Liabilities / Assets
61st percentile
Higher debt load relative to assets than 61% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
78th percentile
Higher debt load relative to revenue than 78% of similar nonprofits.
Net Margin
18th percentile
Higher net margin than 18% of similar nonprofits.
Top Officer Pay
25th percentile
Higher top officer pay than 25% of similar nonprofits.
Top officer pay equals 4.6% of source-year revenue.
Asset Growth
32nd percentile
Faster asset growth than 32% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$57,404,797
Up $193,598 (+0.3%) from 2012
Net Assets
Up$5,615,383
Up $30,971 (+0.6%) from 2012
Liabilities
Up$51,789,414
Up $162,627 (+0.3%) from 2012
Revenue And Expenses
Revenue
$2,306,829
No earlier filing loaded for comparison.
Expenses
Down$2,275,858
Down $138,722 (-5.7%) from 2012
Net Income
$30,971
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Nov 13, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $2,306,829
Mission and Program Overview
Mission
Our mission is to help members build long-term financial security.
The credit union's mission is to help members build long-term financial security.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $20,434,843 | $21,354,153 | ▲ $919,310 |
| Savings and Temporary Cash Investments | $19,690,550 | $16,791,811 | ▼ $2,898,739 |
| Investments Other Securities | $13,800,000 | $16,100,000 | ▲ $2,300,000 |
| Rtn Earn Endowment Incm Other Fnds | $5,584,412 | $5,615,383 | ▲ $30,971 |
| Land, Buildings, and Equipment, Net | $1,446,462 | $1,364,807 | ▼ $81,655 |
| Cash and Non-Interest-Bearing Accounts | $1,030,555 | $1,019,949 | ▼ $10,606 |
| Prepaid Expenses and Deferred Charges | $134,982 | $128,650 | ▼ $6,332 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $57,211,199 | $57,404,797 | ▲ $193,598 |
| Other Assets Total | $673,807 | $645,427 | ▼ $28,380 |
| Liabilities | |||
| Other Liabilities | $51,424,955 | $51,624,763 | ▲ $199,808 |
| Accounts Payable and Accrued Expenses | $201,832 | $164,651 | ▼ $37,181 |
| Total Liabilities | $51,626,787 | $51,789,414 | ▲ $162,627 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,584,412 | $5,615,383 | ▲ $30,971 |
| Total Liabilities and Net Assets / Fund Balance | $57,211,199 | $57,404,797 | ▲ $193,598 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $918,931 | $922,528 | $1,841,459 |
| Equipment | $118,402 | $1,045,584 | $1,163,986 |
| Land | $327,474 | - | $327,474 |
| Other Securities | $16,100,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Cathy Stroud | President | FT | $105,985 | $105,985 |
Board Members and Trustees
| Name | Title |
|---|---|
| Bill Jameson | Chairman |
| Lisa Alexander | Vice-chairman |
| Darrell Decker | Director |
| Mark Rosenauer | Director |
| Randy Tucker | Director |
| Jude Griesemer | Secretary |
| Bill Anderson | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,848,867
- Investment Income
- $457,962
- Other Revenue
- $0
- Change in Net Assets
- $30,971
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,207,491 |
| Salaries, Compensation, and Employee Benefits | $1,068,367 |
| 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 | - | - | - | $856,911 |
| Fees for Services Other | - | - | - | $398,038 |
| Other Employee Benefits | - | - | - | $128,191 |
| Occupancy | - | - | - | $113,097 |
| Depreciation Depletion | - | - | - | $108,058 |
| All Other Expenses | - | - | - | $102,490 |
| Advertising | - | - | - | $81,102 |
| Office Expenses | - | - | - | $80,543 |
| Payroll Taxes | - | - | - | $71,687 |
| Other Expenses | - | - | - | $34,835 |
| Insurance | - | - | - | $33,160 |
| Fees for Services Accounting | - | - | - | $17,870 |
| Pension Plan Contributions | - | - | - | $11,578 |
| Travel | - | - | - | $2,201 |
| Fees for Services Legal | - | - | - | $1,247 |
| Total Functional Expenses | $0 | $0 | $0 | $2,275,858 |
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 |
|---|---|
| Member Share Deposits | $51,624,763 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- 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 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
“Significant changes such as mergers and changes to bylaws 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 11
“The supervisory committee selects/approves the accounting firm to complete the return. The responsibility for reviewing the 990 is delegated to the president.”
Form 990, Part VI, Section B, Line 12C
“The policy is reviewed annually with the board of directors. No conflicts were discovered as reviewed by management. Beginning in 2013 following the election of officers, a signed conflict of interest statement will be gathered from each credit union volunteer stating that there are not conflicts.”
Form 990, Part VI, Section B, Line 15
“Cfcu utilizes an independent firm to provide compensation information. The compensation levels are provided to the board chairman who in turn presents the information to the entire board. The board of directors relies on an independent compensation consultant, using the compease program, to determine the president's compensation. 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.”
Form 990, Part VI, Section C, Line 19
“Financial statements are posted in the branch offices, presented at the annual membership 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
- EIN
- 44-0444090
- Phone
- 4178620471
Signing Officer
- Name
- Cathy Stroud
- Title
- President
- Phone
- 4178620471
- Signed
- 2014-11-13
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Loretta a Roney
- Formed
- 1935
- Legal Domicile
- Mo
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 25
- Volunteers
- 9
Preparer
- Preparer
- John E Preston CPA
- Phone
- 3148456050
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“OTHER FEES 398,038.”
FORM 990, PART XII, LINE 2C:
“When a contract expires for audit services, at least two companies are reviewed to determine the method and cost of the service. References are also requested. The supervisory committee reviews the information and makes a recommendation to the board of directors.”
Raw XML Appendix364 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 164651 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION'S MISSION IS TO HELP MEMBERS BUILD LONG-TERM FINANCIAL SECURITY. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 81102 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 102490 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4178620471 |
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| IRS990/BooksInCareOfDetail/USAddress/State | 0 | MO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 65801 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1030555 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1019949 |
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| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
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| IRS990/CompensationProcessCEOInd | 0 | 1 |
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| 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 | 457962 |
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| IRS990/CYRevenuesLessExpensesAmt | 0 | 30971 |
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| IRS990/CYTotalExpensesAmt | 0 | 2275858 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2306829 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 108058 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,325 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
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| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 25 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 17870 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1247 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 398038 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 45.00 |
| 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/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/PersonNm | 0 | BILL JAMESON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | LISA ALEXANDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JUDE GRIESEMER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BILL ANDERSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARK ROSENAUER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RANDY TUCKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DARRELL DECKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | CATHY STROUD |
| 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 | 105985 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 2306829 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 33160 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 457962 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 457962 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 13800000 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 16100000 |
| IRS990/IRPDocumentCnt | 0 | 1103 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1968112 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1446462 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1364807 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3332919 |
| IRS990/LegalDomicileStateCd | 0 | MO |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | OUR MISSION IS TO HELP MEMBERS BUILD LONG-TERM FINANCIAL SECURITY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5584412 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5615383 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -8050 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 113097 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 80543 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 673807 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 645427 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 128191 |
| IRS990/OtherExpensesGrp/Desc | 0 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBERS INSURANCE |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | STATIONERY AND SUPPLIES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 153975 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 41859 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 39016 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 34835 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 51424955 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 51624763 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 856911 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 20434843 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 21354153 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 71687 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 11578 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 134982 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 128650 |
| IRS990/PrincipalOfficerNm | 0 | LORETTA A RONEY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1048856 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 789364 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1048856 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 789364 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 10647 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 10647 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. NET LOANS OUTSANDING AT DECEMBER 31ST WERE $21,354,153. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $153,975 FOR THE YEAR. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 153975 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 636188 |
| IRS990/PYOtherExpensesAmt | 0 | 1317505 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1895892 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 117500 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1097075 |
| IRS990/PYTotalExpensesAmt | 0 | 2414580 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2532080 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 30971 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5584412 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5615383 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 19690550 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 16791811 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 918931 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 922528 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1841459 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 118402 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1045584 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1163986 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 327474 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 327474 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 51624763 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 16100000 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | INVESTMENTS IN DEBT SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1364807 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 16100000 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 51624763 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IndependentConsultantInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE SUPERVISORY COMMITTEE SELECTS/APPROVES THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE POLICY IS REVIEWED ANNUALLY WITH THE BOARD OF DIRECTORS. NO CONFLICTS WERE DISCOVERED AS REVIEWED BY MANAGEMENT. BEGINNING IN 2013 FOLLOWING THE ELECTION OF OFFICERS, A SIGNED CONFLICT OF INTEREST STATEMENT WILL BE GATHERED FROM EACH CREDIT UNION VOLUNTEER STATING THAT THERE ARE NOT CONFLICTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | CFCU UTILIZES AN INDEPENDENT FIRM TO PROVIDE COMPENSATION INFORMATION. THE COMPENSATION LEVELS ARE PROVIDED TO THE BOARD CHAIRMAN WHO IN TURN PRESENTS THE INFORMATION TO THE ENTIRE BOARD. THE BOARD OF DIRECTORS RELIES ON AN INDEPENDENT COMPENSATION CONSULTANT, USING THE COMPEASE PROGRAM, TO DETERMINE THE PRESIDENT'S COMPENSATION. 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL STATEMENTS ARE POSTED IN THE BRANCH OFFICES, PRESENTED AT THE ANNUAL MEMBERSHIP 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/ExplanationTxt | 7 | OTHER FEES 398,038. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | WHEN A CONTRACT EXPIRES FOR AUDIT SERVICES, AT LEAST TWO COMPANIES ARE REVIEWED TO DETERMINE THE METHOD AND COST OF THE SERVICE. REFERENCES ARE ALSO REQUESTED. THE SUPERVISORY COMMITTEE REVIEWS THE INFORMATION AND MAKES A RECOMMENDATION TO THE BOARD OF DIRECTORS. |
| 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 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 57211199 |
| IRS990/TotalAssetsEOYAmt | 0 | 57404797 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 57211199 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 57404797 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 25 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2275858 |
| IRS990/TotalGrossUBIAmt | 0 | 10647 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 51626787 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 51789414 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 51626787 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 51789414 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5584412 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5615383 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 153975 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1848867 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 105985 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 457962 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1838220 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2306829 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 10647 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 57211199 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 57404797 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 2201 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 815 W TAMPA PO BOX 1217 |
| IRS990/USAddress/City | 0 | SPRINGFIELD |
| IRS990/USAddress/State | 0 | MO |
| IRS990/USAddress/ZIPCode | 0 | 65801 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | COMMUNITYFINANCIAL.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | CATHY STROUD |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4178620471 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-11-13 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | COMMUNITY FINANCIAL CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | COMM |
| ReturnHeader/Filer/EIN | 0 | 440444090 |
| ReturnHeader/Filer/PhoneNum | 0 | 4178620471 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 815 W TAMPA POST OFFICE BOX 1217 |
| ReturnHeader/Filer/USAddress/City | 0 | SPRINGFIELD |
| ReturnHeader/Filer/USAddress/State | 0 | MO |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 658011217 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 431738226 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | CUMMINGS RISTAU & ASSOCIATES PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 13023 TESSON FERRY ROAD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | ST LOUIS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | MO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 63128 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3148456050 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOHN E PRESTON CPA |
| ReturnHeader/ReturnTs | 0 | 2014-11-17T19:25:02-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $57,404,797
- Liabilities
- $51,789,414
- Net assets
- $5,615,383
- Revenue
- $2,306,829
- Expenses
- $2,275,858
- Net income
- $30,971