Civic Intelligence

Volt Credit Union

990 • Fiscal year 2014 • EIN 44-0444090

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 10, 2015

Organization ProfileCOMMUNITYFINANCIAL.ORG

View Organization Page

815 W Tampa Post Office Box 1217Springfield, MO 65801-1217

(417) 862-0471

Siviq Scores

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

Liabilities / Assets

74th percentile

0.91x

Higher debt load relative to assets than 74% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

75th percentile

22.60x

Higher debt load relative to revenue than 75% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

17th percentile

1.0%

Higher net margin than 17% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

5th percentile

$58,187

Higher top officer pay than 5% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

63rd percentile

3.9%

Faster asset growth than 63% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

71st percentile

3.6%

Faster revenue growth than 71% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$59,636,330

Up $2,231,533 (+3.9%) from 2013

Net Assets

Up

$5,638,901

Up $23,518 (+0.4%) from 2013

Liabilities

Up

$53,997,429

Up $2,208,015 (+4.3%) from 2013

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin17th percentile

Revenue

Up

$2,388,813

Up $81,984 (+3.6%) from 2013

Expenses

Up

$2,365,295

Up $89,437 (+3.9%) from 2013

Net Income

Down

$23,518

Down $7,453 (-24%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$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

2014

Assets$59,636,330
Liabilities$53,997,429
Net Assets$5,638,901
Open 2014 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income across loaded years, with this 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

2014

Revenue$2,388,813
Expenses$2,365,295
Net Income$23,518
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 10, 2015
Return Version
2014v5.0
Gross Receipts
$2,388,813
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
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,354,153$26,637,822▲ $5,283,669
Savings and Temporary Cash Investments$16,791,811$16,266,724▼ $525,087
Investments Other Securities$16,100,000$13,397,345▼ $2,702,655
Rtn Earn Endowment Incm Other Fnds$5,615,383$5,638,901▲ $23,518
Land, Buildings, and Equipment, Net$1,364,807$1,304,677▼ $60,130
Cash and Non-Interest-Bearing Accounts$1,019,949$933,240▼ $86,709
Prepaid Expenses and Deferred Charges$128,650$434,838▲ $306,188
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$57,404,797$59,636,330▲ $2,231,533
Other Assets Total$645,427$661,684▲ $16,257
Liabilities
Other Liabilities$51,624,763$53,799,001▲ $2,174,238
Accounts Payable and Accrued Expenses$164,651$198,428▲ $33,777
Total Liabilities$51,789,414$53,997,429▲ $2,208,015
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,615,383$5,638,901▲ $23,518
Total Liabilities and Net Assets / Fund Balance$57,404,797$59,636,330▲ $2,231,533

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$609,525$1,239,872$1,849,397
Equipment$367,678$747,914$1,115,592
Land$327,474-$327,474
Other Securities$13,397,345--
Compensation and Service Providers
Top Officer Pay5th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Loretta RoneyPresident / CEOFT$58,187$58,187
Cathy StroudPresident (former)FT$46,745$46,745

Board Members and Trustees

NameTitle
Bill JamesonChairman
Randy TuckerVice Chairman
Charlie JohnsonBoard Member
Darrell DeckerBoard Member
Mark RosenauerBoard Member
Lisa AlexanderSecretary
Bill AndersonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,038,542
Investment Income
$350,271
Other Revenue
$0
Change in Net Assets
$23,518

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,388,813
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,388,813
Total Revenue per Form 990
$2,388,813
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,342,595
Salaries, Compensation, and Employee Benefits$1,022,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$834,999
Fees for Services Other---$438,242
Other Employee Benefits---$101,495
Depreciation Depletion---$100,540
Occupancy---$99,086
Advertising---$92,288
Office Expenses---$89,924
All Other Expenses---$72,805
Payroll Taxes---$67,344
Other Expenses---$36,570
Insurance---$30,880
Fees for Services Accounting---$19,876
Pension Plan Contributions---$18,862
Travel---$18,069
Fees for Services Legal---$8,471
Total Functional Expenses$0$0$0$2,365,295

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,365,295
Total Expenses per Audited Statements$2,365,295
Total Expenses per Form 990$2,365,295
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 ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$53,799,001
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

Filer Name
Community Financial Credit Union
EIN
44-0444090
Phone
4178620471
Address
815 W TAMPA POST OFFICE BOX 1217, SPRINGFIELD, MO 65801-1217

Signing Officer

Name
Loretta Roney
Title
President
Phone
4178620471
Signed
2015-11-10
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
27
Volunteers
9

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

“OTHER FEES 438,242.”

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 Appendix379 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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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01209342
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1817905
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01209342
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1817905
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt211295
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt011295
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. NET LOANS OUTSANDING AT DECEMBER 31ST WERE $26,637,822.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $140,673 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0457962
IRS990/PYOtherExpensesAmt01207491
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01848867
IRS990/PYRevenuesLessExpensesAmt030971
IRS990/PYSalariesCompEmpBnftPaidAmt01068367
IRS990/PYTotalExpensesAmt02275858
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02306829
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt023518
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05615383
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05638901
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016791811
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016266724
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0609525
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01239872
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01849397
IRS990ScheduleD/EquipmentGrp/BookValueAmt0367678
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0747914
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01115592
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02365295
IRS990ScheduleD/LandGrp/BookValueAmt0327474
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0327474
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt053799001
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt013397345
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS IN DEBT SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02388813
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01304677
IRS990ScheduleD/TotalBookValueSecuritiesAmt013397345
IRS990ScheduleD/TotalExpensesPerForm990Amt02365295
IRS990ScheduleD/TotalLiabilityAmt053799001
IRS990ScheduleD/TotalRevenuePerForm990Amt02388813
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02388813
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02365295
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SIGNIFICANT 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/ExplanationTxt3THE SUPERVISORY COMMITTEE SELECTS/APPROVES THE ACCOUNTING FIRM TO COMPLETE THE RETURN. THE RESPONSIBILITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5CFCU 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/ExplanationTxt6FINANCIAL 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/ExplanationTxt7OTHER FEES 438,242.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8WHEN 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/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt057404797
IRS990/TotalAssetsEOYAmt059636330
IRS990/TotalAssetsGrp/BOYAmt057404797
IRS990/TotalAssetsGrp/EOYAmt059636330
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt027
IRS990/TotalFunctionalExpensesGrp/TotalAmt02365295
IRS990/TotalGrossUBIAmt011295
IRS990/TotalLiabilitiesBOYAmt051789414
IRS990/TotalLiabilitiesEOYAmt053997429
IRS990/TotalLiabilitiesGrp/BOYAmt051789414
IRS990/TotalLiabilitiesGrp/EOYAmt053997429
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05615383
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05638901
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt02038542
IRS990/TotalReportableCompFromOrgAmt0104932
IRS990/TotalRevenueGrp/ExclusionAmt0350271
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02027247
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02388813
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt011295
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt057404797
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt059636330
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt018069
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0815 W TAMPA PO BOX 1217
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065801
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0COMMUNITYFINANCIAL.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LORETTA RONEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04178620471
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0440444090
ReturnHeader/Filer/PhoneNum04178620471
ReturnHeader/Filer/USAddress/AddressLine1Txt0815 W TAMPA POST OFFICE BOX 1217
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0658011217
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431738226
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CUMMINGS RISTAU & ASSOCIATES PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt013023 TESSON FERRY ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ST LOUIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063128
ReturnHeader/PreparerPersonGrp/PhoneNum03148456050
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOHN E PRESTON CPA
ReturnHeader/ReturnTs02015-11-12T16:35:50-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$59,636,330
Liabilities
$53,997,429
Net assets
$5,638,901
Revenue
$2,388,813
Expenses
$2,365,295
Net income
$23,518
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
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