Civic Intelligence

Csd Credit Union

EIN 44-6013258 • 501(c)14 • Kansas City, MO

View Organization Page

Profile

Csd credit union is a member owned not-for-profit cooperative established to provide convenient and competitive financial services. Its goal is to encourage financial independence through personalized services and sound financial counseling.

8510 E Bannister RoadKansas City, MO 64134-1841

www.csdcu.org

Siviq Scores

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

Liabilities / Assets

58th percentile

0.89x

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

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

Liabilities / Revenue

70th percentile

17.30x

Higher debt load relative to revenue than 70% of similar nonprofits.

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

Net Margin

57th percentile

14%

Higher net margin than 57% of similar nonprofits.

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

Top Officer Pay

66th percentile

$179,829

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 4.0% of source-year revenue.

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

Asset Growth

95th percentile

13%

Faster asset growth than 95% of similar nonprofits.

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

Revenue Growth

32nd percentile

5.7%

Faster revenue growth than 32% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$77,024,523

Up $2,526,720 (+3.4%) from 2023

Liabilities

Up

$67,681,953

Up $1,730,375 (+2.6%) from 2023

Net Assets

Up

$9,342,570

Up $796,345 (+9.3%) from 2023

Operations
Liabilities / Revenue70th percentileNet Margin57th percentile

Revenue

Up

$4,232,822

Up $797,110 (+23%) from 2023

Expenses

Up

$3,430,411

Up $827,133 (+32%) from 2023

Net Income

Down

$802,411

Down $30,023 (-3.6%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$80M$60M$40M$20M$0Assets 2010: $30,855,840Liabilities 2010: $26,194,981Net Assets 2010: $4,660,8592010Assets 2011: $32,090,991Liabilities 2011: $27,238,444Net Assets 2011: $4,852,5472011Assets 2012: $33,163,882Liabilities 2012: $28,232,139Net Assets 2012: $4,931,7432012Assets 2013: $34,783,004Liabilities 2013: $29,838,195Net Assets 2013: $4,944,8092013Assets 2014: $35,360,589Liabilities 2014: $30,527,376Net Assets 2014: $4,833,2132014Assets 2015: $38,571,051Liabilities 2015: $33,579,510Net Assets 2015: $4,991,5412015Assets 2016: $41,106,747Liabilities 2016: $36,017,295Net Assets 2016: $5,089,4522016Assets 2017: $39,993,895Liabilities 2017: $34,595,424Net Assets 2017: $5,398,4712017Assets 2018: $39,668,468Liabilities 2018: $34,153,617Net Assets 2018: $5,514,8512018Assets 2019: $40,888,332Liabilities 2019: $35,300,088Net Assets 2019: $5,588,2442019Assets 2020: $53,372,392Liabilities 2020: $47,309,107Net Assets 2020: $6,063,2852020Assets 2021: $59,738,527Liabilities 2021: $53,380,049Net Assets 2021: $6,358,4782021Assets 2022: $71,766,536Liabilities 2022: $64,031,440Net Assets 2022: $7,735,0962022Assets 2023: $74,497,803Liabilities 2023: $65,951,578Net Assets 2023: $8,546,2252023Assets 2024: $77,024,523Liabilities 2024: $67,681,953Net Assets 2024: $9,342,5702024

Highlighted filing

2024

Assets$77,024,523
Liabilities$67,681,953
Net Assets$9,342,570
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,492,8502010Expenses 2011: $1,232,2632011Expenses 2012: $1,493,7122012Revenue 2013: $1,313,503Expenses 2013: $1,300,437Net Income 2013: $13,0662013Revenue 2014: $1,412,271Expenses 2014: $1,523,867Net Income 2014: -$111,5962014Revenue 2015: $1,352,655Expenses 2015: $1,194,327Net Income 2015: $158,3282015Revenue 2016: $1,435,066Expenses 2016: $1,311,142Net Income 2016: $123,9242016Revenue 2017: $1,565,126Expenses 2017: $1,256,107Net Income 2017: $309,0192017Revenue 2018: $1,629,515Expenses 2018: $1,388,701Net Income 2018: $240,8142018Revenue 2019: $1,831,030Expenses 2019: $1,758,424Net Income 2019: $72,6062019Revenue 2020: $1,907,473Expenses 2020: $1,608,541Net Income 2020: $298,9322020Revenue 2021: $2,065,109Expenses 2021: $1,693,909Net Income 2021: $371,2002021Revenue 2022: $2,351,686Expenses 2022: $2,011,520Net Income 2022: $340,1662022Revenue 2023: $3,435,712Expenses 2023: $2,603,278Net Income 2023: $832,4342023Revenue 2024: $4,232,822Expenses 2024: $3,430,411Net Income 2024: $802,4112024

Highlighted filing

2024

Revenue$4,232,822
Expenses$3,430,411
Net Income$802,411
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$77,024,523
Liabilities
$67,681,953
Net assets
$9,342,570
Revenue
$4,232,822
Expenses
$3,430,411
Net income
$802,411
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$77.0$67.7$9.34$4.23$3.43$0.80
2023Detailed filing. Detailed filing data is available for this year.$74.5$66.0$8.55$3.44$2.60$0.83
2022Detailed filing. Detailed filing data is available for this year.$71.8$64.0$7.74$2.35$2.01$0.34
2021Detailed filing. Detailed filing data is available for this year.$59.7$53.4$6.36$2.07$1.69$0.37
2020Detailed filing. Detailed filing data is available for this year.$53.4$47.3$6.06$1.91$1.61$0.30
2019Detailed filing. Detailed filing data is available for this year.$40.9$35.3$5.59$1.83$1.76$0.07
2018Detailed filing. Detailed filing data is available for this year.$39.7$34.2$5.51$1.63$1.39$0.24
2017Detailed filing. Detailed filing data is available for this year.$40.0$34.6$5.40$1.57$1.26$0.31
2016Detailed filing. Detailed filing data is available for this year.$41.1$36.0$5.09$1.44$1.31$0.12
2015Detailed filing. Detailed filing data is available for this year.$38.6$33.6$4.99$1.35$1.19$0.16
2014Detailed filing. Detailed filing data is available for this year.$35.4$30.5$4.83$1.41$1.52$0.11
2013Detailed filing. Detailed filing data is available for this year.$34.8$29.8$4.94$1.31$1.30$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.2$28.2$4.93$1.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.1$27.2$4.85$1.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.9$26.2$4.66$1.49
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 31, 2025
Return Version
2024v5.1
Gross Receipts
$4,232,822
Mission and Program Overview

Mission

Csd credit union is a member owned not-for-profit cooperative established to provide convenient and competitive financial services. Its goal is to encourage financial independence through personalized services and sound financial counseling.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$37,006,446$37,908,312▲ $901,866
Savings and Temporary Cash Investments$29,779,532$30,929,278▲ $1,149,746
Rtn Earn Endowment Incm Other Fnds$8,546,225$9,342,570▲ $796,345
Land, Buildings, and Equipment, Net$1,108,356$1,188,497▲ $80,141
Cash and Non-Interest-Bearing Accounts$618,116$851,020▲ $232,904
Prepaid Expenses and Deferred Charges$587,405$575,897▼ $11,508
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$74,497,803$77,024,523▲ $2,526,720
Other Assets Total$5,397,948$5,571,519▲ $173,571
Liabilities
Other Liabilities$65,666,573$67,278,818▲ $1,612,245
Accounts Payable and Accrued Expenses$285,005$403,135▲ $118,130
Total Liabilities$65,951,578$67,681,953▲ $1,730,375
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,546,225$9,342,570▲ $796,345
Total Liabilities and Net Assets / Fund Balance$74,497,803$77,024,523▲ $2,526,720

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$638,757$699,735$1,338,492
Equipment$226,229$137,793$364,022
Land$323,511-$323,511
Other Assets Org$2,391,220--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Edward WattsPresidentFT$132,054$24,748$156,802

Board Members and Trustees

NameTitle
Freda MarkleyChairperson
Kenneth MccraryVice Chairperson
Darci WillisBoard Member
Linda WhitfordSecretary
Samuel SchisslerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,814,271
Investment Income
$1,405,558
Other Revenue
$12,993
Change in Net Assets
$802,411
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,199,557
Salaries, Compensation, and Employee Benefits$1,209,654
Grants and Similar Amounts Paid$21,200
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$729,492
Office Expenses---$366,813
Information Technology---$180,954
Current Officers, Directors, Trustees, and Key Employees---$156,802
Other Employee Benefits---$151,164
Depreciation Depletion---$115,750
Pension Plan Contributions---$107,287
Other Expenses---$89,202
Occupancy---$87,684
Payroll Taxes---$64,909
Advertising---$45,568
All Other Expenses---$44,053
Insurance---$41,927
Grants to Domestic Orgs---$21,200
Fees for Services Other---$20,991
Fees for Services Accounting---$18,963
Conferences and Meetings---$8,039
Travel---$6,641
Fees for Services Legal---$4,330
Total Functional Expenses$0$0$0$3,430,411
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
North Kansas City Educational FoundationKanas City, MO-Scholarships and Fundraising$9,150
Hickman Mills Educational FoundationKanas City, MO-Scholarships, Equipment and Fundraising$7,700
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$67,278,818
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
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 form 990 is reviewed by executive management.”

Form 990, Part VI, Section B, Line 15

“The board of directors reviews and approves compensation, including the president's compensation. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted monthly 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
Csd Credit Union
EIN
44-6013258
Phone
8167634020
Address
8510 E BANNISTER ROAD, KANSAS CITY, MO 64134-1841

Signing Officer

Name
Edward Watts
Title
President
Phone
8167634020
Signed
2025-05-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Edward Watts
Formed
1959
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
22
Volunteers
0

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:

“Cecl transition adjustment settlement of 2023 billing dispute -6,066.”

Raw XML Appendix387 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/BOYAmt0285005
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0403135
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CSD CREDIT UNION IS A MEMBER OWNED NOT-FOR-PROFIT COOPERATIVE ESTABLISHED TO PROVIDE CONVENIENT AND COMPETITIVE FINANCIAL SERVICES. ITS GOAL IS TO ENCOURAGE FINANCIAL INDEPENDENCE THROUGH PERSONALIZED SERVICES AND SOUND FINANCIAL COUNSELING.
IRS990/AdvertisingGrp/TotalAmt045568
IRS990/AllOtherExpensesGrp/TotalAmt044053
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0EDWARD WATTS
IRS990/BooksInCareOfDetail/PhoneNum08167634020
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt08510 E BANNISTER ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0KANSAS CITY
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0641341841
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0618116
IRS990/CashNonInterestBearingGrp/EOYAmt0851020
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0156802
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt08039
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt021200
IRS990/CYInvestmentIncomeAmt01405558
IRS990/CYOtherExpensesAmt02199557
IRS990/CYOtherRevenueAmt012993
IRS990/CYProgramServiceRevenueAmt02814271
IRS990/CYRevenuesLessExpensesAmt0802411
IRS990/CYSalariesCompEmpBnftPaidAmt01209654
IRS990/CYTotalExpensesAmt03430411
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04232822
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0115750
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 5,775 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt022
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt018963
IRS990/FeesForServicesLegalGrp/TotalAmt04330
IRS990/FeesForServicesOtherGrp/TotalAmt020991
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt522507
IRS990/Form990PartVIISectionAGrp/PersonNm0FREDA MARKLEY
IRS990/Form990PartVIISectionAGrp/PersonNm1KENNETH MCCRARY
IRS990/Form990PartVIISectionAGrp/PersonNm2SAMUEL SCHISSLER
IRS990/Form990PartVIISectionAGrp/PersonNm3LINDA WHITFORD
IRS990/Form990PartVIISectionAGrp/PersonNm4DARCI WILLIS
IRS990/Form990PartVIISectionAGrp/PersonNm5EDWARD WATTS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt021200
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt04232822
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0180954
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IRS990/IRPDocumentCnt01682
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OfficeExpensesGrp/TotalAmt0366813
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherAssetsTotalGrp/EOYAmt05571519
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0151164
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
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IRS990/OtherExpensesGrp/TotalAmt1108164
IRS990/OtherExpensesGrp/TotalAmt289202
IRS990/OtherLiabilitiesGrp/BOYAmt065666573
IRS990/OtherLiabilitiesGrp/EOYAmt067278818
IRS990/OtherSalariesAndWagesGrp/TotalAmt0729492
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt037006446
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt037908312
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt064909
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0107287
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0587405
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0575897
IRS990/PrincipalOfficerNm0EDWARD WATTS
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
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1435120
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02371338
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1438416
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24517
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt03296
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt14517
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 2,448 LOANS OUTSTANDING TOTALING $38,029,882.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,060,478 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt09600
IRS990/PYInvestmentIncomeAmt0955463
IRS990/PYOtherExpensesAmt01543279
IRS990/PYOtherRevenueAmt013207
IRS990/PYProgramServiceRevenueAmt02467042
IRS990/PYRevenuesLessExpensesAmt0832434
IRS990/PYSalariesCompEmpBnftPaidAmt01050399
IRS990/PYTotalExpensesAmt02603278
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03435712
IRS990/ReconcilationRevenueExpnssAmt0802411
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt012993
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt012993
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08546225
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09342570
IRS990/SavingsAndTempCashInvstGrp/BOYAmt029779532
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030929278
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0638757
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0699735
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01338492
IRS990ScheduleD/EquipmentGrp/BookValueAmt0226229
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0137793
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0364022
IRS990ScheduleD/LandGrp/BookValueAmt0323511
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0323511
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02382805
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1640166
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2130661
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt326667
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt42391220
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0457(F) PLAN ASSETS / INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1NCUSIF DEPOSIT
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2ACCRUED INCOME
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3VISA CLEARING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4CSV LIFE INSURANCE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt067278818
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01188497
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05571519
IRS990ScheduleD/TotalLiabilityAmt067278818
IRS990ScheduleI/GrantRecordsMaintainedInd00
IRS990ScheduleI/RecipientTable/CashGrantAmt07700
IRS990ScheduleI/RecipientTable/CashGrantAmt19150
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt10
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0SCHOLARSHIPS, EQUIPMENT AND FUNDRAISING
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1SCHOLARSHIPS AND FUNDRAISING
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0HICKMAN MILLS EDUCATIONAL FOUNDATION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1NORTH KANSAS CITY EDUCATIONAL FOUNDATION
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt05401 E 103RD STREET
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt12000 NE 46TH STREET
IRS990ScheduleI/RecipientTable/USAddress/CityNm0KANAS CITY
IRS990ScheduleI/RecipientTable/USAddress/CityNm1KANAS CITY
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MO
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd1MO
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd064137
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd164116
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION REQUIRES RECIPIENTS TO INFORM THEM OF HOW THE MONEY WILL BE USED PRIOR TO DISBURSEMENT. THEY ALSO RECEIVE REPORTS FROM THE GRANTEE AFTER THE FUNDS HAVE BEEN USED.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleI/Total501c3OrgCnt05
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0132054
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount02241
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013429
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt09078
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0EDWARD WATTS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0156802
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
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 FORM 990 IS REVIEWED BY EXECUTIVE MANAGEMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS REVIEWS AND APPROVES COMPENSATION, INCLUDING THE PRESIDENT'S COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED MONTHLY 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/ExplanationTxt6CECL TRANSITION ADJUSTMENT SETTLEMENT OF 2023 BILLING DISPUTE -6,066.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt074497803
IRS990/TotalAssetsEOYAmt077024523
IRS990/TotalAssetsGrp/BOYAmt074497803
IRS990/TotalAssetsGrp/EOYAmt077024523
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/TotalAmt03430411
IRS990/TotalGrossUBIAmt07813
IRS990/TotalLiabilitiesBOYAmt065951578
IRS990/TotalLiabilitiesEOYAmt067681953
IRS990/TotalLiabilitiesGrp/BOYAmt065951578
IRS990/TotalLiabilitiesGrp/EOYAmt067681953
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08546225
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09342570
IRS990/TotalOtherCompensationAmt022507
IRS990/TotalProgramServiceRevenueAmt02814271
IRS990/TotalReportableCompFromOrgAmt0134295
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04225009
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04232822
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt07813
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt074497803
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt077024523
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06641
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt08510 E BANNISTER ROAD
IRS990/USAddress/CityNm0KANSAS CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0641341841
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.CSDCU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0EDWARD WATTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08167634020
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CSD CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CSDC
ReturnHeader/Filer/EIN0446013258
ReturnHeader/Filer/PhoneNum08167634020
ReturnHeader/Filer/USAddress/AddressLine1Txt08510 E BANNISTER ROAD
ReturnHeader/Filer/USAddress/CityNm0KANSAS CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0641341841
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/PreparationDt02025-05-23
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-05-31T07:25:29-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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