2021-11-04T18:57:05-07:00 2020-12-31 990 2020-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Lawrence Skube VP & Controller 3146579401 2021-09-17 1 11 0 AAL2 2020 2022-09-23 18:48:47Z Robert McKay 423 Lynch Street Saint Louis MO 63118 109407246 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 136,000 9 9 483 14 162865 5796 0 0 100809528 102149634 8263921 7257612 0 0 109073449 109407246 0 0 0 0 34046913 38415202 0 0 0 60509257 57165181 94556170 95580383 14517279 13826863 1825507133 2107521700 1637592474 1904270282 187914659 203251418 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 136,000 0 0 61347123 70221729 Loans to members 27892864 31927905 Service fees 6340396 7257612 Investments 0 0 0 95580383 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 1 483 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 0 X X X 809748 0 810314 M Dougherty CLO 40 0 X X X 340202 0 223214 R Kampwerth CFO 40 0 X X X 366885 0 143188 T Kraus COO 40 0 X X X 344740 0 37044 R Swanigan CIO 40 0 X X X 342558 0 34156 M Imo-Moffitt MLO 40 0 X 324977 0 31380 C Trunko CPO 40 0 X X X 266714 0 25011 A Thompson AVP 40 0 X 238033 0 52207 P Alsup Chief DE&I Officer 40 0 X X X 215463 0 56471 M Jackson VP 40 0 X 237061 0 32115 S Gardner MLO 40 0 X 216826 0 26342 H Brandvein VP 40 0 X X 210896 0 24875 P Sheahan VP 40 0 X 196019 0 23832 J Moran VP 40 0 X 177715 0 37822 J Dickerson MLO 40 0 X 169896 0 30047 D Hartmann VP 40 0 X 163803 0 29974 K Kunze VP 40 0 X 160823 0 29818 J Bruno VP 40 0 X 144455 0 30429 L Skube VP 40 0 X 164608 0 8122 C Klauke Board Member (Emeritus) 0 0 X 2833 0 0 S Stobbs Board Member 0 0 X 1096 0 0 B Rickmann Board Member 0 0 X 0 0 0 B Tuffli Board Member 0 0 X 0 0 0 M Chapman Board Member 0 0 X 0 0 0 J Fugel Board Member 0 0 X 0 0 0 J Knapper Board Member 0 0 X 0 0 0 M Harris Board Member 0 0 X 0 0 0 R Kraus Board Member 0 0 X 0 0 0 A Dierkes Board Member 0 0 X 0 0 0 5095351 0 1686361 45 1 1 0 WorldPay 601 Riverside Avenue Jacksonville FL 32204 Card Processing 4253167 Digital Insight 1300 Seaport Blvd Suite 300 Redwood City CA 94063 Online and Mobile Banking Services 1394753 Corelation Inc 2305 Historic Decatur Road Suite 300 San Diego CA 92106 Core Banking System 963354 UMR 11 Scott Street Wausau WI 54403 Insurance Claims Administrator 895741 NCR Corporation 864 Spring Street NW Atlanta GA 30308 ATM Machines and Maintenance 720560 31 0 Income from Loans 522130 70221729 70221729 0 0 Income from Fees 522130 31927905 31765040 162865 0 0 0 0 0 102149634 7257612 7257612 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 109407246 109244381 162865 0 6777785 23120980 1731186 4916899 1868352 793473 458679 286941 2303019 6157909 4813266 2575191 110969 110969 12611852 3330840 278210 Provision for Loan Losses 11502500 Loan Servicing 8532496 ATM/ITM Expenses 698997 Litigation Settlement Accrual 525000 2074870 95580383 0 0 0 6578880 9249009 6548766 542780 0 0 4258634 2936186 9999999 5395697 0 0 1520581682 1533136215 0 0 11357752 11747786 85665129 34596005 47017498 51069124 181830430 451679133 0 0 0 0 0 0 37333492 41765770 1825507133 2107521700 18046083 24403353 0 0 160780 171767 0 0 0 0 0 0 45000000 40000000 0 0 1574385611 1839695162 1637592474 1904270282 X 0 0 0 0 187914659 203251418 187914659 203251418 1825507133 2107521700 13826863 1509896 0 0 0 0 X 1 X 1 X 1 0 0 15807230 15807230 0 37484668 11865299 25619369 0 1254183 1027550 226633 0 22242333 17954067 4288266 0 8876715 3749089 5127626 51069124 0 Savings Accounts 415052069 IRA Accounts 122487385 Certificates of Deposit 284857177 Money Market Accounts 664730991 Checking Accounts 352567540 1839695162 109407246 0 0 0 0 0 109407246 0 0 0 109407246 95580383 0 0 0 0 0 95580383 0 0 0 95580383 X 1 1 X X X X 0 1 0 R McKay President/CEO 809747 0 0 0 0 0 778740 0 31574 0 1620061 0 0 0 M Dougherty CLO 340202 0 0 0 27408 0 195806 0 0 0 563416 0 0 0 R Kampwerth CFO 366885 0 0 0 56140 0 87048 0 0 0 510073 0 0 0 T Kraus COO 344740 0 0 0 37044 0 0 0 0 0 381784 0 0 0 R Swanigan CIO 342558 0 0 0 34156 0 0 0 0 0 376714 0 0 0 M Imo-Moffitt MLO 324977 0 0 0 31380 0 0 0 0 0 356357 0 0 0 C Trunko CPO 266714 0 0 0 25011 0 0 0 0 0 291725 0 0 0 A Thompson AVP 238033 0 0 0 52207 0 0 0 0 0 290240 0 0 0 P Alsup Chief DE&I Officer 215462 0 0 0 56471 0 0 0 0 0 271933 0 0 0 M Jackson VP 237061 0 0 0 32115 0 0 0 0 0 269176 0 0 0 S Gardner MLO 216826 0 0 0 26342 0 0 0 0 0 243168 0 0 0 H Brandvein VP 210896 0 0 0 24875 0 0 0 0 0 235771 0 0 0 P Sheahan VP 196019 0 0 0 23832 0 0 0 0 0 219851 0 0 0 J Moran VP 177715 0 0 0 37822 0 0 0 0 0 215537 0 0 0 J Dickerson MLO 169896 0 0 0 30047 0 0 0 0 0 199943 0 0 0 D Hartmann VP 163803 0 0 0 29974 0 0 0 0 0 193777 0 0 0 K Kunze VP 160823 0 0 0 29818 0 0 0 0 0 190641 0 0 0 J Bruno VP 144455 0 0 0 30429 0 0 0 0 0 174884 0 0 0 L Skube VP 164608 0 0 0 8122 0 0 0 0 0 172730 0 0 0 Schedule J, Part I, Line 1a Board Member spouse travel: C. Klauke - $2,833; S. Stobbs - $1,096 Schedule J, Part I, Line 4 Schedule J, Part I, Line 4 - R McKay, Supplemental Retirement Play Payout - $185,472 A Dierkes Board Member Mortgage X 173000 80420 0 1 1 A Dierkes Board Member Credit Card X 1 180 0 1 1 A Dierkes Board Member Credit Card X 5500 334 0 1 1 A Dierkes Board Member Credit Card X 3000 524 0 1 1 A Dierkes Board Member Credit Card X 8500 857 0 1 1 C Klauke Board Member (Emeritus) Credit Card X 172000 153028 0 1 1 C Klauke Board Member (Emeritus) Credit Card X 11000 2844 0 1 1 D Hartmann Employee Mortgage X 320000 272720 0 1 1 D Hartmann Employee Automobile X 63914 55435 0 1 1 D Hartmann Employee Student Loan X 37980 37994 0 1 1 D Hartmann Employee Credit Card X 20000 3802 0 1 1 H Brandvein Employee HEL X 151382 143372 0 1 1 J Fugel Board Member Credit Card X 24000 192 0 1 1 J Bruno Employee Mortgage X 122000 63265 0 1 1 J Bruno Employee HEL X 8000 1120 0 1 1 J Bruno Employee Automobile X 55404 39598 0 1 1 J Bruno Employee Credit Card X 20000 11892 0 1 1 J Bruno Employee Credit Card X 14500 14048 0 1 1 J Moran Employee Mortgage X 212000 204008 0 1 1 J Moran Employee HEL X 60000 15671 0 1 1 J Moran Employee Automobile X 32000 25123 0 1 1 J Moran Employee Automobile X 34478 31228 0 1 1 J Moran Employee Automobile X 17122 11781 0 1 1 J Moran Employee Credit Card X 1000 65 0 1 1 J Moran Employee Credit Card X 25000 8516 0 1 1 K Kunze Employee Mortgage X 340000 333070 0 1 1 K Kunze Employee HEL X 40000 39005 0 1 1 K Kunze Employee HEL X 19000 7232 0 1 1 K Kunze Employee Credit Card X 15000 1427 0 1 1 L Skube Employee Mortgage X 309000 300119 0 1 1 L Skube Employee Unsecured X 4127 4062 0 1 1 L Skube Employee Automobile X 20979 16918 0 1 1 L Skube Employee Automobile X 18059 16044 0 1 1 L Skube Employee Automobile X 30000 29564 0 1 1 L Skube Employee Automobile X 6800 6544 0 1 1 L Skube Employee Credit Card X 18000 13476 0 1 1 M Imo-Moffitt Employee Mortgage X 187800 186911 0 1 1 M Imo-Moffitt Employee Mortgage X 339500 317971 0 1 1 M Dougherty Employee Mortgage X 565000 518635 0 1 1 M Chapman Board Member Student Loan X 36821 40676 0 1 1 M Chapman Board Member Automobile X 15874 12109 0 1 1 M Chapman Board Member Credit Card X 22900 16966 0 1 1 M Jackson Employee Mortgage X 417100 407033 0 1 1 M Jackson Employee Automobile X 39910 16897 0 1 1 P Sheahan Employee Credit Card X 1000 814 0 1 1 P Alsup Employee Mortgage X 132000 132000 0 1 1 R Swanigan Employee Mortgage X 414000 407814 0 1 1 R Swanigan Employee Automobile X 58965 43761 0 1 1 R Swanigan Employee Automobile X 40163 22523 0 1 1 R McKay Employee Mortgage X 778300 652561 0 1 1 R McKay Employee Credit Card X 50000 4341 0 1 1 R Kampwerth Employee Mortgage X 172000 74315 0 1 1 R Kampwerth Employee Automobile X 20000 5858 0 1 1 R Kampwerth Employee Credit Card X 12000 4569 0 1 1 R Kampwerth Employee Credit Card X 1000 177 0 1 1 S Stobbs Board Member Mortgage X 102000 83947 0 1 1 S Stobbs Board Member HEL X 23005 22955 0 1 1 S Stobbs Board Member Credit Card X 30000 70 0 1 1 T Kraus Employee Mortgage X 399600 387758 0 1 1 T Kraus Employee Unsecured X 8418 8418 0 1 1 T Kraus Employee HEL X 10000 9274 0 1 1 T Kraus Employee Automobile X 7623 2442 0 1 1 T Kraus Employee Automobile X 14300 7430 0 1 1 T Kraus Employee Automobile X 14300 7430 0 1 1 T Kraus Employee Automobile X 31554 25551 0 1 1 T Kraus Employee Automobile X 28998 28998 0 1 1 T Kraus Employee Credit Card X 2000 15 0 1 1 5395697 Form 990, Part VI, Section A, Line 6 Form 990, Part VI, Section A, Line 6 - The Credit Union has approximately 136,000 members Form 990, Part VI, Section A, Line 7a 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 Form 990, Part VI, Section B, Line 11b - The IRS Form 990 is completed and then reviewed by two SVP's before submitting Form 990, Part VI, Section B, Line 12c 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 Form 990, Section VI, Section B, Line 15c - We have an independent third party review ALL job grades and job descriptions 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 Form 990, Part VI, Section C, Line 19 - The Form 990 is available to the public upon written request