Civic Intelligence

Raytown Lee'S Summit Community Credit Union

EIN 44-0644887 • 501(c)14 • Raytown, MO

View Organization Page

Profile

The premiere credit union, through leadership, quality and service to the community. People helping people, building on momentum.

10021 E 66th TerraceRaytown, MO 64133-5217

www.rlsccu.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

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

501(c)14 • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

58th percentile

16.37x

Higher debt load relative to revenue than 58% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Net Margin

45th percentile

10%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

42nd percentile

$148,289

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2025

Asset Growth

54th percentile

2.0%

Faster asset growth than 54% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

35th percentile

6.8%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$59,621,628

Up $1,151,692 (+2.0%) from 2024

Liabilities

Up

$54,553,403

Up $816,225 (+1.5%) from 2024

Net Assets

Up

$5,068,225

Up $335,467 (+7.1%) from 2024

Operations
Liabilities / Revenue58th percentileNet Margin45th percentile

Revenue

Up

$3,331,820

Up $213,259 (+6.8%) from 2024

Expenses

Down

$2,996,353

Down $3,416 (-0.1%) from 2024

Net Income

Up

$335,467

Up $216,675 (+182%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$80M$60M$40M$20M$0Assets 2010: $54,558,066Liabilities 2010: $50,256,998Net Assets 2010: $4,301,0682010Assets 2011: $60,853,083Liabilities 2011: $56,495,304Net Assets 2011: $4,357,7792011Assets 2012: $59,985,143Liabilities 2012: $55,393,790Net Assets 2012: $4,591,3532012Assets 2013: $59,068,411Liabilities 2013: $54,310,832Net Assets 2013: $4,757,5792013Assets 2014: $60,445,860Liabilities 2014: $55,821,597Net Assets 2014: $4,624,2632014Assets 2015: $61,209,207Liabilities 2015: $56,544,191Net Assets 2015: $4,665,0162015Assets 2016: $59,182,657Liabilities 2016: $54,516,775Net Assets 2016: $4,665,8822016Assets 2017: $57,725,333Liabilities 2017: $53,499,960Net Assets 2017: $4,225,3732017Assets 2018: $57,519,299Liabilities 2018: $53,137,163Net Assets 2018: $4,382,1362018Assets 2019: $56,121,008Liabilities 2019: $51,515,228Net Assets 2019: $4,605,7802019Assets 2020: $63,554,032Liabilities 2020: $58,945,934Net Assets 2020: $4,608,0982020Assets 2021: $69,243,972Liabilities 2021: $64,730,546Net Assets 2021: $4,513,4262021Assets 2022: $69,943,104Liabilities 2022: $65,408,776Net Assets 2022: $4,534,3282022Assets 2023: $61,933,051Liabilities 2023: $57,319,085Net Assets 2023: $4,613,9662023Assets 2024: $58,469,936Liabilities 2024: $53,737,178Net Assets 2024: $4,732,7582024Assets 2025: $59,621,628Liabilities 2025: $54,553,403Net Assets 2025: $5,068,2252025

Highlighted filing

2025

Assets$59,621,628
Liabilities$54,553,403
Net Assets$5,068,225
Open 2025 Filing

Operations Trend

Revenue Growth35th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,378,3722010Expenses 2011: $3,269,2702011Expenses 2012: $3,186,8672012Revenue 2013: $3,021,623Expenses 2013: $2,855,397Net Income 2013: $166,2262013Revenue 2014: $2,783,122Expenses 2014: $2,916,438Net Income 2014: -$133,3162014Revenue 2015: $2,681,645Expenses 2015: $2,640,892Net Income 2015: $40,7532015Revenue 2016: $2,817,060Expenses 2016: $2,816,194Net Income 2016: $8662016Revenue 2017: $2,678,150Expenses 2017: $3,118,659Net Income 2017: -$440,5092017Revenue 2018: $2,845,112Expenses 2018: $2,688,349Net Income 2018: $156,7632018Revenue 2019: $2,743,301Expenses 2019: $2,519,657Net Income 2019: $223,6442019Revenue 2020: $2,449,666Expenses 2020: $2,447,348Net Income 2020: $2,3182020Revenue 2021: $2,368,215Expenses 2021: $2,462,887Net Income 2021: -$94,6722021Revenue 2022: $2,813,912Expenses 2022: $2,793,010Net Income 2022: $20,9022022Revenue 2023: $3,064,635Expenses 2023: $2,804,427Net Income 2023: $260,2082023Revenue 2024: $3,118,561Expenses 2024: $2,999,769Net Income 2024: $118,7922024Revenue 2025: $3,331,820Expenses 2025: $2,996,353Net Income 2025: $335,4672025

Highlighted filing

2025

Revenue$3,331,820
Expenses$2,996,353
Net Income$335,467
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$59,621,628
Liabilities
$54,553,403
Net assets
$5,068,225
Revenue
$3,331,820
Expenses
$2,996,353
Net income
$335,467
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$59.6$54.6$5.07$3.33$3.00$0.34
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$58.5$53.7$4.73$3.12$3.00$0.12
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$61.9$57.3$4.61$3.06$2.80$0.26
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.9$65.4$4.53$2.81$2.79$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.2$64.7$4.51$2.37$2.46$0.09
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.6$58.9$4.61$2.45$2.45$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$56.1$51.5$4.61$2.74$2.52$0.22
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.5$53.1$4.38$2.85$2.69$0.16
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.7$53.5$4.23$2.68$3.12$0.44
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.2$54.5$4.67$2.82$2.82$0.00
2015Detailed filing. Detailed filing data is available for this year.$61.2$56.5$4.67$2.68$2.64$0.04
2014Detailed filing. Detailed filing data is available for this year.$60.4$55.8$4.62$2.78$2.92$0.13
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.1$54.3$4.76$3.02$2.86$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.0$55.4$4.59$3.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$60.9$56.5$4.36$3.27
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$54.6$50.3$4.30$3.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 24, 2026
Return Version
2025v4.0
Gross Receipts
$3,331,820
Mission and Program Overview

Mission

The premier credit union, through leadership, quality and service to the community. People helping people, building on momentum.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$34,657,910$28,854,515▼ $5,803,395
Savings and Temporary Cash Investments$21,134,332$26,800,379▲ $5,666,047
Rtn Earn Endowment Incm Other Fnds$4,732,758$5,068,225▲ $335,467
Land, Buildings, and Equipment, Net$740,436$1,562,926▲ $822,490
Cash and Non-Interest-Bearing Accounts$954,409$1,013,458▲ $59,049
Investments Other Securities$24,144$464,842▲ $440,698
Prepaid Expenses and Deferred Charges$45,251$49,350▲ $4,099
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$58,469,936$59,621,628▲ $1,151,692
Other Assets Total$913,454$876,158▼ $37,296
Liabilities
Other Liabilities$53,530,980$54,302,148▲ $771,168
Accounts Payable and Accrued Expenses$206,198$251,255▲ $45,057
Total Liabilities$53,737,178$54,553,403▲ $816,225
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,732,758$5,068,225▲ $335,467
Total Liabilities and Net Assets / Fund Balance$58,469,936$59,621,628▲ $1,151,692

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$358,817$1,870,662$2,229,479
Buildings$959,611$591,663$1,551,274
Land$244,498-$244,498
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carrie WestPresidentFT$124,294$23,995$148,289

Board Members and Trustees

NameTitle
Mark WaskoChairman
Randall DowellVice Chairman
Harold Albin JrBoard Member
Michael McdonoughBoard Member
Terry LandersBoard Member
Linda SehrtSecretary
Kevin WilsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,407,645
Investment Income
$914,908
Other Revenue
$9,267
Change in Net Assets
$335,467
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,798,887
Salaries, Compensation, and Employee Benefits$1,194,966
Grants and Similar Amounts Paid$2,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$818,154
Office Expenses---$642,662
Information Technology---$235,010
Current Officers, Directors, Trustees, and Key Employees---$148,289
Other Employee Benefits---$111,185
Payroll Taxes---$98,392
Advertising---$88,146
Other Expenses---$85,752
Occupancy---$76,212
Depreciation Depletion---$62,685
Insurance---$62,257
Fees for Services Legal---$47,320
Fees for Services Accounting---$30,000
All Other Expenses---$23,291
Pension Plan Contributions---$18,946
Fees for Services Other---$17,290
Conferences and Meetings---$2,608
Grants to Domestic Individuals---$2,500
Total Functional Expenses$0$0$0$2,996,353
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Hannah West Branch Managerloan MaDaughter of Carrie West, PresidentCompensationNo$62,156
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$54,302,148
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
Yes
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 reviews the form 990 before filing.”

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

“Annually, all officers, directors, and key employees are required to review the conflict of interest policy, disclose any potential 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 and approves the president's compensation on an annual basis. All other employees' compensation is determined by the president and is included in the budget presented to the board for approval. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, 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 avaiable upon request.”

Filing and Contact Details

Filer

Filer Name
RAYTOWN-LEE'S SUMMIT COMMUNITY CREDIT
EIN
44-0644887
Phone
8163560791
Address
10021 E 66TH TERRACE, RAYTOWN, MO 64133-5217

Signing Officer

Name
Carrie West
Title
President
Phone
8167374902
Signed
2026-03-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carrie West
Formed
1958
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
21
Volunteers
9

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 3

“Completed a major remodel of raytown offices.”

Raw XML Appendix368 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0206198
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0251255
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE PREMIER CREDIT UNION, THROUGH LEADERSHIP, QUALITY AND SERVICE TO THE COMMUNITY. PEOPLE HELPING PEOPLE, BUILDING ON MOMENTUM.
IRS990/AdvertisingGrp/TotalAmt088146
IRS990/AllOtherExpensesGrp/TotalAmt023291
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CARRIE WEST
IRS990/BooksInCareOfDetail/PhoneNum08167374902
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010021 E 66TH TERRACE
IRS990/BooksInCareOfDetail/USAddress/CityNm0RAYTOWN
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641335217
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd01
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0954409
IRS990/CashNonInterestBearingGrp/EOYAmt01013458
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0148289
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt02608
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt02500
IRS990/CYInvestmentIncomeAmt0914908
IRS990/CYOtherExpensesAmt01798887
IRS990/CYOtherRevenueAmt09267
IRS990/CYProgramServiceRevenueAmt02407645
IRS990/CYRevenuesLessExpensesAmt0335467
IRS990/CYSalariesCompEmpBnftPaidAmt01194966
IRS990/CYTotalExpensesAmt02996353
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03331820
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt062685
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 7,071 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt030000
IRS990/FeesForServicesLegalGrp/TotalAmt047320
IRS990/FeesForServicesOtherGrp/TotalAmt017290
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt750.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
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/OtherCompensationAmt723995
IRS990/Form990PartVIISectionAGrp/PersonNm0MARK WASKO
IRS990/Form990PartVIISectionAGrp/PersonNm1RANDALL DOWELL
IRS990/Form990PartVIISectionAGrp/PersonNm2LINDA SEHRT
IRS990/Form990PartVIISectionAGrp/PersonNm3KEVIN WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm4TERRY LANDERS
IRS990/Form990PartVIISectionAGrp/PersonNm5HAROLD ALBIN JR
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL MCDONOUGH
IRS990/Form990PartVIISectionAGrp/PersonNm7CARRIE WEST
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7124294
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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/TitleTxt7PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0235010
IRS990/InsuranceGrp/TotalAmt062257
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0914908
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt024144
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0464842
IRS990/IRPDocumentCnt0963
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02462325
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0740436
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01562926
IRS990/LandBldgEquipCostOrOtherBssAmt04025251
IRS990/LegalDomicileStateCd0MO
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE PREMIER CREDIT UNION, THROUGH LEADERSHIP, QUALITY AND SERVICE TO THE COMMUNITY. PEOPLE HELPING PEOPLE, BUILDING ON MOMENTUM.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt04732758
IRS990/NetAssetsOrFundBalancesEOYAmt05068225
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt076212
IRS990/OfficeExpensesGrp/TotalAmt0642662
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0913454
IRS990/OtherAssetsTotalGrp/EOYAmt0876158
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0111185
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/TotalAmt0281306
IRS990/OtherExpensesGrp/TotalAmt1144348
IRS990/OtherExpensesGrp/TotalAmt285752
IRS990/OtherLiabilitiesGrp/BOYAmt053530980
IRS990/OtherLiabilitiesGrp/EOYAmt054302148
IRS990/OtherSalariesAndWagesGrp/TotalAmt0818154
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034657910
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt028854515
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt098392
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt018946
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt045251
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt049350
IRS990/PrincipalOfficerNm0CARRIE WEST
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/RelatedOrExemptFuncIncomeAmt01571061
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1829908
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01571061
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1834984
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21600
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05076
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt11600
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, LOANS OUTSTANDING TOTALED $29138025, INCLUDING PARTICIPATION LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $85,752 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt02500
IRS990/PYInvestmentIncomeAmt0679098
IRS990/PYOtherExpensesAmt01883570
IRS990/PYOtherRevenueAmt010008
IRS990/PYProgramServiceRevenueAmt02429455
IRS990/PYRevenuesLessExpensesAmt0118792
IRS990/PYSalariesCompEmpBnftPaidAmt01113699
IRS990/PYTotalExpensesAmt02999769
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03118561
IRS990/ReconcilationRevenueExpnssAmt0335467
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt09267
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09267
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04732758
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05068225
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021134332
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026800379
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0959611
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0591663
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01551274
IRS990ScheduleD/EquipmentGrp/BookValueAmt0358817
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01870662
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02229479
IRS990ScheduleD/LandGrp/BookValueAmt0244498
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0244498
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054302148
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01562926
IRS990ScheduleD/TotalLiabilityAmt054302148
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION ON AN ANNUAL BASIS.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1CARRIE WEST, PRESIDENT, IS A PARTICIPANT IN A 457(B) DEFERRED COMPENSATION PLAN. IN 2025, THE CREDIT UNION RECORDED $32,433 EXPENSE RELATED TO THIS PLAN AND THERE WERE NO DISTRIBUTIONS.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0HANNAH WEST BRANCH MANAGERLOAN MA
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0DAUGHTER OF CARRIE WEST, PRESIDENT
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt062156
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0COMPENSATION
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COMPLETED A MAJOR REMODEL OF RAYTOWN OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ANNUALLY, ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY POTENTIAL CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION ON AN ANNUAL BASIS. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS INCLUDED IN THE BUDGET PRESENTED TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, 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 AVAIABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART III, LINE 3
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd01
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt058469936
IRS990/TotalAssetsEOYAmt059621628
IRS990/TotalAssetsGrp/BOYAmt058469936
IRS990/TotalAssetsGrp/EOYAmt059621628
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/TotalAmt02996353
IRS990/TotalGrossUBIAmt06676
IRS990/TotalLiabilitiesBOYAmt053737178
IRS990/TotalLiabilitiesEOYAmt054553403
IRS990/TotalLiabilitiesGrp/BOYAmt053737178
IRS990/TotalLiabilitiesGrp/EOYAmt054553403
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04732758
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05068225
IRS990/TotalOtherCompensationAmt023995
IRS990/TotalProgramServiceRevenueAmt02407645
IRS990/TotalReportableCompFromOrgAmt0124294
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03325144
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03331820
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06676
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt058469936
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt059621628
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt010021 E 66TH TERRACE
IRS990/USAddress/CityNm0RAYTOWN
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641335217
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.RLSCCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CARRIE WEST
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08167374902
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RAYTOWN-LEE'S SUMMIT COMMUNITY CREDIT
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0UNION
ReturnHeader/Filer/BusinessNameControlTxt0RAYT
ReturnHeader/Filer/EIN0440644887
ReturnHeader/Filer/PhoneNum08163560791
ReturnHeader/Filer/USAddress/AddressLine1Txt010021 E 66TH TERRACE
ReturnHeader/Filer/USAddress/CityNm0RAYTOWN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641335217
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02026-03-24T07:14:39-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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