VANTAGE CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: VANTAGE CREDIT UNION (EIN 43-0739854)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-03-29
IRS object ID: 201640899349300214
Schema version: 2015v2.1
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
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-03-29T11:15:53-05:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	431887384	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	STEPHEN LANG & ASSOCIATES LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	14323 S OUTER 40 STE N205	AddressLine1Txt
City	CHESTERFIELD	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63017	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	430739854	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	VANTAGE CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	VANT	BusinessNameControlTxt
Phone	3142980055	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1Txt
City	BRIDGETON	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	630442708	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	ERIC V ACREE	PersonNm
Person Title	PRESIDENT & CEO	PersonTitleTxt
Phone	3142980055	PhoneNum
Signature	2016-03-29	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
PTIN	P01203453	PTIN
Phone	3142058601	PhoneNum

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-09-27 15:27:22Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	ERIC V ACREE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1Txt
City	BRIDGETON	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	630442708	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$49,661,330	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.VCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1957	FormationYr
Legal Domicile State	MO	LegalDomicileStateCd
Activity Or Mission	ENHANCING YOUR LIFE, STRENGTHENING OUR COMMUNITY	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	399	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$48,185,557	PYProgramServiceRevenueAmt
CY Program Service Revenue	$48,898,347	CYProgramServiceRevenueAmt
PY Investment Income	$717,483	PYInvestmentIncomeAmt
CY Investment Income	$629,491	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$48,903,040	PYTotalRevenueAmt
CY Total Revenue	$49,527,838	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$20,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$19,259,563	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$19,848,954	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$26,172,911	PYOtherExpensesAmt
CY Other Expenses	$29,378,432	CYOtherExpensesAmt
PY Total Expenses	$45,432,474	PYTotalExpensesAmt
CY Total Expenses	$49,247,386	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,470,566	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$280,452	CYRevenuesLessExpensesAmt
Total Assets BOY	$735,795,509	TotalAssetsBOYAmt
Total Assets EOY	$782,378,088	TotalAssetsEOYAmt
Total Liabilities BOY	$676,450,037	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$723,148,344	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$59,345,472	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$59,229,744	NetAssetsOrFundBalancesEOYAmt
Mission	ENHANCING YOUR LIFE, STRENGTHENING OUR COMMUNITY	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 107,155 MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2015, THERE WERE 61,818 LOANS OUTSTANDING TOTALING $577,231,744.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,010,602 FOR THE YEAR.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	Yes (1)	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	17246	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	399	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	0	CompensationProcessCEOInd
Compensation Process Other	0	CompensationProcessOtherInd
Investment In Joint Venture	Yes (1)	InvestmentInJointVentureInd
Written Policy Or Procedure	Yes (1)	WrittenPolicyOrProcedureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DOUGLAS E RUCKMAN	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	3142980055	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1Txt
City	BRIDGETON	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	630442708	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
DR JERRY EICHHOLZ
CHAIRMAN	1.00	Yes (X)	$1,176	$0	$0
DR WILLIAM SOLOMON
VICE CHAIRMAN	1.00	Yes (X)	$6,834	$0	$0
MARK RUDOLPH
SECRETARY/TREASURER	1.00	Yes (X)	$2,383	$0	$0
DANIEL BOYLE
DIRECTOR	1.00	Yes (X)	$0	$0	$0
TONI MARTIN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
DR PAUL T ZIEGLER
DIRECTOR	1.00	Yes (X)	$5,038	$0	$0
ALLEN SMITH
DIRECTOR	1.00	Yes (X)	$0	$0	$0
DANIEL ISOM
DIRECTOR EMERITUS	1.00	Yes (X)	$0	$0	$0
ERIC V ACREE
PRESIDENT & CEO	40.00		$434,692	$0	$57,593	Yes (X)
DOUGLAS E RUCKMAN
EXECUTIVE VICE PRESIDENT	40.00		$203,141	$0	$39,204	Yes (X)
RANDAL T YECK
EXECUTIVE VICE PRESIDENT	40.00		$195,485	$0	$25,745	Yes (X)
JAMES M COCHRAN
EXECUTIVE VICE PRESIDENT	40.00		$185,853	$0	$24,060	Yes (X)
TOBY D RAGAINI
EXECUTIVE VICE PRESIDENT	40.00		$168,989	$0	$35,635	Yes (X)
DENISE M STEVENS
EXECUTIVE VICE PRESIDENT	40.00		$196,123	$0	$22,762	Yes (X)
CINDY A HARBISON
PRESIDENT/CEO, MEMBERS RESOURCE	40.00		$157,193	$0	$23,876	Yes (X)
JOHN M HOPKINS
VICE PRESIDENT	40.00		$127,202	$0	$32,081		Yes (X)
KATHLEEN J PALMER
VICE PRESIDENT	40.00		$116,938	$0	$31,148		Yes (X)
JOHN D OSBORN JR
DIRECTOR	40.00		$125,935	$0	$30,779		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,926,982	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$322,883	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	10	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$30,759,594	$30,759,594
FEES & OTHER INCOME	522100	$18,138,753	$18,138,753

Field	Value	IRS element (for citing)
Total Program Service Revenue	$48,898,347	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$693,213	TotalRevenueColumnAmt
Related Or Exempt Func Income	$693,213	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$69,770	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$133,492	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$63,722	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$63,722	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$63,722	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$49,527,838	TotalRevenueColumnAmt
Related Or Exempt Func Income	$49,527,838	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$20,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,785,782	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$10,855,619	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$3,141,453	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$3,043,123	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,022,977	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$112,782	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$142,516	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,352,428	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$805,071	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,956,003	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,778,625	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$2,440,293	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$106,165	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$152,752	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$79	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$2,517,225	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$522,783	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$6,107,848
LOAN SERVICING	$5,307,597
MEMBER DIVIDENDS	$3,010,602
OTHER LOSSES/CHARGEOFFS	$569,728

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$495,935	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$49,247,386	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$18,780,276	BOYAmt
EOY	$17,907,906	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$45,311,371	BOYAmt
EOY	$85,699,580	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$577,247,346	BOYAmt
EOY	$571,743,794	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$2,144,605	BOYAmt
EOY	$2,065,063	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$61,382,242	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$26,621,871	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$34,835,191	BOYAmt
EOY	$34,760,371	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$43,689,260	BOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$100,000	BOYAmt
EOY	$55,922,413	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$13,687,460	BOYAmt
EOY	$14,278,961	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$735,795,509	BOYAmt
EOY	$782,378,088	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$13,311,960	BOYAmt
EOY	$12,322,230	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$382,624	BOYAmt
EOY	$346,338	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$662,755,453	BOYAmt
EOY	$710,479,776	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$676,450,037	BOYAmt
EOY	$723,148,344	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

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	$59,345,472	BOYAmt
EOY	$59,229,744	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$59,345,472	BOYAmt
EOY	$59,229,744	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$735,795,509	BOYAmt
EOY	$782,378,088	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$280,452	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$10,855	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$385,325	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$1,585	PoliticalExpendituresAmt
Internal Funds Contributed	$1,585	InternalFundsContributedAmt
Total Exempt Function Expend	$1,585	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Paid Internal FundsPaidInternalFundsAmt
CUPAC OF MISSOURI
2055 CRAIGSHIRE DR	ST LOUIS	MO	631464009	431310069	$200
CUPAC IL-GEORGE G BURNETT CHAPTER
1807 W DIEHL RD	NAPERVILLE	IL	605667107	363092340	$1,385

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	CONTRIBUTIONS TO VARIOUS CREDIT UNION POLITICAL ACTION COMMITTEES (CUPAC) RELATED TO CUPAC SPONSORED FUNDRAISING EVENTS.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtcInd
Incl Escrow Custodial Acct Liab	Yes (1)	InclEscrowCustodialAcctLiabInd
Explanation Provided	Yes (X)	ExplanationProvidedInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$17,988,758	OtherCostOrOtherBasisAmt
Book Value	$17,988,758	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$21,797,947	OtherCostOrOtherBasisAmt
Depreciation	$9,760,781	DepreciationAmt
Book Value	$12,037,166	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,938,393	OtherCostOrOtherBasisAmt
Depreciation	$2,286,088	DepreciationAmt
Book Value	$652,305	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$18,657,144	OtherCostOrOtherBasisAmt
Depreciation	$14,575,002	DepreciationAmt
Book Value	$4,082,142	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$34,760,371	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (5 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
TECHATCHERY, LLC	$100,000	C
AFS-US TREASURY NOTES	$34,996,094	F
AFS-FEDERAL AGENCY SEC.	$3,840,900	F
HTM-FEDERAL AGENCY SEC.	$16,102,519	C
FHLB STOCK	$882,900	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$55,922,413	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER SHARE DEPOSITS	$702,440,109
PENSION PLAN LIABILITY - SFAS 158	$8,039,667

Field	Value	IRS element (for citing)
Total Liability	$710,479,776	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$49,540,371	TotalRevEtcAuditedFinclStmtAmt
Other Revenue	$13,026	OtherRevenueAmt
Revenue Not Reported	$13,026	RevenueNotReportedAmt
Revenue Subtotal	$49,527,345	RevenueSubtotalAmt
Other Revenues Not Included	$493	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$493	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$49,527,838	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$49,257,352	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	$10,459	OtherExpensesIncludedAmt
Expenses Not Reported	$10,459	ExpensesNotReportedAmt
Expenses Subtotal	$49,246,893	ExpensesSubtotalAmt
Other Expenses Not Included	$493	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$493	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$49,247,386	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART IV, LINE 2B:	THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. IN ADDITION, IN COORDINATION WITH ACCEL, THE CREDIT UNION PROVIDES MEMBERS WITH FREE FINANCIAL EDUCATION AND COUNSELING.
PART X, LINE 2:	THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES EXCEPT FOR CERTAIN PRODUCTS AND SERVICES WHICH HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS) TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE. AS PRESENTED IN TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES IS SUBJECT TO INCOME TAXES UNDER THE UNRELATED BUSINESS INCOME TAX (UBIT) REGULATIONS. IN MANAGEMENT'S OPINION, THE CREDIT UNION HAS NO UNRELATED BUSINESS INCOME AND NO ACCRUAL HAS BEEN RECORDED. TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, THE ESTIMATED LIABILITY FOR ANY POTENTIAL TAX ASSESSMENT WOULD NOT HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS.
PART XI, LINE 2D - OTHER ADJUSTMENTS:	TECHATCHERY, LLC - TOTAL INCOME 11,284. TECHATCHERY, LLC - PRIOR PERIOD ADJUSTMENT 1,742.
PART XI, LINE 4B - OTHER ADJUSTMENTS:	INTERCOMPANY INTEREST INCOME 493.
PART XII, LINE 2D - OTHER ADJUSTMENTS:	TECHATCHERY, LLC - TOTAL EXPENSES 10,459.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	INERCOMPANY DIVIDEND EXPENSE 493.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	$1,000 NON-RENEWABLE SCHOLARSHIPS WERE AWARDED TO TWENTY VCU MEMBERS GRADUATING FROM HIGH SCHOOL	GrantTypeTxt
Recipient	20	RecipientCnt
Cash Grant	$20,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE "QUEST FOR EDUCATION" SCHOLARSHIP PROGRAM AWARDS TWENTY NON-RENEWABLE $1,000 SCHOLARSHIPS TO GRADUATING HIGH SCHOOL SENIORS. TO BE ELIGIBLE, ENTRANTS MUST BE A VANTAGE PRIMARY ACCOUNT HOLDER AND SUBMIT A COMPLETED APPLICATION. APPLICATIONS ARE JUDGED BY A COMMITTEE OF VANTAGE CREDIT UNION VOLUNTEERS, MEMBERS AND EMPLOYEES. FUNDS ARE DISTRIBUTED DIRECTLY TO THE RECIPIENTS' CHOSEN ACCREDITED COLLEGE OR UNIVERSITY AT THE TIME OF FALL REGISTRATION AND CAN BE USED FOR BOOKS AND TUITION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (9 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
ERIC V ACREE
PRESIDENT & CEO	$340,192	$0	$94,500	$0	$0	$0	$36,737	$0	$20,856	$0	$492,285	$0	$0	$0
DOUGLAS E RUCKMAN
EXECUTIVE VICE PRESIDENT	$161,141	$0	$42,000	$0	$0	$0	$18,153	$0	$21,051	$0	$242,345	$0	$0	$0
RANDAL T YECK
EXECUTIVE VICE PRESIDENT	$154,989	$0	$40,496	$0	$0	$0	$17,057	$0	$8,688	$0	$221,230	$0	$0	$0
JAMES M COCHRAN
EXECUTIVE VICE PRESIDENT	$144,633	$0	$38,220	$0	$3,000	$0	$16,284	$0	$7,776	$0	$209,913	$0	$0	$0
TOBY D RAGAINI
EXECUTIVE VICE PRESIDENT	$139,788	$0	$29,201	$0	$0	$0	$15,240	$0	$20,395	$0	$204,624	$0	$0	$0
DENISE M STEVENS
EXECUTIVE VICE PRESIDENT	$150,448	$0	$45,675	$0	$0	$0	$10,729	$0	$12,033	$0	$218,885	$0	$0	$0
CINDY A HARBISON
PRESIDENT/CEO, MEMBERS RESOURCE	$140,787	$0	$9,806	$0	$6,600	$0	$15,587	$0	$8,289	$0	$181,069	$0	$0	$0
JOHN M HOPKINS
VICE PRESIDENT	$105,169	$0	$22,033	$0	$0	$0	$11,733	$0	$20,348	$0	$159,283	$0	$0	$0
JOHN D OSBORN JR
DIRECTOR	$104,268	$0	$21,667	$0	$0	$0	$10,427	$0	$20,352	$0	$156,714	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	THE CREDIT UNION PROVIDED TRAVEL FOR COMPANIONS OF THE FOLLOWING BOARD MEMBERS: DR. JERRY EICHHOLZ, CHAIRMAN - $1,176 DR. WILLIAM SOLOMON, VICE CHAIRMAN - $6,834 MARK RUDOLPH, SECRETARY/TREASURER - $2,383 DR. PAUL ZIEGLER, DIRECTOR - $5,038 APPLICABLE FORMS 1099-MISC WERE FILED AS REQUIRED.
PART I, LINE 3	THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION WITH THE ASSISTANCE OF AN INDEPENDENT CONSULTANT AND PURSUANT TO A SIGNED EMPLOYMENT CONTRACT. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
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	SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS 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 11	AN OUTSIDE ACCOUNTING FIRM PREPARES THE FORM 990 BASED ON DATA PROVIDED BY CREDIT UNION MANAGEMENT. UPON COMPLETION, IT IS REVIEWED BY MEMBERS OF SENIOR MANAGEMENT PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	ON AN ANNUAL BASIS, THE PRESIDENT AND ALL DIRECTORS, COMMITTEE MEMBERS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION WITH THE ASSISTANCE OF AN INDEPENDENT CONSULTANT AND PURSUANT TO A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE 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.
FORM 990, PART XI, LINE 9:	PENSION LIABILITY ADJUSTMENT -385,325.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	MEMBERS RESOURCES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1Txt
City	BRIDGETON	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63044	ZIPCd

Field	Value	IRS element (for citing)
EIN	274479158	EIN
Primary Activities	CREDIT UNION SERVICE ORGANIZATION PROVIDING MORTGAGE AND INSURANCE SERVICES	PrimaryActivitiesTxt
Legal Domicile State	MO	LegalDomicileStateCd
Total Income	$1,252,965	TotalIncomeAmt
End Of Year Assets	$5,263,883	EndOfYearAssetsAmt

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	TECHATCHERY LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1Txt
City	BRIDGETON	CityNm
State Abbreviation	MO	StateAbbreviationCd
ZIP	63044	ZIPCd

Field	Value	IRS element (for citing)
EIN	272789465	EIN
Primary Activities	CREDIT UNION SERVICE ORGANIZATION PROVIDING IT SOFTWARE SERVICES	PrimaryActivitiesTxt
Legal Domicile State	MO	LegalDomicileStateCd
Entity Type	C	EntityTypeTxt
Share Of Total Income	$11,284	ShareOfTotalIncomeAmt
Share Of EOY Assets	$112,436	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	0	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	0	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	0	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd