Civic Intelligence

Kc Area Credit Union

EIN 44-0625085 • 501(c)14 • Kansas City, MO

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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.

PO Box 15566Kansas City, MO 64106-0566

www.kcareacu.com

Siviq Scores

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

Liabilities / Assets

32nd percentile

0.83x

Higher debt load relative to assets than 32% of similar nonprofits.

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

Liabilities / Revenue

26th percentile

12.51x

Higher debt load relative to revenue than 26% of similar nonprofits.

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

Net Margin

64th percentile

12%

Higher net margin than 64% of similar nonprofits.

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

Top Officer Pay

77th percentile

$106,749

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 14.5% of source-year revenue.

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

Asset Growth

77th percentile

4.3%

Faster asset growth than 77% of similar nonprofits.

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

Revenue Growth

38th percentile

3.0%

Faster revenue growth than 38% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$10,702,724

Down $1,192,617 (-10%) from 2022

Liabilities

Down

$8,844,728

Down $1,352,783 (-13%) from 2022

Net Assets

Up

$1,857,996

Up $160,166 (+9.4%) from 2022

Operations
Liabilities / Revenue26th percentileNet Margin64th percentile

Revenue

Up

$715,603

Up $187,296 (+35%) from 2022

Expenses

Up

$632,394

Up $100,991 (+19%) from 2022

Net Income

Up

$83,209

Up $86,305 (+2788%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$15M$10M$5.0M$0Assets 2010: $4,311,596Liabilities 2010: $3,702,097Net Assets 2010: $609,4992010Assets 2012: $4,649,389Liabilities 2012: $4,081,121Net Assets 2012: $568,2682012Assets 2014: $4,728,144Liabilities 2014: $4,147,908Net Assets 2014: $580,2362014Assets 2015: $5,023,120Liabilities 2015: $4,404,266Net Assets 2015: $618,8542015Assets 2016: $4,985,789Liabilities 2016: $4,356,136Net Assets 2016: $629,6532016Assets 2017: $11,316,575Liabilities 2017: $9,564,949Net Assets 2017: $1,751,6262017Assets 2019: $10,966,735Liabilities 2019: $9,183,310Net Assets 2019: $1,783,4252019Assets 2020: $11,911,462Liabilities 2020: $10,131,411Net Assets 2020: $1,780,0512020Assets 2021: $12,401,089Liabilities 2021: $10,700,218Net Assets 2021: $1,700,8712021Assets 2022: $11,895,341Liabilities 2022: $10,197,511Net Assets 2022: $1,697,8302022Assets 2024: $10,702,724Liabilities 2024: $8,844,728Net Assets 2024: $1,857,9962024

Highlighted filing

2024

Assets$10,702,724
Liabilities$8,844,728
Net Assets$1,857,996
Open 2024 Filing

Operations Trend

Revenue Growth38th percentile

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

$800K$600K$400K$200K$0-$200KExpenses 2010: $366,2382010Expenses 2012: $322,5012012Revenue 2014: $297,412Expenses 2014: $257,845Net Income 2014: $39,5672014Revenue 2015: $334,767Expenses 2015: $296,229Net Income 2015: $38,5382015Revenue 2016: $338,805Expenses 2016: $328,063Net Income 2016: $10,7422016Revenue 2017: $541,871Expenses 2017: $500,380Net Income 2017: $41,4912017Revenue 2019: $541,316Expenses 2019: $521,644Net Income 2019: $19,6722019Revenue 2020: $492,720Expenses 2020: $496,140Net Income 2020: -$3,4202020Revenue 2021: $452,889Expenses 2021: $532,129Net Income 2021: -$79,2402021Revenue 2022: $528,307Expenses 2022: $531,403Net Income 2022: -$3,0962022Revenue 2024: $715,603Expenses 2024: $632,394Net Income 2024: $83,2092024

Highlighted filing

2024

Revenue$715,603
Expenses$632,394
Net Income$83,209
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
$10,702,724
Liabilities
$8,844,728
Net assets
$1,857,996
Revenue
$715,603
Expenses
$632,394
Net income
$83,209
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$8.84$1.86$0.72$0.63$0.08
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$10.2$1.70$0.53$0.53$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.4$10.7$1.70$0.45$0.53$0.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.9$10.1$1.78$0.49$0.50$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.0$9.18$1.78$0.54$0.52$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.3$9.56$1.75$0.54$0.50$0.04
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.99$4.36$0.63$0.34$0.33$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.02$4.40$0.62$0.33$0.30$0.04
2014Detailed filing. Detailed filing data is available for this year.$4.73$4.15$0.58$0.30$0.26$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.65$4.08$0.57$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.31$3.70$0.61$0.37
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$715,603
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
Savings and Temporary Cash Investments$5,002,940$5,899,564▲ $896,624
Other Notes and Loans Receivable, Net$4,729,560$3,986,647▼ $742,913
Rtn Earn Endowment Incm Other Fnds$1,774,733$1,857,996▲ $83,263
Cash and Non-Interest-Bearing Accounts$368,709$579,339▲ $210,630
Land, Buildings, and Equipment, Net$87,533$98,631▲ $11,098
Prepaid Expenses and Deferred Charges$61,461$33,811▼ $27,650
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$10,369,250$10,702,724▲ $333,474
Other Assets Total$119,047$104,732▼ $14,315
Liabilities
Other Liabilities$8,504,456$8,799,519▲ $295,063
Accounts Payable and Accrued Expenses$90,061$45,209▼ $44,852
Total Liabilities$8,594,517$8,844,728▲ $250,211
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,774,733$1,857,996▲ $83,263
Total Liabilities and Net Assets / Fund Balance$10,369,250$10,702,724▲ $333,474

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$56,269$135,810$192,079
Equipment$42,362$16,016$58,378
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elisha ChurchillPresidentFT$75,465$27,561$103,026

Board Members and Trustees

NameTitle
Josef GunterChairman
Rob HooverVice Chairman
Dirk SoldanDirector
Evelyn StilesDirector
Gail BrownDirector
Jennifer SchumacherDirector
Mike DunsworthDirector
Theresa DungansDirector
Nicole WatkinsSecretary / Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$486,961
Investment Income
$228,642
Other Revenue
$0
Change in Net Assets
$83,209
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$363,796
Salaries, Compensation, and Employee Benefits$268,598
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$131,458
Information Technology---$112,979
Current Officers, Directors, Trustees, and Key Employees---$103,026
Office Expenses---$65,437
Occupancy---$26,474
Depreciation Depletion---$26,384
Other Employee Benefits---$19,232
Payroll Taxes---$14,882
Fees for Services Accounting---$12,843
Other Expenses---$5,836
All Other Expenses---$2,759
Fees for Service Investment Mgmnt Fees---$2,144
Advertising---$138
Total Functional Expenses$0$0$0$632,394
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$8,799,519
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 2

“Rob hoover, director is the husband of diana hoover, supervisory committee member.”

Form 990, Part VI, Section A, Line 2

“Board member, rob hoover is married to supervisory committee member, diana hoover.”

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

“Management prepares information, reviews the form 990, and makes a copy available to all board members for their review.”

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

“On an annual basis, officers, directors and key employees are required to review the conflict of interest policy, disclose any interests that could result in conflict, 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

“Compensation for the president and all other full-time employees is determined based on u.s. Government payscales and is subject to board approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union, 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
Kc Area Credit Union
EIN
44-0625085
Phone
8169365050
Address
PO BOX 15566, KANSAS CITY, MO 64106-0566

Signing Officer

Name
Elisha Churchill
Title
President
Phone
8169365050
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Elisha Churchill
Formed
1946
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
4
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 XI, LINE 9:

“NEW MEMBER FEES 54.”

Raw XML Appendix363 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/BOYAmt090061
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt045209
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/TotalAmt0138
IRS990/AllOtherExpensesGrp/TotalAmt02759
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0ELISHA CHURCHILL
IRS990/BooksInCareOfDetail/PhoneNum08169365050
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0601 E 12TH STREET ROOM G-61
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd064106
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0368709
IRS990/CashNonInterestBearingGrp/EOYAmt0579339
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0103026
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0228642
IRS990/CYOtherExpensesAmt0363796
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0486961
IRS990/CYRevenuesLessExpensesAmt083209
IRS990/CYSalariesCompEmpBnftPaidAmt0268598
IRS990/CYTotalExpensesAmt0632394
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0715603
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt026384
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,038 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt012843
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt02144
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
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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/OtherCompensationAmt927561
IRS990/Form990PartVIISectionAGrp/PersonNm0JOSEF GUNTER
IRS990/Form990PartVIISectionAGrp/PersonNm1NICOLE WATKINS
IRS990/Form990PartVIISectionAGrp/PersonNm2THERESA DUNGANS
IRS990/Form990PartVIISectionAGrp/PersonNm3ROB HOOVER
IRS990/Form990PartVIISectionAGrp/PersonNm4EVELYN STILES
IRS990/Form990PartVIISectionAGrp/PersonNm5MIKE DUNSWORTH
IRS990/Form990PartVIISectionAGrp/PersonNm6DIRK SOLDAN
IRS990/Form990PartVIISectionAGrp/PersonNm7GAIL BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm8JENNIFER SCHUMACHER
IRS990/Form990PartVIISectionAGrp/PersonNm9ELISHA CHURCHILL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt975465
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY / TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndivRcvdGreaterThan100KCnt00
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IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt01857996
IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt039471
IRS990/OtherExpensesGrp/TotalAmt136370
IRS990/OtherExpensesGrp/TotalAmt232961
IRS990/OtherExpensesGrp/TotalAmt35836
IRS990/OtherLiabilitiesGrp/BOYAmt08504456
IRS990/OtherLiabilitiesGrp/EOYAmt08799519
IRS990/OtherSalariesAndWagesGrp/TotalAmt0131458
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04729560
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03986647
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt014882
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt061461
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt033811
IRS990/PrincipalOfficerNm0ELISHA CHURCHILL
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/RelatedOrExemptFuncIncomeAmt0346201
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1137256
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0346201
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1140460
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2300
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03204
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1300
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 437 MEMBER LOANS OUTSTANDING TOTALING $3,296,594.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $36,370 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0190318
IRS990/PYOtherExpensesAmt0360506
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0500131
IRS990/PYRevenuesLessExpensesAmt076844
IRS990/PYSalariesCompEmpBnftPaidAmt0253099
IRS990/PYTotalExpensesAmt0613605
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0690449
IRS990/ReconcilationRevenueExpnssAmt083209
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01774733
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01857996
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05002940
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05899564
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt042362
IRS990ScheduleD/EquipmentGrp/DepreciationAmt016016
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt058378
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt056269
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0135810
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0192079
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08799519
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt098631
IRS990ScheduleD/TotalLiabilityAmt08799519
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ROB HOOVER, DIRECTOR IS THE HUSBAND OF DIANA HOOVER, SUPERVISORY COMMITTEE MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBER, ROB HOOVER IS MARRIED TO SUPERVISORY COMMITTEE MEMBER, DIANA HOOVER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS, HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT PREPARES INFORMATION, REVIEWS THE FORM 990, AND MAKES A COPY AVAILABLE TO ALL BOARD MEMBERS FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ON AN ANNUAL BASIS, OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD RESULT IN CONFLICT, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMPENSATION FOR THE PRESIDENT AND ALL OTHER FULL-TIME EMPLOYEES IS DETERMINED BASED ON U.S. GOVERNMENT PAYSCALES AND IS SUBJECT TO BOARD APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9NEW MEMBER FEES 54.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt010369250
IRS990/TotalAssetsEOYAmt010702724
IRS990/TotalAssetsGrp/BOYAmt010369250
IRS990/TotalAssetsGrp/EOYAmt010702724
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0632394
IRS990/TotalGrossUBIAmt03504
IRS990/TotalLiabilitiesBOYAmt08594517
IRS990/TotalLiabilitiesEOYAmt08844728
IRS990/TotalLiabilitiesGrp/BOYAmt08594517
IRS990/TotalLiabilitiesGrp/EOYAmt08844728
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01774733
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01857996
IRS990/TotalOtherCompensationAmt027561
IRS990/TotalProgramServiceRevenueAmt0486961
IRS990/TotalReportableCompFromOrgAmt075465
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0712099
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0715603
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03504
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt010369250
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010702724
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 15566
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641060566
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.KCAREACU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0ELISHA CHURCHILL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08169365050
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0KC AREA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0KCAR
ReturnHeader/Filer/EIN0440625085
ReturnHeader/Filer/PhoneNum08169365050
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 15566
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641060566
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
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/PreparationDt02025-05-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-05-13T12:40:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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