2013-06-26T12:00:49-05:00 2012-12-31 431887384 STEPHEN LANG & ASSOCIATES LLC 14323 S OUTER 40 STE N205 CHESTERFIELD MO 63017 990 2012-01-01 430739854 VANTAGE CREDIT UNION VANT 3142980055 4020 FEE FEE ROAD BRIDGETON MO 63044 ERIC V ACREE 3142980055 2013-06-26 1 P01203453 3142058601 2012 2016-03-07 17:11:31Z ERIC V ACREE 4020 FEE FEE ROAD BRIDGETON MO 63044 100787872 0 X WWW.VCU.COM X 1957 MO WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS. 7 7 362 12 0 0 0 0 45354487 45389929 929248 1154643 0 0 46283735 46544572 0 0 0 0 15915268 16723312 0 0 0 30930123 28724290 46845391 45447602 -561656 1096970 673355813 701925466 613023225 643540380 60332588 58385086 WE ARE COMMITTED TO PROVIDING SUPERIOR SERVICE AND VALUE TO OUR MEMBER-OWNERS. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 99,620 MEMBERS. 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. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $3,192,317 FOR THE YEAR. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 16957 0 1 362 1 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X DOUGLAS E RUCKMAN 3142980055 4020 FEE FEE ROAD BRIDGETON MO 63044 DR JERRY EICHHOLZ 1.00 X 777 0 0 DR WILLIAM SOLOMON 1.00 X 0 0 0 MARK RUDOLPH 1.00 X 0 0 0 DANIEL BOYLE 1.00 X 0 0 0 DANIEL ISOM 1.00 X 0 0 0 CHITONYA TONI MARTIN 1.00 X 0 0 0 DR PAUL ZIEGLER 1.00 X 720 0 0 HUBERT H HOOSMAN JR 40.00 X 303269 0 52606 ERIC V ACREE 40.00 X 185559 0 38338 DOUGLAS E RUCKMAN 40.00 X 144502 0 33970 RANDAL T YECK 40.00 X 138649 0 26398 CAMERON MINGES 40.00 X 145184 0 32736 CINDY A HARBISON 40.00 X 151163 0 17682 1069823 0 201730 7 0 1 0 0 INTEREST ON LOANS 522100 27641046 27641046 FEES & OTHER INCOME 522100 17748883 17748883 45389929 937553 937553 54228948 231442 53929448 313852 299500 -82410 217090 217090 46544572 46544572 0 0 1271553 10447850 1663205 2456117 884587 238336 119449 724426 1035996 2455417 2418586 2240483 115393 99949 713314 2577566 374362 PROVISION FOR LOAN LOSS 4432749 LOAN SERVICING 4407042 MEMBER DIVIDENDS 3192317 NCUSIF ASSESSMENTS 580535 2998370 45447602 17849613 18581557 75456849 102775994 439811906 458611914 1485639 1404419 57600555 24765488 32841977 32835067 85801708 72525797 20108121 15190718 673355813 701925466 12674954 14569376 370669 341302 16006885 14868897 583970717 613760805 613023225 643540380 X 0 0 0 0 60332588 58385086 60332588 58385086 673355813 701925466 X 1096970 -309547 -2734925 X 0 1 X 1 0 1285 1285 1285 1 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 ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: PART I-A, LINE 1: CONTRIBUTIONS TO VARIOUS CREDIT UNION POLITICAL ACTION COMMITTEES (CUPAC) RELATED TO CUPAC SPONSORED FUNDRAISING EVENTS. 0 1 X 17988758 17988758 19702918 8096914 11606004 2181766 2013297 168469 17727113 14655277 3071836 32835067 MEMBER SHARE DEPOSITS 610154082 PENSION PLAN LIABILITY - SFAS 158 3606723 613760805 X 46544572 0 46544572 0 46544572 45447602 0 45447602 0 45447602 PART IV, LINE 2B: THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: 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. X 1 1 X X 0 0 0 HUBERT H HOOSMAN JR 295669 0 0 0 7600 0 32545 0 20061 0 355875 0 0 0 ERIC V ACREE 185559 0 0 0 0 0 20439 0 17899 0 223897 0 0 0 DOUGLAS E RUCKMAN 144502 0 0 0 0 0 15919 0 18051 0 178472 0 0 0 RANDAL T YECK 138649 0 0 0 0 0 15264 0 11134 0 165047 0 0 0 CAMERON MINGES 145184 0 0 0 0 0 15970 0 16766 0 177920 0 0 0 CINDY A HARBISON 144563 0 0 0 6600 0 15891 0 1791 0 168845 0 0 0 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. 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. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: PENSION LIABILITY ADJUSTMENT -2,734,925. 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