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    <Timestamp>2012-05-01T11:05:00-05:00</Timestamp>
    <TaxPeriodEndDate>2011-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2011-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>480361798</EIN>
      <Name>
        <BusinessNameLine1>KANSAS CITY P&amp;G EMPLOYEES CREDIT UNION</BusinessNameLine1>
      </Name>
      <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>2012-04-09</DateSigned>
    </Officer>
    <TaxYear>2011</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
  </ReturnHeader>
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      <YearFormation>1938</YearFormation>
      <StateLegalDomicile>KS</StateLegalDomicile>
      <ActivityOrMissionDescription>IT IS THE PURPOSE OF THE KANSAS CITY P&amp;G EMPLOYEES CREDIT UNION TO PROVIDE FINANCIAL SERVICES IN A SAFE AND SOUND MANNER FOR THE MUTUAL BENEFIT AND GROWTH OF ITS MEMBERS.</ActivityOrMissionDescription>
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      <TotalGrossUBI>0</TotalGrossUBI>
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      <SignificantChange>false</SignificantChange>
      <ActivityCode>522130</ActivityCode>
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      <PoliticalActivities>false</PoliticalActivities>
      <DonorAdvisedFunds>false</DonorAdvisedFunds>
      <ConservationEasements>false</ConservationEasements>
      <CollectionsOfArt>false</CollectionsOfArt>
      <CreditCounseling>false</CreditCounseling>
      <TermOrPermanentEndowments>false</TermOrPermanentEndowments>
      <ReportLandBldgEquip>false</ReportLandBldgEquip>
      <ReportInvestOthSecurities>false</ReportInvestOthSecurities>
      <ReportProgRelInvest>false</ReportProgRelInvest>
      <ReportOtherAssets>false</ReportOtherAssets>
      <ReportOtherLiabilities>false</ReportOtherLiabilities>
      <ReportFin48Footnote>false</ReportFin48Footnote>
      <IndependentAuditFinancialStmt>false</IndependentAuditFinancialStmt>
      <ConsolidatedAuditFinancialStmt>false</ConsolidatedAuditFinancialStmt>
      <School>false</School>
      <ForeignOffice>false</ForeignOffice>
      <ForeignActivities>false</ForeignActivities>
      <MoreThan5000KToOrganizations>false</MoreThan5000KToOrganizations>
      <MoreThan5000KToIndividuals>false</MoreThan5000KToIndividuals>
      <ProfessionalFundraising>false</ProfessionalFundraising>
      <FundraisingActivities>false</FundraisingActivities>
      <Gaming>false</Gaming>
      <Hospital>false</Hospital>
      <GrantsToOrganizations>false</GrantsToOrganizations>
      <GrantsToIndividuals>false</GrantsToIndividuals>
      <ScheduleJRequired>false</ScheduleJRequired>
      <TaxExemptBonds>false</TaxExemptBonds>
      <InvestTaxExemptBonds>false</InvestTaxExemptBonds>
      <EscrowAccount>false</EscrowAccount>
      <OnBehalfOfIssuer>false</OnBehalfOfIssuer>
      <ExcessBenefitTransaction>false</ExcessBenefitTransaction>
      <PriorExcessBenefitTransaction>false</PriorExcessBenefitTransaction>
      <LoanToOfficerOrDQP referenceDocumentId="RetDoc3">true</LoanToOfficerOrDQP>
      <GrantToRelatedPerson referenceDocumentId="RetDoc3">true</GrantToRelatedPerson>
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      <DeductibleNonCashContributions>false</DeductibleNonCashContributions>
      <DeductibleContributionsOfArt>false</DeductibleContributionsOfArt>
      <Terminated>false</Terminated>
      <PartialLiquidation>false</PartialLiquidation>
      <DisregardedEntity>false</DisregardedEntity>
      <RelatedEntity>false</RelatedEntity>
      <RelatedOrgControlledEntity>false</RelatedOrgControlledEntity>
      <TransactionRelatedEntity>false</TransactionRelatedEntity>
      <TransfersToExemptNonChrtblOrg>false</TransfersToExemptNonChrtblOrg>
      <ActivitiesConductedPartnership>false</ActivitiesConductedPartnership>
      <ScheduleORequired>true</ScheduleORequired>
      <NumberFormsTransmittedWith1096>0</NumberFormsTransmittedWith1096>
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      <ForeignFinancialAccount>false</ForeignFinancialAccount>
      <ProhibitedTaxShelterTrans>false</ProhibitedTaxShelterTrans>
      <TaxablePartyNotification>false</TaxablePartyNotification>
      <NonDeductibleContributions>false</NonDeductibleContributions>
      <IndoorTanningServices>false</IndoorTanningServices>
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      <NumberIndependentVotingMembers>7</NumberIndependentVotingMembers>
      <FamilyOrBusinessRelationship>false</FamilyOrBusinessRelationship>
      <DelegationOfManagementDuties>false</DelegationOfManagementDuties>
      <ChangesToOrganizingDocs>false</ChangesToOrganizingDocs>
      <MaterialDiversionOrMisuse>false</MaterialDiversionOrMisuse>
      <MembersOrStockholders>true</MembersOrStockholders>
      <ElectionOfBoardMembers>true</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>false</DecisionsSubjectToApproval>
      <MinutesOfGoverningBody>true</MinutesOfGoverningBody>
      <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>
      <UponRequest>X</UponRequest>
      <TheBooksAreInCareOf>
        <NamePerson>MAUREEN BRESHEARS</NamePerson>
        <TelephoneNumber>9135730441</TelephoneNumber>
        <AddressUS>
          <AddressLine1>1900 KANSAS AVE</AddressLine1>
          <City>KANSAS CITY</City>
          <State>KS</State>
          <ZIPCode>66105</ZIPCode>
        </AddressUS>
      </TheBooksAreInCareOf>
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        <NamePerson>MAUREEN BRESHEARS</NamePerson>
        <Title>MANAGER</Title>
        <AverageHoursPerWeek>40</AverageHoursPerWeek>
        <HighestCompensatedEmployee>X</HighestCompensatedEmployee>
        <ReportableCompFromOrganization>56263</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>0</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
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      <FormersListed>false</FormersListed>
      <TotalCompGT150K>false</TotalCompGT150K>
      <CompensationFromOtherSources>false</CompensationFromOtherSources>
      <ContractorCompensation>
        <NameOfContractor>
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        </NameOfContractor>
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        <Description>INCOME FROM LOANS</Description>
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      <ProgramServiceRevenue>
        <Description>FEES AND CHARGES</Description>
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      <ProgramServiceRevenue>
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      <CompCurrentOfficersDirectors>
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      </CompCurrentOfficersDirectors>
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      </OtherSalariesAndWages>
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        <Total>5688</Total>
      </PensionPlanContributions>
      <PayrollTaxes>
        <Total>7641</Total>
      </PayrollTaxes>
      <FeesForServicesLegal>
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      </FeesForServicesLegal>
      <FeesForServicesAccounting>
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      </FeesForServicesAccounting>
      <FeesForServicesInvstMgmntFees>
        <Total>1049</Total>
      </FeesForServicesInvstMgmntFees>
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      </Advertising>
      <OfficeExpenses>
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      </OfficeExpenses>
      <InformationTechnology>
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      </InformationTechnology>
      <ConferencesMeetings>
        <Total>2500</Total>
      </ConferencesMeetings>
      <Insurance>
        <Total>4046</Total>
      </Insurance>
      <OtherExpenses>
        <Description>ASSOCIATION DUES</Description>
        <Total>4083</Total>
      </OtherExpenses>
      <OtherExpenses>
        <Description>DIVIDENDS</Description>
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      </OtherExpenses>
      <OtherExpenses>
        <Description>NCUA IMPAIRMENT</Description>
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      </OtherExpenses>
      <TotalFunctionalExpenses>
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        <ProgramServices>0</ProgramServices>
        <ManagementAndGeneral>0</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
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      <CashNonInterestBearing>
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      <SavingsAndTempCashInvestments>
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        <EOY>994910</EOY>
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        <EOY>98905</EOY>
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      <TotalAssets>
        <BOY>4552430</BOY>
        <EOY>4346987</EOY>
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      <AccountsPayableAccruedExpenses>
        <BOY>7207</BOY>
        <EOY>4607</EOY>
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      <OtherLiabilities>
        <BOY>3386459</BOY>
        <EOY>3201974</EOY>
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      <TotalLiabilities>
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      <TotalLiabNetAssetsFundBalances>
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        <EOY>4346988</EOY>
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      <ReconcilationRevenueExpenses>-18360</ReconcilationRevenueExpenses>
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      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
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      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>false</FederalGrantAuditPerformed>
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      <SubstantiationRequired>true</SubstantiationRequired>
      <SeverancePayment>false</SeverancePayment>
      <SupplementalNonqualRetirePlan>false</SupplementalNonqualRetirePlan>
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      <RebuttablePresumptionProcedure>false</RebuttablePresumptionProcedure>
      <Form990ScheduleJPartII>
        <NamePerson>MAUREEN BRESHEARS</NamePerson>
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        <NamePerson>JIM BABCOCK</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>16000</OriginalPrincipalAmount>
        <BalanceDue>16000</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>FRED SAVING</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>551</OriginalPrincipalAmount>
        <BalanceDue>551</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>WILLIAM STOKER</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>32519</OriginalPrincipalAmount>
        <BalanceDue>32519</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>KELLY DAVIS</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>69931</OriginalPrincipalAmount>
        <BalanceDue>69931</BalanceDue>
        <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>
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        <OriginalPrincipalAmount>46666</OriginalPrincipalAmount>
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        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>MARJORIE JARDAN</NamePerson>
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        <OriginalPrincipalAmount>31800</OriginalPrincipalAmount>
        <BalanceDue>31800</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>EVA GRAUBERGER</NamePerson>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>20233</OriginalPrincipalAmount>
        <BalanceDue>20233</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
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      <GeneralExplanation>
        <Explanation>PART VI SECTION B 12C. - AFTER ANNUAL ELECTIONS CONFLICT OD INTEREST FORMS ARE COMPLETED BY COMMITTEE 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 HOLDS ANNUAL ELECTIONS FOR BOARD AND COMITTEE VOLUNTEERS EACH OFFICIAL SERVES A 3 YEAR 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. THOSE POLICIES INCLUDE ALL POLICIES AND FINANCIAL STATEMENTS.</Explanation>
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