2013-08-19T09:48:10-00:00 2012-12-31 ORTH CHAKLER MURNANE AND CO CPAs 12060 SW 129 COURT SUITE 201 MIAMI FL 33186 990 2012-01-01 440544335 MAZUMA CREDIT UNION MAZU 8163614194 9300 TROOST AVENUE KANSAS CITY MO 64131 MARIE SHRAKE 2013-08-15 true DOUGLAS ORTH 3052328272 2013-08-15 2012 2016-02-24 21:20:13Z BRANDON MICHAELS 9300 TROOST AVENUE KANSAS CITY MO 64131 47674710 false 1984 X WWW.MAZUMA.ORG X 1949 MO A NON-FOR-PROFIT CREDIT UNION SERVING EMPLOYER GROUPS AND APPROVED COMMUNITIES OF CASS, CLAY AND JACKSON COUNTIES. 9 9 231 13 769138 -329028 0 33531764 35090857 151868 738326 232716 33683632 36061899 0 0 10330333 11112652 0 0 19215945 26593225 29546278 37705877 4137354 -1643978 451826698 469529044 412885748 431949728 38940950 37579316 A NON-FOR-PROFIT CREDIT UNION SERVING EMPLOYER GROUPS AND APPROVED COMMUNITIES OF CASS, CLAY AND JACKSON COUNTIES. false false DEPOSIT SERVICES FOR 52,270 MEMBERS. false false false false false false false false true false false true true true false true false false false false false false false false false false false true false false false false false false false false false false true true true true false true 20690 0 true 231 true false false false false false false false X 9 9 false false false false true true false true true false false true true true true false true true true true true MO X MARIE SHRAKE 8163614194 9300 TROOST AVENUE KANSAS CITY MO 64131 JOHN WALLS 002.00 002.00 X 0 0 0 DAVID KUDRIN 002.00 002.00 X 0 0 0 BILLY WILSON 002.00 002.00 X 0 0 0 GERALD ROSENBLUM 002.00 002.00 X 0 0 0 BOB DURBIN 002.00 002.00 X 0 0 0 SHAUN HENDERSON 002.00 002.00 X 0 0 0 ALBERT RUIZ 002.00 002.00 X 0 0 0 MAHESH SHARMA 002.00 002.00 X 0 0 0 SANDRA TILLMAN 002.00 002.00 X 0 0 0 WILLIAM AKRIGHT 002.00 002.00 X 0 0 0 WALTER PATYKIEWICZ 002.00 002.00 X 0 0 0 BRANDON MICHAELS 040.00 040.00 X 228801 0 21427 ROB GIVENS 040.00 040.00 X 509784 0 9341 MARIE SHRAKE 040.00 040.00 X 138505 0 4344 DEBORAH BARNETT 040.00 040.00 X 139737 0 31605 GEORGE SHERMAN 040.00 040.00 X 131310 0 19317 DANIEL ENGELHARD 040.00 040.00 X 120043 0 10832 GORDON GREGORY 040.00 040.00 X 118811 0 13850 CHRISTIAN MARCUSSEN 040.00 040.00 X 117444 0 17742 1504435 128458 8 false true false BEYOND MARKETING LLC 16011 COLLEGE BLVD 208 LENEXA KS 66219 MARKETING 1029875 TRUHOME SOLUTIONS 9777 RIDGE DRIVE LENEXA KS 66219 MORTGAGE PROVIDER 501935 JACK HENTRY & ASSOCIATES PO BOX 807 MONETT MO 657088215 CORE SYSTEM 490874 STRAHM AUTOMATION AND MAILING 1700 BROADWAY KANSAS CITY MO 64108 STATEMENT PRINTING AND NOTICES 395201 DIEBOLD 5995 MAYFAIR ROAD NORTH CANTON OH 44720 ATM MANAGEMENT 391935 10 INCOME ON LOANS 522100 17390569 17390569 SERVICE FEES/OTHER 522100 16931150 16931150 UNRELATED BUSINESS INCOME 522299 769138 769138 35090857 1125016 1125016 10387185 838936 10321532 1291279 65653 -452343 -386690 -386690 232716 232716 232716 36061899 35292761 769138 0 0 0 0 912202 912202 0 7788310 7788310 514261 514261 1284995 1284995 612884 612884 916373 916373 115877 115877 54625 54625 0 75555 75555 777131 777131 1094329 1094329 943803 943803 941181 941181 0 599434 599434 40429 40429 0 170172 170172 3622230 3622230 113951 113951 918825 918825 172937 172937 16036373 16036373 0 37705877 37705877 6927225 5664677 27481915 24148571 9944097 9817714 290872007 286695434 562544 476620 22013127 11392879 11079171 10620248 81589124 96815831 12369957 10566243 11000658 24723706 451826698 469529044 5618758 6385668 8000000 5000000 399266990 420564060 412885748 431949728 X 38940950 37579316 38940950 37579316 451826698 469529044 X -1643978 290986 -8642 X false true X true false false 2341815 2341815 11431054 4605685 6825369 477736 476334 1402 7762522 6310860 1451662 10620248 Financial derivatives and other financial products Closely-held equity interests EXCESS SHARE INSURANCE DEPOSIT 270000 DEFERRED COMPENSATION ASSETS-457B 27466 LIFE INSURANCE 457F 2084968 EXECUTIVE INSURANCE 9304040 MORTGAGE SERVICING RIGHTS 325215 LEVEL 5-NEW HEADQUARTERS 191917 ATMS 8650 OTHER ASSETS 340856 INVESTMENTS IN CUSO 6743246 NCUSIF DEPOSIT 4127707 OREO 1299641 24723706 Federal income taxes SHARE DRAFTS 54308720 REGULAR SHARES 99662349 MONEY MARKET 113004503 IRA SHARES 7444333 CERTIFICATES 146144155 420564060 X X 2 THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 50414. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITON OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2011, 2010, AND 2009 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. X X X true true X false true false BRANDON MICHAELS 219206 9595 17000 4427 250228 ROB GIVENS 9784 500000 9219 122 519125 DEBORAH BARNETT 139210 527 22500 9105 171342 GEORGE SHERMAN 131089 221 13680 5637 150627 I 4B ROB GIVENS RECEIVED 500,000 FROM A 457F PLAN DISTRIBUTION DURING 2012. Form 990 Part VI Section A Line 6 EVERY INDIVIDUAL THAT HAS DEPOSIT OF 25.00 IN THE CREDIT UNION HAS OWNERSHIP OF 1 VOTING SHARE OF THE ORGANIZATION AND MAY VOTE ON THE ELECTION OF BOARD MEMBERS. NO MEMBER HAS MORE THAN 1 VOTING SHARE, REGARDLESS OF THE TOTAL AMOUNT OF DEPOSITS IN THAT MEMBERS ACCOUNT. WE HAVE APPROXIMATELY 52,300 MEMBERS. Form 990 Part VI Section A Line 7A THE ORGANIZATION IS RUN BY A BOARD OF DIRECTORS MADE UP OF ORGANIZATION MEMBERS THAT WERE VOTED IN BY ALL OTHER MEMBERS OF THE ORGANIZATION. Form 990 Part VI Section B Line 11 THE VP/CFO PROVIDES INPUT INTO THE PREPARATION OF THE 990 AND 990T AND REVIEWS THE RETURNS PRIOR TO FILING. THE CEO ALSO REVIEWS THE 990 AND 990T RETURNS PRIOR TO FILING. THEN, THE CEO REPORTS THE FILING OF THE 990 AND 990T TO THE BOARD AND MAKES THE RETURNS AVAILABLE FOR PUBLIC INSPECTION. Form 990 Part VI Section B Line 12C CONFLICT OF INTEREST STATEMENTS ARE OBTAINED EACH YEAR FROM MANAGEMENT, THE BOARD OF DIRECTORS, AND THE SUPERVISORY COMMITTEE. Form 990 Part VI Section B Line 15 THE CEOS COMPENSATION IS BASED UPON CONTRACT AND REACHING PREDETERMINED BENCHMARKS. ALL OTHER PAID EMPLOYEES ARE BASED UPON A STANDARD SALARY GRID AND ANNUAL REVIEW PROCESS. BONUSES, IF ANY, ARE PAID BASED UPON SUCCESSFUL COMPLETION OF MAJOR PROJECTS. Form 990 Part VI Section C Line 19 FINANCIAL STATEMENTS ARE POSTED IN BRANCH LOBBIES. POLICIES ARE AVAILABLE BASED UPON REQUEST AND FOLLOWING SPECIFIED PROCEDURES. Form 990 Part XI Line 9 RECLASSIFICATION ADJUSTMENT FOR GAINS INCLUDED IN NET INCOME OF 16,574 LESS PRIOR PERIOD ADJUSTMENT TO RECORD DECEMBER 2011 CUSO INCOME OF 7,932. 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