Civic Intelligence

Assemblies of God Credit Union

EIN 44-0599527 • 501(c)14 • Springfield, MO

Profile

To provide quality, efficient and professional services to meet our members' financial needs.

1535 N CampbellSpringfield, MO 65803

www.agcu.org

Siviq Scores

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

Liabilities / Assets

87th percentile

0.93x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

71st percentile

16.32x

Higher debt load relative to revenue than 71% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

47th percentile

8.5%

Higher net margin than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

39th percentile

$396,775

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

49th percentile

2.7%

Faster asset growth than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

10%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$441,634,272

Up $11,539,692 (+2.7%) from 2023

Liabilities

Up

$409,159,901

Up $9,378,762 (+2.3%) from 2023

Net Assets

Up

$32,474,371

Up $2,160,930 (+7.1%) from 2023

Operations
Liabilities / Revenue71st percentileNet Margin47th percentile

Revenue

Up

$25,066,326

Up $2,380,855 (+10%) from 2023

Expenses

Up

$22,936,988

Up $3,496,615 (+18%) from 2023

Net Income

Down

$2,129,338

Down $1,115,760 (-34%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth49th percentile

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

$600M$400M$200M$0Assets 2010: $108,405,724Liabilities 2010: $10,102,008Net Assets 2010: $98,303,7162010Assets 2011: $111,482,539Liabilities 2011: $8,837,112Net Assets 2011: $102,645,4272011Assets 2012: $126,394,581Liabilities 2012: $7,317,980Net Assets 2012: $119,076,6012012Assets 2013: $131,221,798Liabilities 2013: $5,754,148Net Assets 2013: $125,467,6502013Assets 2014: $146,065,372Liabilities 2014: $131,715,923Net Assets 2014: $14,349,4492014Assets 2015: $148,460,108Liabilities 2015: $133,284,294Net Assets 2015: $15,175,8142015Assets 2016: $148,574,621Liabilities 2016: $132,152,500Net Assets 2016: $16,422,1212016Assets 2017: $159,511,930Liabilities 2017: $141,611,530Net Assets 2017: $17,900,4002017Assets 2018: $171,999,347Liabilities 2018: $152,476,785Net Assets 2018: $19,522,5622018Assets 2019: $186,209,576Liabilities 2019: $164,079,817Net Assets 2019: $22,129,7592019Assets 2020: $236,189,244Liabilities 2020: $210,929,067Net Assets 2020: $25,260,1772020Assets 2021: $272,748,703Liabilities 2021: $244,825,104Net Assets 2021: $27,923,5992021Assets 2022: $369,054,440Liabilities 2022: $342,029,276Net Assets 2022: $27,025,1642022Assets 2023: $430,094,580Liabilities 2023: $399,781,139Net Assets 2023: $30,313,4412023Assets 2024: $441,634,272Liabilities 2024: $409,159,901Net Assets 2024: $32,474,3712024

Highlighted filing

2024

Assets$441,634,272
Liabilities$409,159,901
Net Assets$32,474,371
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

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

$30M$20M$10M$0Expenses 2010: $5,883,6582010Expenses 2011: $5,731,4412011Expenses 2012: $5,802,6342012Revenue 2013: $7,430,542Expenses 2013: $6,578,458Net Income 2013: $852,0842013Revenue 2014: $8,116,482Expenses 2014: $7,003,986Net Income 2014: $1,112,4962014Revenue 2015: $8,637,850Expenses 2015: $7,919,685Net Income 2015: $718,1652015Revenue 2016: $10,192,956Expenses 2016: $8,755,208Net Income 2016: $1,437,7482016Revenue 2017: $10,335,982Expenses 2017: $8,714,844Net Income 2017: $1,621,1382017Revenue 2018: $10,657,695Expenses 2018: $8,857,065Net Income 2018: $1,800,6302018Revenue 2019: $12,200,645Expenses 2019: $9,973,679Net Income 2019: $2,226,9662019Revenue 2020: $14,268,527Expenses 2020: $11,340,687Net Income 2020: $2,927,8402020Revenue 2021: $14,994,815Expenses 2021: $11,693,185Net Income 2021: $3,301,6302021Revenue 2022: $16,786,554Expenses 2022: $12,968,583Net Income 2022: $3,817,9712022Revenue 2023: $22,685,471Expenses 2023: $19,440,373Net Income 2023: $3,245,0982023Revenue 2024: $25,066,326Expenses 2024: $22,936,988Net Income 2024: $2,129,3382024

Highlighted filing

2024

Revenue$25,066,326
Expenses$22,936,988
Net Income$2,129,338
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$441,634,272
Liabilities
$409,159,901
Net assets
$32,474,371
Revenue
$25,066,326
Expenses
$22,936,988
Net income
$2,129,338
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$442$409$32.5$25.1$22.9$2.13
2023Detailed filing. Detailed filing data is available for this year.$430$400$30.3$22.7$19.4$3.25
2022Detailed filing. Detailed filing data is available for this year.$369$342$27.0$16.8$13.0$3.82
2021Detailed filing. Detailed filing data is available for this year.$273$245$27.9$15.0$11.7$3.30
2020Detailed filing. Detailed filing data is available for this year.$236$211$25.3$14.3$11.3$2.93
2019Detailed filing. Detailed filing data is available for this year.$186$164$22.1$12.2$9.97$2.23
2018Detailed filing. Detailed filing data is available for this year.$172$152$19.5$10.7$8.86$1.80
2017Detailed filing. Detailed filing data is available for this year.$160$142$17.9$10.3$8.71$1.62
2016Detailed filing. Detailed filing data is available for this year.$149$132$16.4$10.2$8.76$1.44
2015Detailed filing. Detailed filing data is available for this year.$148$133$15.2$8.64$7.92$0.72
2014Detailed filing. Detailed filing data is available for this year.$146$132$14.3$8.12$7.00$1.11
2013Detailed filing. Detailed filing data is available for this year.$131$5.75$125$7.43$6.58$0.85
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$126$7.32$119$5.80
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$8.84$103$5.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$10.1$98.3$5.88
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.1
Gross Receipts
$25,077,747
Mission and Program Overview

Mission

To provide quality, efficient and professional services to meet our members' financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$360,873,072$342,917,932▼ $17,955,140
Savings and Temporary Cash Investments$22,505,994$52,667,205▲ $30,161,211
Rtn Earn Endowment Incm Other Fnds$30,313,441$32,474,371▲ $2,160,930
Investments in Publicly Traded Securities$26,517,839$23,838,126▼ $2,679,713
Investments Program Related$8,694,250$6,776,308▼ $1,917,942
Land, Buildings, and Equipment, Net$6,163,299$5,788,339▼ $374,960
Prepaid Expenses and Deferred Charges$1,059,548$2,170,969▲ $1,111,421
Cash and Non-Interest-Bearing Accounts$699,289$729,656▲ $30,367
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0--
Loans From Officers Directors$0$0→ $0
Total Assets$430,094,580$441,634,272▲ $11,539,692
Other Assets Total$3,581,289$6,745,737▲ $3,164,448
Liabilities
Other Liabilities$308,658,146$348,150,916▲ $39,492,770
Mortgage Notes Payable Secured by Investment Property$90,500,000$60,500,000▼ $30,000,000
Deferred Revenue$350,000$285,833▼ $64,167
Accounts Payable and Accrued Expenses$272,993$223,152▼ $49,841
Total Liabilities$399,781,139$409,159,901▲ $9,378,762
Net Assets / Fund Balance
Total Net Assets Fund Balance$30,313,441$32,474,371▲ $2,160,930
Total Liabilities and Net Assets / Fund Balance$430,094,580$441,634,272▲ $11,539,692

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,485,995$2,934,628$5,420,623
Equipment$385,596$4,607,926$4,993,522
Leasehold Improvements$1,595,350$717,262$2,312,612
Land$1,321,398-$1,321,398
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jason ListerDirector of Mortgage LendingFT$295,626$101,149$396,775
Mitchell SwansonDirector of Underwriting & Quality ControlFT$285,422$83,165$368,587
Bruce WebbPresidentFT$240,554$120,686$361,240
Peter ShinerSVP / Chief Risk OfficerFT$152,545$54,355$206,900
Jeff BirdsellVP Senior Commercial LenderFT$129,540$64,551$194,091
Matthew MyersLoan OfficerFT$124,597$32,725$157,322
Jacquelyn LawhonDirector of Finance & Operations End 11/24FT$130,471$22,778$153,249
Farrah HillMortgage Loan AssociateFT$108,362$22,737$131,099
Terry BarksdaleVP Commercial LenderFT$113,947$16,202$130,149
Tyler StarkLoan OfficerFT$120,905$1,959$122,864

Board Members and Trustees

NameTitle
Rick WaggonerBoard Chairman
Angela MyersVice Chairman
Lance ClouseBoard Member
Michael CooperBoard Member
Robert MillerBoard Member
Jacob MclauchinBoard Secretary
Bill PerkinBoard Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$22,401,968
Investment Income
$2,664,358
Other Revenue
$0
Change in Net Assets
$2,129,338
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,779,311
Salaries, Compensation, and Employee Benefits$5,832,273
Grants and Similar Amounts Paid$325,404
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,378,372
Interest---$3,286,755
Current Officers, Directors, Trustees, and Key Employees---$1,045,629
Other Employee Benefits---$1,032,194
All Other Expenses---$674,670
Office Expenses---$549,971
Occupancy---$542,662
Information Technology---$515,688
Depreciation Depletion---$414,485
Payroll Taxes---$376,078
Advertising---$357,834
Other Expenses---$346,288
Grants to Domestic Orgs---$325,404
Fees for Services Other---$271,684
Fees for Services Legal---$101,312
Conferences and Meetings---$79,156
Fees for Services Accounting---$72,500
Travel---$10,891
Total Functional Expenses$0$0$0$22,936,988
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Convoy of HopeSpringfield, MO501(c)(3)General Fund & Disaster Relief$45,000
Evangel UniversitySpringfield, MO501(c)(3)Scholarships & Golf Tournament$25,000
Global UniversitySpringfield, MO501(c)(3)Scholarships$18,000
Southwestern Assemblies of God UniversityWaxahachie, TX501(c)(3)Scholarships$18,000
Ozarks Teen ChallengeBranson West, MO501(c)(3)5k Sponsor/banquet & Silent Auction$15,000
I Pour LifeSpringfield, MO501(c)(3)Soiree Sponsor & Golf Tournament Sponsor$13,000
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal Income Taxes$348,150,916
Member Shares-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
CEO compensation reviewed
Yes
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, Line 6 Classes of members or stockholders

“The entity is a missouri state chartered credit union whose members have authority to elect the governing body and approve significant decisions of the governing body.”

Form 990, Part VI, Line 7A Members or stockholders electing members of governing body

“The members of the credit union elect all board members to serve three year terms.”

Form 990, Part VI, Line 7B Decisions requiring approval by members or stockholders

“Members must, by majority vote, elect to change the by-laws and approve mergers with other credit unions.”

Form 990, Part VI, Line 11B Review of form 990 by governing body

“The form 990 is reviewed by the board and an executive before filing the tax return.”

Form 990, Part VI, Line 12C Conflict of interest policy

“Transactions involving conflicts of interest between the credit union and an officer, director, committee member or staff are reviewed for fairness to the credit union and approved by the board of directors. Any person involved in the conflict must abstain from discussion and voting on the transaction.”

Form 990, Part VI, Line 15A Process to establish compensation of top management official

“The board of directosr determines the ceo's compensation based on a review of external salary reports and the performance of the organization.”

Form 990, Part VI, Line 19 Required documents available to the public

“Financial statements are presented at the annual meeting and are available upon request. In addition, the ncua website posts quarterly call reports of financial information, which are available to the public. Other documents and policies are available upon request.”

Form 990, Part VIII, Line 2F Other Program Service Revenue

“- Total Revenue: 79645, Related or Exempt Function Revenue: 79645, Unrelated Business Revenue: , Revenue Excluded from Tax Under Sections 512, 513, or 514: ;”

Filing and Contact Details

Filer

Filer Name
Assemblies of God Credit Union
EIN
44-0599527
Phone
4178824300
Address
1535 N Campbell, Springfield, MO 65803

Signing Officer

Name
Michael Sisk
Title
CFO
Phone
4174479332
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
76
Volunteers
12

Preparer

Firm
Forvis Mazars LLP
Address
910 E St Louis 200 PO Box 1190, Springfield, MO 65806-2523
Preparer
Kayla Bell
Phone
4178658701
Supplemental Narrative

Additional Explanations

Form 990, Part XII, Line 2B

“The organization's financial statements are audited by an independent accountant as of september 30 of each year. The organization's supervisory committee is reponsible for oversight of the annual audits and selection of the independent accountant.”

Financial Statement Notes

Schedule D, Part X, Line 2 UNCERTAIN TAX POSITIONS

“Management has evaluated their income tax positions under the guidance included in asc 740. Based on their review, management has not identified any material uncertain tax positions to be recorded or disclosed in the financial statements.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY
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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR OF FINANCE & OPERATIONS END 11/24
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP SENIOR COMMERCIAL LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP / CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP COMMERCIAL LENDER
IRS990/Form990PartVIISectionAGrp/TitleTxt12MORTGAGE LOAN ASSOCIATE
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR OF MORTGAGE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt14LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR OF UNDERWRITING & QUALITY CONTROL
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part X, Line 2 UNCERTAIN TAX POSITIONS
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IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0GENERAL FUND & DISASTER RELIEF
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1SCHOLARSHIPS & GOLF TOURNAMENT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2SCHOLARSHIPS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt3SCHOLARSHIPS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt45K SPONSOR/BANQUET & SILENT AUCTION
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt5SOIREE SPONSOR & GOLF TOURNAMENT SPONSOR
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0CONVOY OF HOPE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1EVANGEL UNIVERSITY
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt2GLOBAL UNIVERSITY
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt3SOUTHWESTERN ASSEMBLIES OF GOD UNIVERSITY
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt4OZARKS TEEN CHALLENGE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt5I POUR LIFE
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IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt21211 S GLENSTONE
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt31200 SYCAMORE

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