VANTAGE CREDIT UNION: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: VANTAGE CREDIT UNION (EIN 43-0739854)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-06-26
IRS object ID: 201331779349300528
Schema version: 2012v2.1
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 J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-06-26T12:00:49-05:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Field	Value	IRS element (for citing)
EIN	431887384	EIN

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	STEPHEN LANG & ASSOCIATES LLC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	14323 S OUTER 40 STE N205	AddressLine1
City	CHESTERFIELD	City
State	MO	State
ZIP Code	63017	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	430739854	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	VANTAGE CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	VANT	NameControl
Phone	3142980055	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1
City	BRIDGETON	City
State	MO	State
ZIP Code	63044	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	ERIC V ACREE	Name
Title	INTERIM PRESIDENT-CEO	Title
Phone	3142980055	Phone
Date Signed	2013-06-26	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

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

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	ERIC V ACREE	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1
City	BRIDGETON	City
State	MO	State
ZIP Code	63044	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	100787872	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.VCU.COM	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1957	YearFormation
State Legal Domicile	MO	StateLegalDomicile
Activity Or Mission Description	WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	362	TotalNbrEmployees
Total Nbr Volunteers	12	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	45354487	ProgramServiceRevenuePriorYear
Program Service Revenue CY	45389929	ProgramServiceRevenueCY
Investment Income Prior Year	929248	InvestmentIncomePriorYear
Investment Income Current Year	1154643	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	46283735	TotalRevenuePriorYear
Total Revenue Current Year	46544572	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	15915268	SalariesEtcPriorYear
Salaries Etc Current Year	16723312	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	30930123	OtherExpensePriorYear
Other Expenses Current Year	28724290	OtherExpensesCurrentYear
Total Expenses Prior Year	46845391	TotalExpensesPriorYear
Total Expenses Current Year	45447602	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-561656	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	1096970	RevenuesLessExpensesCY
Total Assets BOY	673355813	TotalAssetsBOY
Total Assets EOY	701925466	TotalAssetsEOY
Total Liabilities BOY	613023225	TotalLiabilitiesBOY
Total Liabilities EOY	643540380	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	60332588	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	58385086	NetAssetsOrFundBalancesEOY
Mission Description	WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Description	PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 99,620 MEMBERS.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 54,377 LOANS OUTSTANDING TOTALING $465,252,749.	Description

Activity3 Activity3

Field	Value	IRS element (for citing)
Description	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,192,317 FOR THE YEAR.	Description

Field	Value	IRS element (for citing)
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	1	PoliticalActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	1	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	1	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	0	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	1	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	16957	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	362	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	0	UnrelatedBusinessIncome
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	1	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	DOUGLAS E RUCKMAN	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	3142980055	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	4020 FEE FEE ROAD	AddressLine1
City	BRIDGETON	City
State	MO	State
ZIP Code	63044	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (13 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
DR JERRY EICHHOLZ
CHAIRMAN	1.00	X	777	0	0
DR WILLIAM SOLOMON
VICE CHAIRMAN	1.00	X	0	0	0
MARK RUDOLPH
SECRETARY/TREASURER	1.00	X	0	0	0
DANIEL BOYLE
DIRECTOR	1.00	X	0	0	0
DANIEL ISOM
DIRECTOR	1.00	X	0	0	0
CHITONYA TONI MARTIN
DIRECTOR	1.00	X	0	0	0
DR PAUL ZIEGLER
DIRECTOR	1.00	X	720	0	0
HUBERT H HOOSMAN JR
PRESIDENT - CEO	40.00		303269	0	52606	X
ERIC V ACREE
EXECUTIVE VICE PRESIDENT	40.00		185559	0	38338	X
DOUGLAS E RUCKMAN
EXECUTIVE VICE PRESIDENT-CFO	40.00		144502	0	33970	X
RANDAL T YECK
EXECUTIVE VICE PRESIDENT	40.00		138649	0	26398	X
CAMERON MINGES
EXECUTIVE VICE PRESIDENT	40.00		145184	0	32736	X
CINDY A HARBISON
PRESIDENT-CEO CUSO OPERATIONS	40.00		151163	0	17682	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1069823	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	201730	TotalOtherCompensation
Number Individuals GT100 K	7	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources
Number Of Contractors GT100 K	0	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (2 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
INTEREST ON LOANS	522100	27641046	27641046
FEES & OTHER INCOME	522100	17748883	17748883

Field	Value	IRS element (for citing)
Total Program Service Revenue	45389929	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	937553	TotalRevenueColumn
Related Or Exempt Function Income	937553	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	54228948	Securities
Other	231442	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	53929448	Securities
Other	313852	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	299500	Securities
Other	-82410	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	217090	TotalRevenueColumn
Related Or Exempt Function Income	217090	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	46544572	TotalRevenueColumn
Related Or Exempt Function Income	46544572	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1271553	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	10447850	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	1663205	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	2456117	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	884587	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	238336	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	119449	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	724426	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1035996	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2455417	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	2418586	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2240483	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	115393	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	99949	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	713314	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2577566	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	374362	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	4432749
LOAN SERVICING	4407042
MEMBER DIVIDENDS	3192317
NCUSIF ASSESSMENTS	580535

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	2998370	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	45447602	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	17849613	BOY
EOY	18581557	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	75456849	BOY
EOY	102775994	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	439811906	BOY
EOY	458611914	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	1485639	BOY
EOY	1404419	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	57600555	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	24765488	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	32841977	BOY
EOY	32835067	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	85801708	BOY
EOY	72525797	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	20108121	BOY
EOY	15190718	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	673355813	BOY
EOY	701925466	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	12674954	BOY
EOY	14569376	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	370669	BOY
EOY	341302	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	16006885	BOY
EOY	14868897	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	583970717	BOY
EOY	613760805	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	613023225	BOY
EOY	643540380	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	60332588	BOY
EOY	58385086	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	60332588	BOY
EOY	58385086	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	673355813	BOY
EOY	701925466	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	1096970	ReconcilationRevenueExpenses
Reconciliation Unrealized Invest	-309547	ReconciliationUnrealizedInvest
Reconcilation Other Changes	-2734925	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Consolidated	X	FinancialStatementConsolidated

Field	Value	IRS element (for citing)
Audit Committee	1	AuditCommittee
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	1285	PoliticalExpenditures
Amt Expended For527 Activities	1285	AmtExpendedFor527Activities
Total Exmpt Function Expenditures	1285	TotalExmptFunctionExpenditures
Form1120 Pol Filed	1	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs (2 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Amt Pd From Internal FundsAmtPdFromInternalFunds
CUPAC OF MISSOURI
2055 CRAIGSHIRE DR	ST LOUIS	MO	631464009	431310069	175
CUPAC IL (BURNETT CHAPTER)
1807 W DIEHL RD	NAPERVILLE	IL	605667107	363092340	1110

Form990 Schedule C Part IV Form990ScheduleCPartIV

Field	Value	IRS element (for citing)
Identifier	ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES:	Identifier
Return Reference	PART I-A, LINE 1:	ReturnReference
Explanation	CONTRIBUTIONS TO VARIOUS CREDIT UNION POLITICAL ACTION COMMITTEES (CUPAC) RELATED TO CUPAC SPONSORED FUNDRAISING EVENTS.	Explanation

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtc
Included On FS	1	IncludedOnFS
Explanation In Part XIII	X	ExplanationInPartXIII

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	17988758	OtherCostOrOtherBasis
Book Value	17988758	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	19702918	OtherCostOrOtherBasis
Depreciation	8096914	Depreciation
Book Value	11606004	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2181766	OtherCostOrOtherBasis
Depreciation	2013297	Depreciation
Book Value	168469	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	17727113	OtherCostOrOtherBasis
Depreciation	14655277	Depreciation
Book Value	3071836	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	32835067	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
MEMBER SHARE DEPOSITS	$610,154,082
PENSION PLAN LIABILITY - SFAS 158	$3,606,723

Field	Value	IRS element (for citing)
Total Of Amounts	613760805	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII
Tot Revenue Etc Audited Fincl Stmt	46544572	TotRevenueEtcAuditedFinclStmt
Revenue Not Rptd F990	0	RevenueNotRptdF990
Revenue Subtotal	46544572	RevenueSubtotal
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	46544572	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	45447602	TotExpensesEtcAuditedFinclStmt
Expenses Not Rptd F990	0	ExpensesNotRptdF990
Expenses Subtotal	45447602	ExpensesSubtotal
Expenses Not Rptd On Fin Stmt	0	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	45447602	TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII (2 entries)

Return ReferenceReturnReference	ExplanationExplanation	IdentifierIdentifier
PART IV, LINE 2B:	THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
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.	DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Written Employment Contract	X	WrittenEmploymentContract
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (6 entries)

TitleTitle	Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
HUBERT H HOOSMAN JR
PRESIDENT - CEO	295669	0	0	0	7600	0	32545	0	20061	0	355875	0	0	0
ERIC V ACREE
EXECUTIVE VICE PRESIDENT	185559	0	0	0	0	0	20439	0	17899	0	223897	0	0	0
DOUGLAS E RUCKMAN
EXECUTIVE VICE PRESIDENT-CFO	144502	0	0	0	0	0	15919	0	18051	0	178472	0	0	0
RANDAL T YECK
EXECUTIVE VICE PRESIDENT	138649	0	0	0	0	0	15264	0	11134	0	165047	0	0	0
CAMERON MINGES
EXECUTIVE VICE PRESIDENT	145184	0	0	0	0	0	15970	0	16766	0	177920	0	0	0
CINDY A HARBISON
PRESIDENT-CEO CUSO OPERATIONS	144563	0	0	0	6600	0	15891	0	1791	0	168845	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

Return ReferenceReturnReference	ExplanationExplanation
PART I, LINE 1A	THE CREDIT UNION PROVIDED TRAVEL FOR COMPANIONS OF THE FOLLOWING BOARD MEMBERS: DR. JERRY EICHHOLZ, CHAIRMAN - $777 DR. WILLIAM SOLOMON, VICE CHAIRMAN - $463 DR. PAUL ZIEGLER, DIRECTOR - $720 APPLICABLE AMOUNTS WERE TREATED AS TAXABLE COMPENSATION AND FORMS 1099-MISC WERE FILED AS REQUIRED.
PART I, LINE 3	THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT-CEO'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

Return ReferenceReturnReference	ExplanationExplanation	IdentifierIdentifier
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 BOARD OF DIRECTORS REVIEWS THE PRESIDENT'S PERFORMANCE AND DETERMINES COMPENSATION BASED ON 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 -2,734,925.	CHANGES IN NET ASSETS OR FUND BALANCES:

Schedule R IRS990ScheduleR

Form990 Schedule R Part I Form990ScheduleRPartI (2 entries)

Address Line1AddressUS/AddressLine1	CityAddressUS/City	StateAddressUS/State	ZIP CodeAddressUS/ZIPCode	EINEIN	Primary ActivitiesPrimaryActivities	Legal Domicile StateLegalDomicileState	Total IncomeTotalIncome	EOY AssetsEOYAssets
MEMBERS RESOURCES LLC
4020 FEE FEE ROAD	BRIDGETON	MO	63044	274479158	CREDIT UNION SERVICE ORGANIZATION PROVIDING MORTGAGE AND INSURANCE SERVICES	MO	1577470	5924319
TECHATCHERY LLC
4020 FEE FEE ROAD	BRIDGETON	MO	63044	272789465	CREDIT UNION SERVICE ORGANIZATION PROVIDING SOFTWARE SERVICES	MO	4	3880