Civic Intelligence

Northwest Missouri Regional Credit Union

EIN 44-0560851 • 501(c)14 • Maryville, MO

Profile

Provide a fair and reasonable rate of interest for mutual benefit and general welfare of its members with earnings, savings, and services distributed to its members.

26155 Stolls Country LaneMaryville, MO 64468-7391

www.nwmissouri.edu/CU

Siviq Scores

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

Liabilities / Assets

67th percentile

0.88x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

25th percentile

12.38x

Higher debt load relative to revenue than 25% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

51st percentile

8.0%

Higher net margin than 51% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

79th percentile

$110,803

Higher top officer pay than 79% of similar nonprofits.

Top officer pay equals 13.9% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

87th percentile

7.8%

Faster asset growth than 87% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

19th percentile

-2.5%

Faster revenue growth than 19% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$11,157,928

Up $803,611 (+7.8%) from 2024

Liabilities

Up

$9,874,665

Up $739,833 (+8.1%) from 2024

Net Assets

Up

$1,283,263

Up $63,778 (+5.2%) from 2024

Operations
Liabilities / Revenue25th percentileNet Margin51st percentile

Revenue

Down

$797,503

Down $20,662 (-2.5%) from 2024

Expenses

Up

$733,725

Up $20,715 (+2.9%) from 2024

Net Income

Down

$63,778

Down $41,377 (-39%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth87th percentile

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

$15M$10M$5.0M$0Assets 2014: $7,592,504Liabilities 2014: $6,937,942Net Assets 2014: $654,5622014Assets 2015: $8,018,625Liabilities 2015: $7,298,674Net Assets 2015: $719,9512015Assets 2016: $8,042,407Liabilities 2016: $7,279,167Net Assets 2016: $763,2402016Assets 2017: $8,478,598Liabilities 2017: $7,666,924Net Assets 2017: $811,6742017Assets 2018: $8,537,051Liabilities 2018: $7,670,514Net Assets 2018: $866,5372018Assets 2019: $9,000,434Liabilities 2019: $8,062,308Net Assets 2019: $938,1262019Assets 2020: $9,897,401Liabilities 2020: $8,931,524Net Assets 2020: $965,8772020Assets 2021: $11,538,698Liabilities 2021: $10,512,233Net Assets 2021: $1,026,4652021Assets 2022: $11,350,789Liabilities 2022: $10,290,152Net Assets 2022: $1,060,6372022Assets 2023: $10,942,687Liabilities 2023: $9,828,357Net Assets 2023: $1,114,3302023Assets 2024: $10,354,317Liabilities 2024: $9,134,832Net Assets 2024: $1,219,4852024Assets 2025: $11,157,928Liabilities 2025: $9,874,665Net Assets 2025: $1,283,2632025

Highlighted filing

2025

Assets$11,157,928
Liabilities$9,874,665
Net Assets$1,283,263
Open 2025 Filing

Operations Trend

Revenue Growth19th percentile

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

$1.0M$500K$0Revenue 2014: $501,603Expenses 2014: $471,307Net Income 2014: $30,2962014Revenue 2015: $524,136Expenses 2015: $458,747Net Income 2015: $65,3892015Revenue 2016: $535,064Expenses 2016: $491,775Net Income 2016: $43,2892016Revenue 2017: $539,977Expenses 2017: $491,543Net Income 2017: $48,4342017Revenue 2018: $572,365Expenses 2018: $517,502Net Income 2018: $54,8632018Revenue 2019: $603,989Expenses 2019: $532,400Net Income 2019: $71,5892019Revenue 2020: $567,476Expenses 2020: $539,725Net Income 2020: $27,7512020Revenue 2021: $630,574Expenses 2021: $569,986Net Income 2021: $60,5882021Revenue 2022: $655,737Expenses 2022: $602,309Net Income 2022: $53,4282022Revenue 2023: $757,067Expenses 2023: $657,324Net Income 2023: $99,7432023Revenue 2024: $818,165Expenses 2024: $713,010Net Income 2024: $105,1552024Revenue 2025: $797,503Expenses 2025: $733,725Net Income 2025: $63,7782025

Highlighted filing

2025

Revenue$797,503
Expenses$733,725
Net Income$63,778
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,157,928
Liabilities
$9,874,665
Net assets
$1,283,263
Revenue
$797,503
Expenses
$733,725
Net income
$63,778
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$11.2$9.87$1.28$0.80$0.73$0.06
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.4$9.13$1.22$0.82$0.71$0.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10.9$9.83$1.11$0.76$0.66$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$10.3$1.06$0.66$0.60$0.05
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.5$10.5$1.03$0.63$0.57$0.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.90$8.93$0.97$0.57$0.54$0.03
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.00$8.06$0.94$0.60$0.53$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.54$7.67$0.87$0.57$0.52$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.48$7.67$0.81$0.54$0.49$0.05
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.04$7.28$0.76$0.54$0.49$0.04
2015Detailed filing. Detailed filing data is available for this year.$8.02$7.30$0.72$0.52$0.46$0.07
2014Detailed filing. Detailed filing data is available for this year.$7.59$6.94$0.65$0.50$0.47$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 18, 2026
Return Version
2025v4.0
Gross Receipts
$797,503
Mission and Program Overview

Mission

Provide a fair and reasonable rate of interest for mutual benefit and general welfare of its members with earnings, savings, and services distributed to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,075,713$7,301,534▲ $225,821
Savings and Temporary Cash Investments$2,667,376$3,262,060▲ $594,684
Rtn Earn Endowment Incm Other Fnds$1,219,485$1,283,263▲ $63,778
Land, Buildings, and Equipment, Net$253,666$235,532▼ $18,134
Cash and Non-Interest-Bearing Accounts$182,380$141,136▼ $41,244
Investments Other Securities-$40,300-
Prepaid Expenses and Deferred Charges$24,241$33,141▲ $8,900
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,354,317$11,157,928▲ $803,611
Other Assets Total$150,941$144,225▼ $6,716
Liabilities
Other Liabilities$9,032,331$9,796,112▲ $763,781
Accounts Payable and Accrued Expenses$102,501$78,553▼ $23,948
Total Liabilities$9,134,832$9,874,665▲ $739,833
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,219,485$1,283,263▲ $63,778
Total Liabilities and Net Assets / Fund Balance$10,354,317$11,157,928▲ $803,611

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$168,001$194,817$362,818
Equipment$22,531$188,369$210,900
Land$45,000-$45,000
Other Land Buildings$0$5,800$5,800
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Amy JohnsonPresidentFT$107,745$3,058$110,803

Board Members and Trustees

NameTitle
Becky BylandBoard President
Barbara WalkBoard Member
Coby LambBoard Member
Latessa RuehterBoard Member
Nickolas FreemanBoard Member
Nikki HackettBoard Member
Patricia WyattBoard Member
Raymond CourterBoard Member
David PrimmBoard Secretary / Treasure
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$707,333
Investment Income
$87,562
Other Revenue
$2,608
Change in Net Assets
$63,778
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$419,351
Salaries, Compensation, and Employee Benefits$314,374
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$165,228
Other Salaries and Wages---$150,728
Current Officers, Directors, Trustees, and Key Employees---$110,803
Information Technology---$102,776
Other Employee Benefits---$27,491
Depreciation Depletion---$22,021
Payroll Taxes---$21,411
Fees for Services Other---$19,830
Insurance---$15,627
Fees for Services Accounting---$15,600
Occupancy---$7,562
Other Expenses---$6,897
Advertising---$3,947
Pension Plan Contributions---$3,941
All Other Expenses---$3,204
Total Functional Expenses$0$0$0$733,725
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$9,796,112
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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 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 credit union members; however no such changes were made during the year.”

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

“The supervisory committee reviews the form 990 and submits it to the board of directors for approval.”

Form 990, Part VI, Section B, Line 15

“The president's compensation is approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Northwest Missouri Regional Credit Union
EIN
44-0560851
Phone
6605825747
Address
26155 STOLLS COUNTRY LANE, MARYVILLE, MO 64468-7391

Signing Officer

Name
Amy Johnson
Title
President
Phone
6605825747
Signed
2026-03-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Amy Johnson
Formed
1933
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
12
Volunteers
11

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 III, Line 2

“Added a mobile app to make it easier for our members to use our services.”

Raw XML Appendix368 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/BOYAmt0102501
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt078553
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDE A FAIR AND REASONABLE RATE OF INTEREST FOR MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH EARNINGS, SAVINGS, AND SERVICES DISTRIBUTED TO ITS MEMBERS.
IRS990/AdvertisingGrp/TotalAmt03947
IRS990/AllOtherExpensesGrp/TotalAmt03204
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0AMY JOHNSON
IRS990/BooksInCareOfDetail/PhoneNum06605825747
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt026155 STOLLS COUNTRY LANE
IRS990/BooksInCareOfDetail/USAddress/CityNm0MARYVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0644687391
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0182380
IRS990/CashNonInterestBearingGrp/EOYAmt0141136
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0110803
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt087562
IRS990/CYOtherExpensesAmt0419351
IRS990/CYOtherRevenueAmt02608
IRS990/CYProgramServiceRevenueAmt0707333
IRS990/CYRevenuesLessExpensesAmt063778
IRS990/CYSalariesCompEmpBnftPaidAmt0314374
IRS990/CYTotalExpensesAmt0733725
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0797503
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt022021
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,303 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt012
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt015600
IRS990/FeesForServicesOtherGrp/TotalAmt019830
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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/AverageHoursPerWeekRt945.00
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/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/OtherCompensationAmt93058
IRS990/Form990PartVIISectionAGrp/PersonNm0BECKY BYLAND
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVID PRIMM
IRS990/Form990PartVIISectionAGrp/PersonNm2RAYMOND COURTER
IRS990/Form990PartVIISectionAGrp/PersonNm3NICKOLAS FREEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm4COBY LAMB
IRS990/Form990PartVIISectionAGrp/PersonNm5PATRICIA WYATT
IRS990/Form990PartVIISectionAGrp/PersonNm6BARBARA WALK
IRS990/Form990PartVIISectionAGrp/PersonNm7NIKKI HACKETT
IRS990/Form990PartVIISectionAGrp/PersonNm8LATESSA RUEHTER
IRS990/Form990PartVIISectionAGrp/PersonNm9AMY JOHNSON
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/ReportableCompFromOrgAmt9107745
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD SECRETARY / TREASURE
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
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IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0400
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0400
IRS990/GrossReceiptsAmt0797503
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0102776
IRS990/InsuranceGrp/TotalAmt015627
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt087162
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt087162
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt040300
IRS990/IRPDocumentCnt0219
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0388986
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0253666
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0235532
IRS990/LandBldgEquipCostOrOtherBssAmt0624518
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDE A FAIR AND REASONABLE RATE OF INTEREST FOR MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH EARNINGS, SAVINGS, AND SERVICES DISTRIBUTED TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt01283263
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0400
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0400
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt07562
IRS990/OfficeExpensesGrp/TotalAmt0165228
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0150941
IRS990/OtherAssetsTotalGrp/EOYAmt0144225
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt027491
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt046060
IRS990/OtherExpensesGrp/TotalAmt110599
IRS990/OtherExpensesGrp/TotalAmt26897
IRS990/OtherLiabilitiesGrp/BOYAmt09032331
IRS990/OtherLiabilitiesGrp/EOYAmt09796112
IRS990/OtherSalariesAndWagesGrp/TotalAmt0150728
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt07075713
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt07301534
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt021411
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt03941
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt024241
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt033141
IRS990/PrincipalOfficerNm0AMY JOHNSON
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/RelatedOrExemptFuncIncomeAmt0587299
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1117895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0587299
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1118834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0939
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11200
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 847 LOANS OUTSTANDING TOTALING $7,379,003.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $46,060 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0121127
IRS990/PYOtherExpensesAmt0411041
IRS990/PYOtherRevenueAmt016398
IRS990/PYProgramServiceRevenueAmt0680640
IRS990/PYRevenuesLessExpensesAmt0105155
IRS990/PYSalariesCompEmpBnftPaidAmt0301969
IRS990/PYTotalExpensesAmt0713010
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0818165
IRS990/ReconcilationRevenueExpnssAmt063778
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt02608
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt02608
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01219485
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01283263
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02667376
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03262060
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0168001
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0194817
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0362818
IRS990ScheduleD/EquipmentGrp/BookValueAmt022531
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0188369
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0210900
IRS990ScheduleD/LandGrp/BookValueAmt045000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt045000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt05800
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt05800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt09796112
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0235532
IRS990ScheduleD/TotalLiabilityAmt09796112
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ADDED A MOBILE APP TO MAKE IT EASIER FOR OUR MEMBERS TO USE OUR SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SUPERVISORY COMMITTEE REVIEWS THE FORM 990 AND SUBMITS IT TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT'S COMPENSATION IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd01
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010354317
IRS990/TotalAssetsEOYAmt011157928
IRS990/TotalAssetsGrp/BOYAmt010354317
IRS990/TotalAssetsGrp/EOYAmt011157928
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/TotalAmt0733725
IRS990/TotalGrossUBIAmt02139
IRS990/TotalLiabilitiesBOYAmt09134832
IRS990/TotalLiabilitiesEOYAmt09874665
IRS990/TotalLiabilitiesGrp/BOYAmt09134832
IRS990/TotalLiabilitiesGrp/EOYAmt09874665
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01219485
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01283263
IRS990/TotalOtherCompensationAmt03058
IRS990/TotalProgramServiceRevenueAmt0707333
IRS990/TotalReportableCompFromOrgAmt0107745
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0795364
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0797503
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02139
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010354317
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011157928
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt026155 STOLLS COUNTRY LANE
IRS990/USAddress/CityNm0MARYVILLE
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0644687391
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.NWMRCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0AMY JOHNSON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06605825747
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHWEST MISSOURI REGIONAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0440560851
ReturnHeader/Filer/PhoneNum06605825747
ReturnHeader/Filer/USAddress/AddressLine1Txt026155 STOLLS COUNTRY LANE
ReturnHeader/Filer/USAddress/CityNm0MARYVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0644687391
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02026-03-18T07:39:01-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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