2020-11-30T14:39:55-07:00 2019-12-31 990 2019-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Lawrence Skube VP & Controller 3146579401 2020-11-05 206.181.25.66 2019 2021-04-22 16:20:28Z Robert McKay 423 Lynch Street Saint Louis MO 63118 109073449 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 133,000 9 9 514 14 189308 7839 0 0 96123786 100809528 3526720 8263921 0 0 99650506 109073449 0 0 0 0 31518466 34046913 0 0 0 55442888 60509257 86961354 94556170 12689152 14517279 1707183095 1825507133 1539710944 1637592474 167472151 187914659 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 133,000 0 0 65683163 0 76169661 Loans to members 21247625 0 24639867 Service fees 3999546 0 4638085 Investments 0 0 0 90930334 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 46179 0 1 514 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 728955 0 671774 M Dougherty CLO 40 0 X X X 313583 0 186144 R Kampwerth CFO 40 0 X X X 339452 0 139810 T Kraus COO 40 0 X X X 282163 0 37675 A Thompson CHRO 40 0 X X X 237697 0 54357 M Imo-Moffitt MLO 40 0 X 252883 0 34043 R Swanigan CIO 40 0 X X X 254307 0 27967 P Alsup CCRO 40 0 X X 204730 0 59284 M Jackson VP 40 0 X 213549 0 32553 L Abshear MLO 40 0 X 200173 0 26004 H Brandvein VP 40 0 X X 193501 0 25783 P Sheahan VP 40 0 X 184713 0 25023 J Moran VP 40 0 X 158205 0 37018 J DeBold AVP 40 0 X 160700 0 31058 C Klauke Board Member (Emeritus) 0 0 X 3832 0 0 S Stobbs Board Member 0 0 X 3581 0 0 A Dierkes Board Member 0 0 X 2907 0 0 R Kraus Board Member 0 0 X 1545 0 0 M Harris Board Member 0 0 X 0 0 0 J Knapper Board Member 0 0 X 0 0 0 J Fugel Board Member 0 0 X 0 0 0 M Chapman Board Member 0 0 X 0 0 0 B Tuffli Board Member 0 0 X 0 0 0 B Rickmann Board Member 0 0 X 0 0 0 3736476 0 1388493 37 1 1 0 Corelation Inc 2305 Historic Decatur Road Suite 300 San Diego CA 92106 Core Banking Systems Software and Hardware 1524258 FISERV 255 Fiserv Drive Brookfield WI 53045 Systems Licenses 924791 NCR Corporation 3097 Satellite Boulevard Duluth GA 30096 ATM Machines and Support 833830 AT&T 208 South Akard Street Dallas TX 75202 Web and Phone Services 675464 MIKE SCHUTTE UNITED SIGN ADVERTISING LLC 1060 Celebration Drive Roswell GA 30076 Signs and Printing Services 523212 43 0 Income from Loans 522130 76169661 76169661 0 0 Income from Fees 522130 24639867 24450559 189308 0 0 0 0 0 100809528 8263921 8263921 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 109073449 108884141 189308 0 6843964 17990423 1865693 5590261 1756572 466830 313675 327023 2832193 5976050 4294748 2484394 503873 503873 14320603 3406939 230667 Provision For Loan Losses 10485000 Loan Servicing 7955643 ATM/ITM Expenses 692880 Write-down value of Creve Coeur Bldg. 1742925 3971941 94556170 0 0 0 6184040 6578880 7380216 6548766 0 0 2855249 4258634 5275023 9999999 0 0 1447983092 1520581682 0 0 13279962 11357752 76539739 29522241 48653585 47017498 142060930 181830430 0 0 0 0 0 0 33510998 37333492 1707183095 1825507133 15115876 18046083 0 0 359540 160780 0 0 0 0 0 0 35000000 45000000 0 0 1489235528 1574385611 1539710944 1637592474 X 0 0 0 0 167472151 187914659 167472151 187914659 1707183095 1825507133 14517279 5925229 0 0 0 0 X 1 X 1 X 1 0 0 14507230 14507230 0 36660732 8758632 27902100 0 1214919 986042 228877 0 24156858 19777567 4379291 0 0 0 0 47017498 0 Savings Accounts 325300467 IRA Accounts 121655862 Certificates of Deposit 280521337 Money Market Accounts 575188710 Checking Accounts 271719235 1574385611 109073449 0 0 0 0 0 109073449 0 0 0 109073449 94556170 0 0 0 0 0 94556170 0 0 0 94556170 X X 1 1 X X X X 1 1 0 R McKay President/CEO 978955 0 0 0 0 0 657586 0 14188 0 1650729 0 0 0 M Dougherty CLO 313583 0 0 0 0 0 171956 0 14188 0 499727 0 0 0 R Kampwerth CFO 339452 0 0 0 0 0 118698 0 21113 0 479263 0 0 0 T Kraus COO 282163 0 0 0 0 0 16396 0 21279 0 319838 0 0 0 A Thompson CHRO 237697 0 0 0 0 0 33078 0 21279 0 292054 0 0 0 M Imo-Moffitt MLO 252883 0 0 0 0 0 12765 0 21279 0 286927 0 0 0 R Swanigan CIO 254307 0 0 0 0 0 14742 0 13225 0 282274 0 0 0 P Alsup CCRO 204730 0 0 0 0 0 43188 0 16096 0 264014 0 0 0 M Jackson VP 213549 0 0 0 0 0 13042 0 19511 0 246102 0 0 0 L Abshear MLO 200173 0 0 0 0 0 12239 0 13765 0 226177 0 0 0 H Brandvein VP 193501 0 0 0 0 0 11595 0 14188 0 219284 0 0 0 P Sheahan VP 184713 0 0 0 0 0 11258 0 13765 0 209736 0 0 0 J Moran VP 158205 0 0 0 0 0 15739 0 21279 0 195223 0 0 0 J DeBold AVP 160700 0 0 0 0 0 9779 0 21279 0 191758 0 0 0 Schedule J, Part I, Line 1a Board Members do not receive salaries or regular compensation but are allowed to travel with spouses once per year to a relevant conference Schedule J, Part I, Line 4 Schedule J, Part I, Line 1a - A Dierkes Spouse Travel $2,907; C Klauke Spouse Travel $3,832; T Kraus Spouse Travel $1,545; C Laughlin Spouse Travel $782; S Stobbs Spouse Travel $3,581 Schedule J, Part I, Line 4 - E Smith Severance Payment $144,475; F Guzman Severance Payment $42,210; R McKay Supplemental Retirement Plan $250,000; M Werkmeister AVP Automobile X 8612 8332 0 1 1 M Werkmeister AVP Credit Card X 15000 12296 0 1 1 M Werkmeister AVP Mortgage X 342000 334093 0 1 1 T Kraus SVP Automobile X 7623 4152 0 1 1 T Kraus SVP Automobile X 14300 10214 0 1 1 T Kraus SVP Unsecured X 12000 10296 0 1 1 T Kraus SVP Automobile X 41083 35371 0 1 1 T Kraus SVP Automobile X 31454 29596 0 1 1 T Kraus SVP Credit Card X 2000 1906 0 1 1 T Kraus SVP HELOC X 10000 9624 0 1 1 T Kraus SVP Mortgage X 403150 396928 0 1 1 J Moran VP HELOC X 60000 17044 0 1 1 J Moran VP Automobile X 32000 31066 0 1 1 J Moran VP Credit Card X 25000 11757 0 1 1 J Moran VP Mortgage X 240000 208822 0 1 1 R Kampwerth SVP Automobile X 29780 10165 0 1 1 R Kampwerth SVP Credit Card X 12000 2263 0 1 1 R Kampwerth SVP Mortgage X 172000 86881 0 1 1 J Melton AVP Mortgage X 397000 393532 0 1 1 M Imo-Moffitt MLO Automobile X 27076 6253 0 1 1 M Imo-Moffitt MLO Mortgage X 210000 193634 0 1 1 M Imo-Moffitt MLO Mortgage X 339500 334245 0 1 1 G Steinkuehler AVP Automobile X 22500 2999 0 1 1 M Tornatore VP Mortgage X 229410 224290 0 1 1 M Cannes VP Mortgage X 330000 319085 0 1 1 L Abshear MLO Automobile X 38483 37604 0 1 1 L Abshear MLO Mortgage X 280000 274504 0 1 1 R McKay CEO Credit Card X 50000 9317 0 1 1 M Dougherty SVP HELOC X 19971 14579 0 1 1 M Dougherty SVP Mortgage X 565000 534975 0 1 1 M Jackson VP Automobile X 31824 15096 0 1 1 M Jackson VP Automobile X 39910 22802 0 1 1 M Jackson VP Mortgage X 394082 363385 0 1 1 J DeBold AVP HELOC X 26500 26480 0 1 1 J DeBold AVP Credit Card X 15000 8500 0 1 1 J DeBold AVP Mortgage X 503500 489477 0 1 1 H Brandvein VP HELOC X 156173 150173 0 1 1 L Skube VP Automobile X 20215 9326 0 1 1 L Skube VP Automobile X 24276 11556 0 1 1 L Skube VP Unsecured X 4000 3525 0 1 1 L Skube VP Credit Card X 17500 15245 0 1 1 L Skube VP Mortgage X 309000 307749 0 1 1 R Swanigan SVP Automobile X 40163 29712 0 1 1 R Swanigan SVP HELOC X 78843 76720 0 1 1 R Swanigan SVP Automobile X 58965 53373 0 1 1 J Schroth VP Credit Card X 10000 249 0 1 1 S Stobbs Director HELOC X 23005 23004 0 1 1 S Stobbs Director Mortgage X 102000 86479 0 1 1 M Chapman Director Automobile X 15874 15874 0 1 1 M Chapman Director Credit Card X 22900 22577 0 1 1 A Dierkes Director Mortgage X 173000 92185 0 1 1 M Falconer AVP Mortgage X 118892 116314 0 1 1 K Kunze VP Credit Card X 15000 5333 0 1 1 K Kunze VP Mortgage X 340000 339477 0 1 1 K Kunze VP Unsecured X 19000 1000 0 1 1 M Imo-Moffitt MLO Mortgage X 169100 135367 0 1 1 T Walden AVP Mortgage X 167000 126373 0 1 1 E Buehler AVP Automobile X 33952 14361 0 1 1 E Buehler AVP Mortgage X 328193 324422 0 1 1 M Wessels VP Automobile X 32913 25651 0 1 1 M Wessels VP Automobile X 28755 27587 0 1 1 M Wessels VP Credit Card X 15000 14535 0 1 1 M Wessels VP Mortgage X 221169 196896 0 1 1 J Thacker AVP HELOC X 34000 33999 0 1 1 J Thacker AVP Automobile X 30464 22555 0 1 1 J Thacker AVP Automobile X 15003 10220 0 1 1 J Thacker AVP Credit Card X 9000 9164 0 1 1 J Thacker AVP Mortgage X 175300 139337 0 1 1 P Anderson VP Credit Card X 10000 938 0 1 1 P Anderson VP Credit Card X 20000 6705 0 1 1 D Hartmann VP Automobile X 63914 63914 0 1 1 D Hartmann VP Credit Card X 20000 13905 0 1 1 D Hartmann VP Mortgage X 320000 290633 0 1 1 D Tate AVP Automobile X 25000 8510 0 1 1 D Tate AVP Credit Card X 15000 185 0 1 1 D Tate AVP Mortgage X 160900 149380 0 1 1 7466071 Form 990, Part VI, Section A, Line 6 Form 990, Part VI, Section A, Line 6 - The Credit Union has approximately 133,000 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 by the Controller 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 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. Form 990, Part VI, Section C, Line 19 The Form 990 is available to the public upon written request. The IRS did not have the 990 listed as a required filing for our credit union for the years 2018 and 2019. I was told by an IRS agent when filing the 2018 return, to just mail it in as the agent was unable to determine the reason for the e-filing rejection. When filing our 2019 return, I got the same error, but the IRS agent I spoke to in Nov. 2020 told me the reason was the 990 wasn't listed as a required return and that he would fix the issue. He told me it takes 2-3 weeks for the IRS' system to update and to try filing the return again around Dec. 1, 2020. I agreed and am going to try the e-file again today, Nov. 30, 2020 to see if the system updated with the fix.