Civic Intelligence

Csd Credit Union

990 • Fiscal year 2025 • EIN 44-6013258

Jan 01, 2025 to Dec 31, 2025 • Filed on Apr 16, 2026

8510 E Bannister RoadKansas City, MO 64134-1841

(816) 763-4020

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

93rd percentile

0.89x

Higher debt load relative to assets than 93% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

17.30x

Higher debt load relative to revenue than 98% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Net Margin

64th percentile

14%

Higher net margin than 64% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Source year 2025

Top Officer Pay

25th percentile

$179,829

Higher top officer pay than 25% of similar nonprofits.

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

2025 filings • $50M-$100M nonprofits • Source year 2025

Asset Growth

78th percentile

13%

Faster asset growth than 78% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Revenue Growth

42nd percentile

5.7%

Faster revenue growth than 42% of similar nonprofits.

2025 filings • $50M-$100M nonprofits • Annualized from 2024 to 2025

Assets

Up

$87,357,123

Up $10,332,600 (+13%) from 2024

Net Assets

Up

$9,947,021

Up $604,451 (+6.5%) from 2024

Liabilities

Up

$77,410,102

Up $9,728,149 (+14%) from 2024

Revenue

Up

$4,473,525

Up $240,703 (+5.7%) from 2024

Expenses

Up

$3,869,074

Up $438,663 (+13%) from 2024

Net Income

Down

$604,451

Down $197,960 (-25%) from 2024

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$100M$50M$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: $9,342,5702024Assets 2025: $87,357,123Liabilities 2025: $77,410,102Net Assets 2025: $9,947,0212025

Highlighted filing

2025

Assets$87,357,123
Liabilities$77,410,102
Net Assets$9,947,021

Operations Trend

Revenue, expenses, and net income across loaded years, with this 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: $802,4112024Revenue 2025: $4,473,525Expenses 2025: $3,869,074Net Income 2025: $604,4512025

Highlighted filing

2025

Revenue$4,473,525
Expenses$3,869,074
Net Income$604,451
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 16, 2026
Return Version
2025v4.1
Gross Receipts
$4,522,403
Mission and Program Overview

Mission

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

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
Savings and Temporary Cash Investments$30,929,278$40,658,458▲ $9,729,180
Other Notes and Loans Receivable, Net$37,908,312$37,891,604▼ $16,708
Rtn Earn Endowment Incm Other Fnds$9,342,570$9,947,021▲ $604,451
Land, Buildings, and Equipment, Net$1,188,497$1,102,131▼ $86,366
Cash and Non-Interest-Bearing Accounts$851,020$1,035,490▲ $184,470
Prepaid Expenses and Deferred Charges$575,897$567,389▼ $8,508
Investments Other Securities-$291,800-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$77,024,523$87,357,123▲ $10,332,600
Other Assets Total$5,571,519$5,810,251▲ $238,732
Liabilities
Other Liabilities$67,278,818$76,928,742▲ $9,649,924
Accounts Payable and Accrued Expenses$403,135$481,360▲ $78,225
Total Liabilities$67,681,953$77,410,102▲ $9,728,149
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,342,570$9,947,021▲ $604,451
Total Liabilities and Net Assets / Fund Balance$77,024,523$87,357,123▲ $10,332,600

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$584,987$745,124$1,330,111
Equipment$193,633$149,613$343,246
Land$323,511-$323,511
Other Assets Org$2,508,411--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Edward WattsPresidentFT$151,650$28,179$179,829

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
$2,850,597
Investment Income
$1,611,757
Other Revenue
$11,171
Change in Net Assets
$604,451
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,451,315
Salaries, Compensation, and Employee Benefits$1,415,259
Grants and Similar Amounts Paid$2,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$850,019
Office Expenses---$370,088
Current Officers, Directors, Trustees, and Key Employees---$179,829
Information Technology---$166,752
Other Employee Benefits---$163,099
Depreciation Depletion---$148,253
Pension Plan Contributions---$141,893
Other Expenses---$102,918
Occupancy---$88,066
Payroll Taxes---$80,419
Fees for Services Other---$49,113
Advertising---$47,809
Insurance---$29,366
Conferences and Meetings---$15,007
Fees for Services Accounting---$9,800
Travel---$6,227
Grants to Domestic Orgs---$2,500
All Other Expenses---$1,940
Total Functional Expenses$0$0$0$3,869,074
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$76,928,742
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
2026-04-16
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
34
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix371 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/BOYAmt0403135
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0481360
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/TotalAmt047809
IRS990/AllOtherExpensesGrp/TotalAmt01940
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/BOYAmt0851020
IRS990/CashNonInterestBearingGrp/EOYAmt01035490
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0179829
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt015007
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt02500
IRS990/CYInvestmentIncomeAmt01611757
IRS990/CYOtherExpensesAmt02451315
IRS990/CYOtherRevenueAmt011171
IRS990/CYProgramServiceRevenueAmt02850597
IRS990/CYRevenuesLessExpensesAmt0604451
IRS990/CYSalariesCompEmpBnftPaidAmt01415259
IRS990/CYTotalExpensesAmt03869074
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04473525
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0148253
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 5,828 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt034
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt09800
IRS990/FeesForServicesOtherGrp/TotalAmt049113
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/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
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/OtherCompensationAmt524421
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
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5155408
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
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-11260
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticOrgsGrp/TotalAmt02500
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt037618
IRS990/GrossReceiptsAmt04522403
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0166752
IRS990/InsuranceGrp/TotalAmt029366
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01623017
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01623017
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0291800
IRS990/IRPDocumentCnt01995
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0894737
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01188497
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01102131
IRS990/LandBldgEquipCostOrOtherBssAmt01996868
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt048878
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0CSD 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/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt09342570
IRS990/NetAssetsOrFundBalancesEOYAmt09947021
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-11260
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-11260
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt088066
IRS990/OfficeExpensesGrp/TotalAmt0370088
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05571519
IRS990/OtherAssetsTotalGrp/EOYAmt05810251
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0163099
IRS990/OtherExpensesGrp/Desc0MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt01224572
IRS990/OtherExpensesGrp/TotalAmt1191404
IRS990/OtherExpensesGrp/TotalAmt2102918
IRS990/OtherLiabilitiesGrp/BOYAmt067278818
IRS990/OtherLiabilitiesGrp/EOYAmt076928742
IRS990/OtherSalariesAndWagesGrp/TotalAmt0850019
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt037908312
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt037891604
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt080419
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0141893
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0575897
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0567389
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
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02435780
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1408789
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02435780
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1411465
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23352
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02676
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13352
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 2,475 LOANS OUTSTANDING TOTALING $38,019,975.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,224,572 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt021200
IRS990/PYInvestmentIncomeAmt01405558
IRS990/PYOtherExpensesAmt02199557
IRS990/PYOtherRevenueAmt012993
IRS990/PYProgramServiceRevenueAmt02814271
IRS990/PYRevenuesLessExpensesAmt0802411
IRS990/PYSalariesCompEmpBnftPaidAmt01209654
IRS990/PYTotalExpensesAmt03430411
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04232822
IRS990/ReconcilationRevenueExpnssAmt0604451
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt011171
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt011171
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09342570
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09947021
IRS990/SavingsAndTempCashInvstGrp/BOYAmt030929278
IRS990/SavingsAndTempCashInvstGrp/EOYAmt040658458
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0584987
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0745124
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01330111
IRS990ScheduleD/EquipmentGrp/BookValueAmt0193633
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0149613
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0343246
IRS990ScheduleD/LandGrp/BookValueAmt0323511
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0323511
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt02432561
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt1702348
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2144652
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt322279
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt42508411
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/Amt076928742
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01102131
IRS990ScheduleD/TotalBookValueOtherAssetsAmt05810251
IRS990ScheduleD/TotalLiabilityAmt076928742
IRS990ScheduleI/GrantRecordsMaintainedInd00
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:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0151650
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount03758
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt015541
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08880
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0EDWARD WATTS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0179829
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/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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt077024523
IRS990/TotalAssetsEOYAmt087357123
IRS990/TotalAssetsGrp/BOYAmt077024523
IRS990/TotalAssetsGrp/EOYAmt087357123
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/TotalAmt03869074
IRS990/TotalGrossUBIAmt06028
IRS990/TotalLiabilitiesBOYAmt067681953
IRS990/TotalLiabilitiesEOYAmt077410102
IRS990/TotalLiabilitiesGrp/BOYAmt067681953
IRS990/TotalLiabilitiesGrp/EOYAmt077410102
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt09342570
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09947021
IRS990/TotalOtherCompensationAmt024421
IRS990/TotalProgramServiceRevenueAmt02850597
IRS990/TotalReportableCompFromOrgAmt0155408
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04467497
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04473525
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06028
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt077024523
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt087357123
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt06227
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/SignatureDt02026-04-16
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/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/PreparationDt02026-04-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02026-04-16T10:08:15-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$87.4$77.4$9.95$4.47$3.87$0.60
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