Civic Intelligence

Blucurrent Credit Union

990 • Fiscal year 2013 • EIN 44-0444275

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 14, 2014

Organization ProfileWWW.POSTALFED.ORG

View Organization Page

1770 West Sunset StreetSpringfield, MO 65807

(417) 887-1983

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.92x

Higher debt load relative to assets than 83% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

30th percentile

15.70x

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

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

21st percentile

3.9%

Higher net margin than 21% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$124,000

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

48th percentile

2.5%

Faster asset growth than 48% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$145,602,826

Up $3,537,651 (+2.5%) from 2012

Net Assets

Up

$11,854,153

Up $154,747 (+1.3%) from 2012

Liabilities

Up

$133,748,673

Up $3,382,904 (+2.6%) from 2012

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin21st percentile

Revenue

$8,516,960

No earlier filing loaded for comparison.

Expenses

Up

$8,187,341

Up $527,043 (+6.9%) from 2012

Net Income

$329,619

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$400M$300M$200M$100M$0Assets 2010: $128,554,582Liabilities 2010: $117,847,907Net Assets 2010: $10,706,6752010Assets 2012: $142,065,175Liabilities 2012: $130,365,769Net Assets 2012: $11,699,4062012Assets 2013: $145,602,826Liabilities 2013: $133,748,673Net Assets 2013: $11,854,1532013Assets 2014: $145,456,681Liabilities 2014: $133,509,793Net Assets 2014: $11,946,8882014Assets 2015: $155,744,571Liabilities 2015: $142,811,539Net Assets 2015: $12,933,0322015Assets 2016: $170,306,854Liabilities 2016: $156,035,058Net Assets 2016: $14,271,7962016Assets 2017: $176,905,884Liabilities 2017: $161,155,721Net Assets 2017: $15,750,1632017Assets 2018: $185,318,296Liabilities 2018: $167,725,210Net Assets 2018: $17,593,0862018Assets 2019: $201,227,445Liabilities 2019: $182,941,486Net Assets 2019: $18,285,9592019Assets 2020: $238,083,475Liabilities 2020: $217,617,077Net Assets 2020: $20,466,3982020Assets 2021: $274,770,544Liabilities 2021: $249,479,547Net Assets 2021: $25,290,9972021Assets 2022: $305,927,504Liabilities 2022: $276,275,366Net Assets 2022: $29,652,1382022Assets 2023: $320,940,650Liabilities 2023: $288,012,841Net Assets 2023: $32,927,8092023Assets 2024: $351,770,870Liabilities 2024: $314,387,937Net Assets 2024: $37,382,9332024

Highlighted filing

2013

Assets$145,602,826
Liabilities$133,748,673
Net Assets$11,854,153
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0Expenses 2010: $6,805,6432010Expenses 2012: $7,660,2982012Revenue 2013: $8,516,960Expenses 2013: $8,187,341Net Income 2013: $329,6192013Revenue 2014: $8,840,564Expenses 2014: $7,784,966Net Income 2014: $1,055,5982014Revenue 2015: $10,153,067Expenses 2015: $8,761,878Net Income 2015: $1,391,1892015Revenue 2016: $11,786,227Expenses 2016: $10,035,226Net Income 2016: $1,751,0012016Revenue 2017: $12,867,462Expenses 2017: $11,172,226Net Income 2017: $1,695,2362017Revenue 2018: $13,587,006Expenses 2018: $11,559,389Net Income 2018: $2,027,6172018Revenue 2019: $14,368,523Expenses 2019: $12,579,598Net Income 2019: $1,788,9252019Revenue 2020: $15,744,753Expenses 2020: $12,663,172Net Income 2020: $3,081,5812020Revenue 2021: $16,978,368Expenses 2021: $13,136,443Net Income 2021: $3,841,9252021Revenue 2022: $18,207,156Expenses 2022: $15,073,413Net Income 2022: $3,133,7432022Revenue 2023: $21,675,990Expenses 2023: $18,077,052Net Income 2023: $3,598,9382023Revenue 2024: $25,422,758Expenses 2024: $23,146,759Net Income 2024: $2,275,9992024

Highlighted filing

2013

Revenue$8,516,960
Expenses$8,187,341
Net Income$329,619
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 14, 2014
Return Version
2013v3.0
Gross Receipts
$8,516,960
Mission and Program Overview

Mission

Voluntary, cooperative, non-profit credit union for the purposes of encouraging thrift among its members, providing a source of credit at fair and reasonable rates of interest, providing for the mutual benefit and general welfare of its members with earnngs, savings, benefits and services.

Cooperative provider of financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$80,280,692$93,604,755▲ $13,324,063
Savings and Temporary Cash Investments$50,058,488$39,232,065▼ $10,826,423
Rtn Earn Endowment Incm Other Fnds$11,699,406$11,854,153▲ $154,747
Land, Buildings, and Equipment, Net$6,334,875$5,950,396▼ $384,479
Prepaid Expenses and Deferred Charges$736,829$3,193,606▲ $2,456,777
Cash and Non-Interest-Bearing Accounts$1,361,798$1,232,470▼ $129,328
Receivables From Officers Etc$476,858$622,189▲ $145,331
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$142,065,175$145,602,826▲ $3,537,651
Other Assets Total$2,815,635$1,767,345▼ $1,048,290
Liabilities
Other Liabilities$129,395,294$132,788,286▲ $3,392,992
Accounts Payable and Accrued Expenses$970,475$960,387▼ $10,088
Total Liabilities$130,365,769$133,748,673▲ $3,382,904
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,699,406$11,854,153▲ $154,747
Total Liabilities and Net Assets / Fund Balance$142,065,175$145,602,826▲ $3,537,651

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,283,599$1,839,087$6,122,686
Equipment$546,579$2,754,465$3,301,044
Land$1,120,218-$1,120,218
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Craig TaborChief Executive OfficerFT$124,000$124,000
Garry KirkExecutive Vice PresidentFT$89,348$89,348

Board Members and Trustees

NameTitle
David PhelpsChairman
Ralph TateVice Chairman
Charles HarrisDirector
David BailesDirector
Delbert SpenceDirector
Gary MasonDirector
James ShaneDirector
Joy JonesDirector
Howard House JrSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,108,690
Investment Income
$396,454
Other Revenue
$11,816
Change in Net Assets
$329,619

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,516,960
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$8,516,960
Total Revenue per Form 990
$8,516,960
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,396,280
Salaries, Compensation, and Employee Benefits$3,791,061
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,565,979
Office Expenses---$1,709,153
Fees for Services Other---$550,844
Interest---$365,252
Other Employee Benefits---$225,082
Other Expenses---$89,294
Total Functional Expenses$0$0$0$8,187,341

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$8,187,341
Total Expenses per Audited Statements$8,187,341
Total Expenses per Form 990$8,187,341
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$476,858$622,189▲ $145,331
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$131,601,771
Short Term Borrowings$1,186,515
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization is a credit union and the members of the credit union are the owners of the credit union.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by the members of the organization. All board members volunteer their services.”

Form 990, Part VI, Section A, Line 7B

“Decisions required by the by laws are subject to approval of the members by vote of the members.”

Form 990, Part VI, Section B, Line 11

“The form 990 is presented to the board before it is filed.”

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

“Annually the board reviews transactions and relationships with board members, officers and related persons that could give rise to conflicts of interest.”

Form 990, Part VI, Section C, Line 19

“The organization makes the governing documents, conflict of interest policy, financial statements and form 990 available to the the public at its corporate office free of charge. For the cost of reproducing and mailing, a copy will be sent via u.s. Mail upon written request.”

Filing and Contact Details

Filer

EIN
44-0444275
Phone
4178871983

Signing Officer

Name
Gary Kirk
Title
Senior Vice-president
Phone
4178871983
Signed
2014-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gary Kirk
Formed
1929
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
93
Volunteers
0

Preparer

Preparer
John E Preston CPA
Phone
3148456050
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 2C

“The auditor is selected by the audit committee via competitive bid.”

Raw XML AppendixShowing 400 of 459 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/BOYAmt0970475
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0960387
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF FINANCIAL SERVICES
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum04178871983
IRS990/BooksInCareOfDetail/USAddress/AddressLine101770 WEST SUNSET STREET
IRS990/BooksInCareOfDetail/USAddress/City0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/State0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode065807
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01361798
IRS990/CashNonInterestBearingGrp/EOYAmt01232470
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0396454
IRS990/CYOtherExpensesAmt04396280
IRS990/CYOtherRevenueAmt011816
IRS990/CYProgramServiceRevenueAmt08108690
IRS990/CYRevenuesLessExpensesAmt0329619
IRS990/CYSalariesCompEmpBnftPaidAmt03791061
IRS990/CYTotalExpensesAmt08187341
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt08516960
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/Desc0VOLUNTARY, COOPERATIVE, NON-PROFIT CREDIT UNION, INCORPORATED UNDER MISSOURI STATUTES FOR THE PURPOSES OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, PROVIDING FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS AND SERVICES BEING DISTRIBUTED TO ITS MEMBERS, FOR FINANCIAL AND FINANCIALLY-RELATED SERVICES, AND FOR AN OPPORTUNITY FOR ITS MEMBERS TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt093
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesOtherGrp/TotalAmt0550844
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0DAVID PHELPS
IRS990/Form990PartVIISectionAGrp/PersonNm1JOY JONES
IRS990/Form990PartVIISectionAGrp/PersonNm2HOWARD HOUSE JR
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVID BAILES
IRS990/Form990PartVIISectionAGrp/PersonNm4CHARLES HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm5GARY MASON
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES SHANE
IRS990/Form990PartVIISectionAGrp/PersonNm7DELBERT SPENCE
IRS990/Form990PartVIISectionAGrp/PersonNm8RALPH TATE
IRS990/Form990PartVIISectionAGrp/PersonNm9CRAIG TABOR
IRS990/Form990PartVIISectionAGrp/PersonNm10GARRY KIRK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9124000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1089348
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXECUTIVE VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt08516960
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InterestGrp/TotalAmt0365252
IRS990/InvestmentIncomeGrp/ExclusionAmt0396454
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0396454
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt03194
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04593552
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06334875
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05950396
IRS990/LandBldgEquipCostOrOtherBssAmt010543948
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0VOLUNTARY, COOPERATIVE, NON-PROFIT CREDIT UNION FOR THE PURPOSES OF ENCOURAGING THRIFT AMONG ITS MEMBERS, PROVIDING A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, PROVIDING FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH EARNNGS, SAVINGS, BENEFITS AND SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011699406
IRS990/NetAssetsOrFundBalancesEOYAmt011854153
IRS990/NetUnrelatedBusTxblIncmAmt0-39231
IRS990/NetUnrlzdGainsLossesInvstAmt0-174872
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt01709153
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02815635
IRS990/OtherAssetsTotalGrp/EOYAmt01767345
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0225082
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING AND MEMB
IRS990/OtherExpensesGrp/Desc1NCUSIF STABILIZATION EX
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3OTHER NONINTEREST OPERA
IRS990/OtherExpensesGrp/TotalAmt01156943
IRS990/OtherExpensesGrp/TotalAmt1424539
IRS990/OtherExpensesGrp/TotalAmt2100255
IRS990/OtherExpensesGrp/TotalAmt389294
IRS990/OtherLiabilitiesGrp/BOYAmt0129395294
IRS990/OtherLiabilitiesGrp/EOYAmt0132788286
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0NONMEMBER ATM SURCHARG
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt011816
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt011816
IRS990/OtherRevenueTotalAmt011816
IRS990/OtherSalariesAndWagesGrp/TotalAmt03565979
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt080280692
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt093604755
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0736829
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03193606
IRS990/PrincipalOfficerNm0GARY KIRK
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST & FEES ON LOA
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES TO MEM
IRS990/ProgramServiceRevenueGrp/Desc2DEBIT / CREDIT CARD IN
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04990731
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11388466
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2914167
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3696337
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4105947
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04990731
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11388466
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2914167
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3696337
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4105947
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0618036
IRS990/PYOtherExpensesAmt04259994
IRS990/PYOtherRevenueAmt023228
IRS990/PYProgramServiceRevenueAmt07333720
IRS990/PYRevenuesLessExpensesAmt0314686
IRS990/PYSalariesCompEmpBnftPaidAmt03400304
IRS990/PYTotalExpensesAmt07660298
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07974984
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0476858
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0622189
IRS990/ReconcilationRevenueExpnssAmt0329619
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011699406
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt011854153
IRS990/SavingsAndTempCashInvstGrp/BOYAmt050058488
IRS990/SavingsAndTempCashInvstGrp/EOYAmt039232065
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04283599
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01839087
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06122686
IRS990ScheduleD/EquipmentGrp/BookValueAmt0546579
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02754465
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03301044
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt08187341
IRS990ScheduleD/LandGrp/BookValueAmt01120218
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01120218
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0131601771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11186515
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHORT TERM BORROWINGS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08516960
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05950396
IRS990ScheduleD/TotalExpensesPerForm990Amt08187341
IRS990ScheduleD/TotalLiabilityAmt0132788286
IRS990ScheduleD/TotalRevenuePerForm990Amt08516960
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt08516960
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt08187341
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt08924
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt153445
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt263788
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt35456
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5288152
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt636315
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt716667
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8149442
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd70
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd80
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt013857
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1103349
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt282850
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt39988
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt485861
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5292000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt658250
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt726782
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt8161600
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RALPH TATE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1DAVID PHELPS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CHARLES HARRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3HOWARD HOUSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4GARY MASON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5GARY KIRK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6GARY KIRK
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7CRAIG TABOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8CRAIG TABOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd81
IRS990ScheduleL/TotalBalanceDueAmt0622189
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS A CREDIT UNION AND THE MEMBERS OF THE CREDIT UNION ARE THE OWNERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE MEMBERS OF THE ORGANIZATION. ALL BOARD MEMBERS VOLUNTEER THEIR SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS REQUIRED BY THE BY LAWS ARE SUBJECT TO APPROVAL OF THE MEMBERS BY VOTE OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS PRESENTED TO THE BOARD BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUALLY THE BOARD REVIEWS TRANSACTIONS AND RELATIONSHIPS WITH BOARD MEMBERS, OFFICERS AND RELATED PERSONS THAT COULD GIVE RISE TO CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, FINANCIAL STATEMENTS AND FORM 990 AVAILABLE TO THE THE PUBLIC AT ITS CORPORATE OFFICE FREE OF CHARGE. FOR THE COST OF REPRODUCING AND MAILING, A COPY WILL BE SENT VIA U.S. MAIL UPON WRITTEN REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE AUDITOR IS SELECTED BY THE AUDIT COMMITTEE VIA COMPETITIVE BID.
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 C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0142065175
IRS990/TotalAssetsEOYAmt0145602826
IRS990/TotalAssetsGrp/BOYAmt0142065175
IRS990/TotalAssetsGrp/EOYAmt0145602826
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt093

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.

Open filing
Assets
$145,602,826
Liabilities
$133,748,673
Net assets
$11,854,153
Revenue
$8,516,960
Expenses
$8,187,341
Net income
$329,619
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$352$314$37.4$25.4$23.1$2.28
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$321$288$32.9$21.7$18.1$3.60
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$306$276$29.7$18.2$15.1$3.13
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$275$249$25.3$17.0$13.1$3.84
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$238$218$20.5$15.7$12.7$3.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$201$183$18.3$14.4$12.6$1.79
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$185$168$17.6$13.6$11.6$2.03
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$161$15.8$12.9$11.2$1.70
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$170$156$14.3$11.8$10.0$1.75
2015Detailed filing. Detailed filing data is available for this year.$156$143$12.9$10.2$8.76$1.39
2014Detailed filing. Detailed filing data is available for this year.$145$134$11.9$8.84$7.78$1.06
2013Detailed filing. Detailed filing data is available for this year.$146$134$11.9$8.52$8.19$0.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$142$130$11.7$7.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$118$10.7$6.81