2022-11-14T18:04:17-07:00 2021-12-31 990 2021-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Lawrence Skube VP & Controller 3146579401 2022-11-14 1 11 1 AAL2 2021 2022-09-23 18:48:47Z Robert McKay 423 Lynch Street Saint Louis MO 63118 107418867 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 136,000 9 9 569 14 176564 17528 0 0 102149634 99683148 7257612 7735719 0 0 109407246 107418867 0 17250 0 0 38415202 37667154 0 0 0 57165181 48953819 95580383 86638223 13826863 20780644 2107521700 2310446798 1904270282 2092542241 203251418 217904557 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 136,000 0 0 54870497 68031482 Loans to members 25528515 31651666 Service fees 6239211 7735719 Investments 0 0 0 86638223 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 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 569 1 1 1 0 0 0 0 0 0 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 Lawrence Skube 3146579401 423 Lynch Street Saint Louis MO 63118 R McKay President/CEO 40 0 X X X 886926 0 817016 M Dougherty CLO 40 0 X X X 360660 0 201311 R Kampwerth CFO 40 0 X X X 392267 0 115059 T Kraus COO 40 0 X X X 373709 0 43778 C Trunko CPO 40 0 X X X 334024 0 29656 M Imo-Moffitt MLO 40 0 X 292784 0 38255 R Swanigan CIO 40 0 X X X X 268882 0 27226 S Gardner MLO 40 0 X 258389 0 35587 M Jackson VP 40 0 X X 251392 0 38743 J Dickerson MLO 40 0 X 230846 0 35478 G Vernon MLO 40 0 X 216032 0 34664 H Brandvein VP 40 0 X X 222473 0 27349 P Sheahan VP 40 0 X X 217515 0 29363 P Alsup Chief DE&I Officer 40 0 X X X 183667 0 54482 J Moran VP 40 0 X X 186645 0 46179 V Vernon MLO 40 0 X 204123 0 10836 K Kunze VP 40 0 X X 170763 0 32784 L Skube VP 40 0 X X 166742 0 11611 S Stobbs Board Member 0 0 X 2401 0 0 C Klauke Board Member (Emeritus) 0 0 X 2263 0 0 J Fugel Board Member 0 0 X 1000 0 0 M Chapman Board Member 0 0 X 750 0 0 B Rickmann Board Member 0 0 X 500 0 0 C Laughlin Board Member 0 0 X 500 0 0 R Kraus Board Member 0 0 X 486 0 0 J Knapper Board Member 0 0 X 250 0 0 M Harris Board Member 0 0 X 250 0 0 B Tuffli Board Member 0 0 X 0 0 0 A Dierkes Board Member 0 0 X 0 0 0 5226239 0 1629377 41 1 1 0 WorldPay 601 Riverside Avenue Jacksonville FL 32204 Card Processing 3910228 Digital Insight 1300 Seaport Blvd Suite 300 Redwood City CA 94063 Online and Mobile Banking Services 1436618 UMR 11 Scott Street Wausau WI 54403 Insurance Claims Administrator 1337572 RSM 5155 Payshere Circle Chicago IL 60674 IT Consulting 1305901 AT and T 208 S Akard St Dallas TX 75202 Phone and Data Lines 958991 56 0 Income from Loan 522130 68031482 68031482 0 0 Income from Fees 522130 31651666 31475102 176564 0 0 0 0 0 99683148 7735719 7735719 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 107418867 107242303 176564 0 17250 17250 6847216 6847216 21380258 21380258 1705673 1705673 5830173 5830173 1903834 1903834 531152 531152 412475 412475 294393 294393 3155147 3155147 6837062 6837062 5200598 5200598 2794501 2794501 228642 228642 228642 228642 9166315 9166315 3350258 3350258 289716 289716 Provision for Loan Losses 3200000 3200000 0 0 Loan Servicing 8791629 8791629 0 0 ATM/ITM Expenses 760921 760921 0 0 Fixed Assets Dispositions and Valuations 141108 141108 0 0 3571260 3571260 86638223 86638223 0 0 9249009 7163965 542780 2866124 0 0 2936186 7529127 5395697 5051597 0 0 1533136215 1660999746 0 0 11747786 19048157 81314421 33855996 51069124 47458425 451679133 520217515 0 0 0 0 0 0 41765770 40112142 2107521700 2310446798 24403353 19308490 0 0 171767 1560268 0 0 0 0 0 0 40000000 34000000 0 0 1839695162 2037673483 1904270282 2092542241 X 0 0 0 0 203251418 217904557 203251418 217904557 2107521700 2310446798 20780644 -6127505 0 0 0 0 X 1 X 1 X 1 0 0 14457230 14457230 0 33455928 9737932 23717996 0 1254183 1063859 190324 0 23349390 18872536 4476854 0 8797690 4181669 4616021 47458425 0 Savings Accounts 500976158 IRA Accounts 116556635 Certificates of Deposit 247693196 Money Market Accounts 777338322 Checking Accounts 395109172 2037673483 107418867 0 0 0 0 0 107418867 0 0 0 107418867 86638223 0 0 0 0 0 86638223 0 0 0 86638223 1 College scholarships 12 17250 0 Schedule I, Part I, Line 2 The Credit Union awarded scholarships to graduating high school seniors (members and community-wide) to reduce the financial burden of college, business or technical/trade school. The scholarships awarded ranged from $1,250 to $1,500 each. X 1 1 X X X X 0 1 0 R McKay President/CEO 877791 0 0 0 8964 0 798064 0 18952 0 1703771 0 0 0 R Kampwerth CFO 386465 0 0 0 5802 0 89185 0 25874 0 507326 0 0 0 T Kraus COO 367967 0 0 0 5741 0 14973 0 28804 0 417485 0 0 0 M Dougherty CLO 354858 0 0 0 5802 0 182919 0 18392 0 561971 0 0 0 C Trunko CPO 328306 0 0 0 5718 0 11811 0 17845 0 363680 0 0 0 M Imo-Moffitt MLO 277684 0 0 0 15100 0 12200 0 26054 0 331038 0 0 0 R Swanigan CIO 255937 0 0 0 12945 0 9945 0 17280 0 296107 0 0 0 M Jackson VP 242228 0 0 0 9164 0 12865 0 25879 0 290136 0 0 0 S Gardner MLO 234269 0 0 0 24121 0 8032 0 27554 0 293976 0 0 0 J Dickerson MLO 224897 0 0 0 5949 0 11832 0 23646 0 266324 0 0 0 H Brandvein VP 219425 0 0 0 3048 0 11504 0 15845 0 249822 0 0 0 P Sheahan VP 215411 0 0 0 2105 0 11370 0 17993 0 246879 0 0 0 G Vernon MLO 215025 0 0 0 1007 0 11018 0 23646 0 250696 0 0 0 V Vernon MLO 200773 0 0 0 3349 0 10836 0 0 0 214958 0 0 0 P Alsup Chief DE&I Officer 181339 0 0 0 2329 0 37130 0 17352 0 238150 0 0 0 J Moran VP 180666 0 0 0 5979 0 17375 0 28804 0 232824 0 0 0 K Kunze VP 170315 0 0 0 448 0 9137 0 23646 0 203546 0 0 0 L Skube VP 165457 0 0 0 1285 0 8861 0 2750 0 178353 0 0 0 Schedule J, Part I, Line 1a Schedule J, Part I, Line 1a - Board Member spouse travel: C Klauke - $2,263; R Kraus - $486; S Stobbs - $901 Schedule J, Part I, Line 4 Schedule J, Part I, Line 4 - B. McKay, Supplemental Retirement Plan Payout - $150,000; R Kampwerth, Supplemental Retirement Plan Payout - $250,000 A Dierkes Board Member Mortgage X 173000 68266 0 1 1 A Dierkes Board Member Credit Card X 1 1354 0 1 1 C Klauke Board Member Mortgage X 172000 142507 0 1 1 C Klauke Board Member Credit Card X 1 3271 0 1 1 C Laughlin Board Member Mortgage X 36918 13115 0 1 1 J Fugel Board Member Credit Card X 1 125 0 1 0 J Knapper Board Member Mortgage X 279920 278299 0 1 1 J Moran Employee Mortgage X 212000 191410 0 1 1 J Moran Employee HEL X 114000 20000 0 1 1 J Moran Employee Auromobile X 66478 43491 0 1 1 J Moran Employee Credit Card X 1 63 0 1 1 J Moran Employee Credit Card X 1 12185 0 1 1 J Moran Employee Automobile X 17122 8488 0 1 1 J Mize Board Member Mortgage X 652500 631635 0 1 1 J Mize Board Member Mortgage X 350212 316579 0 1 1 J Mize Board Member Automobile X 35557 30455 0 1 1 K Kunze Employee Mortgage X 340000 326427 0 1 1 K Kunze Employee HEL X 40000 35867 0 1 1 K Kunze Employee Credit Card X 1 17321 0 1 1 L Skube Employee Mortgage X 309000 292333 0 1 1 L Skube Employee Automobile X 6800 4963 0 1 1 L Skube Employee Credit Card X 1 11073 0 1 1 L Skube Employee Automobile X 82538 57189 0 1 1 M Harris Board Member Mortgage X 255848 250165 0 1 1 M Dougherty Employee Mortgage X 855000 791260 0 1 1 M Chapman Board Member Credit Card X 1 9884 0 1 1 M Chapman Board Member Student Loan X 40301 46684 0 1 1 M Chapman Board Member Automobile X 15874 8202 0 1 1 P Sheahan Employee Credit Card X 1 15 0 1 1 P Alsup Employee Mortgage X 132000 124447 0 1 1 R McKay Employee Mortgage X 778300 615224 0 1 1 R McKay Employee Credit Card X 1 12229 0 1 1 R Kampwerth Employee Mortgage X 172000 61368 0 1 1 R Kampwerth Employee Automobile X 20000 1740 0 1 1 R Kampwerth Employee Credit Card X 1 10 0 1 1 R Kampwerth Employee Credit Card X 1 335 0 1 1 R Kampwerth Employee Credit Card X 1 3292 0 1 1 S Stobbs Board Member Mortgage X 85000 83589 0 1 1 S Stobbs Board Member HEL X 23005 22955 0 1 1 S Stobbs Board Member Credit Card X 30000 70 0 1 1 T Kraus Employee Mortgage X 399600 378694 0 1 1 T Kraus Employee HEL X 18000 17669 0 1 1 T Kraus Employee Credit Card X 1 15 0 1 1 T Kraus Employee Student Loan X 27860 27894 0 1 1 T Kraus Employee Automobile X 107427 89440 0 1 1 5051597 Form 990, Part VI, Section A, Line 6 Form 990, Part VI, Section A, Line 6 - The Credit Union has approximately 136,000 members Form 990, Part VI, Section A, Line 7a 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 Form 990, Part VI, Section B, Line 11b - The IRS Form 990 is completed and then reviewed by two SVP's before submitting. Form 990, Part VI, Section B, Line 12c 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 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 Form 990, Part VI, Section C, Line 19 - The Form 990 is available to the public upon written request.