2023-11-07T10:04:22-07:00 2022-12-31 990 2022-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Lawrence Skube VP & Controller 3146579401 2023-11-07 1 1 11 0 AAL2 X 2022 2023-04-26 12:10:37Z Robert McKay 423 Lynch Street Saint Louis MO 63118 110258983 0 X www.togethercu.org X Cooperative 1939 MO All activities pertain to a state chartered credit union that provides deposit and lending services to its membership which approximates 140,000 9 9 524 14 101742 0 0 0 99683148 103957594 7735719 6301389 0 0 107418867 110258983 17250 0 0 0 37667154 39810196 0 0 0 48953819 62584206 86638223 102394402 20780644 7864581 2310446798 2446406107 2092542241 2255490599 217904557 190915508 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 140,000 0 0 71820074 77336341 Loans to members 24722406 26621253 Service fees 5851922 6301389 Investments 0 0 0 102394402 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 524 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X Lawrence Skube 3146579401 423 Lynch Street Saint Louis MO 63118 R McKay President/CEO 40 X X X 940951 0 967739 M Dougherty CLO 40 X X X 366505 0 207178 R Kampwerth CFO 40 X X X X 392463 0 120231 T Kraus COO 40 X X X 361379 0 50368 C Trunko CPO 40 X X X 363073 0 40806 J Boyer VP 40 X X 221189 0 39780 J Moran VP 40 X X 201291 0 50075 V Vernon MLO 40 X 231169 0 13841 P Sheahan VP 40 X X 211897 0 29416 H Brandvein VP 40 X X X 199359 0 28632 D Wyatt CIO 40 X X X 207648 0 18302 C Lindauer VP 40 X X 179583 0 41423 K Kunze VP 40 X X 175485 0 39030 M Imo-Moffitt MLO 40 X 164964 0 38303 J Thacker Director 40 X 162227 0 38177 P Marz Auto Finance Representative 40 X 163129 0 28173 L Skube VP 40 X X 176174 0 13427 S Boyd III Auto Finance Representative 40 X 157301 0 27823 P Alsup Chief DE&I Officer 40 X X X 147221 0 1875 A Dierkes Board Member 0 X 1773 0 0 M Chapman Board Member 0 X 1662 0 0 C Klauke Board Member (Emeritus) 0 X 1504 0 0 R Kraus Board Member 0 X 1014 0 0 S Stobbs Board Member 0 X 664 0 0 T Jacobs Board Member 0 X 470 0 0 J Fugel Board Member 0 X 0 0 0 B Rickmann Board Member 0 X 0 0 0 C Laughlin Board Member 0 X 0 0 0 J Knapper Board Member 0 X 0 0 0 M Harris Board Member 0 X 0 0 0 B Tuffli Board Member 0 X 0 0 0 F Kuhn Board Member 0 X 0 0 0 J Mize Board Member 0 X 0 0 0 B Rickman Board Member 0 X 0 0 0 5030095 0 1794599 39 1 1 0 PSCU 560 Carillon Parkway Saint Petersburg FL 33716 Card Processing 4487859 L Keeley Construction Co 500 S Ewing Avernue Suite G Saint Louis MO 63103 Branch Construction 2102856 RSM 5155 Payshere Circle Chicago IL 60674 IT Consulting 2070998 VISA PO Box 8999 San Francisco CA 94128 Card services provider 1745332 NCR Corporation 864 Spring St NW Atlanta GA 30308 Online and Mobile Banking Service 1058679 61 0 Income from Loans 522130 77336341 77336341 0 0 Income from Fees 522130 26621253 26519511 101742 0 0 0 0 0 103957594 6301389 6301389 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 110258983 110157241 101742 0 6817607 6817607 0 0 21691047 21691047 0 0 1799321 1799321 0 0 7528288 7528288 0 0 1973933 1973933 0 0 638558 638558 0 0 420248 420248 0 0 348149 348149 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3567975 3567975 0 0 7222584 7222584 0 0 6646991 6646991 0 0 0 0 0 0 2828339 2828339 0 0 418084 418084 0 0 0 0 0 0 418084 418084 0 0 12950760 12950760 0 0 0 0 0 0 4112985 4112985 0 0 336688 336688 0 0 Provision for Loan Losses 4450000 4450000 0 0 Loan Servicing 7814006 7814006 0 0 ATM/ITM Expenses 833688 833688 0 0 9577067 9577067 0 0 102394402 102394402 0 0 7163965 10080561 2866124 2814068 0 0 7529127 23104430 5051597 6379508 0 0 1660999746 1930668697 0 0 19048157 23000920 85398202 36874048 47458425 48524154 520217515 358343103 0 0 0 0 0 0 40112142 43490666 2310446798 2446406107 19308490 23956610 0 0 1560268 1344267 0 0 0 0 0 0 34000000 139000000 0 0 2037673483 2091189722 2092542241 2255490599 X 0 0 0 0 217904557 190915508 217904557 190915508 2310446798 2446406107 7864581 -34853630 0 0 0 0 X 1 X 1 X 1 0 0 14457230 14457230 0 34016557 11134128 22882429 0 1254183 1097769 156414 0 24395020 19544583 4850437 0 11275212 5097568 6177644 48524154 0 Savings Accounts 509636549 IRA Accounts 108510226 Certificates of Deposit 297349206 Money Market Accounts 758392689 Checking Accounts 417301052 2091189722 110258983 0 0 0 0 0 110258983 0 0 0 110258983 102394402 0 0 0 0 0 102394402 0 0 0 102394402 X 1 1 X X X X 1 1 0 R McKay President/CEO 930151 0 0 0 10800 0 946795 0 20944 0 1908690 0 0 0 R Kampwerth CFO 385983 0 0 0 6480 0 92152 0 28079 0 512694 0 0 0 M Dougherty CLO 360025 0 0 0 6480 0 187294 0 19884 0 573683 0 0 0 C Trunko CPO 353593 0 0 0 9480 0 15684 0 25121 0 403878 0 0 0 T Kraus COO 351899 0 0 0 9480 0 19358 0 31010 0 411747 0 0 0 V Vernon MLO 230689 0 0 0 480 0 13841 0 0 0 245010 0 0 0 D Wyatt CIO 203328 0 0 0 4320 0 11631 0 6671 0 225950 0 0 0 J Boyer VP 220709 0 0 0 480 0 5732 0 34048 0 260969 0 0 0 P Sheahan VP 211417 0 0 0 480 0 12210 0 17206 0 241313 0 0 0 J Moran VP 194811 0 0 0 6480 0 19815 0 30260 0 251366 0 0 0 H Brandvein VP 198919 0 0 0 440 0 11962 0 16670 0 227991 0 0 0 C Lindauer VP 179583 0 0 0 0 0 11134 0 30289 0 221006 0 0 0 L Skube VP 176174 0 0 0 0 0 10677 0 2750 0 189601 0 0 0 K Kunze VP 175485 0 0 0 0 0 10770 0 28260 0 214515 0 0 0 M Imo-Moffitt MLO 164069 0 0 0 894 0 10043 0 28260 0 203266 0 0 0 P Marz Auto Finance Representative 151849 0 0 0 11280 0 9229 0 18944 0 191302 0 0 0 J Thacker Director 161267 0 0 0 960 0 9917 0 28260 0 200404 0 0 0 S Boyd III Auto Finance Representative 146021 0 0 0 11280 0 8878 0 18944 0 185123 0 0 0 P Alsup Chief DE&I Officer 9018 0 0 0 138203 0 1875 0 0 0 149096 0 0 0 Schedule J, Part I, Line 1a Board member spouse travel: M Chapman - $2,694; A Dierkes - $1,773; C Klauke - $1,504; R Kraus- $1,014; S Stobbs - $664;T Jacobs - $470 Schedule J, Part I, Line 4 Schedule J, Part I, question 4a - P Alsup, Severance - $138,203 Schedule J, Part I, question 4b - R McKay, Supplemental Retirement Plan Payout - $100,000 A Dierkes Board Member Mortgage X 173000 55711 0 1 1 A Dierkes Board Member Automobile X 6400 5912 0 1 1 A Dierkes Board Member Credit Card X 1 582 0 1 1 A Dierkes Board Member Credit Card X 1 1687 0 1 1 C Klauke Board Member Mortgage X 172000 132340 0 1 1 C Klauke Board Member Credit Card X 1 3425 0 1 1 C Klauke Board Member Automobile X 21632 16948 0 1 1 C Laughlin Board Member Mortgage X 36918 9136 0 1 1 J Fugel Board Member Credit Card X 1 1063 0 1 1 J Fugel Board Member Automobile X 12311 10947 0 1 1 J Moran Employee Mortgage X 212000 178694 0 1 1 J Moran Employee HELOC X 114000 71529 0 1 1 J Moran Employee Automobile X 84175 65679 0 1 1 J Moran Employee Credit Card X 1 3056 0 1 1 J Moran Employee Credit Card X 1 10284 0 1 1 J Moran Employee Automobile X 19500 19211 0 1 1 J Thacker Employee Mortgage X 180000 164307 1 0 0 J Thacker Employee Automobile X 30464 7533 0 1 1 J Thacker Employee Automobile X 41489 41489 0 1 1 J Boyer Employee Mortgage X 380000 365601 0 1 1 J Boyer Employee Automobile X 61060 50646 0 1 1 J Mize Board Member Mortgage X 652000 617175 0 1 1 J Mize Board Member Mortgage X 350212 306526 0 1 1 J Mize Board Member Automobile X 35557 21514 0 1 1 K Kunze Employee Mortgage X 340000 319540 0 1 1 K Kunze Employee Home Equity X 150000 149359 0 1 1 K Kunze Employee Credit Card X 1 6340 0 1 1 L Skube Employee Mortgage X 309000 284418 0 1 1 L Skube Employee Automobile X 6800 3295 0 1 1 L Skube Employee Credit Card X 1 7890 0 1 1 L Skube Employee Automobile X 82538 35716 0 1 1 M Harris Board Member Mortgage X 255848 244330 0 1 1 M Imo-Moffitt Employee Mortgage X 187800 164977 0 1 1 M Imo-Moffitt Employee Mortgage X 339500 282098 0 1 1 M Dougherty Employee Mortgage X 855000 767990 0 1 1 M Dougherty Employee HELOC X 40000 16000 0 1 1 M Chapman Board Member HELOC X 30000 8222 0 1 1 M Chapman Board Member Automobile X 29626 26253 0 1 1 M Chapman Board Member Credit Card X 1 10239 0 1 1 M Chapman Board Member Student Loan X 40301 48749 0 1 1 P Marz Employee Signature X 59700 52013 0 1 1 P Marz Employee Automobile X 50290 32952 0 1 1 P Sheahan Employee Credit Card X 1 1052 0 1 1 R McKay Employee Mortgage X 778300 576885 0 1 1 R McKay Employee Credit Card X 1 20806 0 1 1 S Boyd III Employee Automobile X 30834 20604 0 1 1 S Stobbs Board Member Mortgage X 85000 81663 0 1 1 S Stobbs Board Member HELOC X 23005 22955 0 1 1 S Stobbs Board Member Credit Card X 30000 74 0 1 1 T Kraus Employee Mortgage X 399600 370151 0 1 1 T Kraus Employee HELOC X 100000 19048 0 1 1 T Kraus Employee Automobile X 21969 20085 0 1 1 T Kraus Employee Credit Card X 1 30 0 1 1 T Kraus Employee Student Loan X 82771 83131 0 1 1 T Kraus Employee Automobile X 93127 70844 0 1 1 V Vernon Employee Mortgage X 229500 228089 0 1 1 V Vernon Employee Mortgage X 182750 100719 0 1 1 V Vernon Employee HELOC X 63722 51304 0 1 1 6288816 Form 990, Part VI, Section A, Line 6 The Credit Union has approximately 140,000 members Form 990, Part VI, Section A, Line 7a The Board of Directors are elected positions that are voted on by the general membership at the Annual Membership meeting. Form 990, Part VI, Section B, Line 11b The IRS Form 990 is completed and then review by Finance Leadership before submitting Form 990, Part VI, Section B, Line 12c Our internal auditors review on a regular basis for compliance with company policies and regulations as do the State and Federal examiners. Form 990, Part VI, Section B, Line 15 We have an independent third party review ALL job grades and job description to determine compensation and it is also compared to peer data from like size organizations. Process is completed annually. Form 990, Part VI, Section C, Line 19 The Form 990 is available to the public upon written request.