Civic Intelligence

Cross Roads Credit Union

EIN 44-0640547 • 501(c)14 • Kansas 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.

4357 N Chouteau TrafficwayKansas City, MO 64117-1743

www.crossroadscu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2019

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2019

Net Margin

30th percentile

-187%

Higher net margin than 30% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2019

Top Officer Pay

78th percentile

$54,279

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 29.0% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2019

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2018 to 2019

Revenue Growth

60th percentile

-34%

Faster revenue growth than 60% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $4,295,418 (-100%) from 2018

Liabilities

Down

$0

Down $3,637,868 (-100%) from 2018

Net Assets

Down

$0

Down $657,550 (-100%) from 2018

Operations
Liabilities / Revenue96th percentileNet Margin30th percentile

Revenue

Down

$187,442

Down $97,707 (-34%) from 2018

Expenses

Up

$538,819

Up $247,435 (+85%) from 2018

Net Income

Down

-$351,377

Down $345,142 (-5536%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,812,776Liabilities 2010: $3,946,597Net Assets 2010: $866,1792010Assets 2011: $4,557,795Liabilities 2011: $3,698,849Net Assets 2011: $858,9462011Assets 2012: $4,420,353Liabilities 2012: $3,704,622Net Assets 2012: $715,7312012Assets 2013: $4,415,885Liabilities 2013: $3,731,841Net Assets 2013: $684,0442013Assets 2014: $4,382,285Liabilities 2014: $3,665,333Net Assets 2014: $716,9522014Assets 2015: $4,492,769Liabilities 2015: $3,774,434Net Assets 2015: $718,3352015Assets 2016: $4,317,765Liabilities 2016: $3,613,194Net Assets 2016: $704,5712016Assets 2017: $4,080,993Liabilities 2017: $3,417,208Net Assets 2017: $663,7852017Assets 2018: $4,295,418Liabilities 2018: $3,637,868Net Assets 2018: $657,5502018Assets 2019: $0Liabilities 2019: $0Net Assets 2019: $02019

Highlighted filing

2019

Assets$0
Liabilities$0
Net Assets$0
Open 2019 Filing

Operations Trend

Revenue Growth60th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $431,2572010Expenses 2011: $439,2082011Expenses 2012: $499,6122012Revenue 2013: $371,700Expenses 2013: $403,387Net Income 2013: -$31,6872013Revenue 2014: $313,859Expenses 2014: $280,951Net Income 2014: $32,9082014Revenue 2015: $297,112Expenses 2015: $295,729Net Income 2015: $1,3832015Revenue 2016: $296,914Expenses 2016: $310,678Net Income 2016: -$13,7642016Revenue 2017: $277,738Expenses 2017: $318,524Net Income 2017: -$40,7862017Revenue 2018: $285,149Expenses 2018: $291,384Net Income 2018: -$6,2352018Revenue 2019: $187,442Expenses 2019: $538,819Net Income 2019: -$351,3772019

Highlighted filing

2019

Revenue$187,442
Expenses$538,819
Net Income-$351,377
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$187,442
Expenses
$538,819
Net income
-$351,377
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.19$0.54$0.35
2018Detailed filing. Detailed filing data is available for this year.$4.30$3.64$0.66$0.29$0.29$0.01
2017Detailed filing. Detailed filing data is available for this year.$4.08$3.42$0.66$0.28$0.32$0.04
2016Detailed filing. Detailed filing data is available for this year.$4.32$3.61$0.70$0.30$0.31$0.01
2015Detailed filing. Detailed filing data is available for this year.$4.49$3.77$0.72$0.30$0.30$0.00
2014Detailed filing. Detailed filing data is available for this year.$4.38$3.67$0.72$0.31$0.28$0.03
2013Detailed filing. Detailed filing data is available for this year.$4.42$3.73$0.68$0.37$0.40$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.42$3.70$0.72$0.50
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.56$3.70$0.86$0.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.81$3.95$0.87$0.43
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Aug 31, 2019
Signed
Mar 5, 2020
Return Version
2019v5.0
Gross Receipts
$187,442
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$2,660,102$0▼ $2,660,102
Savings and Temporary Cash Investments$1,517,472$0▼ $1,517,472
Rtn Earn Endowment Incm Other Fnds$657,550$0▼ $657,550
Cash and Non-Interest-Bearing Accounts$74,295$0▼ $74,295
Prepaid Expenses and Deferred Charges$3,856$0▼ $3,856
Land, Buildings, and Equipment, Net$887$0▼ $887
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$4,295,418$0▼ $4,295,418
Other Assets Total$38,806$0▼ $38,806
Liabilities
Other Liabilities$3,630,572$0▼ $3,630,572
Accounts Payable and Accrued Expenses$7,296--
Total Liabilities$3,637,868$0▼ $3,637,868
Net Assets / Fund Balance
Total Net Assets Fund Balance$657,550$0▼ $657,550
Total Liabilities and Net Assets / Fund Balance$4,295,418$0▼ $4,295,418
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy CardozaPresidentFT$50,580$3,699$54,279

Board Members and Trustees

NameTitle
Anita MacanChairman
Clyde WilliamsVice Chairman & Treasurer
Remy BlanchaertBoard Member
Barbara Graves-tillmanSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$178,727
Investment Income
$5,827
Other Revenue
$2,888
Change in Net Assets
$-351,377
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$397,073
Salaries, Compensation, and Employee Benefits$141,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$208,349
Other Salaries and Wages---$69,977
Information Technology---$66,185
Current Officers, Directors, Trustees, and Key Employees---$54,279
Fees for Services Accounting---$14,862
Occupancy---$11,312
Insurance---$9,166
Payroll Taxes---$8,814
Pension Plan Contributions---$7,757
All Other Expenses---$4,911
Other Expenses---$2,459
Other Employee Benefits---$919
Advertising---$605
Depreciation Depletion---$526
Conferences and Meetings---$467
Fees for Services Legal---$171
Total Functional Expenses$0$0$0$538,819
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 Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
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 4

“A certificate of merger was filed by the missouri division of credit unions.”

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. In 2019, members approved the board's recommendation to merge with united consumers credit union effective august 31, 2019.”

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

“The president reviews the form 990 before filing.”

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

“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 on an annual basis. Signed statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, line 15

“The board of directors reviews the president's performance and determines compensation using a salary survey. Compensation for all other employees is determined by the president and presented as part of the annual budget to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, line 19

“The ncua website posts financial information as part of the quarterly call reports. Financial statements and other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Cross Roads Credit Union
EIN
44-0640547
Phone
8164834574
Address
4357 N CHOUTEAU TRAFFICWAY, KANSAS CITY, MO 64117-1743

Signing Officer

Name
Chris Mccreary President
Title
United Consumers Credit Union
Phone
8163256900
Signed
2020-03-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Judy Cardoza
Formed
1928
Legal Domicile
Mo
Voting Board Members
4
Independent Board Members
4
Employees
3
Volunteers
6

Preparer

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

Additional Explanations

Form 990, Part XI, line 9:

“Transfer of net assets to united consumers credit union pursuant to merger -306,173.”

Raw XML AppendixShowing 400 of 430 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc1SAVINGS AND TEMPORARY INVESTMENTS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc2LOANS RECEIVABLE, NET OF ALLOWANCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc3PREPAID EXPENSES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc4EQUIPMENT, NET OF ACCUMULATED DEPRECIATION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc5NCUSIF DEPOSIT
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc6ACCRUED INCOME
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc7OTHER ASSETS & RECEIVABLES
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt3UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt4UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt5UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt6UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt7UNITED CONSUMERS CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt12019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt22019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt32019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt42019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt52019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt62019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt72019-08-31
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN1440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN2440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN3440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN4440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN5440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN6440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN7440541384
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt0158185
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt11237121
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt22613381
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt310381
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt4362
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt535610
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt64260
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt7263
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt3501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt4501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt5501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt6501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt7501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt3BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt4BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt5BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt6BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt7BOOK VALUE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt01111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt11111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt21111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt31111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt41111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt51111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt61111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt71111 E 23RD STREET S
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm3INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm4INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm5INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm6INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm7INDEPENDENCE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd3MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd4MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd5MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd6MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd7MO
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd064055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd164055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd264055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd364055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd464055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd564055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd664055
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd764055
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd01
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Person(s) Involved: JUDY CARDOZA, PRESIDENT
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt1Explanation of Involvement: JUDY CARDOZA WAS EMPLOYED THROUGH FEBRUARY 2020 TO ASSIST WITH THE MERGER.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 2e:
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 2e:
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A CERTIFICATE OF MERGER WAS FILED BY THE MISSOURI DIVISION OF CREDIT UNIONS.
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. IN 2019, MEMBERS APPROVED THE BOARD'S RECOMMENDATION TO MERGE WITH UNITED CONSUMERS CREDIT UNION EFFECTIVE AUGUST 31, 2019.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OFFICERS, 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 ON AN ANNUAL BASIS. SIGNED STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION USING A SALARY SURVEY. COMPENSATION FOR ALL OTHER EMPLOYEES IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE ANNUAL BUDGET TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. FINANCIAL STATEMENTS AND OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8TRANSFER OF NET ASSETS TO UNITED CONSUMERS CREDIT UNION PURSUANT TO MERGER -306,173.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 4
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 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt04295418
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt04295418
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0538819
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03637868
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt03637868
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0657550
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt03699
IRS990/TotalProgramServiceRevenueAmt0178727
IRS990/TotalReportableCompFromOrgAmt050580
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0187442
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0187442
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04295418
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04357 N CHOUTEAU TRAFFICWAY
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641171743
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.CROSSROADSCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02021-04-22 16:20:28Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRIS MCCREARY PRESIDENT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0UNITED CONSUMERS CREDIT UNION
ReturnHeader/BusinessOfficerGrp/PhoneNum08163256900

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