2015-08-14T13:54:10-05:00 2014-12-31 431592217 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 66061 990 2014-01-01 440357634 MISSOURI CENTRAL CREDIT UNION MISS 8162460002 825 NE DEERBROOK PO BOX 6617 LEES SUMMIT MO 640646617 GLENNA OSBORN PRESIDENT 8162460002 2015-08-14 1 P00638199 9138946214 2014 2016-04-25 22:37:26Z GLENNA OSBORN 825 NE DEERBROOK LEES SUMMIT MO 64086 1834737 0 X WWW.MOCENTRAL.ORG X 1931 MO TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. 7 7 26 12 6395 -13171 0 0 1627571 1599208 179846 219960 15295 14569 1822712 1833737 0 0 0 0 779721 744150 0 0 0 957278 1007409 1736999 1751559 85713 82178 42177419 43750317 36792616 38283336 5384803 5466981 TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 8,510 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2014, THERE WERE 2,324 LOANS OUTSTANDING TOTALING $19,454,821. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $67,073. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 952 0 1 26 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 0 0 X GLENNA OSBORN 8162460002 825 NE DEERBROOK LEES SUMMIT MO 64086 JOHN TOM LOVELL JR CHAIRPERSON 1.00 X 0 0 0 DOUGLAS J HERMES VICE CHAIRPERSON 1.00 X 0 0 0 MICHAEL P HORTON SECRETARY/TREASURER 1.00 X 0 0 0 LEONARD E STONESTREET BOARD MEMBER 1.00 X 0 0 0 JOANNE L THIES BOARD MEMBER 1.00 X 0 0 0 JACQUELINE A FAIRBANKS BOARD MEMBER 1.00 X 0 0 0 MARK SCHAUFLER BOARD MEMBER 1.00 X 0 0 0 GLENNA OSBORN PRESIDENT 40.00 X 103341 0 18133 TOM LOFTUS VICE PRESIDENT & COO 40.00 X 74438 0 13991 WILLIAM TRENCHARD VICE PRESIDENT & CFO 40.00 X 62526 0 17560 240305 0 49684 1 0 0 0 0 INTEREST ON LOANS 522100 1034482 1034482 FEES & OTHER INCOME 522100 558331 558331 INSURANCE SERVICES 522100 3145 3145 NON-MEMBER ATM FEES 522100 2950 2950 WARRANTY SALES 522100 300 300 1599208 219460 219460 14569 14569 1500 1000 500 500 500 1833737 1827342 6395 0 289989 332304 27182 49001 45674 1232 27958 48245 88036 271338 108113 71821 3776 28 68941 30908 LOAN SERVICING 96993 PROVISION FOR LOAN LOSS 72267 MEMBER DIVIDENDS 67073 ASSOCIATION DUES 30489 20191 1751559 421155 345199 22061577 21154570 18187012 19366396 64032 92019 2154073 1139844 976879 1014229 466764 1777904 42177419 43750317 132143 254897 36660473 38028439 36792616 38283336 X 0 0 0 0 5384803 5466981 5384803 5466981 42177419 43750317 82178 0 X 0 0 0 250195 250195 1360573 718212 642361 543305 421632 121673 1014229 MEMBER SHARE DEPOSITS 38028439 38028439 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 AND MERGERS 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 THE CFO SUBMITS INFORMATION TO THE OUTSIDE ACCOUNTING FIRM PREPARING THE RETURN. THE RESPONSIBLITY FOR REVIEWING THE 990 IS DELEGATED TO THE PRESIDENT, WHO IN TURN, REVIEWS DETAILS WITH THE CFO BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C ON AN ANNUAL BASIS, ALL OFFICERS, 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 15A THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION USING VARIOUS INFORMATION, INCLUDING SALARY SURVEYS OF SIMILAR SIZE INSTITUTIONS. ALL OTHER COMPENSATION IS DETERMINED BY THE PRESIDENT AND PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE LOBBY, 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.