Civic Intelligence

CIVIC Central Credit Union

EIN 44-0524890 • 501(c)14 • Jefferson City, MO

View Organization Page

Profile

Cooperative provider of financial services

400 East Miller StreetJefferson City, MO 65101-3140

www.goodcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Liabilities / Revenue

98th percentile

33.57x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Net Margin

69th percentile

18%

Higher net margin than 69% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

26th percentile

-2.3%

Faster asset growth than 26% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Revenue Growth

35th percentile

7.8%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$91,773,806

Up $5,228,278 (+6.0%) from 2023

Liabilities

Up

$81,387,442

Up $3,475,183 (+4.5%) from 2023

Net Assets

Up

$10,386,364

Up $1,753,095 (+20%) from 2023

Operations
Liabilities / Revenue98th percentileNet Margin69th percentile

Revenue

Up

$3,813,191

Up $676,314 (+22%) from 2023

Expenses

Up

$2,727,966

Up $489,542 (+22%) from 2023

Net Income

Up

$1,085,225

Up $186,772 (+21%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth26th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2011: $55,579,147Liabilities 2011: $47,866,033Net Assets 2011: $7,713,1142011Assets 2012: $58,772,600Liabilities 2012: $50,850,671Net Assets 2012: $7,921,9292012Assets 2013: $59,433,108Liabilities 2013: $52,477,663Net Assets 2013: $6,955,4452013Assets 2014: $62,566,324Liabilities 2014: $54,854,467Net Assets 2014: $7,711,8572014Assets 2015: $65,726,375Liabilities 2015: $57,904,206Net Assets 2015: $7,822,1692015Assets 2016: $67,822,664Liabilities 2016: $59,937,464Net Assets 2016: $7,885,2002016Assets 2017: $71,104,026Liabilities 2017: $63,110,159Net Assets 2017: $7,993,8672017Assets 2018: $71,806,649Liabilities 2018: $63,668,499Net Assets 2018: $8,138,1502018Assets 2019: $75,057,726Liabilities 2019: $65,419,859Net Assets 2019: $9,637,8672019Assets 2020: $85,029,080Liabilities 2020: $74,473,886Net Assets 2020: $10,555,1942020Assets 2021: $91,445,664Liabilities 2021: $81,478,701Net Assets 2021: $9,966,9632021Assets 2022: $89,338,496Liabilities 2022: $82,460,265Net Assets 2022: $6,878,2312022Assets 2023: $86,545,528Liabilities 2023: $77,912,259Net Assets 2023: $8,633,2692023Assets 2024: $91,773,806Liabilities 2024: $81,387,442Net Assets 2024: $10,386,3642024

Highlighted filing

2024

Assets$91,773,806
Liabilities$81,387,442
Net Assets$10,386,364
Open 2024 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,746,7382011Expenses 2012: $1,676,4502012Revenue 2013: $1,800,848Expenses 2013: $1,574,028Net Income 2013: $226,8202013Revenue 2014: $1,687,317Expenses 2014: $1,510,023Net Income 2014: $177,2942014Revenue 2015: $1,731,535Expenses 2015: $1,526,339Net Income 2015: $205,1962015Revenue 2016: $1,760,288Expenses 2016: $1,501,222Net Income 2016: $259,0662016Revenue 2017: $1,832,758Expenses 2017: $1,563,047Net Income 2017: $269,7112017Revenue 2018: $2,064,264Expenses 2018: $1,716,564Net Income 2018: $347,7002018Revenue 2019: $2,367,001Expenses 2019: $1,821,189Net Income 2019: $545,8122019Revenue 2020: $2,290,163Expenses 2020: $1,820,201Net Income 2020: $469,9622020Revenue 2021: $2,279,163Expenses 2021: $1,983,302Net Income 2021: $295,8612021Revenue 2022: $2,456,077Expenses 2022: $2,024,409Net Income 2022: $431,6682022Revenue 2023: $3,136,877Expenses 2023: $2,238,424Net Income 2023: $898,4532023Revenue 2024: $3,813,191Expenses 2024: $2,727,966Net Income 2024: $1,085,2252024

Highlighted filing

2024

Revenue$3,813,191
Expenses$2,727,966
Net Income$1,085,225
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$91,773,806
Liabilities
$81,387,442
Net assets
$10,386,364
Revenue
$3,813,191
Expenses
$2,727,966
Net income
$1,085,225
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$91.8$81.4$10.4$3.81$2.73$1.09
2023Detailed filing. Detailed filing data is available for this year.$86.5$77.9$8.63$3.14$2.24$0.90
2022Detailed filing. Detailed filing data is available for this year.$89.3$82.5$6.88$2.46$2.02$0.43
2021Detailed filing. Detailed filing data is available for this year.$91.4$81.5$9.97$2.28$1.98$0.30
2020Detailed filing. Detailed filing data is available for this year.$85.0$74.5$10.6$2.29$1.82$0.47
2019Detailed filing. Detailed filing data is available for this year.$75.1$65.4$9.64$2.37$1.82$0.55
2018Detailed filing. Detailed filing data is available for this year.$71.8$63.7$8.14$2.06$1.72$0.35
2017Detailed filing. Detailed filing data is available for this year.$71.1$63.1$7.99$1.83$1.56$0.27
2016Detailed filing. Detailed filing data is available for this year.$67.8$59.9$7.89$1.76$1.50$0.26
2015Detailed filing. Detailed filing data is available for this year.$65.7$57.9$7.82$1.73$1.53$0.21
2014Detailed filing. Detailed filing data is available for this year.$62.6$54.9$7.71$1.69$1.51$0.18
2013Detailed filing. Detailed filing data is available for this year.$59.4$52.5$6.96$1.80$1.57$0.23
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.8$50.9$7.92$1.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.6$47.9$7.71$1.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 20, 2025
Return Version
2024v5.1
Gross Receipts
$3,819,191
Mission and Program Overview

Mission

Cooperative provider of financial services

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$39,117,573$38,277,038▼ $840,535
Investments Other Securities$32,456,519$32,138,520▼ $317,999
Savings and Temporary Cash Investments$8,123,078$14,400,717▲ $6,277,639
Rtn Earn Endowment Incm Other Fnds$8,633,269$10,386,364▲ $1,753,095
Land, Buildings, and Equipment, Net$1,015,868$1,028,265▲ $12,397
Cash and Non-Interest-Bearing Accounts$546,356$419,603▼ $126,753
Prepaid Expenses and Deferred Charges$70,972$59,481▼ $11,491
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$86,545,528$91,773,806▲ $5,228,278
Other Assets Total$5,215,162$5,450,182▲ $235,020
Liabilities
Other Liabilities$77,807,644$81,259,206▲ $3,451,562
Accounts Payable and Accrued Expenses$101,653$128,236▲ $26,583
Deferred Revenue$2,962--
Total Liabilities$77,912,259$81,387,442▲ $3,475,183
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,633,269$10,386,364▲ $1,753,095
Total Liabilities and Net Assets / Fund Balance$86,545,528$91,773,806▲ $5,228,278

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$688,642$796,956$1,485,598
Equipment$137,678$363,269$500,947
Land$201,945-$201,945
Other Assets Org$20,240--
Other Securities$17,500,495--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer EnloePresidentFT$111,487$4,683$116,170
Dana HeetVice PresidentFT$81,439$6,754$88,193

Board Members and Trustees

NameTitle
Cheryl LinhardtChairperson
Kurtis KennonVice Chairperson
Betty BrownBoard Member
Bonnie KeatonBoard Member
Jan HarbisonBoard Member
Janet LepperBoard Member
Jennifer RedelBoard Member
John Short IiiBoard Member
Jandra CarterSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,327,786
Investment Income
$1,476,905
Other Revenue
$8,500
Change in Net Assets
$1,085,225
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,863,456
Salaries, Compensation, and Employee Benefits$759,639
Grants and Similar Amounts Paid$3,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$411,217
Fees for Services Other---$294,084
Current Officers, Directors, Trustees, and Key Employees---$204,363
Advertising---$118,789
Information Technology---$103,945
Benefits to Members---$101,871
Depreciation Depletion---$86,855
Office Expenses---$76,794
Pension Plan Contributions---$64,579
All Other Expenses---$56,526
Occupancy---$54,605
Payroll Taxes---$46,173
Other Employee Benefits---$33,307
Fees for Services Accounting---$28,560
Insurance---$27,424
Other Expenses---$23,105
Conferences and Meetings---$19,419
Grants to Domestic Individuals---$3,000
Fees for Service Investment Mgmnt Fees---$1,228
Fees for Services Legal---$531
Total Functional Expenses$0$0$0$2,727,966
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$125
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$81,259,206
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is mutually owned by members.”

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

“The board of directors are elected by the credit union members.”

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

“Certain significant changes are subject to approval by the members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990 is provided to the board of directors for review.”

Form 990, Part VI, Section B, Line 15A

“The board of directors reviews and approves the president's compensation. All other management compensation is determined by the president and is presented as part of the budget package to the board for approval. Deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby and are presented at the annual meeting. In addition, the ncua website posts financial information as part of the quarterly call reports.”

Filing and Contact Details

Filer

Filer Name
Civic Central Credit Union
EIN
44-0524890
Phone
5736365338
Address
400 EAST MILLER STREET, JEFFERSON CITY, MO 65101-3140

Signing Officer

Name
Dana Heet
Title
Vice President
Phone
5736365338
Signed
2025-05-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dana Heet
Formed
1939
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
14
Volunteers
15

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Debit & atm card services 169,514. Visa services 59,842. All other services 64,728.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal income taxes under the provisions of section 501 of the internal revenue code (irc) of 1954; however, the credit union's unrelated business income is subject to federal income taxes. There were no significant income taxes for the current or previous tax year. Accounting principles prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The credit union had no unrecognized tax positions on december 31, of the current or previous tax year. It is the credit union's policy to record any penalties or interest arising from federal or state taxes as a component of noninterest expense.”

Raw XML AppendixShowing 400 of 416 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0COOPERATIVE PROVIDER OF FINANCIAL SERVICES
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08633269
IRS990/NetAssetsOrFundBalancesEOYAmt010386364
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0667870
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt054605
IRS990/OfficeExpensesGrp/TotalAmt076794
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05215162
IRS990/OtherAssetsTotalGrp/EOYAmt05450182
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt033307
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS & INT
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0765025
IRS990/OtherExpensesGrp/TotalAmt1154945
IRS990/OtherExpensesGrp/TotalAmt251621
IRS990/OtherExpensesGrp/TotalAmt323105
IRS990/OtherLiabilitiesGrp/BOYAmt077807644
IRS990/OtherLiabilitiesGrp/EOYAmt081259206
IRS990/OtherSalariesAndWagesGrp/TotalAmt0411217
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt039117573
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt038277038
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt046173
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt064579
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070972
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt059481
IRS990/PrincipalOfficerNm0DANA HEET
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01971941
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1345903
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01971941
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1348703
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt27142
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02800
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt17142
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, LOANS OUTSTANDING TOTALED $38,442,582, INCLUDING PARTICIPATION LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON MEMBER DEPOSITS TOTALING $765,025 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt099739
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt03000
IRS990/PYInvestmentIncomeAmt0913785
IRS990/PYOtherExpensesAmt01422770
IRS990/PYOtherRevenueAmt08891
IRS990/PYProgramServiceRevenueAmt02214201
IRS990/PYRevenuesLessExpensesAmt0898453
IRS990/PYSalariesCompEmpBnftPaidAmt0712915
IRS990/PYTotalExpensesAmt02238424
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03136877
IRS990/ReconcilationRevenueExpnssAmt01085225
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt08500
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt08500
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08633269
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010386364
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08123078
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014400717
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/PoliticalExpendituresAmt0125
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0431310069
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CUPAC OF MISSOURI
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0223 MADISON STREET
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0JEFFERSON CITY
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0MO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd065101
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTION TO A CREDIT UNION PAC
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleD/BuildingsGrp/BookValueAmt0688642
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0796956
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01485598
IRS990ScheduleD/EquipmentGrp/BookValueAmt0137678
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0363269
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0500947
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0201945
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0201945
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0292447
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt14331619
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2805876
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt320240
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1CSV - NEW YORK LIFE INSURANCE POLICIES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ALL OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt081259206
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt014638025
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt117500495
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS-MORTGAGE-BACKED SEC
IRS990ScheduleD/OtherSecuritiesGrp/Desc1AFS-NEGOTIABLE CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER THE PROVISIONS OF SECTION 501 OF THE INTERNAL REVENUE CODE (IRC) OF 1954; HOWEVER, THE CREDIT UNION'S UNRELATED BUSINESS INCOME IS SUBJECT TO FEDERAL INCOME TAXES. THERE WERE NO SIGNIFICANT INCOME TAXES FOR THE CURRENT OR PREVIOUS TAX YEAR. ACCOUNTING PRINCIPLES PRESCRIBE A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS ON DECEMBER 31, OF THE CURRENT OR PREVIOUS TAX YEAR. IT IS THE CREDIT UNION'S POLICY TO RECORD ANY PENALTIES OR INTEREST ARISING FROM FEDERAL OR STATE TAXES AS A COMPONENT OF NONINTEREST EXPENSE.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01028265
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05450182
IRS990ScheduleD/TotalBookValueSecuritiesAmt032138520
IRS990ScheduleD/TotalLiabilityAmt081259206
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1DANA HEET, VICE PRESIDENT IS A PARTICIPANT IN A 457(F) PLAN AND RECEIVED A $150,000 DISTRIBUTION FROM THAT PLAN IN 2023. THE ENTIRE AMOUNT WAS REPORTED ON HER W-2.0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY AND ARE PRESENTED AT THE ANNUAL MEETING. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DEBIT & ATM CARD SERVICES 169,514. VISA SERVICES 59,842. ALL OTHER SERVICES 64,728.
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 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt086545528
IRS990/TotalAssetsEOYAmt091773806
IRS990/TotalAssetsGrp/BOYAmt086545528
IRS990/TotalAssetsGrp/EOYAmt091773806
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/TotalAmt02727966
IRS990/TotalGrossUBIAmt09942
IRS990/TotalLiabilitiesBOYAmt077912259
IRS990/TotalLiabilitiesEOYAmt081387442
IRS990/TotalLiabilitiesGrp/BOYAmt077912259
IRS990/TotalLiabilitiesGrp/EOYAmt081387442
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08633269
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010386364
IRS990/TotalOtherCompensationAmt011437
IRS990/TotalProgramServiceRevenueAmt02327786
IRS990/TotalReportableCompFromOrgAmt0192926
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03803249
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03813191
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09942
IRS990/TotalVolunteersCnt015
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt086545528
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt091773806
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0400 EAST MILLER STREET
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0651013140
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.GOODCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0DANA HEET
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05736365338
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CIVIC CENTRAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CIVI
ReturnHeader/Filer/EIN0440524890
ReturnHeader/Filer/PhoneNum05736365338
ReturnHeader/Filer/USAddress/AddressLine1Txt0400 EAST MILLER STREET
ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO

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