2025-10-17T17:24:54-07:00 2024-12-31 990 2024-01-01 430160998 Together Credit Union TOGE 3147717700 423 Lynch Street Saint Louis MO 63118 Teresa Wheadon Director Accounting 3146579418 2025-10-17 1 2024 2025-03-06 01:10:19Z Robert McKay 423 Lynch Street Saint Louis MO 63118 158756041 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 142,000 9 9 521 14 113548 0 0 0 122481021 135125239 13058329 23630802 0 0 135539350 158756041 0 0 0 0 43903513 46515874 0 0 0 85650744 105746938 129554257 152262812 5985093 6493229 2417889259 2526424909 2216522080 2315552289 201367179 210872620 All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 142,000 0 0 102901567 0 107289792 Loans to members 26696958 0 27835447 Service fees 22664287 0 23630802 Investments 0 0 0 152262812 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 1 521 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 Teresa Wheadon 3146579418 423 Lynch Street Saint Louis MO 63118 R McKay President/CEO 40 X X X 727056 0 988220 M Dougherty CLO 40 X X 344726 0 199459 D Wyatt CIO 40 X X X 397987 0 30855 C Trunko CPO 40 X X X X 412723 0 10248 E Belshe Chief Admin & Legal Officer 40 X X X 389040 0 20001 T Kraus COO 40 X X X 347182 0 54419 L Skube CFO 40 X X X 301955 0 20776 J Moran VP 40 X X 253484 0 55910 J Cromer VP 40 X X 263004 0 24283 N Scudieri VP 40 X X 233423 0 44770 K Kunze VP 40 X X 219046 0 43937 P Sheahan VP 40 X X 225119 0 36419 M Imo-Moffitt MLO 40 X 209874 0 43356 J Criswell VP 40 X X 207485 0 43269 S Mueller VP 40 X X 206138 0 41872 P Scheibal Director 40 X X 214391 0 33276 G Vernon MLO 40 X 201682 0 42865 P Ricra Director 40 X 199838 0 44398 C Lindauer VP 40 X X 197191 0 44602 M Thinger VP 40 X X 210316 0 17497 D Brockett Manager 40 X 166331 0 40389 J Boyer VP 40 X X X 183479 0 13332 C Klauke Assoc Board Member 0 X 2941 0 0 S Stobbs Board Member 0 X 1350 0 0 R Kraus Board Member 0 X 1231 0 0 K Wesselschmidt Assoc Board Member 0 X 567 0 0 T Jacobs Assoc Board Member 0 X 311 0 0 A Saferite Assoc Board Member 0 X 0 0 0 A Dierkes Board Member 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 Assoc Board Member 0 X 0 0 0 6117870 0 1894153 68 1 1 0 PSCU 560 Carillon Parkway Saint Petersburg FL 33716 Card Processing 6112320 VISA PO Box 8999 San Francisco CA 94128 Card services provider 2313147 RSM 5155 Payshere Circle Chicago IL 60674 IT Consulting 2109352 Digital First Holdings LLC 4 Concourse Parkway Suite 400 Atlanta GA 30328 Online and Mobile Banking Service 1607706 St Louis City SC PO Box 16620 Saint Louis MO 63105 Sponsorship 1551175 60 0 0 0 0 0 0 0 0 Income from Loans 522130 107289792 107289792 0 0 Income from Fees 522130 27835447 27721899 113548 0 0 0 0 0 135125239 23630802 23630802 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 158756041 158642493 113548 0 0 0 0 0 0 0 0 0 8005623 8005623 0 0 0 0 0 0 25926208 25926208 0 0 1927117 1927117 0 0 8376931 8376931 0 0 2279995 2279995 0 0 518753 518753 0 0 184383 184383 0 0 411264 411264 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3750394 3750394 0 0 8564273 8564273 0 0 8500212 8500212 0 0 0 0 0 0 2738782 2738782 0 0 832458 832458 0 0 0 0 0 0 210352 210352 0 0 51234148 51234148 0 0 0 0 0 0 4359451 4359451 0 0 460694 460694 0 0 Provision for Loan Loss 11400000 11400000 0 0 Loan Servicing 8017562 8017562 0 0 ATM/ITM Expenses 1160794 1160794 0 0 All Other expenses 3403418 3403418 0 0 152262812 152262812 0 0 9652166 8970973 59059 51415 0 0 5873650 9623092 5922312 6066881 0 0 1919144988 1943749597 0 0 19569306 15811002 93786242 45963470 49489200 47822772 365384990 451482796 0 0 0 0 0 0 42793588 42846381 2417889259 2526424909 25204326 26581484 0 0 950156 658825 0 0 0 0 0 0 190000000 152500000 0 0 2000367598 2135811980 2216522080 2315552289 X 0 0 0 0 201367179 210872620 201367179 210872620 2417889259 2526424909 6493229 3012212 0 0 0 0 X 1 X 1 X 1 0 0 14451230 14451230 0 38306115 14222782 24083333 0 1232931 1124258 108673 0 28370010 23733919 4636091 0 11425956 6882511 4543445 47822772 0 Savings Accounts 425220335 IRA Accounts 110548383 Certificates of Deposit 542876105 Money Market Accounts 622728216 Checking Accounts 350362697 Business Deposits 84076244 2135811980 158756041 0 0 0 0 0 158756041 0 0 0 158756041 152262812 0 0 0 0 0 152262812 0 0 0 152262812 X 1 1 X X X X 1 1 0 R McKay President/CEO 705902 0 0 0 21155 0 966722 0 21498 0 1715277 0 M Dougherty CLO 291924 0 40000 0 12803 0 177062 0 22396 0 544185 0 C Trunko CPO 298444 0 45000 0 69279 0 6837 0 3411 0 422971 0 D Wyatt CIO 328740 0 60000 0 9247 0 21596 0 9258 0 428841 0 E Belshe Chief Admin & Legal Officer 327000 0 54000 0 8040 0 19693 0 308 0 409041 0 T Kraus COO 296235 0 40000 0 10947 0 20652 0 33767 0 401601 0 L Skube CFO 251223 0 30000 0 20731 0 17576 0 3200 0 322730 0 J Cromer VP 211936 0 48250 0 2818 0 14974 0 9310 0 287288 0 J Moran VP 225067 0 21000 0 7417 0 25343 0 30567 0 309394 0 N Scudieri VP 208955 0 23000 0 1468 0 14203 0 30567 0 278193 0 P Sheahan VP 205319 0 17500 0 2300 0 13717 0 22701 0 261537 0 K Kunze VP 199089 0 19000 0 957 0 13371 0 30567 0 262984 0 P Scheibal Director 192972 0 17000 0 4419 0 12778 0 20498 0 247667 0 M Thinger VP 195988 0 13500 0 828 0 12759 0 4738 0 227813 0 M Imo-Moffitt MLO 22138 0 187255 0 482 0 12799 0 30557 0 253231 0 J Criswell VP 192934 0 14000 0 550 0 12702 0 30567 0 250753 0 S Mueller VP 187569 0 18000 0 569 0 11305 0 30567 0 248010 0 G Vernon MLO 22232 0 178970 0 480 0 12298 0 30567 0 244547 0 P Ricra Director 189050 0 10200 0 589 0 12330 0 32067 0 244236 0 C Lindauer VP 177886 0 17000 0 2305 0 12130 0 32472 0 241793 0 J Boyer VP 50667 0 18000 0 114812 0 3914 0 9419 0 196812 0 D Brockett Manager 97859 0 68058 0 414 0 10006 0 30383 0 206720 0 Schedule J, Part I, Line 1a Board Member spouse travel: C Klauke $2,941; R Kraus $1,231; K Wesselschmidt $567; T Jacobs $311; S Stobbs $1,350 Schedule J, Part I, Line 4 question 4a - C Trunko, Severance - $298,201; J Boyer, Severance - $103,501; question 4b - R McKay, Supplemental Retirement Plan payout $300,000; M Dougherty, Supplemental Retirement Plan Payout $250,000 A Saferite Assoc Board Member Credit Card X 1 16874 0 1 1 A Saferite Assoc Board Member Automobile X 47792 27847 0 1 1 A Saferite Assoc Board Member HELOC X 55000 53389 0 1 1 C Klauke Assoc Board Member Credit Card X 1 4140 0 1 1 C Klauke Assoc Board Member Mortgage X 172000 111340 0 1 1 C Klauke Assoc Board Member Automobile X 33554 30963 0 1 1 J Mize Assoc Board Member Mortgage X 350212 294455 0 1 1 J Mize Assoc Board Member Mortgage X 652500 591712 0 1 1 J Mize Assoc Board Member Automobile X 21599 21599 0 1 1 T Jacobs Assoc Board Member Automobile X 35499 17673 0 1 1 A Dierkes Board Member Mortgage X 173000 25818 0 1 1 A Dierkes Board Member Credit Card X 1 115 0 1 1 A Dierkes Board Member Credit Card X 1 314 0 1 1 A Dierkes Board Member Automobile X 6400 1739 0 1 1 A Dierkes Board Member Credit Card X 1 2770 0 1 1 B Tuffli Board Member Credit Card X 1 2 0 1 1 J Fugel Board Member Credit Card X 1 487 0 1 1 J Fugel Board Member Credit Card X 1 3012 0 1 1 J Fugel Board Member Automobile X 12311 6126 0 1 1 M Harris Board Member Mortgage X 255848 232192 0 1 1 M Chapman Board Member Student Loan X 40301 52423 0 1 1 M Chapman Board Member Automobile X 29626 17800 0 1 1 M Chapman Board Member Automobile X 19347 17730 0 1 1 S Stobbs Board Member Credit Card X 30000 77 0 1 1 S Stobbs Board Member HELOC X 23005 22955 0 1 1 S Stobbs Board Member Mortgage X 85000 77657 0 1 1 S Stobbs Board Member Automobile X 48854 48854 0 1 1 L Skube Employee Credit Card X 1 14350 0 1 1 L Skube Employee Mortgage X 309000 268447 0 1 1 L Skube Employee Automobile X 30000 7484 0 1 1 L Skube Employee Automobile X 13500 5158 0 1 1 L Skube Employee HELOC X 177000 177000 0 1 1 M Dougherty Employee Mortgage X 565000 399361 0 1 1 M Dougherty Employee Mortgage X 290000 262573 0 1 1 R McKay Employee Credit Card X 1 8310 0 1 1 R McKay Employee Mortgage X 778300 497860 0 1 1 T Kraus Employee Credit Card X 1 17 0 1 1 T Kraus Employee Mortgage X 399600 350788 0 1 1 T Kraus Employee Automobile X 19177 9060 0 1 1 T Kraus Employee Student Loan X 66258 65249 0 1 1 T Kraus Employee Student Loan X 50929 50913 0 1 1 T Kraus Employee Automobile X 10539 9441 0 1 1 T Kraus Employee Credit Card X 1 37 0 1 1 T Kraus Employee Automobile X 13955 13408 0 1 1 T Kraus Employee HELOC X 144000 117697 0 1 1 T Kraus Employee Automobile X 30254 29619 0 1 1 G Vernon Employee Mortgage X 182750 75721 0 1 1 G Vernon Employee Mortgage X 157250 131119 0 1 1 G Vernon Employee Mortgage X 229500 219251 0 1 1 G Vernon Employee Automobile X 12304 10329 0 1 1 G Vernon Employee HELOC X 135000 63643 0 1 1 J Moran Employee Credit Card X 1 16577 0 1 1 J Moran Employee Credit Card X 1 222 0 1 1 J Moran Employee Mortgage X 212 152847 0 1 1 J Moran Employee Automobile X 34478 3914 0 1 1 J Moran Employee Credit Card X 1 1398 0 1 1 J Moran Employee HELOC X 114000 64133 0 1 1 J Moran Employee Automobile X 49697 32219 0 1 1 J Moran Employee Automobile X 19500 11830 0 1 1 J Moran Employee Secured X 1500 82 0 1 1 J Cromer Employee Mortgage X 437600 433355 0 1 1 K Kunze Employee Credit Card X 1 2292 0 1 1 K Kunze Employee Line of Credit X 19000 15404 0 1 1 K Kunze Employee Mortgage X 340000 304994 0 1 1 K Kunze Employee HELOC X 150000 137046 0 1 1 M Imo-Moffitt Employee Mortgage X 339500 244750 0 1 1 M Imo-Moffitt Employee Mortgage X 187800 141862 0 1 1 P Scheibal Employee HELOC X 38000 36754 0 1 1 P Sheahan Employee Credit Card X 1 23 0 1 1 P Sheahan Employee Credit Card X 1 277 0 1 1 6066877 Form 990, Part VI, Section A, Line 6 The Credit Union has approximately 142,000 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.