Missouri Credit Union: Form 990, tax year 2023
View the entire original 990 at ProPublica ↗
- Organization
- Missouri Credit Union (EIN 23-7024415)
- Tax period
- 2023-01-01 to 2023-12-31
- Filed
- 2024-04-05
- IRS object ID
- 202430969349300403
- Schema version
- 2023v5.0
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return | 2024-04-05T04:00:44+00:00 | ReturnTs |
| Tax Period End | 2023-12-31 | TaxPeriodEndDt |
Preparer Firm PreparerFirmGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Firm EIN | 440160260 | PreparerFirmEIN |
Preparer Firm Name PreparerFirmName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | FORVIS LLP | BusinessNameLine1Txt |
Preparer US Address PreparerUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1201 Walnut Suite 1700 | AddressLine1Txt |
| City | Kansas City | CityNm |
| State Abbreviation | MO | StateAbbreviationCd |
| ZIP | 641062246 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnTypeCd |
| Tax Period Begin | 2023-01-01 | TaxPeriodBeginDt |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 237024415 | EIN |
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | Missouri Credit Union | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Control | MISS | BusinessNameControlTxt |
| Phone | 5738741477 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E Broadway | AddressLine1Txt |
| City | Columbia | CityNm |
| State Abbreviation | MO | StateAbbreviationCd |
| ZIP | 65203 | ZIPCd |
Business Officer BusinessOfficerGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person | ROBERT P PERKINS | PersonNm |
| Person Title | CFO | PersonTitleTxt |
| Phone | 5738741477 | PhoneNum |
| Signature | 2024-04-05 | SignatureDt |
| Discuss With Paid Preparer | Yes (true) | DiscussWithPaidPreparerInd |
Signing Officer SigningOfficerGrp
Person Full Name PersonFullName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Person First | ROBERT | PersonFirstNm |
| Person Last | PERKINS | PersonLastNm |
| Field | Value | IRS element (for citing) |
|---|---|---|
| SSN | 999009999 | SSN |
| Field | Value | IRS element (for citing) |
|---|---|---|
| IRS Responsible Prty Info Curr | Yes (true) | IRSResponsiblePrtyInfoCurrInd |
Preparer Person PreparerPersonGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Preparer Person | APRIL ARNOLD CPA | PreparerPersonNm |
| PTIN | P01559426 | PTIN |
| Phone | 8162216300 | PhoneNum |
| Preparation | 2023-11-15 | PreparationDt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax | 2023 | TaxYr |
| Build TS | 2023-04-26 12:10:37Z | BuildTS |
Form 990 IRS990
Principal Ofcr Business Name PrincipalOfcrBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | HAROLD JAMES | BusinessNameLine1Txt |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E Broadway | AddressLine1Txt |
| City | Columbia | CityNm |
| State Abbreviation | MO | StateAbbreviationCd |
| ZIP | 65203 | ZIPCd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | $29,399,852 | GrossReceiptsAmt |
| Group Return For Affiliates | false | GroupReturnForAffiliatesInd |
| Organization501c | Yes (X) | Organization501cInd |
| Website Address | WWW.MISSOURICU.ORG | WebsiteAddressTxt |
| Type Of Organization Corp | Yes (X) | TypeOfOrganizationCorpInd |
| Formation | 1969 | FormationYr |
| Legal Domicile State | MO | LegalDomicileStateCd |
| Activity Or Mission | MISSOURI CREDIT UNION (MCU) IS OPERATED FOR MUTUAL PURPOSES. | ActivityOrMissionDesc |
| Voting Members Governing Body | 10 | VotingMembersGoverningBodyCnt |
| Voting Members Independent | 10 | VotingMembersIndependentCnt |
| Total Employee | 120 | TotalEmployeeCnt |
| Total Volunteers | 14 | TotalVolunteersCnt |
| Total Gross UBI | $197,626 | TotalGrossUBIAmt |
| Net Unrelated Bus Txbl Incm | $0 | NetUnrelatedBusTxblIncmAmt |
| CY Contributions Grants | $0 | CYContributionsGrantsAmt |
| PY Program Service Revenue | $18,042,341 | PYProgramServiceRevenueAmt |
| CY Program Service Revenue | $23,273,071 | CYProgramServiceRevenueAmt |
| PY Investment Income | $3,888,569 | PYInvestmentIncomeAmt |
| CY Investment Income | $5,968,485 | CYInvestmentIncomeAmt |
| PY Other Revenue | $146,934 | PYOtherRevenueAmt |
| CY Other Revenue | $158,296 | CYOtherRevenueAmt |
| PY Total Revenue | $22,077,844 | PYTotalRevenueAmt |
| CY Total Revenue | $29,399,852 | CYTotalRevenueAmt |
| PY Grants And Similar Paid | $49,744 | PYGrantsAndSimilarPaidAmt |
| CY Grants And Similar Paid | $81,505 | CYGrantsAndSimilarPaidAmt |
| PY Benefits Paid To Members | $2,309,777 | PYBenefitsPaidToMembersAmt |
| CY Benefits Paid To Members | $6,695,889 | CYBenefitsPaidToMembersAmt |
| PY Salaries Comp Emp Bnft Paid | $6,877,291 | PYSalariesCompEmpBnftPaidAmt |
| CY Salaries Comp Emp Bnft Paid | $7,100,362 | CYSalariesCompEmpBnftPaidAmt |
| CY Total Prof Fndrsng Expns | $0 | CYTotalProfFndrsngExpnsAmt |
| CY Total Fundraising Expense | $0 | CYTotalFundraisingExpenseAmt |
| PY Other Expenses | $8,291,737 | PYOtherExpensesAmt |
| CY Other Expenses | $10,435,277 | CYOtherExpensesAmt |
| PY Total Expenses | $17,528,549 | PYTotalExpensesAmt |
| CY Total Expenses | $24,313,033 | CYTotalExpensesAmt |
| PY Revenues Less Expenses | $4,549,295 | PYRevenuesLessExpensesAmt |
| CY Revenues Less Expenses | $5,086,819 | CYRevenuesLessExpensesAmt |
| Total Assets BOY | $525,519,430 | TotalAssetsBOYAmt |
| Total Assets EOY | $537,313,890 | TotalAssetsEOYAmt |
| Total Liabilities BOY | $480,839,219 | TotalLiabilitiesBOYAmt |
| Total Liabilities EOY | $487,873,962 | TotalLiabilitiesEOYAmt |
| Net Assets Or Fund Balances BOY | $44,680,211 | NetAssetsOrFundBalancesBOYAmt |
| Net Assets Or Fund Balances EOY | $49,439,928 | NetAssetsOrFundBalancesEOYAmt |
| Info In Schedule O Part III | Yes (X) | InfoInScheduleOPartIIIInd |
| Mission | WE BELIEVE THAT MISSOURI CREDIT UNION: -STRIVES TO EXTEND TO OUR FIELD OF MEMBERSHIP THE OPPORTUNITY TO PARTICIPATE IN SERVICES AND BENEFITS WHICH MEMBERSHIP PROVIDES; -ENCOURAGE SOUND FINANCIAL MANAGEMENT THROUGH SAVINGS, THE WISE USE OF CREDIT AND CONSUMER EDUCATION; -FOSTERS AND PRACTICES THE PRINCIPLES OF COOPERATIVE POOLING AND UTILIZATION OF RESOURCES FOR THE ULTIMATE BENEFIT OF OUR MEMBER/OWNERS; -MAINTAINS AND ENHANCES PARTICIPATION OF THE DEMOCRATIC PROCESS AT ALL LEVELS; -ATTRACTS AND DEVELOPS THE BEST POSSIBLE HUMAN RESOURCES AT ALL LEVELS TO SERVICE OUR MEMBER/OWNER; AND -STRIVES TO MAINTAIN MEMBER/OWNER CONFIDENCE THROUGH PRUDENT FINANCIAL MANAGEMENT AND QUALITY SERVICE. | MissionDesc |
| Significant New Program Srvc | false | SignificantNewProgramSrvcInd |
| Significant Change | false | SignificantChangeInd |
| Desc | ONE OF THE CREDIT UNION'S PRIMARY PURPOSES IS TO PROVIDE CREDIT TO ITS MEMBERS AT A COMPETITIVE RATE. THE CREDIT UNION PROVIDES SECURED, UNSECURED AND REAL ESTATE LOANS TO ELIGIBLE MEMBERS. OUT OF 36,841 MEMBERS, THE CREDIT UNION HAD 24,582 LOANS OUTSTANDING AT 12/31/23, INCLUDING MORTGAGES SOLD WITH SERVICING RETAINED. A PARTICIPATION INTEREST WAS ALSO OWNED IN AN ADDITIONAL 79,650 LOANS. | Desc |
Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | THE CREDIT UNION OFFERS DEPOSIT SERVICES TO ELIGIBLE MEMBERS. THE CREDIT UNION OFFERS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, CERTIFICATES AND INDIVIDUAL RETIREMENT ACCOUNTS TO ALL MEMBERS. IN ORDER TO MAINTAIN A SHARE ACCOUNT AN INDIVIDUAL MUST BE ELIGIBLE FOR MEMBERSHIP. AT 12/31/23 THERE WERE 68,758 DEPOSIT ACCOUNTS BEING SERVICED. | Desc |
Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | ONE OF THE DELIVERY CHANNELS FOR THE VARIOUS PRODUCTS IS ELECTRONIC DELIVERY. THE CREDIT UNION OFFERS DEBIT CARDS, ATM ACCESS, AUDIO RESPONSE ACCOUNT ACCESS, INTERNET ACCOUNT ACCESS AND MOBILE ACCOUNT ACCESS. ALL SERVICES ARE OFFERED AT NO COST TO ELIGIBLE MEMBERS. THE CREDIT UNION BELONGS TO THE CO-OP ATM NETWORK WHICH ENABLES MEMBERS TO USE NETWORK RELATED ATMS NATIONWIDE WITH NO SURCHARGE. CREDIT UNION SHARED BRANCHING TRANSACTIONS ARE ALSO OFFERED NATIONWIDE. | Desc |
Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | THE CREDIT UNION ALSO OFFERS FIRST TIME HOME BUYER CREDITS, DEBIT CARDS, BRANDED CREDIT CARDS, REMOTE DEPOSIT CAPTURE, ACH ORIGINATION, DIRECT DEPOSIT SERVICES AND WIRE TRANSFERS TO ELIGIBLE MEMBERS. | Desc |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Expenses | $0 | TotalProgramServiceExpensesAmt |
| Described In Section501c3 | false | DescribedInSection501c3Ind |
| Schedule B Required | false | ScheduleBRequiredInd |
| Political Campaign Acty | false | PoliticalCampaignActyInd |
| Donor Advised Fund | false | DonorAdvisedFundInd |
| Conservation Easements | false | ConservationEasementsInd |
| Collections Of Art | false | CollectionsOfArtInd |
| Credit Counseling | Yes (true) | CreditCounselingInd |
| Donor Rstr Or Quasi Endowments | false | DonorRstrOrQuasiEndowmentsInd |
| Report Land Building Equipment | Yes (true) | ReportLandBuildingEquipmentInd |
| Report Investments Other Sec | Yes (true) | ReportInvestmentsOtherSecInd |
| Report Program Related Invst | false | ReportProgramRelatedInvstInd |
| Report Other Assets | false | ReportOtherAssetsInd |
| Report Other Liabilities | Yes (true) | ReportOtherLiabilitiesInd |
| Include FIN48 Footnote | false | IncludeFIN48FootnoteInd |
| Independent Audit Fincl Stmt | false | IndependentAuditFinclStmtInd |
| Consolidated Audit Fincl Stmt | false | ConsolidatedAuditFinclStmtInd |
| School Operating | false | SchoolOperatingInd |
| Foreign Office | false | ForeignOfficeInd |
| Foreign Activities | false | ForeignActivitiesInd |
| More Than5000 K To Org | false | MoreThan5000KToOrgInd |
| More Than5000 K To Individuals | false | MoreThan5000KToIndividualsInd |
| Professional Fundraising | false | ProfessionalFundraisingInd |
| Fundraising Activities | false | FundraisingActivitiesInd |
| Gaming Activities | false | GamingActivitiesInd |
| Operate Hospital | false | OperateHospitalInd |
| Grants To Organizations | Yes (true) | GrantsToOrganizationsInd |
| Grants To Individuals | Yes (true) | GrantsToIndividualsInd |
| Schedule J Required | Yes (true) | ScheduleJRequiredInd |
| Tax Exempt Bonds | false | TaxExemptBondsInd |
| Loan Outstanding | Yes (true) | LoanOutstandingInd |
| Grant To Related Person | false | GrantToRelatedPersonInd |
| Business Rln With Org Mem | false | BusinessRlnWithOrgMemInd |
| Business Rln With Fam Mem | false | BusinessRlnWithFamMemInd |
| Business Rln With35 Ctrl Ent | false | BusinessRlnWith35CtrlEntInd |
| Deductible Non Cash Contri | false | DeductibleNonCashContriInd |
| Deductible Art Contribution | false | DeductibleArtContributionInd |
| Terminate Operations | false | TerminateOperationsInd |
| Partial Liquidation | false | PartialLiquidationInd |
| Disregarded Entity | false | DisregardedEntityInd |
| Related Entity | false | RelatedEntityInd |
| Related Organization Ctrl Ent | false | RelatedOrganizationCtrlEntInd |
| Activities Conducted Prtshp | false | ActivitiesConductedPrtshpInd |
| Schedule O Required | Yes (true) | ScheduleORequiredInd |
| IRP Document | 13333 | IRPDocumentCnt |
| IRP Document W2 G | 0 | IRPDocumentW2GCnt |
| Backup Wthld Compliance | Yes (true) | BackupWthldComplianceInd |
| Employee | 120 | EmployeeCnt |
| Employment Tax Returns Filed | Yes (true) | EmploymentTaxReturnsFiledInd |
| Unrelated Bus Incm Over Limit | Yes (true) | UnrelatedBusIncmOverLimitInd |
| Form990 T Filed | Yes (true) | Form990TFiledInd |
| Foreign Financial Account | false | ForeignFinancialAccountInd |
| Prohibited Tax Shelter Trans | false | ProhibitedTaxShelterTransInd |
| Taxable Party Notification | false | TaxablePartyNotificationInd |
| Nondeductible Contributions | false | NondeductibleContributionsInd |
| Indoor Tanning Services | false | IndoorTanningServicesInd |
| Subj To Tax Rmnrtn Ex Prcht Pymt | false | SubjToTaxRmnrtnExPrchtPymtInd |
| Subject To Excs Tax Net Invst Inc | false | SubjectToExcsTaxNetInvstIncInd |
| Info In Schedule O Part VI | Yes (X) | InfoInScheduleOPartVIInd |
| Governing Body Voting Members | 10 | GoverningBodyVotingMembersCnt |
| Independent Voting Member | 10 | IndependentVotingMemberCnt |
| Family Or Business Rln | false | FamilyOrBusinessRlnInd |
| Delegation Of Mgmt Duties | false | DelegationOfMgmtDutiesInd |
| Change To Org Documents | false | ChangeToOrgDocumentsInd |
| Material Diversion Or Misuse | false | MaterialDiversionOrMisuseInd |
| Members Or Stockholders | Yes (true) | MembersOrStockholdersInd |
| Election Of Board Members | Yes (true) | ElectionOfBoardMembersInd |
| Decisions Subject To Approva | Yes (true) | DecisionsSubjectToApprovaInd |
| Minutes Of Governing Body | Yes (true) | MinutesOfGoverningBodyInd |
| Minutes Of Committees | Yes (true) | MinutesOfCommitteesInd |
| Officer Mailing Address | false | OfficerMailingAddressInd |
| Local Chapters | Yes (true) | LocalChaptersInd |
| Policies Reference Chapters | Yes (true) | PoliciesReferenceChaptersInd |
| Form990 Provided To Gvrn Body | Yes (true) | Form990ProvidedToGvrnBodyInd |
| Conflict Of Interest Policy | Yes (true) | ConflictOfInterestPolicyInd |
| Annual Disclosure Covered Prsn | Yes (true) | AnnualDisclosureCoveredPrsnInd |
| Regular Monitoring Enfrc | Yes (true) | RegularMonitoringEnfrcInd |
| Whistleblower Policy | Yes (true) | WhistleblowerPolicyInd |
| Document Retention Policy | Yes (true) | DocumentRetentionPolicyInd |
| Compensation Process CEO | Yes (true) | CompensationProcessCEOInd |
| Compensation Process Other | false | CompensationProcessOtherInd |
| Investment In Joint Venture | false | InvestmentInJointVentureInd |
| Upon Request | Yes (X) | UponRequestInd |
Books In Care Of Detail BooksInCareOfDetail
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ROBERT P PERKINS | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Phone | 5738741477 | PhoneNum |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E Broadway | AddressLine1Txt |
| City | Columbia | CityNm |
| State Abbreviation | MO | StateAbbreviationCd |
| ZIP | 65203 | ZIPCd |
Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)
| TitleTitleTxt | Average Hours Per WeekAverageHoursPerWeekRt | Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt | Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd | OfficerOfficerInd | Reportable Comp From OrgReportableCompFromOrgAmt | Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt | Other CompensationOtherCompensationAmt | Key EmployeeKeyEmployeeInd | Highest Compensated EmployeeHighestCompensatedEmployeeInd |
|---|---|---|---|---|---|---|---|---|---|
| HOWARD PYRON | |||||||||
| TREASURER | 0.5 | 0.0 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| KEE GROSHONG | |||||||||
| CHAIR | 0.5 | 0.0 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| MARK KAISER | |||||||||
| VICE CHAIR | 0.5 | 0.0 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| RICHARD OTTO | |||||||||
| SECRETARY | 0.5 | 0.0 | Yes (X) | Yes (X) | $0 | $0 | $0 | ||
| ANDY BONDERER | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| ANNE ROBINSON | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| BETHANY ABELN | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| DON GREER | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| RANDY MORROW | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| STEPHEN PRICE | |||||||||
| DIRECTOR | 0.5 | 0.0 | Yes (X) | $0 | $0 | $0 | |||
| DEANN BARTON | |||||||||
| COO | 40.0 | 0.0 | Yes (X) | $205,675 | $0 | $25,051 | |||
| HAROLD JAMES | |||||||||
| PRESIDENT | 40.0 | 0.0 | Yes (X) | $479,612 | $0 | $29,484 | |||
| ROBERT PERKINS | |||||||||
| CFO | 40.0 | 0.0 | Yes (X) | $211,797 | $0 | $24,329 | |||
| CHENGFAN XU | |||||||||
| SR VICE PRESIDENT | 40.0 | 0.0 | $192,158 | $0 | $22,410 | Yes (X) | |||
| DAVID MORROW | |||||||||
| VICE PRESIDENT | 40.0 | 0.0 | $107,362 | $0 | $7,357 | Yes (X) | |||
| KRISTY BRYANT | |||||||||
| VICE PRESIDENT | 40.0 | 0.0 | $131,419 | $0 | $19,004 | Yes (X) | |||
| LORI RHOADES | |||||||||
| VICE PRESIDENT | 40.0 | 0.0 | $109,289 | $0 | $40,742 | Yes (X) | |||
| MARGIE BRAMON | |||||||||
| VICE PRESIDENT | 40.0 | 0.0 | $107,161 | $0 | $18,457 | Yes (X) | |||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | $1,544,473 | TotalReportableCompFromOrgAmt |
| Tot Reportable Comp Rltd Org | $0 | TotReportableCompRltdOrgAmt |
| Total Other Compensation | $186,834 | TotalOtherCompensationAmt |
| Indiv Rcvd Greater Than100 K | 8 | IndivRcvdGreaterThan100KCnt |
| Former Ofcr Employees Listed | false | FormerOfcrEmployeesListedInd |
| Total Comp Greater Than150 K | Yes (true) | TotalCompGreaterThan150KInd |
| Compensation From Other Srcs | false | CompensationFromOtherSrcsInd |
Contractor Compensation ContractorCompensationGrp (5 entries)
| Address Line1ContractorAddress/USAddress/AddressLine1Txt | CityContractorAddress/USAddress/CityNm | State AbbreviationContractorAddress/USAddress/StateAbbreviationCd | ZIPContractorAddress/USAddress/ZIPCd | ServicesServicesDesc | CompensationCompensationAmt |
|---|---|---|---|---|---|
| DATA BUSINESS EQUIPMENT INC | |||||
| 10513 BUENA VISTA CT | DES MOINES | IA | 50322 | PTM EQUIPMENT MAINTENANCE | $717,550 |
| BUCKET MEDIA | |||||
| 1123 WILKES BLVD | COLUMBIA | MO | 65201 | MEDIA PLANNING & BUYING | $408,657 |
| JACK HENRY & ASSOCIATES | |||||
| PO BOX 609 | MONETT | MO | 65708 | SOFTWARE SUPPORT & MAINTENANCE | $368,786 |
| ACCESS SOFTEK INC | |||||
| 727 ALLSTON WAY | BERKELEY | CA | 94710 | MOBILE AND HOME BANKING | $247,302 |
| TROZZOLO COMMUNICATIONS GROUP | |||||
| PO BOX 410002 | KANSAS CITY | MO | 64141 | ADVERTISING | $235,000 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Cntrct Rcvd Greater Than100 K | 11 | CntrctRcvdGreaterThan100KCnt |
| Total Contributions | $0 | TotalContributionsAmt |
Program Service Revenue ProgramServiceRevenueGrp (4 entries)
| DescDesc | BusinessBusinessCd | Total Revenue ColumnTotalRevenueColumnAmt | Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt | Unrelated Business RevenueUnrelatedBusinessRevenueAmt |
|---|---|---|---|---|
| INTEREST ON MEMBER LOANS | 522100 | $17,915,153 | $17,915,153 | |
| FEES AND CHARGES | 522100 | $2,548,033 | $2,547,073 | $960 |
| MISCELLANEOUS OPERATING REVENUE | 522100 | $2,431,043 | $2,340,843 | $90,200 |
| NON-INTEREST REVENUE | 522100 | $378,842 | $282,591 | $96,251 |
Total Oth Program Service Rev TotalOthProgramServiceRevGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $0 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $0 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | $23,273,071 | TotalProgramServiceRevenueAmt |
Investment Income InvestmentIncomeGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $5,623,342 | TotalRevenueColumnAmt |
| Exclusion | $5,623,342 | ExclusionAmt |
Gross Rents GrossRentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $158,296 | RealAmt |
Less Rental Expenses LessRentalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $0 | RealAmt |
Rental Income Or Loss RentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | $158,296 | RealAmt |
| Personal | $0 | PersonalAmt |
Net Rental Income Or Loss NetRentalIncomeOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $158,296 | TotalRevenueColumnAmt |
| Unrelated Business Revenue | $10,215 | UnrelatedBusinessRevenueAmt |
| Exclusion | $148,081 | ExclusionAmt |
Gross Amount Sales Assets GrossAmountSalesAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $345,143 | OtherAmt |
Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other | $0 | OtherAmt |
Gain Or Loss GainOrLossGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | $0 | SecuritiesAmt |
| Other | $345,143 | OtherAmt |
Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $345,143 | TotalRevenueColumnAmt |
| Exclusion | $345,143 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Contri Rpt Fundraising Event | $0 | ContriRptFundraisingEventAmt |
Miscellaneous Revenue MiscellaneousRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $0 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $0 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $0 | UnrelatedBusinessRevenueAmt |
| Exclusion | $0 | ExclusionAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Revenue Total | $0 | OtherRevenueTotalAmt |
Total Revenue TotalRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | $29,399,852 | TotalRevenueColumnAmt |
| Related Or Exempt Func Income | $23,085,660 | RelatedOrExemptFuncIncomeAmt |
| Unrelated Business Revenue | $197,626 | UnrelatedBusinessRevenueAmt |
| Exclusion | $6,116,566 | ExclusionAmt |
Grants To Domestic Orgs GrantsToDomesticOrgsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $41,505 | TotalAmt |
Grants To Domestic Individuals GrantsToDomesticIndividualsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $40,000 | TotalAmt |
Benefits To Members BenefitsToMembersGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,695,889 | TotalAmt |
Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,190,516 | TotalAmt |
Other Salaries And Wages OtherSalariesAndWagesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $4,612,178 | TotalAmt |
Pension Plan Contributions PensionPlanContributionsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $249,341 | TotalAmt |
Other Employee Benefits OtherEmployeeBenefitsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $654,727 | TotalAmt |
Payroll Taxes PayrollTaxesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $393,600 | TotalAmt |
Fees For Services Legal FeesForServicesLegalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $111,281 | TotalAmt |
Fees For Services Accounting FeesForServicesAccountingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $84,960 | TotalAmt |
Fees For Services Other FeesForServicesOtherGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $364,422 | TotalAmt |
Advertising AdvertisingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $985,520 | TotalAmt |
Office Expenses OfficeExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $1,308,265 | TotalAmt |
Information Technology InformationTechnologyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $641,170 | TotalAmt |
Occupancy OccupancyGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $978,414 | TotalAmt |
Travel TravelGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $181,493 | TotalAmt |
Interest InterestGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $6,953 | TotalAmt |
Depreciation Depletion DepreciationDepletionGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $738,056 | TotalAmt |
Insurance InsuranceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $219,533 | TotalAmt |
Other Expenses OtherExpensesGrp (3 entries)
| DescDesc | TotalTotalAmt |
|---|---|
| Loan Servicing | $4,495,269 |
| State & Other Franchise Taxes | $313,047 |
| ATM | $6,894 |
All Other Expenses AllOtherExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $0 | TotalAmt |
Total Functional Expenses TotalFunctionalExpensesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | $24,313,033 | TotalAmt |
Cash Non Interest Bearing CashNonInterestBearingGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $4,086,421 | BOYAmt |
| EOY | $3,510,988 | EOYAmt |
Savings And Temp Cash Invst SavingsAndTempCashInvstGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pledges And Grants Receivable PledgesAndGrantsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Accounts Receivable AccountsReceivableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $790,296 | BOYAmt |
| EOY | $1,565,762 | EOYAmt |
Receivables From Officers Etc ReceivablesFromOfficersEtcGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,580,777 | BOYAmt |
| EOY | $8,678,449 | EOYAmt |
Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $307,030,033 | BOYAmt |
| EOY | $331,326,738 | EOYAmt |
Inventories For Sale Or Use InventoriesForSaleOrUseGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $2,421,851 | BOYAmt |
| EOY | $2,540,482 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Bldg Equip Cost Or Other Bss | $23,683,297 | LandBldgEquipCostOrOtherBssAmt |
| Land Bldg Equip Accum Deprec | $13,717,493 | LandBldgEquipAccumDeprecAmt |
Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $10,437,802 | BOYAmt |
| EOY | $9,965,804 | EOYAmt |
Investments Pub Traded Sec InvestmentsPubTradedSecGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Investments Other Securities InvestmentsOtherSecuritiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $179,942,785 | BOYAmt |
| EOY | $167,352,963 | EOYAmt |
Investments Program Related InvestmentsProgramRelatedGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
Intangible Assets IntangibleAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Other Assets Total OtherAssetsTotalGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $12,229,465 | BOYAmt |
| EOY | $12,372,704 | EOYAmt |
Total Assets TotalAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $525,519,430 | BOYAmt |
| EOY | $537,313,890 | EOYAmt |
Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $8,058,966 | BOYAmt |
| EOY | $9,182,193 | EOYAmt |
Grants Payable GrantsPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Deferred Revenue DeferredRevenueGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,066,780 | BOYAmt |
| EOY | $1,058,390 | EOYAmt |
Tax Exempt Bond Liabilities TaxExemptBondLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Escrow Account Liability EscrowAccountLiabilityGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $1,644,895 | BOYAmt |
| EOY | $1,300,962 | EOYAmt |
Loans From Officers Directors LoansFromOfficersDirectorsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $157,445 | BOYAmt |
| EOY | $131,147 | EOYAmt |
Other Liabilities OtherLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $469,911,133 | BOYAmt |
| EOY | $476,201,270 | EOYAmt |
Total Liabilities TotalLiabilitiesGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $480,839,219 | BOYAmt |
| EOY | $487,873,962 | EOYAmt |
No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Donor Restriction Net Assets DonorRestrictionNetAssetsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Org Does Not Follow FASB117 | Yes (X) | OrgDoesNotFollowFASB117Ind |
Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $0 | BOYAmt |
| EOY | $0 | EOYAmt |
Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $44,680,211 | BOYAmt |
| EOY | $49,439,928 | EOYAmt |
Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $44,680,211 | BOYAmt |
| EOY | $49,439,928 | EOYAmt |
Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | $525,519,430 | BOYAmt |
| EOY | $537,313,890 | EOYAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | Yes (X) | InfoInScheduleOPartXIInd |
| Reconcilation Revenue Expnss | $5,086,819 | ReconcilationRevenueExpnssAmt |
| Net Unrlzd Gains Losses Invst | -$2,341,652 | NetUnrlzdGainsLossesInvstAmt |
| Other Changes In Net Assets | $2,014,550 | OtherChangesInNetAssetsAmt |
| Method Of Accounting Accrual | Yes (X) | MethodOfAccountingAccrualInd |
| Accountant Compile Or Review | false | AccountantCompileOrReviewInd |
| FS Audited | Yes (true) | FSAuditedInd |
FS Audited Basis FSAuditedBasisGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Separate Basis Fincl Stmt | Yes (X) | SeparateBasisFinclStmtInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | Yes (true) | AuditCommitteeInd |
| Federal Grant Audit Required | false | FederalGrantAuditRequiredInd |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | false | AgentTrusteeEtcInd |
| Incl Escrow Custodial Acct Liab | Yes (true) | InclEscrowCustodialAcctLiabInd |
| Explanation Provided | Yes (X) | ExplanationProvidedInd |
Land LandGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $4,423,330 | OtherCostOrOtherBasisAmt |
| Book Value | $4,423,330 | BookValueAmt |
Buildings BuildingsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $9,168,353 | OtherCostOrOtherBasisAmt |
| Depreciation | $4,407,966 | DepreciationAmt |
| Book Value | $4,760,387 | BookValueAmt |
Leasehold Improvements LeaseholdImprovementsGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $1,721,938 | OtherCostOrOtherBasisAmt |
| Depreciation | $1,696,720 | DepreciationAmt |
| Book Value | $25,218 | BookValueAmt |
Equipment EquipmentGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | $8,369,676 | OtherCostOrOtherBasisAmt |
| Depreciation | $7,612,807 | DepreciationAmt |
| Book Value | $756,869 | BookValueAmt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Land Buildings | $9,965,804 | TotalBookValueLandBuildingsAmt |
Other Securities OtherSecuritiesGrp (5 entries)
| DescDesc | Book ValueBookValueAmt | Method ValuationMethodValuationCd |
|---|---|---|
| CORP CREDIT UNION DEPOSITS | $431,812 | C |
| FRB DEPOSITS | $103,111,003 | C |
| COMMERCIAL BANK DEPOSITS | $154,950 | C |
| FHLB DEPOSITS | $3,340,329 | C |
| FEDERAL AGENCY SECURITIES | $60,314,869 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Book Value Securities | $167,352,963 | TotalBookValueSecuritiesAmt |
Other Liabilities Org OtherLiabilitiesOrgGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Desc | Members Shares and Deposits | Desc |
| Amt | $476,201,270 | Amt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Liability | $476,201,270 | TotalLiabilityAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Schedule D, Part IV, Line 2b Explanation of escrow agreement | FormAndLineReferenceDesc |
| Explanation | THE CREDIT UNION HOLDS FUNDS IN ESCROW FOR REAL ESTATE LOANS THAT HAVE BEEN SOLD, BUT ARE STILL SERVICED BY MCU. THERE IS AN OFFSETTING ENTRY BECAUSE THE FUNDS ARE TECHNICALLY OWNED BY THE GOVERNMENT DEPOSITORS WHO OWN THE CORRESPONDING LOANS. | ExplanationTxt |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Records Maintained | Yes (true) | GrantRecordsMaintainedInd |
Recipient Table RecipientTable (2 entries)
| Address Line1USAddress/AddressLine1Txt | Address Line2USAddress/AddressLine2Txt | CityUSAddress/CityNm | State AbbreviationUSAddress/StateAbbreviationCd | ZIPUSAddress/ZIPCd | Recipient EINRecipientEIN | IRC SectionIRCSectionDesc | Cash GrantCashGrantAmt | Purpose Of GrantPurposeOfGrantTxt |
|---|---|---|---|---|---|---|---|---|
| City of Columbia | ||||||||
| 701 E Broadway | PO Box 6015 | Columbia | MO | 652056015 | 436000810 | GOVT | $10,000 | Attract new carriers or expand routes from regional airport |
| THE FOOD BANK OF CENTRAL AND NORTHEAST MISSOURI | ||||||||
| 2101 VANDIVER DR | COLUMBIA | MO | 65202 | 431238934 | 501(c)(3) | $19,200 | GENERAL OPERATIONS | |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total501c3 Org | 2 | Total501c3OrgCnt |
| Total Other Org | 0 | TotalOtherOrgCnt |
Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp
| Field | Value | IRS element (for citing) |
|---|---|---|
| Grant Type | SCHOLARSHIPS | GrantTypeTxt |
| Recipient | 16 | RecipientCnt |
| Cash Grant | $40,000 | CashGrantAmt |
Supplemental Information Detail SupplementalInformationDetail
| Field | Value | IRS element (for citing) |
|---|---|---|
| Form And Line Reference | Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds. | FormAndLineReferenceDesc |
| Explanation | HIGH SCHOOL SENIORS GRADUATING DURING THE YEAR ARE AWARDED $2,500 SCHOLARSHIPS. THE FUNDS ARE INTENDED TO BE USED TO OFFSET THE COST OF ATTENDING A 4-YEAR COLLEGE/UNIVERSITY OR A 2-YEAR TECHNICAL SCHOOL. THE FUNDS ARE PAID TO THE INDIVIDUAL AND ARE NOT RESTRICTED. GRANTS TO ORGANIZATIONS ARE AUTHORIZED BY THE BOARD AND NO MONITORING IS PERFORMED OR REQUIRED. | ExplanationTxt |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | Yes (X) | CompensationCommitteeInd |
| Form990 Of Other Organizations | Yes (X) | Form990OfOtherOrganizationsInd |
| Compensation Survey | Yes (X) | CompensationSurveyInd |
| Board Or Committee Approval | Yes (X) | BoardOrCommitteeApprovalInd |
| Severance Payment | false | SeverancePaymentInd |
| Supplemental Nonqual Rtr Plan | false | SupplementalNonqualRtrPlanInd |
| Equity Based Comp Arrngm | false | EquityBasedCompArrngmInd |
Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)
| TitleTitleTxt | Base Compensation Filing OrgBaseCompensationFilingOrgAmt | Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt | Bonus Filing OrganizationBonusFilingOrganizationAmount | Bonus Related OrganizationsBonusRelatedOrganizationsAmt | Other Compensation Filing OrgOtherCompensationFilingOrgAmt | Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt | Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt | Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt | Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt | Total Compensation Filing OrgTotalCompensationFilingOrgAmt | Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt | Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HAROLD JAMES | ||||||||||||||
| PRESIDENT | $439,612 | $0 | $40,000 | $0 | $0 | $0 | $18,496 | $0 | $10,988 | $0 | $509,096 | $0 | $0 | $0 |
| ROBERT PERKINS | ||||||||||||||
| CFO | $194,797 | $0 | $17,000 | $0 | $0 | $0 | $12,907 | $0 | $11,422 | $0 | $236,126 | $0 | $0 | $0 |
| DEANN BARTON | ||||||||||||||
| COO | $187,675 | $0 | $18,000 | $0 | $0 | $0 | $12,607 | $0 | $12,444 | $0 | $230,726 | $0 | $0 | $0 |
| CHENGFAN XU | ||||||||||||||
| SR VICE PRESIDENT | $178,158 | $0 | $14,000 | $0 | $0 | $0 | $11,622 | $0 | $10,788 | $0 | $214,568 | $0 | $0 | $0 |
| KRISTY BRYANT | ||||||||||||||
| VICE PRESIDENT | $131,419 | $0 | $0 | $0 | $0 | $0 | $7,989 | $0 | $11,015 | $0 | $150,423 | $0 | $0 | $0 |
| LORI RHOADES | ||||||||||||||
| VICE PRESIDENT | $109,289 | $0 | $0 | $0 | $0 | $0 | $7,389 | $0 | $33,353 | $0 | $150,031 | $0 | $0 | $0 |
Schedule L IRS990ScheduleL
Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp
Business Name BusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | HAROLD JAMES | BusinessNameLine1Txt |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Relationship With Org | PRESIDENT/CEO | RelationshipWithOrgTxt |
| Loan Purpose | SPLIT DOLLAR LIFE INSURANCE POLICY | LoanPurposeTxt |
| Loan From Organization | Yes (X) | LoanFromOrganizationInd |
| Original Principal | $4,102,876 | OriginalPrincipalAmt |
| Balance Due | $8,678,449 | BalanceDueAmt |
| Default | false | DefaultInd |
| Board Or Committee Approval | Yes (true) | BoardOrCommitteeApprovalInd |
| Written Agreement | Yes (true) | WrittenAgreementInd |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | $8,678,449 | TotalBalanceDueAmt |
Schedule O IRS990ScheduleO
Supplemental Information Detail SupplementalInformationDetail (13 entries)
| Form And Line ReferenceFormAndLineReferenceDesc | ExplanationExplanationTxt |
|---|---|
| Form 990, Part I, Line 6 TOTAL NUMBER OF VOLUNTEERS | THE 14 VOLUNTEERS CONSISTED OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE. |
| Form 990, Part III, Line 4d Description of other program services | (Expenses $ including grants of $) THE CREDIT UNION ALSO OFFERS FIRST TIME HOME BUYER CREDITS, DEBIT CARDS, BRANDED CREDIT CARDS, REMOTE DEPOSIT CAPTURE, ACH ORIGINATION, DIRECT DEPOSIT SERVICES AND WIRE TRANSFERS TO ELIGIBLE MEMBERS. |
| Form 990, Part VI, Line 6 Classes of members or stockholders | THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. |
| Form 990, Part VI, Line 7a Members or stockholders electing members of governing body | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE. |
| Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| Form 990, Part VI, Line 11b Review of form 990 by governing body | AN INDEPENDENT ACCOUNTING FIRM PREPARES AND REVIEWS THE FORM 990. THE FORM 990 IS THEN PROVIDED TO EXECUTIVE MANAGEMENT AND THE BOARD OF DIRECTORS FOR THEIR REVIEW PRIOR TO FILING THE 990. ANY QUESTIONS OR CONCERNS THE BOARD MAY HAVE ARE ADDRESSED AND ANY CORRECTIONS OR CLARIFICATIONS THAT NEED TO BE MADE ARE MADE PRIOR TO FILING THE 990 WITH THE IRS. |
| Form 990, Part VI, Line 12c Conflict of interest policy | ALL VOLUNTEERS, ELECTED BOARD MEMBERS, AND OFFICERS OF MISSOURI CREDIT UNION (MCU) SIGN AN OATH OF OFFICE REGARDING CONFLICT OF INTEREST. IF A CONFLICT DOES EXIST, BOARD MEMBERS ARE REQUIRED TO RECUSE THEMSELVES IMMEDIATELY AND LEAVE THE ROOM DURING DISCUSSION AND/OR VOTING ON ITEMS WHERE A CONFLICT EXISTS. CONFLICT OF INTEREST IS SPECIFICALLY NOTED IN THE MCU HUMAN RESOURCES POLICY AND REVIEWED WITH ALL STAFF. ANY MCU STAFF FOUND TO ENGAGE IN THESE BEHAVIORS ARE IMMEDIATELY DISCIPLINED, UP TO AND INCLUDING TERMINATION. IN ADDITION, ALL MCU STAFF ARE REQUIRED TO ANNUALLY TAKE CONTINUING TRAINING WHICH INCLUDES TESTING ON THESE AND OTHER SIGNIFICANT TOPICS. |
| Form 990, Part VI, Line 15a Process to establish compensation of top management official | THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT/CEO'S SALARIES AND BENEFITS PACKAGE. LOCAL MARKET DATA OF SALARY AND BENEFIT PACKAGES IN THE LOCAL REGION IS PROVIDED CONTINUALLY BY HUMAN RESOURCES. THIRD PARTY DATA IS ALSO PURCHASED, AVAILABLE AND UPDATED ON A CONTINUING BASIS. LONG TERM COMPENSATION OBJECTIVES HAVE FOCUSED ON STAFF RETENTION BY PROVIDING AND MAINTAINING PAY AND BENEFITS PACKAGES IN THE UPPER 25TH QUADRANT OF ANY OF THESE MARKET INDICATORS. ALSO THE CEO HAS AN ANNUAL EVALUATION TO ASSESS ACHIEVEMENT DURING THE PERIOD OF ESTABLISHED MCU GOALS AND OBJECTIVES. ALL SALARIES AND BENEFITS PACKAGES OF SENIOR MANAGEMENT ARE REVIEWED ANNUALLY BY THE PRESIDENT/CEO AND THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS DOES NOT APPROVE THE SALARIES AND BENEFITS PACKAGES OF ALL SENIOR MANAGEMENT BUT DOES REVIEW. |
| Form 990, Part VI, Line 19 Required documents available to the public | FINANCIAL STATEMENTS, CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST FOR THE SAME PERIOD OF DISCLOSURE AS SET FORTH IN SECTION 6104(D). |
| Form 990, Part VIII, Line 11d Other Miscellaneous Revenue | - Total Revenue: 0, Related or Exempt Function Revenue: 0, Unrelated Business Revenue: 0, Revenue Excluded from Tax Under Sections 512, 513, or 514: 0; |
| Form 990, Part XI, Line 9 Other changes in net assets or fund balances | CHANGE IN NET ASSETS FROM CECL CONVERSION - 2014550; |
| Form 990, Part XII, Line 2c | THE OVERSIGHT AND SELECTION PROCESS HAS NOT CHANGED FROM THE PRIOR TAX YEAR. |
| Form 990, Part XII, Line 2b | THE ORGANIZATION'S FINANCIAL STATEMENTS ARE AUDITED ON A SEPARATE BASIS BY AN INDEPENDENT ACCOUNTANT. HOWEVER, THE FINANCIAL STATEMENTS ARE AUDITED ON A FISCAL YEAR-END BASIS OF SEPTEMBER 30TH, WHILE THE ORGANIZATION'S TAX YEAR-END IS DECEMBER 31ST. |
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