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    <Timestamp>2013-07-18T08:44:00-05:00</Timestamp>
    <TaxPeriodEndDate>2012-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2012-01-01</TaxPeriodBeginDate>
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      <Name>
        <BusinessNameLine1>KANSAS CITY P&amp;G EMPLOYEE CREDIT UNION</BusinessNameLine1>
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      <NameControl>KANS</NameControl>
      <USAddress>
        <AddressLine1>1900 KANSAS AVENUE</AddressLine1>
        <City>KANSAS CITY</City>
        <State>KS</State>
        <ZIPCode>66105</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>MAUREEN BRESHEARS</Name>
      <Title>MANAGER</Title>
      <DateSigned>2013-05-22</DateSigned>
    </Officer>
    <TaxYear>2012</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
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      <CreditCounseling>false</CreditCounseling>
      <TermOrPermanentEndowments>false</TermOrPermanentEndowments>
      <ReportLandBldgEquip>false</ReportLandBldgEquip>
      <ReportInvestOthSecurities>false</ReportInvestOthSecurities>
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      <ReportOtherAssets>false</ReportOtherAssets>
      <ReportOtherLiabilities>true</ReportOtherLiabilities>
      <ReportFin48Footnote>false</ReportFin48Footnote>
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      <School>false</School>
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      <Gaming>false</Gaming>
      <Hospital>false</Hospital>
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      <PartialLiquidation>false</PartialLiquidation>
      <DisregardedEntity>false</DisregardedEntity>
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      <TransactionRelatedEntity>false</TransactionRelatedEntity>
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      <ForeignFinancialAccount>false</ForeignFinancialAccount>
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      <FamilyOrBusinessRelationship>false</FamilyOrBusinessRelationship>
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      <ChangesToOrganizingDocs>false</ChangesToOrganizingDocs>
      <MaterialDiversionOrMisuse>false</MaterialDiversionOrMisuse>
      <MembersOrStockholders>true</MembersOrStockholders>
      <ElectionOfBoardMembers>true</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>false</DecisionsSubjectToApproval>
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      <OfficerMailingAddress>false</OfficerMailingAddress>
      <LocalChapters>false</LocalChapters>
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      <ConflictOfInterestPolicy>true</ConflictOfInterestPolicy>
      <AnnualDisclosureCoveredPersons>true</AnnualDisclosureCoveredPersons>
      <RegularMonitoringEnforcement>true</RegularMonitoringEnforcement>
      <WhistleblowerPolicy>true</WhistleblowerPolicy>
      <DocumentRetentionPolicy>true</DocumentRetentionPolicy>
      <CompensationProcessCEO>true</CompensationProcessCEO>
      <CompensationProcessOther>false</CompensationProcessOther>
      <InvestmentInJointVenture>false</InvestmentInJointVenture>
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        <NamePerson>MAUREEN BRESHEARS</NamePerson>
        <TelephoneNumber>9135730441</TelephoneNumber>
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          <AddressLine1>1900 KANSAS AVENUE</AddressLine1>
          <City>KANSAS CITY</City>
          <State>KS</State>
          <ZIPCode>66105</ZIPCode>
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        <NamePerson>MAUREEN BRESHEARS</NamePerson>
        <Title>MANAGER</Title>
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        <HighestCompensatedEmployee>X</HighestCompensatedEmployee>
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      <FormersListed>false</FormersListed>
      <TotalCompGT150K>false</TotalCompGT150K>
      <CompensationFromOtherSources>false</CompensationFromOtherSources>
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        </NameOfContractor>
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        <Description>FEES AND CHARGES</Description>
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        <Description>OPERATING INCOME MISC.</Description>
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      </OtherSalariesAndWages>
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      <PayrollTaxes>
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      </PayrollTaxes>
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      <Advertising>
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      </Advertising>
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      <InformationTechnology>
        <Total>19623</Total>
      </InformationTechnology>
      <ConferencesMeetings>
        <Total>1980</Total>
      </ConferencesMeetings>
      <OtherExpenses>
        <Description>ASSOCIATION DUES</Description>
        <Total>4704</Total>
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      <OtherExpenses>
        <Description>NCUA IMPAREMENT</Description>
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        <EOY>108365</EOY>
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        <EOY>4118660</EOY>
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        <EOY>3205</EOY>
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        <Description>SHARES</Description>
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      <OtherLiabilities>
        <Description>ADDDITIONAL SHARES</Description>
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      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE DRAFTS</Description>
        <Amount>199013</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>IRAS</Description>
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      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE CERTIFICATES</Description>
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        <NamePerson>MAUREEN BRESHEARS</NamePerson>
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      <LoanTable>
        <NamePerson>WILLIAM STOKER</NamePerson>
        <RelationshipWithOrganization>BOARD PRESIDENT</RelationshipWithOrganization>
        <LoanFromOrganization>X</LoanFromOrganization>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <LoanTable>
        <NamePerson>JUDY MASTERSON</NamePerson>
        <RelationshipWithOrganization>BOARD MEMBER</RelationshipWithOrganization>
        <LoanFromOrganization>X</LoanFromOrganization>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>EVA GRAUBERGER</NamePerson>
        <RelationshipWithOrganization>BOARD SECRETARY</RelationshipWithOrganization>
        <LoanFromOrganization>X</LoanFromOrganization>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>JAMES BABCOCK</NamePerson>
        <RelationshipWithOrganization>CREDIT COMMITTEE MEMBER</RelationshipWithOrganization>
        <LoanFromOrganization>X</LoanFromOrganization>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <LoanTable>
        <NamePerson>KELLY DAVIS</NamePerson>
        <RelationshipWithOrganization>CREDIT COMMITTEE MEMBER</RelationshipWithOrganization>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <LoanTable>
        <NamePerson>JEREMY REICHARD</NamePerson>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <LoanTable>
        <NamePerson>MICHAEL CUMMINGS</NamePerson>
        <RelationshipWithOrganization>SUPERVISORY COMMITTEE MEMBER</RelationshipWithOrganization>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
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      <LoanTable>
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        <RelationshipWithOrganization>SUPERVISORY COMMITTEE MEMBER</RelationshipWithOrganization>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
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      <LoanTable>
        <NamePerson>BARBARA MARLIN</NamePerson>
        <RelationshipWithOrganization>SUPERVISORY COMMITTEE MEMBER</RelationshipWithOrganization>
        <LoanFromOrganization>X</LoanFromOrganization>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <LoanTable>
        <NamePerson>RAYMOND HORTON</NamePerson>
        <RelationshipWithOrganization>SUPERVISORY COMMITTEE MEMBER</RelationshipWithOrganization>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <GeneralExplanation>
        <Explanation>PART VI SECTION B 12C- AFTER ANNUAL ELECTIONS CONFLICT OF INTEREST FORMS ARE COMPLETED BY COMPLETED BY COMITTEE MEMBERS AND NEWLY ELECTED BOARD MEMBERS. PART VI SECTION A 6- ALL ACCOUNT HOLDERS ARE VOTING MEMBERS OF THE CREDIT UNION. PART VI SECTION 7- THE CREDIT UNION IS HOLDS ANNUAL ELECTIONS FOR BOARD AND COMMITTEE VOLUNTEERS AND EACH OFFICIAL SERVES A 3 YR TERM. PART VI SECTION B 15B- ALL SALARIES ARE REVIEWED AND APPROVED BY THE BOARD AND RECORDED IN THE MINUTES. PART VI SECTION C 19- THE CREDIT UNION IS OPEN TO ACCESS BY ANY NON-MEMBER TO REVIEW GOVERNING DOCUMENTS. THAT INCLUDES ALL POLICIES AND FINANCIAL STATEMENTS.</Explanation>
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