Liabilities / Assets
67th percentile
Higher debt load relative to assets than 67% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
67th percentile
Higher debt load relative to assets than 67% of similar nonprofits.
Liabilities / Revenue
48th percentile
Higher debt load relative to revenue than 48% of similar nonprofits.
Net Margin
35th percentile
Higher net margin than 35% of similar nonprofits.
Top Officer Pay
57th percentile
Higher top officer pay than 57% of similar nonprofits.
Top officer pay equals 4.5% of source-year revenue.
Asset Growth
48th percentile
Faster asset growth than 48% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Assets
Up$65,015,176
Up $946,903 (+1.5%) from 2017
Net Assets
Up$6,647,646
Up $250,078 (+3.9%) from 2017
Liabilities
Up$58,367,530
Up $696,825 (+1.2%) from 2017
Revenue
Down$3,350,690
Down $149,867 (-4.3%) from 2017
Expenses
Up$3,092,401
Up $192,623 (+6.6%) from 2017
Net Income
Down$258,289
Down $342,490 (-57%) from 2017
Our mission is to help members build long-term financial security.
The credit union exists to help members build long-term financial security.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $35,838,497 | $41,928,434 | ▲ $6,089,937 |
| Savings and Temporary Cash Investments | $19,517,459 | $14,739,573 | ▼ $4,777,886 |
| Rtn Earn Endowment Incm Other Fnds | $6,397,568 | $6,647,646 | ▲ $250,078 |
| Investments Other Securities | $5,273,872 | $2,421,344 | ▼ $2,852,528 |
| Land, Buildings, and Equipment, Net | $1,394,613 | $2,408,998 | ▲ $1,014,385 |
| Cash and Non-Interest-Bearing Accounts | $873,783 | $985,600 | ▲ $111,817 |
| Prepaid Expenses and Deferred Charges | $253,467 | $126,551 | ▼ $126,916 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $64,068,273 | $65,015,176 | ▲ $946,903 |
| Other Assets Total | $916,582 | $2,404,676 | ▲ $1,488,094 |
| Liabilities | |||
| Other Liabilities | $57,340,806 | $58,098,982 | ▲ $758,176 |
| Accounts Payable and Accrued Expenses | $329,899 | $255,289 | ▼ $74,610 |
| Escrow Account Liability | - | $13,259 | - |
| Total Liabilities | $57,670,705 | $58,367,530 | ▲ $696,825 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,397,568 | $6,647,646 | ▲ $250,078 |
| Total Liabilities and Net Assets / Fund Balance | $64,068,273 | $65,015,176 | ▲ $946,903 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $1,212,537 | $845,823 | $2,058,360 |
| Equipment | $337,580 | $908,991 | $1,246,571 |
| Land | $858,881 | - | $858,881 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Loretta Roney | President / CEO | FT | $129,501 | $20,210 | $149,711 |
| Name | Title |
|---|---|
| Bill Jameson | Chairman |
| Randy Tucker | Vice Chairman |
| Charles Johnson | Director |
| Lisa Alexander | Director |
| Mark Rosenauer | Director |
| Laurie Peeters | Secretary |
| Darrell Decker | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Federal Protection Construction | Construction | 2500 N AIRPORT COMMERCE DR, Springfield, MO 65802 | $537,314 |
| Line Item | Amount |
|---|---|
| Other Expenses | $1,738,564 |
| Salaries, Compensation, and Employee Benefits | $1,350,837 |
| Grants and Similar Amounts Paid | $3,000 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $949,486 |
| Fees for Services Other | - | - | - | $381,866 |
| Advertising | - | - | - | $226,382 |
| Information Technology | - | - | - | $207,801 |
| Office Expenses | - | - | - | $160,750 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $149,711 |
| Other Employee Benefits | - | - | - | $128,770 |
| Occupancy | - | - | - | $103,758 |
| Depreciation Depletion | - | - | - | $97,982 |
| Payroll Taxes | - | - | - | $86,261 |
| Pension Plan Contributions | - | - | - | $36,609 |
| Other Expenses | - | - | - | $29,429 |
| Insurance | - | - | - | $26,643 |
| Fees for Services Accounting | - | - | - | $25,676 |
| Travel | - | - | - | $23,650 |
| Conferences and Meetings | - | - | - | $19,792 |
| All Other Expenses | - | - | - | $16,310 |
| Fees for Services Legal | - | - | - | $11,350 |
| Grants to Domestic Individuals | - | - | - | $3,000 |
| Interest | - | - | - | $20 |
| Total Functional Expenses | $0 | $0 | $0 | $3,092,401 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share Deposits | $58,098,982 |
“In 2018, the credit union's name was changed from "community financial credit union" to "volt credit union." an ammendment to the by-laws was filed with and approved by the state of missouri.”
“The credit union is mutually owned by members.”
“The board of directors are elected by the credit union members.”
“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”
“The president/ceo reviews the form 990 before filing.”
“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.”
“The board of directors reviews the president's performance and determines compensation using various information, including the compease salary administration program. 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.”
“Financial statements are presented at the annual meeting and 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.”
“In 2018, the credit union began construction of the new headquarters building.”
“Debit card, visa & atm expenses 254,314. Consulting fees 30,577. Other fees 96,975.”
“The credit union provides debt management counseling services to members through the northwest project and oacac. In addition, escrow funds are maintained for expenses related to member mortgages serviced by truhome.”
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 | 329899 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 255289 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE CREDIT UNION EXISTS TO HELP MEMBERS BUILD LONG-TERM FINANCIAL SECURITY. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 226382 |
| IRS990/AllOtherContributionsAmt | 0 | 4963 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 16310 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | LORETTA RONEY |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4178620471 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2624 W REPUBLIC RD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 658074070 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 873783 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 985600 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 149711 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 19792 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 537314 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 2500 N AIRPORT COMMERCE DR |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 65802 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | FEDERAL PROTECTION CONSTRUCTION |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | CONSTRUCTION |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 4963 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 3000 |
| IRS990/CYInvestmentIncomeAmt | 0 | 395103 |
| IRS990/CYOtherExpensesAmt | 0 | 1738564 |
| IRS990/CYOtherRevenueAmt | 0 | 22410 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2928214 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 258289 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1350837 |
| IRS990/CYTotalExpensesAmt | 0 | 3092401 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 3350690 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 97982 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 7,048 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 28 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 13259 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 25676 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 11350 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 381866 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| 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 | 20210 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | BILL JAMESON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RANDY TUCKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | LAURIE PEETERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DARRELL DECKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARK ROSENAUER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | LISA ALEXANDER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | CHARLES JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | LORETTA RONEY |
| 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 | 129501 |
| 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/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| 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 / CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 3000 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 3350690 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 207801 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 26643 |
| IRS990/InterestGrp/TotalAmt | 0 | 20 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 395103 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 395103 |
| IRS990/InvestmentInJointVentureInd | 0 | 1 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 5273872 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 2421344 |
| IRS990/IRPDocumentCnt | 0 | 1462 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1754814 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1394613 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2408998 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 4163812 |
| 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 | EXCELLENT MEMBER SERVICE IS, AND WILL CONTINUE TO BE, THE PRIMARY MISSION OF COMMUNITY FINANCIAL CREDIT UNION. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6397568 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6647646 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -8211 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 103758 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 160750 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 916582 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2404676 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 128770 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | DUES & SUBSCRIPTIONS |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 193518 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 123523 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 90114 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 29429 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 57340806 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 58098982 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 949486 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 35838497 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 41928434 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 86261 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 36609 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 253467 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 126551 |
| IRS990/PrincipalOfficerNm | 0 | LORETTA RONEY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | WARRANTY SALES |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1995094 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 904553 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1995094 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 904553 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 19515 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 9052 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 19515 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 9052 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 4,277 LOANS OUTSTANDING TOTALING $42,119,752. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $123,523 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 711079 |
| IRS990/PYOtherExpensesAmt | 0 | 1647463 |
| IRS990/PYOtherRevenueAmt | 0 | 22862 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2766616 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 600779 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1252315 |
| IRS990/PYTotalExpensesAmt | 0 | 2899778 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 3500557 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 258289 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 22410 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 22410 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6397568 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 6647646 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 19517459 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14739573 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 1212537 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 845823 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2058360 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 337580 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 908991 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1246571 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 858881 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 858881 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 58098982 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION PROVIDES DEBT MANAGEMENT COUNSELING SERVICES TO MEMBERS THROUGH THE NORTHWEST PROJECT AND OACAC. IN ADDITION, ESCROW FUNDS ARE MAINTAINED FOR EXPENSES RELATED TO MEMBER MORTGAGES SERVICED BY TRUHOME. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part IV, Line 2b: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2408998 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 58098982 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | IN 2018, THE CREDIT UNION BEGAN CONSTRUCTION OF THE NEW HEADQUARTERS BUILDING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | IN 2018, THE CREDIT UNION'S NAME WAS CHANGED FROM "COMMUNITY FINANCIAL CREDIT UNION" TO "VOLT CREDIT UNION." AN AMMENDMENT TO THE BY-LAWS WAS FILED WITH AND APPROVED BY THE STATE OF MISSOURI. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE PRESIDENT/CEO REVIEWS THE FORM 990 BEFORE FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING VARIOUS INFORMATION, INCLUDING THE COMPEASE SALARY ADMINISTRATION PROGRAM. 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/ExplanationTxt | 8 | FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND 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 | 9 | DEBIT CARD, VISA & ATM EXPENSES 254,314. CONSULTING FEES 30,577. OTHER FEES 96,975. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part III, line 2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section A, line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section B, line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990, Part VI, Section C, line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990, Part IX, line 11g |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 1 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 64068273 |
| IRS990/TotalAssetsEOYAmt | 0 | 65015176 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 64068273 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 65015176 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 4963 |
| IRS990/TotalEmployeeCnt | 0 | 28 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 3092401 |
| IRS990/TotalGrossUBIAmt | 0 | 28567 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 57670705 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 58367530 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 57670705 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 58367530 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 6397568 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6647646 |
| IRS990/TotalOtherCompensationAmt | 0 | 20210 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2928214 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 129501 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3317160 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 3350690 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 28567 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 64068273 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 65015176 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 23650 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | PO BOX 1217 |
| IRS990/USAddress/CityNm | 0 | SPRINGFIELD |
| IRS990/USAddress/StateAbbreviationCd | 0 | MO |
| IRS990/USAddress/ZIPCd | 0 | 658011217 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.VOLTCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| IRS990/WrittenPolicyOrProcedureInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | LORETTA RONEY |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4178620471 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-09-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | VOLT CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | VOLT |
| ReturnHeader/Filer/EIN | 0 | 440444090 |
| ReturnHeader/Filer/PhoneNum | 0 | 4178620471 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 1217 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | SPRINGFIELD |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 658011217 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 90B5988E53CBDDD12AFD5F67CACC6EB659604036 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 97.87.82.114 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2019-09-09 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 16:11:59 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 810781371 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | J TENBRINK & ASSOCIATES |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 11272 S RIDGEVIEW RD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | OLATHE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 66061 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9138946214 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JERRY TENBRINK |
| ReturnHeader/ReturnTs | 0 | 2019-09-09T16:12:10-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.