Civic Intelligence

Blucurrent Credit Union

990 • Fiscal year 2016 • EIN 44-0444275

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 10, 2017

1770 W 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.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

14th percentile

13.24x

Higher debt load relative to revenue than 14% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

72nd percentile

15%

Higher net margin than 72% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

36th percentile

$177,100

Higher top officer pay than 36% of similar nonprofits.

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

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

85th percentile

9.4%

Faster asset growth than 85% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

91st percentile

16%

Faster revenue growth than 91% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Assets

Up

$170,306,854

Up $14,562,283 (+9.4%) from 2015

Net Assets

Up

$14,271,796

Up $1,338,764 (+10%) from 2015

Liabilities

Up

$156,035,058

Up $13,223,519 (+9.3%) from 2015

Revenue

Up

$11,786,227

Up $1,633,160 (+16%) from 2015

Expenses

Up

$10,035,226

Up $1,273,348 (+15%) from 2015

Net Income

Up

$1,751,001

Up $359,812 (+26%) from 2015

Historical Trend

Balance Sheet Trend

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

2016

Assets$170,306,854
Liabilities$156,035,058
Net Assets$14,271,796

Operations Trend

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

2016

Revenue$11,786,227
Expenses$10,035,226
Net Income$1,751,001
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 10, 2017
Return Version
2016v3.0
Gross Receipts
$11,786,227
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$120,548,937$136,756,461▲ $16,207,524
Savings and Temporary Cash Investments$22,668,073$20,702,531▼ $1,965,542
Rtn Earn Endowment Incm Other Fnds$12,933,032$14,271,796▲ $1,338,764
Land, Buildings, and Equipment, Net$5,305,156$5,013,469▼ $291,687
Receivables From Officers Etc$1,664,044$1,590,426▼ $73,618
Prepaid Expenses and Deferred Charges$1,914,679$1,354,183▼ $560,496
Cash and Non-Interest-Bearing Accounts$1,017,242$1,052,423▲ $35,181
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$155,744,571$170,306,854▲ $14,562,283
Other Assets Total$2,626,440$3,837,361▲ $1,210,921
Liabilities
Other Liabilities$141,467,973$154,511,708▲ $13,043,735
Accounts Payable and Accrued Expenses$1,343,566$1,523,350▲ $179,784
Total Liabilities$142,811,539$156,035,058▲ $13,223,519
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,933,032$14,271,796▲ $1,338,764
Total Liabilities and Net Assets / Fund Balance$155,744,571$170,306,854▲ $14,562,283

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,789,570$1,535,815$5,325,385
Equipment$249,705$3,356,263$3,605,968
Land$974,194-$974,194
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Craig TaborChief Executive OfficerFT$177,100$177,100
Gary KirkExecutive Vice PresidentFT$115,500$115,500

Board Members and Trustees

NameTitle
Gene HarrisChairman of the Board
Jim McgeeVice Chairman
David PhelpsDirector
Frank RominesDirector
Mary ArnoldDirector
Mike McfarlandDirector
Ralph TateDirector
Scott RoseDirector
Delbert SpenceDirector Emeritus
Howard HouseSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$11,618,837
Investment Income
$167,390
Other Revenue
$0
Change in Net Assets
$1,751,001

Audited Revenue Reconciliation

Revenue per Audited Statements
$11,786,227
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$11,786,227
Total Revenue per Form 990
$11,786,227
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,918,103
Salaries, Compensation, and Employee Benefits$4,117,123
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,904,251
Information Technology---$1,733,230
Fees for Services Other---$761,608
Interest---$544,273
Other Expenses---$279,985
Other Employee Benefits---$212,872
Total Functional Expenses$0$0$0$10,035,226

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,035,226
Total Expenses per Audited Statements$10,035,226
Total Expenses per Form 990$10,035,226
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$1,664,044$1,590,426▼ $73,618
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$154,511,708
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 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 11B

This year the form 990 must be filed by 11/15/17 and the next board meeting is after that date. They will review the 990 as they usually do but it will be after it is filed. If any discrepancies are noted an amended form 990 will be 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 B, Line 15

The hr department reviews industry surveys and studies and provides a summary report to the board about insustry salary norms for ceos and other officers of credit unions similar in size to blucurrent. The board uses that information to determine the salary of the ceo. Management, with the approval of the board, establishes compensation plans for the officers and key employees of the credit union.

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

Filer Name
Blucurrent Credit Union
EIN
44-0444275
Phone
4178871983
Address
1770 W SUNSET STREET, SPRINGFIELD, MO 65807

Signing Officer

Name
Gary Kirk
Title
Executive Vice-president
Phone
4178871983
Signed
2017-11-10
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
96
Volunteers
34

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 XI, Line 2C

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

Raw XML AppendixShowing 400 of 645 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/BOYAmt01343566
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01523350
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0COOPERATIVE PROVIDER OF FINANCIAL SERVICES
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THE ORGANIZATION
IRS990/BooksInCareOfDetail/PhoneNum04178871983
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01770 W SUNSET STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd065807
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01017242
IRS990/CashNonInterestBearingGrp/EOYAmt01052423
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0167390
IRS990/CYOtherExpensesAmt05918103
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt011618837
IRS990/CYRevenuesLessExpensesAmt01751001
IRS990/CYSalariesCompEmpBnftPaidAmt04117123
IRS990/CYTotalExpensesAmt010035226
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt011786227
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/EmployeeCnt096
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/ExpenseAmt08321556
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesOtherGrp/TotalAmt0761608
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/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
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/IndividualTrusteeOrDirectorInd9X
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/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0GENE HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm1JIM MCGEE
IRS990/Form990PartVIISectionAGrp/PersonNm2HOWARD HOUSE
IRS990/Form990PartVIISectionAGrp/PersonNm3MARY ARNOLD
IRS990/Form990PartVIISectionAGrp/PersonNm4MIKE MCFARLAND
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID PHELPS
IRS990/Form990PartVIISectionAGrp/PersonNm6RALPH TATE
IRS990/Form990PartVIISectionAGrp/PersonNm7SCOTT ROSE
IRS990/Form990PartVIISectionAGrp/PersonNm8FRANK ROMINES
IRS990/Form990PartVIISectionAGrp/PersonNm9DELBERT SPENCE
IRS990/Form990PartVIISectionAGrp/PersonNm10CRAIG TABOR
IRS990/Form990PartVIISectionAGrp/PersonNm11GARY 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/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10177100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11115500
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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VICE PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01929
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt011786227
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01733230
IRS990/InterestGrp/TotalAmt0544273
IRS990/InvestmentIncomeGrp/ExclusionAmt0167390
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0167390
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt03830
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04892078
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05305156
IRS990/LandBldgEquipBasisNetGrp/EOYAmt05013469
IRS990/LandBldgEquipCostOrOtherBssAmt09905547
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/NetAssetsOrFundBalancesBOYAmt012933032
IRS990/NetAssetsOrFundBalancesEOYAmt014271796
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-412237
IRS990/NondeductibleContributionsInd00
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02626440
IRS990/OtherAssetsTotalGrp/EOYAmt03837361
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0212872
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING AND MEMB
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER NONINTEREST OPERA
IRS990/OtherExpensesGrp/TotalAmt01429610
IRS990/OtherExpensesGrp/TotalAmt11169397
IRS990/OtherExpensesGrp/TotalAmt2279985
IRS990/OtherLiabilitiesGrp/BOYAmt0141467973
IRS990/OtherLiabilitiesGrp/EOYAmt0154511708
IRS990/OtherSalariesAndWagesGrp/TotalAmt03904251
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0120548937
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0136756461
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01914679
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01354183
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 LOANS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc2DEBIT / CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt08492199
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11152500
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21073595
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3811556
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt488987
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt08492199
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11152500
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21073595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3811556
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt488987
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0194737
IRS990/PYOtherExpensesAmt04876238
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09958330
IRS990/PYRevenuesLessExpensesAmt01391189
IRS990/PYSalariesCompEmpBnftPaidAmt03885640
IRS990/PYTotalExpensesAmt08761878
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010153067
IRS990/QuidProQuoContributionsInd00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01664044
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01590426
IRS990/ReconcilationRevenueExpnssAmt01751001
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt08492199
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012933032
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014271796
IRS990/SavingsAndTempCashInvstGrp/BOYAmt022668073
IRS990/SavingsAndTempCashInvstGrp/EOYAmt020702531
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03789570
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01535815
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05325385
IRS990ScheduleD/EquipmentGrp/BookValueAmt0249705
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03356263
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03605968
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010035226
IRS990ScheduleD/LandGrp/BookValueAmt0974194
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0974194
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0154511708
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt011786227
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05013469
IRS990ScheduleD/TotalExpensesPerForm990Amt010035226
IRS990ScheduleD/TotalLiabilityAmt0154511708
IRS990ScheduleD/TotalRevenuePerForm990Amt011786227
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt011786227
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt010035226
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0177100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CRAIG TABOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CHIEF EXECUTIVE OFFICER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0177100
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PAYS THE SPOUSE OF THE PRESIDENT FOR ATTENDING THE ANNUAL CONVENTION. SHE IS ISSUED FORM 1099 FOR THAT PER DIEM AMOUNT.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE HR DEPPARTMENT REVIEWS INDUSTRY SURVEYS AND STUDIES AND PROVIDES A SUMMARY REPORT TO THE BOARD ABOUT INDUSTRY SALARY NORMS FOR CEOS OF CREDIT UNIONS SIMILAR IN SIZE TO BLUCURRENT. THE BOARD USES THAT INFORMATION TO DETERMINE THE SALARY FOR THE CEO.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt06700
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1135738
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt250520
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt318691
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt430527
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt515920
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt7298387
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt861522
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt923640
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt102573
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt11218412
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt121000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13118833
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt159305
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1616395
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17264267
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1852246
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1914164
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2010061
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21181394
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2254763
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt231924
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt243444
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/BoardOrCommitteeApprovalInd91
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd101
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd111
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd131
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd141
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd151
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd161
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd171
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd181
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd201
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd211
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd221
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd231
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd241
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/DefaultInd90
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd100
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd110
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd120
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd130
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd150
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd160
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd170
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd180
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd190
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd200
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd210
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd220
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd230
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd240

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
2016Detailed filing. Detailed filing data is available for this year.$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