Civic Intelligence

River Region Credit Union

EIN 44-0623480 • 501(c)14 • Jefferson City, MO

View Organization Page

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

3124 West Edgewood DriveJefferson City, MO 65109-6865

www.rrcu.org

Siviq Scores

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

Liabilities / Assets

68th percentile

0.91x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

86th percentile

19.40x

Higher debt load relative to revenue than 86% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

95th percentile

28%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $250M-$1B 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

97th percentile

16%

Faster asset growth than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

45th percentile

13%

Faster revenue growth than 45% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$508,385,975

Up $54,075,248 (+12%) from 2022

Liabilities

Up

$464,428,470

Up $49,247,250 (+12%) from 2022

Net Assets

Up

$43,957,505

Up $4,827,998 (+12%) from 2022

Operations
Liabilities / Revenue86th percentileNet Margin95th percentile

Revenue

Up

$29,456,576

Up $8,059,486 (+38%) from 2022

Expenses

Up

$24,898,890

Up $9,391,533 (+61%) from 2022

Net Income

Down

$4,557,686

Down $1,332,047 (-23%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth97th percentile

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

$600M$400M$200M$0Assets 2010: $68,062,262Liabilities 2010: $62,382,868Net Assets 2010: $5,679,3942010Assets 2011: $74,634,939Liabilities 2011: $68,369,837Net Assets 2011: $6,265,1022011Assets 2012: $83,572,728Liabilities 2012: $76,337,193Net Assets 2012: $7,235,5352012Assets 2013: $95,162,680Liabilities 2013: $87,207,452Net Assets 2013: $7,955,2282013Assets 2014: $106,114,072Liabilities 2014: $97,241,056Net Assets 2014: $8,873,0162014Assets 2015: $115,172,259Liabilities 2015: $105,004,228Net Assets 2015: $10,168,0312015Assets 2016: $184,285,829Liabilities 2016: $165,878,768Net Assets 2016: $18,407,0612016Assets 2017: $207,895,314Liabilities 2017: $187,387,711Net Assets 2017: $20,507,6032017Assets 2018: $237,246,176Liabilities 2018: $214,641,598Net Assets 2018: $22,604,5782018Assets 2019: $267,453,155Liabilities 2019: $242,497,533Net Assets 2019: $24,955,6222019Assets 2020: $323,515,762Liabilities 2020: $294,998,794Net Assets 2020: $28,516,9682020Assets 2021: $392,060,751Liabilities 2021: $357,765,579Net Assets 2021: $34,295,1722021Assets 2022: $454,310,727Liabilities 2022: $415,181,220Net Assets 2022: $39,129,5072022Assets 2023: $508,385,975Liabilities 2023: $464,428,470Net Assets 2023: $43,957,5052023

Highlighted filing

2023

Assets$508,385,975
Liabilities$464,428,470
Net Assets$43,957,505
Open 2023 Filing

Operations Trend

Revenue Growth45th percentile

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

$30M$20M$10M$0Expenses 2010: $4,220,6342010Expenses 2011: $4,316,7182011Expenses 2012: $4,539,9102012Revenue 2013: $5,502,321Expenses 2013: $4,699,657Net Income 2013: $802,6642013Revenue 2014: $6,309,035Expenses 2014: $5,376,241Net Income 2014: $932,7942014Revenue 2015: $7,965,617Expenses 2015: $6,670,602Net Income 2015: $1,295,0152015Revenue 2016: $9,925,089Expenses 2016: $8,404,984Net Income 2016: $1,520,1052016Revenue 2017: $11,215,224Expenses 2017: $9,124,484Net Income 2017: $2,090,7402017Revenue 2018: $12,851,143Expenses 2018: $10,715,363Net Income 2018: $2,135,7802018Revenue 2019: $14,771,655Expenses 2019: $12,504,018Net Income 2019: $2,267,6372019Revenue 2020: $17,665,298Expenses 2020: $14,236,587Net Income 2020: $3,428,7112020Revenue 2021: $18,875,180Expenses 2021: $13,033,041Net Income 2021: $5,842,1392021Revenue 2022: $21,397,090Expenses 2022: $15,507,357Net Income 2022: $5,889,7332022Revenue 2023: $29,456,576Expenses 2023: $24,898,890Net Income 2023: $4,557,6862023

Highlighted filing

2023

Revenue$29,456,576
Expenses$24,898,890
Net Income$4,557,686
Open 2023 Filing

Filings

Most recent year

2023 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$508,385,975
Liabilities
$464,428,470
Net assets
$43,957,505
Revenue
$29,456,576
Expenses
$24,898,890
Net income
$4,557,686
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$508$464$44.0$29.5$24.9$4.56
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$454$415$39.1$21.4$15.5$5.89
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$392$358$34.3$18.9$13.0$5.84
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$324$295$28.5$17.7$14.2$3.43
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$267$242$25.0$14.8$12.5$2.27
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$237$215$22.6$12.9$10.7$2.14
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$208$187$20.5$11.2$9.12$2.09
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$184$166$18.4$9.93$8.40$1.52
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$115$105$10.2$7.97$6.67$1.30
2014Detailed filing. Detailed filing data is available for this year.$106$97.2$8.87$6.31$5.38$0.93
2013Detailed filing. Detailed filing data is available for this year.$95.2$87.2$7.96$5.50$4.70$0.80
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.6$76.3$7.24$4.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.6$68.4$6.27$4.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.1$62.4$5.68$4.22
Latest Detailed Filing

The latest 2023 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Oct 30, 2023
Return Version
2022v5.0
Gross Receipts
$21,397,090
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$298,986,216$361,431,480▲ $62,445,264
Rtn Earn Endowment Incm Other Fnds$34,295,172$39,129,507▲ $4,834,335
Investments Other Securities$29,189,057$32,782,231▲ $3,593,174
Savings and Temporary Cash Investments$29,406,133$22,394,019▼ $7,012,114
Land, Buildings, and Equipment, Net$15,947,235$17,275,225▲ $1,327,990
Cash and Non-Interest-Bearing Accounts$5,224,102$5,894,712▲ $670,610
Receivables From Officers Etc$3,952,199$4,054,931▲ $102,732
Prepaid Expenses and Deferred Charges$460,145$605,651▲ $145,506
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$392,060,751$454,310,727▲ $62,249,976
Other Assets Total$8,895,664$9,872,478▲ $976,814
Liabilities
Other Liabilities$352,178,499$406,237,921▲ $54,059,422
Mortgage Notes Payable Secured by Investment Property$1,800,000$4,575,000▲ $2,775,000
Accounts Payable and Accrued Expenses$3,645,970$4,193,015▲ $547,045
Escrow Account Liability$141,110$175,284▲ $34,174
Total Liabilities$357,765,579$415,181,220▲ $57,415,641
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,295,172$39,129,507▲ $4,834,335
Total Liabilities and Net Assets / Fund Balance$392,060,751$454,310,727▲ $62,249,976

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,890,584$1,888,340$13,778,924
Equipment$1,672,864$2,103,353$3,776,217
Land$3,711,777-$3,711,777
Other Securities$18,974,622--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Richard NicholsPresident/CEOFT$382,867$347,548$730,415
Galen WilhoitEvp/chief Financial OfficerFT$192,106$69,836$261,942
Louie DelkChief Member Experience OfficerFT$156,906$76,072$232,978
Will LemenDealer Services ManagerFT$142,140$28,862$171,002
Lisa WolkenVice President-real Estate Loan OriginationFT$117,445$17,130$134,575
Ange DaipraiVice President-operationsFT$99,247$22,301$121,548
Donna ToebbenVice President-human ResourcesFT$91,146$29,219$120,365
Dave MillerVice President-residential LendingFT$102,758$15,568$118,326
Dana AldermanVice President-business DevelopmentFT$83,748$17,578$101,326
Jd MooreVice President-information TechnologyFT$71,022$10,105$81,127
Randy BurhansVice President-information Technology (term)FT$42,113$15,855$57,968
Craig DunnVice President-real Estate LendingFT$28,040$306$28,346

Board Members and Trustees

NameTitle
Kevin RobinsonChairman
Allen FloydVice Chairman
Chris LeuckelBoard Member
Dianna SilvesterBoard Member
Jim BuschBoard Member
Martha NewmanBoard Member
Richard CoffeyBoard Member
Scott ThieretBoard Member
William BorengasserBoard Member
Jerry FergusonSecretary
Dave WilliamsTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,567,893
Investment Income
$789,600
Other Revenue
$39,597
Change in Net Assets
$5,889,733
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,499,819
Salaries, Compensation, and Employee Benefits$6,981,538
Grants and Similar Amounts Paid$26,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,800,729
Current Officers, Directors, Trustees, and Key Employees---$1,988,916
Office Expenses---$1,032,972
Advertising---$1,024,380
Depreciation Depletion---$765,682
Information Technology---$604,052
Fees for Services Other---$577,954
Other Employee Benefits---$548,438
All Other Expenses---$400,585
Payroll Taxes---$375,171
Occupancy---$371,695
Pension Plan Contributions---$268,284
Fees for Services Legal---$216,451
Travel---$119,307
Interest---$100,599
Insurance---$92,251
Other Expenses---$76,903
Fees for Services Accounting---$64,019
Grants to Domestic Individuals---$26,000
Fees for Service Investment Mgmnt Fees---$4,300
Total Functional Expenses$0$0$0$15,507,357
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$3,952,199$4,054,931▲ $102,732
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$406,237,921
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
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 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 president/ceo reviews the form 990 with credit union management and the accounting firm preparing the return before presenting it to the board of directors.”

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

“On an annual basis, all officers, directors and key employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board of directors reviews the president/ceo's performance and determines compensation using various information, including salary surveys. All other management compensation is determined by the president/ceo, also using salary surveys, and is presented as part of the budget package to the board of directors for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are presented at the annual meeting 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
River Region Credit Union
EIN
44-0623480
Phone
5736354185
Address
3124 WEST EDGEWOOD DRIVE, JEFFERSON CITY, MO 65109-6865

Signing Officer

Name
Richard Nichols
Title
President/CEO
Phone
5736354185
Signed
2023-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Richard Nichols
Formed
1954
Legal Domicile
Mo
Voting Board Members
11
Independent Board Members
11
Employees
106
Volunteers
16

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 XI, LINE 9:

“Adjustment for credit received 11,373.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans.”

Raw XML AppendixShowing 400 of 643 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/BOYAmt03645970
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04193015
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt01024380
IRS990/AllOtherExpensesGrp/TotalAmt0400585
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0GALEN WILHOIT
IRS990/BooksInCareOfDetail/PhoneNum05736354185
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt03124 WEST EDGEWOOD DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0JEFFERSON CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0651096865
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IRS990/CashNonInterestBearingGrp/EOYAmt05894712
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IRS990/CompensationProcessOtherInd01
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IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0765682
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 28,780 MEMBERS.
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IRS990/Form990PartVIISectionAGrp/PersonNm2JERRY FERGUSON
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IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS LEUCKEL
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IRS990/Form990PartVIISectionAGrp/PersonNm10SCOTT THIERET
IRS990/Form990PartVIISectionAGrp/PersonNm11RICHARD NICHOLS
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IRS990/Form990PartVIISectionAGrp/PersonNm14ANGE DAIPRAI
IRS990/Form990PartVIISectionAGrp/PersonNm15DANA ALDERMAN
IRS990/Form990PartVIISectionAGrp/PersonNm16DONNA TOEBBEN
IRS990/Form990PartVIISectionAGrp/PersonNm17DAVE MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm18RANDY BURHANS
IRS990/Form990PartVIISectionAGrp/PersonNm19LISA WOLKEN
IRS990/Form990PartVIISectionAGrp/PersonNm20JD MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm21CRAIG DUNN
IRS990/Form990PartVIISectionAGrp/PersonNm22WILL LEMEN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11527963
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12230562
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13191371
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1499247
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1583748
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1691146
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17102758
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1842113
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19117445
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2071022
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2128040
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22143458
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF MEMBER EXPERIENCE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT-OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT-BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt16VICE PRESIDENT-HUMAN RESOURCES
IRS990/Form990PartVIISectionAGrp/TitleTxt17VICE PRESIDENT-RESIDENTIAL LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VICE PRESIDENT-INFORMATION TECHNOLOGY (TERM)
IRS990/Form990PartVIISectionAGrp/TitleTxt19VICE PRESIDENT-REAL ESTATE LOAN ORIGINATION
IRS990/Form990PartVIISectionAGrp/TitleTxt20VICE PRESIDENT-INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt21VICE PRESIDENT-REAL ESTATE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt22DEALER SERVICES MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt026000
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt021397090
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt06
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0604052
IRS990/InsuranceGrp/TotalAmt092251
IRS990/InterestGrp/TotalAmt0100599
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0789600
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0789600
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt029189057
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt032782231
IRS990/IRPDocumentCnt08784
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03991693
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015947235
IRS990/LandBldgEquipBasisNetGrp/EOYAmt017275225
IRS990/LandBldgEquipCostOrOtherBssAmt021266918
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt01800000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt04575000
IRS990/NetAssetsOrFundBalancesBOYAmt034295172
IRS990/NetAssetsOrFundBalancesEOYAmt039129507
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-1066771
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0371695
IRS990/OfficeExpensesGrp/TotalAmt01032972
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08895664
IRS990/OtherAssetsTotalGrp/EOYAmt09872478
IRS990/OtherChangesInNetAssetsAmt011373
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0548438
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt02159690
IRS990/OtherExpensesGrp/TotalAmt1702233
IRS990/OtherExpensesGrp/TotalAmt2186746
IRS990/OtherExpensesGrp/TotalAmt376903
IRS990/OtherLiabilitiesGrp/BOYAmt0352178499
IRS990/OtherLiabilitiesGrp/EOYAmt0406237921
IRS990/OtherSalariesAndWagesGrp/TotalAmt03800729
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0298986216
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0361431480
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0375171
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0268284
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0460145
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0605651
IRS990/PrincipalOfficerNm0RICHARD NICHOLS
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY & OTHER INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt015248807
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15242113
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt015248807
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15274411
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt244675
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt032298
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt144675
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2022, THERE WERE 23,366 LOANS OUTSTANDING TOTALING $363,546,058.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $2,159,690 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt022000
IRS990/PYInvestmentIncomeAmt0565890
IRS990/PYOtherExpensesAmt07024816
IRS990/PYOtherRevenueAmt032670
IRS990/PYProgramServiceRevenueAmt018276620
IRS990/PYRevenuesLessExpensesAmt05842139
IRS990/PYSalariesCompEmpBnftPaidAmt05986225
IRS990/PYTotalExpensesAmt013033041
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt018875180
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt03952199
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt04054931
IRS990/ReconcilationRevenueExpnssAmt05889733
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt039597
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt039597
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt034295172
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt039129507
IRS990/SavingsAndTempCashInvstGrp/BOYAmt029406133
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022394019
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt011890584
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01888340
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt013778924
IRS990ScheduleD/EquipmentGrp/BookValueAmt01672864
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02103353
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03776217
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt03711777
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03711777
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0406237921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02970200
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt11784855
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt27972316
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt31080238
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt418974622
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB MEMBERSHIP STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CREDIT UNION SERVICE ORGANIZATIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2AFS-FEDERAL AGENCY SEC
IRS990ScheduleD/OtherSecuritiesGrp/Desc3AFS-CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc4HTM-CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt017275225
IRS990ScheduleD/TotalBookValueSecuritiesAmt032782231
IRS990ScheduleD/TotalLiabilityAmt0406237921
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt026000

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