---$345,073
Occupancy---$244,600
Interest---$215,549
Advertising---$199,053
Office Expenses---$198,701
Depreciation Depletion---$168,124
Payroll Taxes---$121,767
Other Employee Benefits---$121,521
Insurance---$40,678
Fees for Services Accounting---$36,531
Travel---$26,777
Other Expenses---$24,353
Pension Plan Contributions---$23,780
Conferences and Meetings---$18,548
Fees for Services Legal---$8,870
All Other Expenses---$6,619
Grants to Domestic Individuals---$3,000
Fees for Service Investment Mgmnt Fees---$247
Total Functional Expenses$0$0$0$5,070,898
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$800

Section 527 Organizations

OrganizationLocationAmount
43-1310069Jefferson City, MO$800
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$417,194--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Deposits$72,948,850
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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 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

“The form 990 is reviewed by credit union management.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis, all volunteers, including board members, are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews the president's performance and determines compensation using various information, including the compease salary administration program and cuna salary survey. Compensation for all other management is determined by the president and presented as part of the budget package to the board of directors for approval. 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
Volt Credit Union
EIN
44-0444090
Phone
4178620471
Address
PO BOX 1217, SPRINGFIELD, MO 65801-1217

Signing Officer

Name
Christopher Moss
Title
President/CEO
Phone
4178620471
Signed
2025-10-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christopher Moss
Formed
1935
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
27
Volunteers
8

Preparer

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

Additional Explanations

Form 990, Part III, Line 2

“The credit union openend the first in the state, high school branch.”

Form 990, Part IX, Line 11G

“Other professional & outside services 233,759. Debit, visa & atm expenses 446,753.”

Raw XML AppendixShowing 400 of 421 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0805192
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0453821
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE CREDIT UNION EXISTS TO HELP MEMBERS BUILD LONG-TERM FINANCIAL SECURITY.
IRS990/AdvertisingGrp/TotalAmt0199053
IRS990/AllOtherExpensesGrp/TotalAmt06619
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHRISTOPHER MOSS
IRS990/BooksInCareOfDetail/PhoneNum04178620471
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02624 W REPUBLIC ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0658074070
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01330161
IRS990/CashNonInterestBearingGrp/EOYAmt01505490
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0345073
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt018548
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt03000
IRS990/CYInvestmentIncomeAmt0711592
IRS990/CYOtherExpensesAmt03256043
IRS990/CYOtherRevenueAmt019494
IRS990/CYProgramServiceRevenueAmt04569419
IRS990/CYRevenuesLessExpensesAmt0229607
IRS990/CYSalariesCompEmpBnftPaidAmt01811855
IRS990/CYTotalExpensesAmt05070898
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05300505
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0168124
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 6,884 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt027
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt036531
IRS990/FeesForServicesLegalGrp/TotalAmt08870
IRS990/FeesForServicesOtherGrp/TotalAmt0680512
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0247
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt76054
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt83380
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt96205
IRS990/Form990PartVIISectionAGrp/PersonNm0BILL JAMESON
IRS990/Form990PartVIISectionAGrp/PersonNm1RANDY TUCKER
IRS990/Form990PartVIISectionAGrp/PersonNm2LAURIE PEETERS
IRS990/Form990PartVIISectionAGrp/PersonNm3DARRELL DECKER
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK ROSENAUER
IRS990/Form990PartVIISectionAGrp/PersonNm5LISA ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm6CHARLES JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm7SHANA JAHNKE
IRS990/Form990PartVIISectionAGrp/PersonNm8CHRISTOPHER MOSS
IRS990/Form990PartVIISectionAGrp/PersonNm9VICKI OWENS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt792942
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8148258
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt988234
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/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF OPERATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO (CURRENT)
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF ADMINISTRATIVE OFFIC
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0945
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt03000
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0143891
IRS990/GrossReceiptsAmt05443451
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0359644
IRS990/InsuranceGrp/TotalAmt040678
IRS990/InterestGrp/TotalAmt0215549
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0710647
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0710647
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03805577
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02723218
IRS990/IRPDocumentCnt01343
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01351723
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05464829
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05531300
IRS990/LandBldgEquipCostOrOtherBssAmt06883023
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0142946
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0EXCELLENT MEMBER SERVICE IS, AND WILL CONTINUE TO BE, THE PRIMARY MISSION OF COMMUNITY FINANCIAL CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt05000000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt05000000
IRS990/NetAssetsOrFundBalancesBOYAmt07580424
IRS990/NetAssetsOrFundBalancesEOYAmt07814479
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0945
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0945
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt04448
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0244600
IRS990/OfficeExpensesGrp/TotalAmt0198701
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03062997
IRS990/OtherAssetsTotalGrp/EOYAmt03686980
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0121521
IRS990/OtherExpensesGrp/Desc0DIVIDENDS & INTEREST ON
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/TotalAmt0602542
IRS990/OtherExpensesGrp/TotalAmt1299930
IRS990/OtherExpensesGrp/TotalAmt2124765
IRS990/OtherExpensesGrp/TotalAmt324353
IRS990/OtherLiabilitiesGrp/BOYAmt075284360
IRS990/OtherLiabilitiesGrp/EOYAmt072948850
IRS990/OtherSalariesAndWagesGrp/TotalAmt01199714
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt055824045
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt057026981
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0121767
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt023780
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0218153
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0314896
IRS990/PrincipalOfficerNm0CHRISTOPHER MOSS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03311817
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11209249
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03311817
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11217285
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt240317
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt08036
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt140317
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, LOANS OUTSTANDING TOTALED $56,826,789, INCLUDING LOAN PARTICIPATIONS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON DEPOSITS TOTALING $602,539 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt015200
IRS990/PYInvestmentIncomeAmt0500028
IRS990/PYOtherExpensesAmt02797502
IRS990/PYOtherRevenueAmt020343
IRS990/PYProgramServiceRevenueAmt04213358
IRS990/PYRevenuesLessExpensesAmt0271478
IRS990/PYSalariesCompEmpBnftPaidAmt01649549
IRS990/PYTotalExpensesAmt04462251
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04733729
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0417194
IRS990/ReconcilationRevenueExpnssAmt0229607
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt019494
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt019494
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07580424
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07814479
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018547020
IRS990/SavingsAndTempCashInvstGrp/EOYAmt015428285
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt0800
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0431310069
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CUPAC OF MISSOURI
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt0800
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0223 MADISON STREET
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0JEFFERSON CITY
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0MO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd065101
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTED TO A CREDIT UNION POLITICAL ACTION COMMITTEE.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-B, LINE 4B:
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04009832
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0266237
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04276069
IRS990ScheduleD/EquipmentGrp/BookValueAmt0541687
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01085486
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01627173
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0979781
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0979781
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072948850
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05531300
IRS990ScheduleD/TotalLiabilityAmt072948850
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0148258
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt01038
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt02342
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTOPHER MOSS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO (CURRENT)
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0151638
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING VARIOUS INFORMATION INCLUDING COMPENSATION SURVEYS AND INPUT FROM THE COMPENSATION COMMITTEE. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION OPENEND THE FIRST IN THE STATE, HIGH SCHOOL BRANCH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY CREDIT UNION MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON AN ANNUAL BASIS, ALL VOLUNTEERS, INCLUDING BOARD MEMBERS, ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING VARIOUS INFORMATION, INCLUDING THE COMPEASE SALARY ADMINISTRATION PROGRAM AND CUNA SALARY SURVEY. COMPENSATION FOR ALL OTHER MANAGEMENT IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL 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/ExplanationTxt8OTHER PROFESSIONAL & OUTSIDE SERVICES 233,759. DEBIT, VISA & ATM EXPENSES 446,753.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd01
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt088669976
IRS990/TotalAssetsEOYAmt086217150
IRS990/TotalAssetsGrp/BOYAmt088669976
IRS990/TotalAssetsGrp/EOYAmt086217150
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt027
IRS990/TotalFunctionalExpensesGrp/TotalAmt05070898
IRS990/TotalGrossUBIAmt048353
IRS990/TotalLiabilitiesBOYAmt081089552
IRS990/TotalLiabilitiesEOYAmt078402671
IRS990/TotalLiabilitiesGrp/BOYAmt081089552
IRS990/TotalLiabilitiesGrp/EOYAmt078402671
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07580424
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07814479
IRS990/TotalOtherCompensationAmt015639
IRS990/TotalProgramServiceRevenueAmt04569419
IRS990/TotalReportableCompFromOrgAmt0329434
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05252152
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05300505
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt048353
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt088669976
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt086217150
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt026777
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02624 W REPUBLIC ROAD
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0658074070
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.VOLTCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTOPHER MOSS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04178620471
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VOLT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0VOLT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.