2024-10-01T10:47:18-07:00 2023-12-31 990 2023-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Teresa Wheadon Director Accounting 3146579418 2024-10-01 1 2023 2024-10-15 13:58:12Z Robert McKay 423 Lynch Street Saint Louis MO 63118 135539350 0 X www.togethercu.org X Cooperative 1939 MO All activities pertain to a state chartered credit union that provides deposit and lending services to its membership which approximates 141,000 9 9 520 14 106857 0 0 0 103957594 122481021 6301389 13058329 0 0 110258983 135539350 0 0 0 0 39810196 43903513 0 0 0 62584206 85650744 102394402 129554257 7864581 5985093 2446406107 2417889259 2255490599 2216522080 190915508 201367179 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 141,000 0 0 91268902 0 95485305 Loans to members 25803650 0 26995716 Service fees 12481705 0 13058329 Investments 0 0 0 129554257 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 520 1 1 1 0 0 0 0 0 1 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X Teresa Wheadon 3146579418 423 Lynch Street Saint Louis MO 63118 R McKay President/CEO 40 X X X 887699 0 983560 M Dougherty CLO 40 X X X 332739 0 196969 C Trunko CPO 40 X X X X 375795 0 41678 D Wyatt CIO 40 X X X 374032 0 29521 T Kraus COO 40 X X X 339277 0 51192 R Kampwerth CFO 40 X X X X 259877 0 63405 E Belshe Chief Admin & Legal Officer 40 X X X 287635 0 17263 V Vernon MLO 40 X 282521 0 16922 N Scudieri VP 40 X X 240055 0 43030 J Cromer VP 40 X X 246114 0 23416 J Moran VP 40 X X 211309 0 51871 P Sheahan VP 40 X X 212424 0 44212 M Imo-Moffitt MLO 40 X 214934 0 41302 J Boyer VP 40 X X X 209432 0 40883 P Ricra Director 40 X 197235 0 44871 C Lindauer VP 40 X X 182370 0 41566 K Kunze VP 40 X X 183393 0 40532 J Bruno VP 40 X X X 211907 0 5514 J Criswell Director 40 X 175935 0 39072 L Skube VP 40 X X 192043 0 14105 P Scheibal Director 40 X 171367 0 30720 S Mueller VP 40 X X 183571 0 10628 C Klauke Volunteer 0 X 3339 0 0 A Saferite Volunteer 0 X 2005 0 0 S Stobbs Board Member 0 X 1076 0 0 A Dierkes Board Member 0 X 895 0 0 R Kraus Board Member 0 X 0 0 0 T Jacobs Volunteer 0 X 0 0 0 M Chapman Board Member 0 X 0 0 0 J Fugel Board Member 0 X 0 0 0 B Rickmann Board Member 0 X 0 0 0 J Knapper Board Member 0 X 0 0 0 M Harris Board Member 0 X 0 0 0 B Tuffli Board Member 0 X 0 0 0 J Mize Volunteer 0 X 0 0 0 K Wesselschmidt Volunteer 0 X 0 0 0 5978979 0 1872232 58 1 1 0 PSCU 560 Carillon Parkway Saint Petersburg FL 33716 Card Processing 6200185 VISA PO Box 8999 San Francisco CA 94128 Card services provider 1928239 RSM 5155 Payshere Circle Chicago IL 60674 IT Consulting 1920888 NCR Corporation 864 Spring St NW Atlanta GA 30308 Online and Mobile Banking Service 1847529 L Keeley Construction Co 500 S Ewing Avernue Suite G Saint Louis MO 63103 Branch Construction 1455285 66 0 Income from Loans 522130 95485305 95485305 0 0 Income from Fees 522130 26995716 26888859 106857 0 0 0 0 0 122481021 13058329 13058329 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 135539350 135432493 106857 0 0 0 0 0 0 0 0 0 7843899 7843899 0 0 0 0 0 0 22684777 22684777 0 0 1948012 1948012 0 0 9209378 9209378 0 0 2217447 2217447 0 0 434869 434869 0 0 291953 291953 0 0 343569 343569 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3950929 3950929 0 0 8348768 8348768 0 0 7297604 7297604 0 0 0 0 0 0 2685505 2685505 0 0 407798 407798 0 0 0 0 0 0 407798 407798 0 0 33385678 33385678 0 0 0 0 0 0 4166845 4166845 0 0 412581 412581 0 0 Provision for Loan Losses 10150000 10150000 0 0 Loan Servicing 8402825 8402825 0 0 ATM/ITM Expenses 1084734 1084734 0 0 All other expenses 3879288 3879288 0 0 129554257 129554257 0 0 10080561 9652166 2814068 59059 0 0 23104430 5873650 6379508 5922312 0 0 1930668697 1919144988 0 0 23000920 19569306 90895809 41406609 48524154 49489200 358343103 365384990 0 0 0 0 0 0 43490666 42793588 2446406107 2417889259 23956610 25204326 0 0 1344267 950156 0 0 0 0 0 0 139000000 190000000 0 0 2091189722 2000367598 2255490599 2216522080 X 0 0 0 0 190915508 201367179 190915508 201367179 2446406107 2417889259 X 5985093 9166578 0 0 0 -4700000 X 1 X 1 X 1 0 0 14457230 14457230 0 37829661 12688742 25140919 0 1232931 1100989 131942 0 26100775 21488806 4611969 0 11275212 6128072 5147140 49489200 0 Savings Accounts 451226865 IRA Accounts 104285182 Certificates of Deposit 423743588 Money Market Accounts 638055802 Checking Accounts 383056161 2000367598 135539350 0 0 0 0 0 135539350 0 0 0 135539350 129554257 0 0 0 0 0 129554257 0 0 0 129554257 X 1 1 X X X X 1 1 0 R McKay President/CEO 666866 0 201070 0 19763 0 963636 0 19925 0 1871260 0 M Dougherty CLO 276906 0 47000 0 8833 0 176164 0 20806 0 529709 0 C Trunko CPO 288467 0 77000 0 10327 0 16607 0 25071 0 417472 0 D Wyatt CIO 290056 0 77044 0 6932 0 20577 0 8944 0 403553 0 T Kraus COO 281498 0 47000 0 10779 0 19941 0 31251 0 390469 0 R Kampwerth CFO 151174 0 105000 0 3703 0 51664 0 11741 0 323282 0 E Belshe Chief Admin & Legal Officer 280000 0 7136 0 498 0 17241 0 22 0 304897 0 V Vernon MLO 21424 0 260617 0 480 0 16922 0 0 0 299443 0 N Scudieri VP 197642 0 41041 0 1372 0 13789 0 29241 0 283085 0 J Cromer VP 201458 0 42096 0 2559 0 14821 0 8596 0 269530 0 J Moran VP 185048 0 19000 0 7262 0 21159 0 30712 0 263181 0 P Sheahan VP 192108 0 18250 0 2066 0 13142 0 31070 0 256636 0 M Imo-Moffitt MLO 24106 0 189920 0 908 0 13043 0 28260 0 256237 0 J Boyer VP 189263 0 19380 0 789 0 6384 0 34498 0 250314 0 P Ricra Director 179099 0 17603 0 532 0 12350 0 32522 0 242106 0 C Lindauer VP 164011 0 16997 0 1362 0 11338 0 30228 0 223936 0 K Kunze VP 167771 0 15164 0 458 0 11311 0 29221 0 223925 0 J Bruno VP 20900 0 39948 0 151059 0 4422 0 1091 0 217420 0 J Criswell Director 172875 0 2561 0 498 0 10813 0 28260 0 215007 0 L Skube VP 165662 0 24400 0 1981 0 11653 0 2452 0 206148 0 P Scheibal Director 167092 0 196 0 4080 0 10443 0 20276 0 202087 0 S Mueller VP 183000 0 46 0 525 0 10606 0 22 0 194199 0 Schedule J, Part I, Line 1a Board Member spouse travel: A Dierkes - $895; S Stobbs - $1,076; C Klauke - $3,339; A Saferite - $2,005 Schedule J, Part I, Line 4 J Bruno, Severance - $151,059; question 4b - R McKay, Supplemental Retirement Plan Payout - $814,528 A Dierkes Board Member Mortgage X 173000 42742 0 1 1 A Dierkes Board Member Automobile X 6400 3924 0 1 1 A Dierkes Board Member Credit Card X 1 881 0 1 1 A Dierkes Board Member Credit Card X 1 2075 0 1 1 A Saferite Volunteer Credit Card X 1 15706 0 1 1 A Saferite Volunteer Automobile X 47792 37142 0 1 1 C Klauke Volunteer Mortgage X 172000 121948 0 1 1 C Klauke Volunteer Credit Card X 1 7796 0 1 1 C Klauke Volunteer Automobile X 21632 9786 0 1 1 J Fugel Board Member Credit Card X 1 3990 0 1 1 J Fugel Board Member Automobile X 12311 8565 0 1 1 J Moran Employee Mortgage X 212000 165952 0 1 1 J Moran Employee HELOC X 114000 71963 0 1 1 J Moran Employee Automobile X 84175 51088 0 1 1 J Moran Employee Credit Card X 1 3115 0 1 1 J Moran Employee Credit Card X 1 3 0 1 1 J Moran Employee Secured X 1500 1088 0 1 1 J Moran Employee Credit Card X 1 20281 0 1 1 J Moran Employee Automobile X 19500 15579 0 1 1 J Boyer Employee Mortgage X 380000 357375 0 1 1 J Boyer Employee Automobile X 61060 39323 0 1 1 J Mize Volunteer Mortgage X 652500 606373 0 1 1 J Mize Volunteer Mortgage X 350212 300336 0 1 1 J Mize Volunteer Automobile X 35557 13315 0 1 1 K Kunze Employee Mortgage X 340000 312398 0 1 1 K Kunze Employee Home Equity X 150000 143205 0 1 1 K Kunze Employee HELOC X 19000 18046 0 1 1 K Kunze Employee Credit Card X 1 20798 0 1 1 L Skube Employee Mortgage X 309000 276346 0 1 1 L Skube Employee HELOC X 177000 97397 0 1 1 L Skube Employee Automobile X 6800 1536 0 1 1 L Skube Employee Credit Card X 1 15761 0 1 1 L Skube Employee Automobile X 43500 21188 0 1 1 M Harris Board Member Mortgage X 255848 238341 0 1 1 M Imo-Moffitt Employee Mortgage X 187800 153571 0 1 1 M Imo-Moffitt Employee Mortgage X 339500 263612 0 1 1 M Dougherty Employee Mortgage X 855000 745619 0 1 1 M Chapman Board Member Automobile X 29626 22077 0 1 1 M Chapman Board Member Student Loan X 40301 51835 0 1 1 P Scheibal Employee Home Equity X 25000 24917 0 1 1 P Sheahan Employee Credit Card X 1 1091 0 1 1 R McKay Employee Mortgage X 778300 537878 0 1 1 R McKay Employee Credit Card X 1 12570 0 1 1 S Stobbs Board Member Mortgage X 85000 79686 0 1 1 S Stobbs Board Member HELOC X 23005 22955 0 1 1 S Stobbs Board Member Credit Card X 30000 77 0 1 1 T Kraus Employee Mortgage X 399600 360602 0 1 1 T Kraus Employee HELOC X 120000 16032 0 1 1 T Kraus Employee Automobil X 21969 16407 0 1 1 T Kraus Employee Credit Card X 1 16 0 1 1 T Kraus Employee Student Loan X 107507 107449 0 1 1 T Kraus Employee Automobile X 93127 54838 0 1 1 T Jacobs Volunteer Automobile X 35499 31070 0 1 1 V Vernon Employee Mortgage X 229500 223751 0 1 1 V Vernon Mortgage Mortgage X 182750 88415 0 1 1 V Vernon Employee HELOC X 135000 50178 0 1 1 V Vernon Employee Automobile X 12304 12304 0 1 1 5922312 Form 990, Part VI, Section A, Line 6 The Credit Union has approximately 141,000 members. Form 990, Part VI, Section A, Line 7a The Board of Directors are elected positions that are voted on by the general membership at the Annual Membership meeting. Form 990, Part VI, Section B, Line 11b The IRS Form 990 is completed and then reviewed by Finance Leadership before submitting. Form 990, Part VI, Section B, Line 12c Our internal auditors review on a regular basis for compliance with company policies and regulations as do the State and Federal examiners. Form 990, Part VI, Section B, Line 15 We have an independent third party review all job grades and job descriptions to determine compensation and it is also compared to peer data from like size organizations. Process is completed annually. Form 990, Part VI, Section C, Line 19 The Form 990 is available to the public upon written request. Form 990, Part XI, Line 9 Cumulative change for adoption of ASC 326