Civic Intelligence

Central Missouri Community Credit Union

EIN 44-0666515 • 501(c)14 • Warrensburg, MO

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.

620 N MaguireWarrensburg, MO 64093-1439

www.cmccreditunion.org

Siviq Scores

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

Liabilities / Assets

90th percentile

0.93x

Higher debt load relative to assets than 90% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

59th percentile

15.91x

Higher debt load relative to revenue than 59% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

54th percentile

13%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

6th percentile

$130,240

Higher top officer pay than 6% of similar nonprofits.

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

62nd percentile

4.0%

Faster asset growth than 62% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

19%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$136,707,294

Up $5,281,526 (+4.0%) from 2023

Liabilities

Up

$126,534,633

Up $4,246,998 (+3.5%) from 2023

Net Assets

Up

$10,172,661

Up $1,034,528 (+11%) from 2023

Operations
Liabilities / Revenue59th percentileNet Margin54th percentile

Revenue

Up

$7,951,549

Up $1,294,047 (+19%) from 2023

Expenses

Up

$6,917,021

Up $270,917 (+4.1%) from 2023

Net Income

Up

$1,034,528

Up $1,023,130 (+8976%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth62nd percentile

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

$150M$100M$50M$0Assets 2008: $55,269,180Liabilities 2008: $50,745,298Net Assets 2008: $4,523,8822008Assets 2010: $62,283,052Liabilities 2010: $56,557,144Net Assets 2010: $5,725,9082010Assets 2011: $74,266,763Liabilities 2011: $67,994,949Net Assets 2011: $6,271,8142011Assets 2012: $87,474,353Liabilities 2012: $80,513,227Net Assets 2012: $6,961,1262012Assets 2013: $98,863,361Liabilities 2013: $91,706,736Net Assets 2013: $7,156,6252013Assets 2014: $96,163,146Liabilities 2014: $89,007,396Net Assets 2014: $7,155,7502014Assets 2015: $96,057,448Liabilities 2015: $88,344,346Net Assets 2015: $7,713,1022015Assets 2016: $99,723,565Liabilities 2016: $91,671,998Net Assets 2016: $8,051,5672016Assets 2017: $100,591,295Liabilities 2017: $92,364,738Net Assets 2017: $8,226,5572017Assets 2018: $103,480,582Liabilities 2018: $95,115,559Net Assets 2018: $8,365,0232018Assets 2019: $106,263,001Liabilities 2019: $97,708,370Net Assets 2019: $8,554,6312019Assets 2020: $119,609,880Liabilities 2020: $110,875,871Net Assets 2020: $8,734,0092020Assets 2021: $133,736,864Liabilities 2021: $124,615,222Net Assets 2021: $9,121,6422021Assets 2022: $139,910,785Liabilities 2022: $130,573,818Net Assets 2022: $9,336,9672022Assets 2023: $131,425,768Liabilities 2023: $122,287,635Net Assets 2023: $9,138,1332023Assets 2024: $136,707,294Liabilities 2024: $126,534,633Net Assets 2024: $10,172,6612024

Highlighted filing

2024

Assets$136,707,294
Liabilities$126,534,633
Net Assets$10,172,661
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2008: $4,795,9242008Expenses 2010: $3,942,6652010Expenses 2011: $4,053,5422011Expenses 2012: $4,254,9852012Revenue 2013: $5,203,066Expenses 2013: $5,007,567Net Income 2013: $195,4992013Revenue 2014: $5,306,576Expenses 2014: $5,307,451Net Income 2014: -$8752014Revenue 2015: $5,521,338Expenses 2015: $4,963,986Net Income 2015: $557,3522015Revenue 2016: $5,586,580Expenses 2016: $5,248,115Net Income 2016: $338,4652016Revenue 2017: $5,899,836Expenses 2017: $5,724,846Net Income 2017: $174,9902017Revenue 2018: $6,230,782Expenses 2018: $6,092,316Net Income 2018: $138,4662018Revenue 2019: $6,615,377Expenses 2019: $6,425,769Net Income 2019: $189,6082019Revenue 2020: $6,546,465Expenses 2020: $6,367,087Net Income 2020: $179,3782020Revenue 2021: $6,682,804Expenses 2021: $6,295,171Net Income 2021: $387,6332021Revenue 2022: $6,819,606Expenses 2022: $6,604,281Net Income 2022: $215,3252022Revenue 2023: $6,657,502Expenses 2023: $6,646,104Net Income 2023: $11,3982023Revenue 2024: $7,951,549Expenses 2024: $6,917,021Net Income 2024: $1,034,5282024

Highlighted filing

2024

Revenue$7,951,549
Expenses$6,917,021
Net Income$1,034,528
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$136,707,294
Liabilities
$126,534,633
Net assets
$10,172,661
Revenue
$7,951,549
Expenses
$6,917,021
Net income
$1,034,528
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$137$127$10.2$7.95$6.92$1.03
2023Detailed filing. Detailed filing data is available for this year.$131$122$9.14$6.66$6.65$0.01
2022Detailed filing. Detailed filing data is available for this year.$140$131$9.34$6.82$6.60$0.22
2021Detailed filing. Detailed filing data is available for this year.$134$125$9.12$6.68$6.30$0.39
2020Detailed filing. Detailed filing data is available for this year.$120$111$8.73$6.55$6.37$0.18
2019Detailed filing. Detailed filing data is available for this year.$106$97.7$8.55$6.62$6.43$0.19
2018Detailed filing. Detailed filing data is available for this year.$103$95.1$8.37$6.23$6.09$0.14
2017Detailed filing. Detailed filing data is available for this year.$101$92.4$8.23$5.90$5.72$0.17
2016Detailed filing. Detailed filing data is available for this year.$99.7$91.7$8.05$5.59$5.25$0.34
2015Detailed filing. Detailed filing data is available for this year.$96.1$88.3$7.71$5.52$4.96$0.56
2014Detailed filing. Detailed filing data is available for this year.$96.2$89.0$7.16$5.31$5.31$0.00
2013Detailed filing. Detailed filing data is available for this year.$98.9$91.7$7.16$5.20$5.01$0.20
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.5$80.5$6.96$4.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.3$68.0$6.27$4.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.3$56.6$5.73$3.94
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.3$50.7$4.52$4.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 22, 2025
Return Version
2024v5.1
Gross Receipts
$8,048,664
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$86,948,560$86,288,887▼ $659,673
Investments Other Securities$29,035,068$23,470,767▼ $5,564,301
Savings and Temporary Cash Investments$1,992,670$13,273,563▲ $11,280,893
Rtn Earn Endowment Incm Other Fnds$9,138,133$10,172,661▲ $1,034,528
Land, Buildings, and Equipment, Net$8,281,824$8,117,390▼ $164,434
Receivables From Officers Etc$2,302,094$2,338,927▲ $36,833
Cash and Non-Interest-Bearing Accounts$2,604,829$1,984,372▼ $620,457
Prepaid Expenses and Deferred Charges$201,485$157,299▼ $44,186
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$131,425,768$136,707,294▲ $5,281,526
Other Assets Total$59,238$1,076,089▲ $1,016,851
Liabilities
Other Liabilities$120,767,085$126,719,708▲ $5,952,623
Mortgage Notes Payable Secured by Investment Property$1,909,668--
Accounts Payable and Accrued Expenses$-389,118$-185,075▲ $204,043
Total Liabilities$122,287,635$126,534,633▲ $4,246,998
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,138,133$10,172,661▲ $1,034,528
Total Liabilities and Net Assets / Fund Balance$131,425,768$136,707,294▲ $5,281,526

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,935,893$1,202,820$7,138,713
Equipment$89,537$2,237,862$2,327,399
Land$2,091,960-$2,091,960
Other Securities$23,470,767--
Compensation and Service Providers
Top Officer Pay6th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Randall BettisPresident/CEOFT$123,113$7,127$130,240
Marva CarneyChief Financial OfficerFT$99,693$18,264$117,957
Penny DadyVice PresidentFT$95,572$20,862$116,434
Priscilla ShelledyChief Operating OfficerFT$67,990$17,026$85,016

Board Members and Trustees

NameTitle
Aaron BrownChairman
Richard YallalyVice Chairman
Amy WilsonBoard Member
Melissa FreyBoard Member
Randy FrerkingBoard Member
Chris MccrearySecretary
Michelle MuinTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,384,912
Investment Income
$545,441
Other Revenue
$21,196
Change in Net Assets
$1,034,528
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,240,518
Salaries, Compensation, and Employee Benefits$2,676,503
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,613,747
Fees for Services Other---$1,046,102
Information Technology---$700,656
Office Expenses---$581,258
Current Officers, Directors, Trustees, and Key Employees---$449,647
Other Employee Benefits---$307,243
Payroll Taxes---$281,549
Occupancy---$229,102
Depreciation Depletion---$176,612
Other Expenses---$101,958
Advertising---$64,377
Insurance---$59,610
Fees for Services Accounting---$57,395
All Other Expenses---$30,995
Pension Plan Contributions---$24,317
Conferences and Meetings---$14,100
Interest---$8,694
Fees for Services Legal---$8,047
Travel---$6,451
Total Functional Expenses$0$0$0$6,917,021
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$2,302,094$2,338,927▲ $36,833
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$126,719,708
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
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 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 chief financial officer reviews the form 990 before filing.”

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

“On an annual basis, all officers, directors, committee members, and 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 15A

“The board of directors reviews the president/ceo's performance and determines compensation based on a signed employment contract. All other management compensation is determined by the president/ceo and is presented as part of the budget package to the board for approval. The board's deliberations and decisions are documented in the 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
Central Missouri Community Credit Union
EIN
44-0666515
Phone
6607473311
Address
620 N MAGUIRE, WARRENSBURG, MO 64093-1439

Signing Officer

Name
Marva Carney
Title
Chief Financial Officer
Phone
6607473311
Signed
2025-04-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Randall Bettis
Formed
1961
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
57
Volunteers
10

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 IX, Line 11G

“Atm processing 775,181. Visa check card expenses 118,523. Other professional & outside services 152,398.”

Raw XML AppendixShowing 400 of 410 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
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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.
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF OPERATING OFFICER
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IRS990/InterestGrp/TotalAmt08694
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0558462
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0558462
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt029035068
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt023470767
IRS990/IRPDocumentCnt01636
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03440682
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08281824
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08117390
IRS990/LandBldgEquipCostOrOtherBssAmt011558072
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt097115
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/BOYAmt01909668
IRS990/NetAssetsOrFundBalancesBOYAmt09138133
IRS990/NetAssetsOrFundBalancesEOYAmt010172661
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-13021
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-13021
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0229102
IRS990/OfficeExpensesGrp/TotalAmt0581258
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt059238
IRS990/OtherAssetsTotalGrp/EOYAmt01076089
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0307243
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DUES & SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0770510
IRS990/OtherExpensesGrp/TotalAmt1267802
IRS990/OtherExpensesGrp/TotalAmt2116849
IRS990/OtherExpensesGrp/TotalAmt3101958
IRS990/OtherLiabilitiesGrp/BOYAmt0120767085
IRS990/OtherLiabilitiesGrp/EOYAmt0126719708
IRS990/OtherSalariesAndWagesGrp/TotalAmt01613747
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt086948560
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt086288887
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0281549
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt024317
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0201485
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0157299
IRS990/PrincipalOfficerNm0RANDALL BETTIS
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY & OTHER INSUR
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04823146
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12507936
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04823146
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12547428
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt214338
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt039492
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt114338
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 6,104 LOANS OUTSTANDING TOTALING $86,615,764.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $306,888 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0-255051
IRS990/PYOtherExpensesAmt04104170
IRS990/PYOtherRevenueAmt021988
IRS990/PYProgramServiceRevenueAmt06890565
IRS990/PYRevenuesLessExpensesAmt011398
IRS990/PYSalariesCompEmpBnftPaidAmt02541934
IRS990/PYTotalExpensesAmt06646104
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06657502
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02302094
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02338927
IRS990/ReconcilationRevenueExpnssAmt01034528
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt021196
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt021196
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09138133
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010172661
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01992670
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013273563
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05935893
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01202820
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07138713
IRS990ScheduleD/EquipmentGrp/BookValueAmt089537
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02237862
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02327399
IRS990ScheduleD/LandGrp/BookValueAmt02091960
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02091960
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0126719708
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES & DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt023470767
IRS990ScheduleD/OtherSecuritiesGrp/Desc0HTM - FEDERAL AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08117390
IRS990ScheduleD/TotalBookValueSecuritiesAmt023470767
IRS990ScheduleD/TotalLiabilityAmt0126719708
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND APPROVES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MAINTAINS A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH CAROL WHITE, PRESIDENT/CEO. SEE SCHEDULE L FOR DETAILS INCLUDING THE BALANCE OUTSTANDING AT YEAR-END.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1PART I, LINE 4B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02338927
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0COLLATERAL ASSIGNMENT SPLIT-DOLLAR AGREEMENT WITH LIMITED RECOURSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02053759
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0CAROL WHITE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT/CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt02338927
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CHIEF FINANCIAL OFFICER REVIEWS THE FORM 990 BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ON AN ANNUAL BASIS, ALL OFFICERS, DIRECTORS, COMMITTEE MEMBERS, AND 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT/CEO AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ATM PROCESSING 775,181. VISA CHECK CARD EXPENSES 118,523. OTHER PROFESSIONAL & OUTSIDE SERVICES 152,398.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0131425768
IRS990/TotalAssetsEOYAmt0136707294
IRS990/TotalAssetsGrp/BOYAmt0131425768
IRS990/TotalAssetsGrp/EOYAmt0136707294
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt057
IRS990/TotalFunctionalExpensesGrp/TotalAmt06917021
IRS990/TotalGrossUBIAmt053830
IRS990/TotalLiabilitiesBOYAmt0122287635
IRS990/TotalLiabilitiesEOYAmt0126534633
IRS990/TotalLiabilitiesGrp/BOYAmt0122287635
IRS990/TotalLiabilitiesGrp/EOYAmt0126534633
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09138133
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010172661
IRS990/TotalOtherCompensationAmt063279
IRS990/TotalProgramServiceRevenueAmt07384912
IRS990/TotalReportableCompFromOrgAmt0386368
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt07897719
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt07951549
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt053830
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0131425768
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0136707294
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06451
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0620 N MAGUIRE
IRS990/USAddress/CityNm0WARRENSBURG
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0640931439
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CMCCREDITUNION.ORG
IRS990/WhistleblowerPolicyInd01
IRS990/WrittenPolicyOrProcedureInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARVA CARNEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum06607473311
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CENTRAL MISSOURI COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CENT
ReturnHeader/Filer/EIN0440666515
ReturnHeader/Filer/PhoneNum06607473311
ReturnHeader/Filer/USAddress/AddressLine1Txt0620 N MAGUIRE
ReturnHeader/Filer/USAddress/CityNm0WARRENSBURG
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0640931439
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE

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