Missouri Credit Union: Form 990, tax year 2012
View the entire original 990 at ProPublica ↗
- Organization
- Missouri Credit Union (EIN 23-7024415)
- Tax period
- 2012-01-01 to 2012-12-31
- Filed
- 2013-08-13
- IRS object ID
- 201342259349302189
- Schema version
- 2012v2.1
- Source
- Download XML · Original 990 at ProPublica
Every field in the e-filed return. Faint text is the IRS element name, for citing.
Return header ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2013-08-13T14:15:28-05:00 | Timestamp |
| Tax Period End Date | 2012-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 420714325 | EIN |
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MCGLADREY LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 801 NICOLLET MALL SUITE 1100 | AddressLine1 |
| City | MINNEAPOLIS | City |
| State | MN | State |
| ZIP Code | 55402 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2012-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 237024415 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | MISSOURI CREDIT UNION | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | MISS | NameControl |
| Phone | 5738741477 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E BROADWAY | AddressLine1 |
| City | COLUMBIA | City |
| State | MO | State |
| ZIP Code | 65203 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | ROBERT P PERKINS | Name |
| Title | CFO | Title |
| Phone | 5738741477 | Phone |
| Date Signed | 2013-08-12 | DateSigned |
| Authorize Third Party | 1 | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | GERALD B KISSELL | Name |
| PTIN | P00092658 | PTIN |
| Phone | 6123324300 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2012 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Of Principal Officer Person | HAROLD JAMES | NameOfPrincipalOfficerPerson |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E BROADWAY | AddressLine1 |
| City | COLUMBIA | City |
| State | MO | State |
| ZIP Code | 65203 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 17132794 | GrossReceipts |
| Group Return For Affiliates | 0 | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.MISSOURICU.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1969 | YearFormation |
| State Legal Domicile | MO | StateLegalDomicile |
| Activity Or Mission Description | MISSOURI CREDIT UNION IS OPERATED FOR MUTUAL PURPOSES. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 13 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 13 | NbrIndependentVotingMembers |
| Total Nbr Employees | 139 | TotalNbrEmployees |
| Total Nbr Volunteers | 15 | TotalNbrVolunteers |
| Total Gross UBI | 112344 | TotalGrossUBI |
| Net Unrelated Business Txbl Income | -78415 | NetUnrelatedBusinessTxblIncome |
| Contributions Grants Prior Year | 0 | ContributionsGrantsPriorYear |
| Contributions Grants Current Year | 0 | ContributionsGrantsCurrentYear |
| Program Service Revenue Prior Year | 12498062 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 14996817 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 964991 | InvestmentIncomePriorYear |
| Investment Income Current Year | 1982956 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | 0 | OtherRevenuePriorYear |
| Other Revenue Current Year | 118337 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 13463053 | TotalRevenuePriorYear |
| Total Revenue Current Year | 17098110 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 35610 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 68000 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 751325 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 617948 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 5139825 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 5443943 | SalariesEtcCurrentYear |
| Total Prof Fundrsng Exp Prior Year | 0 | TotalProfFundrsngExpPriorYear |
| Total Prof Fundrsng Exp CY | 0 | TotalProfFundrsngExpCY |
| Total Fundrsng Exp Current Year | 0 | TotalFundrsngExpCurrentYear |
| Other Expense Prior Year | 6584802 | OtherExpensePriorYear |
| Other Expenses Current Year | 6801912 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 12511562 | TotalExpensesPriorYear |
| Total Expenses Current Year | 12931803 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 951491 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 4166307 | RevenuesLessExpensesCY |
| Total Assets BOY | 223294120 | TotalAssetsBOY |
| Total Assets EOY | 243592124 | TotalAssetsEOY |
| Total Liabilities BOY | 201671355 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 217801379 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 21622765 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 25790745 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | WE BELIEVE THAT MISSOURI CREDIT UNION:-SHOULD STRIVE TO EXTEND TO OUR FIELD OF MEMBERSHIP THE OPPORTUNITY TO PARTICIPATE IN SERVICES AND BENEFITS WHICH MEMBERSHIP PROVIDES.-SHOULD ENCOURAGE SOUND FINANCIAL MANAGEMENT THROUGH SAVINGS, THE WISE USE OF CREDIT AND CONSUMER EDUCATION.-SHOULD FOSTER AND PRACTICE THE PRINCIPLES OF COOPERATIVE POOLING AND UTILIZATION OF RESOURCES FOR THE ULTIMATE BENEFIT OF OUR MEMBER/OWNERS.-SHOULD MAINTAIN AND ENHANCE PARTICIPATION OF THE DEMOCRATIC PROCESS AT ALL LEVELS.-SHOULD ATTRACT AND DEVELOP THE BEST POSSIBLE HUMAN RESOURCES AT ALL LEVELS TO SERVICE OUR MEMBER/OWNERS.-SHOULD STRIVE TO MAINTAIN MEMBER/OWNER CONFIDENCE THROUGH PRUDENT FINANCIAL MANAGEMENT AND QUALITY SERVICE. | MissionDescription |
| Significant New Program Services | 0 | SignificantNewProgramServices |
| Significant Change | 0 | SignificantChange |
| Description | ONE OF THE CREDIT UNION'S PRIMARY PURPOSES IS TO PROVIDE CREDIT TO ITS MEMBERS AT A COMPETITIVE RATE. THE CREDIT UNION PROVIDES SECURED, UNSECURED AND REAL ESTATE LOANS TO ELIGIBLE MEMBERS. OUT OF 31,682 MEMBERS, THE CREDIT UNION HAD 19,404 LOANS OUTSTANDING AT 12/31/12, INCLUDING MORTGAGES SOLD WITH SERVICING RETAINED. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | THE CREDIT UNION OFFERS DEPOSIT SERVICES TO ELIGIBLE MEMBERS. THE CREDIT UNION OFFERS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, CERTIFICATES AND INDIVIDUAL RETIREMENT ACCOUNTS TO ALL MEMBERS. IN ORDER TO MAINTAIN A SHARE ACCOUNT, AN INDIVIDUAL MUST BE ELIGIBLE FOR MEMBERSHIP. AT 12/31/12, 61,099 DEPOSIT ACCOUNTS WERE BEING SERVICED. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | ONE OF THE DELIVERY CHANNELS FOR THE VARIOUS PRODUCTS IS ELECTRONIC DELIVERY. THE CREDIT UNION OFFERS DEBIT CARDS, ATM ACCESS, AUDIO RESPONSE ACCOUNT ACCESS, AND INTERNET ACCOUNT ACCESS. ALL SERVICES ARE OFFERED AT NO COST TO ELIGIBLE MEMBERS. THE CREDIT UNION BELONGS TO THE CO-OP ATM NETWORK WHICH ENABLES MEMBERS TO USE NETWORK RELATED ATMS NATIONWIDE WITH NO SURCHARGE. | Description |
Activity Other ActivityOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | THE CREDIT UNION ALSO PROVIDES DEBIT CARDS, BRANDED CREDIT CARDS, WIRE TRANSFERS, AND MOBILE BANKING TO ELIGIBLE MEMBERS. FIRST TIME HOME BUYERS HAVE UP TO $1,400 IN CLOSING COSTS WAIVED. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | 0 | DescribedIn501C3 |
| Schedule B Required | 0 | ScheduleBRequired |
| Political Activities | 0 | PoliticalActivities |
| Subject To Proxy Tax | 0 | SubjectToProxyTax |
| Donor Advised Funds | 0 | DonorAdvisedFunds |
| Conservation Easements | 0 | ConservationEasements |
| Collections Of Art | 0 | CollectionsOfArt |
| Credit Counseling | 1 | CreditCounseling |
| Term Or Permanent Endowments | 0 | TermOrPermanentEndowments |
| Report Land Bldg Equip | 1 | ReportLandBldgEquip |
| Report Invest Oth Securities | 1 | ReportInvestOthSecurities |
| Report Prog Rel Invest | 0 | ReportProgRelInvest |
| Report Other Assets | 0 | ReportOtherAssets |
| Report Other Liabilities | 1 | ReportOtherLiabilities |
| Report Fin48 Footnote | 0 | ReportFin48Footnote |
| Independent Audit Financial Stmt | 0 | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | 0 | ConsolidatedAuditFinancialStmt |
| School | 0 | School |
| Foreign Office | 0 | ForeignOffice |
| Foreign Activities | 0 | ForeignActivities |
| More Than5000 K To Organizations | 0 | MoreThan5000KToOrganizations |
| More Than5000 K To Individuals | 0 | MoreThan5000KToIndividuals |
| Professional Fundraising | 0 | ProfessionalFundraising |
| Fundraising Activities | 0 | FundraisingActivities |
| Gaming | 0 | Gaming |
| Hospital | 0 | Hospital |
| Grants To Organizations | 1 | GrantsToOrganizations |
| Grants To Individuals | 1 | GrantsToIndividuals |
| Schedule J Required | 1 | ScheduleJRequired |
| Tax Exempt Bonds | 0 | TaxExemptBonds |
| Loan To Officer Or DQP | 0 | LoanToOfficerOrDQP |
| Grant To Related Person | 0 | GrantToRelatedPerson |
| Bsnss Rltnshp With Organization | 0 | BsnssRltnshpWithOrganization |
| Bsnss Rltnshp Thru Family Member | 1 | BsnssRltnshpThruFamilyMember |
| Officer Entity With Bsnss Rltnshp | 0 | OfficerEntityWithBsnssRltnshp |
| Deductible Non Cash Contributions | 0 | DeductibleNonCashContributions |
| Deductible Contributions Of Art | 0 | DeductibleContributionsOfArt |
| Terminated | 0 | Terminated |
| Partial Liquidation | 0 | PartialLiquidation |
| Disregarded Entity | 0 | DisregardedEntity |
| Related Entity | 0 | RelatedEntity |
| Related Org Controlled Entity | 0 | RelatedOrgControlledEntity |
| Activities Conducted Partnership | 0 | ActivitiesConductedPartnership |
| Schedule O Required | 1 | ScheduleORequired |
| Number Forms Transmitted With1096 | 9512 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | 1 | ComplianceWithBackupWitholding |
| Number Of Employees | 139 | NumberOfEmployees |
| Employment Tax Returns Filed | 1 | EmploymentTaxReturnsFiled |
| Unrelated Business Income | 1 | UnrelatedBusinessIncome |
| Form990-T Filed | 1 | Form990-TFiled |
| Foreign Financial Account | 0 | ForeignFinancialAccount |
| Prohibited Tax Shelter Trans | 0 | ProhibitedTaxShelterTrans |
| Taxable Party Notification | 0 | TaxablePartyNotification |
| Non Deductible Contributions | 0 | NonDeductibleContributions |
| Indoor Tanning Services | 0 | IndoorTanningServices |
| Info In Schedule O Part VI | X | InfoInScheduleOPartVI |
| Nbr Voting Governing Body Members | 13 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 13 | NumberIndependentVotingMembers |
| Family Or Business Relationship | 0 | FamilyOrBusinessRelationship |
| Delegation Of Management Duties | 0 | DelegationOfManagementDuties |
| Changes To Organizing Docs | 0 | ChangesToOrganizingDocs |
| Material Diversion Or Misuse | 0 | MaterialDiversionOrMisuse |
| Members Or Stockholders | 1 | MembersOrStockholders |
| Election Of Board Members | 1 | ElectionOfBoardMembers |
| Decisions Subject To Approval | 1 | DecisionsSubjectToApproval |
| Minutes Of Governing Body | 1 | MinutesOfGoverningBody |
| Minutes Of Committees | 1 | MinutesOfCommittees |
| Officer Mailing Address | 0 | OfficerMailingAddress |
| Local Chapters | 1 | LocalChapters |
| Policies Reference Chapters | 1 | PoliciesReferenceChapters |
| Form990 Provided To Governing Body | 1 | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | 1 | ConflictOfInterestPolicy |
| Annual Disclosure Covered Persons | 1 | AnnualDisclosureCoveredPersons |
| Regular Monitoring Enforcement | 1 | RegularMonitoringEnforcement |
| Whistleblower Policy | 0 | WhistleblowerPolicy |
| Document Retention Policy | 1 | DocumentRetentionPolicy |
| Compensation Process CEO | 1 | CompensationProcessCEO |
| Compensation Process Other | 1 | CompensationProcessOther |
| Investment In Joint Venture | 0 | InvestmentInJointVenture |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | ROBERT PERKINS | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 5738741477 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 111 E BROADWAY | AddressLine1 |
| City | COLUMBIA | City |
| State | MO | State |
| ZIP Code | 65203 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (20 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| KEE GROSHONG | |||||||
| CHAIR | 0.50 | X | X | 0 | 0 | 0 | |
| HAROLD VIRGEN | |||||||
| 1ST VICE-CHAIR | 0.50 | X | X | 0 | 0 | 0 | |
| MARK KAISER | |||||||
| 2ND VICE CHAIR | 0.50 | X | X | 0 | 0 | 0 | |
| BRENDA FASKEN | |||||||
| SECRETARY | 0.50 | X | X | 0 | 0 | 0 | |
| HOWARD PYRON | |||||||
| TREASURER | 0.50 | X | X | 0 | 0 | 0 | |
| DON GREER | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| RANDY MORROW | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| RICHARD OTTO | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| DAVID PHILLIPPE | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| STEPHEN PRICE | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| ANNE ROBINSON | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| CHARLES TOUZEAU | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| SUSAN VAUGHN | |||||||
| DIRECTOR | 0.50 | X | 0 | 0 | 0 | ||
| HAROLD JAMES | |||||||
| PRESIDENT | 40.00 | X | 229585 | 0 | 43028 | ||
| ROBERT PERKINS | |||||||
| CFO | 40.00 | X | 142742 | 0 | 23133 | ||
| CHENGFAN XU | |||||||
| VICE PRESIDENT | 40.00 | 144646 | 0 | 31262 | X | ||
| DEANN BARTON | |||||||
| SR VICE PRESIDENT | 40.00 | 110272 | 0 | 13358 | X | ||
| ANTHONY ROSS SMITH | |||||||
| SR VICE PRESIDENT | 40.00 | 108939 | 0 | 13992 | X | ||
| SHERRI NEUNER | |||||||
| REAL ESTATE LOAN OFFICER | 40.00 | 106635 | 0 | 15771 | X | ||
| JESSICA JENKS | |||||||
| SR VICE PRESIDENT | 40.00 | 102660 | 0 | 35581 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 945479 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 176125 | TotalOtherCompensation |
| Number Individuals GT100 K | 7 | NumberIndividualsGT100K |
| Formers Listed | 0 | FormersListed |
| Total Comp GT150 K | 1 | TotalCompGT150K |
| Compensation From Other Sources | 0 | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (5 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| NATIONAL CREDIT UNION ADMINISTRATION | |||||
| PO BOX 979069 | ST LOUIS | MO | 63197 | DEPOSIT INSURANCE | 385046 |
| FEDERAL PROTECTION INC | |||||
| 2500 N AIRPORT COMMERCE DRIVE | SPRINGFIELD | MO | 65803 | SECURITY MONITORING | 287666 |
| JACK HENRY & ASSOCIATES INC | |||||
| PO BOX 609 | MONETT | MO | 65708 | SOFTWARE SALES/SUPPORT | 286269 |
| ROUTE 66 | |||||
| PO BOX 1075 | MOUNTAIN HOME | AK | 72654 | MECHANICAL REPAIR COVERAGE | 267910 |
| TROZZOLO COMMUNICATIONS GROUP | |||||
| 811 WYANDOTTE | KANSAS CITY | MO | 64105 | MARKETING | 249903 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 11 | NumberOfContractorsGT100K |
Program Service Revenue ProgramServiceRevenue (4 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| INTEREST ON MEMBER LOA | 522100 | 8851028 | 8851028 | |
| FEES AND CHARGES | 522100 | 4623957 | 4623957 | |
| MISCELLANEOUS OPERATING REVENUE | 522100 | 1367185 | 1312112 | 55073 |
| NON-INTEREST REVENUE | 522100 | 154647 | 97376 | 57271 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Program Service Revenue | 14996817 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 490619 | TotalRevenueColumn |
| Exclusion | $490,619 | ExclusionAmount |
Gross Rents GrossRents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 118337 | Real |
Less Rental Expenses LessRentalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 0 | Real |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 118337 | Real |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 118337 | TotalRevenueColumn |
| Exclusion | $118,337 | ExclusionAmount |
Gross Amount Sales Assets GrossAmountSalesAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 1527021 | Securities |
Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 25000 | Securities |
| Other | 9684 | Other |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 1502021 | Securities |
| Other | -9684 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 1492337 | TotalRevenueColumn |
| Exclusion | $1,492,337 | ExclusionAmount |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 17098110 | TotalRevenueColumn |
| Related Or Exempt Function Income | 14884473 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 112344 | UnrelatedBusinessRevenue |
| Exclusion | $2,101,293 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 50000 | Total |
Grants To Domestic Individuals GrantsToDomesticIndividuals
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 18000 | Total |
Benefits To Members BenefitsToMembers
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 617948 | Total |
Comp Current Officers Directors CompCurrentOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 406878 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3889659 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 244207 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 563601 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 339598 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 12010 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 58689 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 191520 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 604939 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1168694 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 988466 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 106841 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1793 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 100255 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 339639 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 201691 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| LOAN SERVICING | 2672325 |
| MARKETING & EDUCATION | 133595 |
| TAXES | 116530 |
| DUES | 73922 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 31003 | Total |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 12931803 | Total |
Cash Non Interest Bearing CashNonInterestBearing
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1802499 | BOY |
| EOY | 3085627 | EOY |
Accounts Receivable AccountsReceivable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1098700 | BOY |
| EOY | 2488371 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 153461372 | BOY |
| EOY | 158187412 | EOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 346159 | BOY |
| EOY | 271731 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 18608004 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 8749112 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 9999043 | BOY |
| EOY | 9858892 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 52886125 | BOY |
| EOY | 64579543 | EOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3700222 | BOY |
| EOY | 5120548 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 223294120 | BOY |
| EOY | 243592124 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8298909 | BOY |
| EOY | 7511659 | EOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 73724 | BOY |
| EOY | 275083 | EOY |
Escrow Account Liability EscrowAccountLiability
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 851001 | BOY |
| EOY | 1045269 | EOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 192447721 | BOY |
| EOY | 208969368 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 201671355 | BOY |
| EOY | 217801379 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Do Not Follow SFAS117 | X | DoNotFollowSFAS117 |
Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
| EOY | 0 | EOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 21622765 | BOY |
| EOY | 25790745 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 21622765 | BOY |
| EOY | 25790745 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 223294120 | BOY |
| EOY | 243592124 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Reconcilation Revenue Expenses | 4166307 | ReconcilationRevenueExpenses |
| Reconciliation Unrealized Invest | 1673 | ReconciliationUnrealizedInvest |
| Reconcilation Other Changes | 0 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | 0 | AccountantCompileOrReview |
| FS Audited | 1 | FSAudited |
FS Audited Basis FSAuditedBasis
| Field | Value | IRS element (for citing) |
|---|---|---|
| Financial Statement Separate | X | FinancialStatementSeparate |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Audit Committee | 1 | AuditCommittee |
| Federal Grant Audit Required | 0 | FederalGrantAuditRequired |
Schedule D IRS990ScheduleD
| Field | Value | IRS element (for citing) |
|---|---|---|
| Agent Trustee Etc | 0 | AgentTrusteeEtc |
| Included On FS | 1 | IncludedOnFS |
| Explanation In Part XIII | X | ExplanationInPartXIII |
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3248330 | OtherCostOrOtherBasis |
| Book Value | 3248330 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 6334634 | OtherCostOrOtherBasis |
| Depreciation | 1949749 | Depreciation |
| Book Value | 4384885 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3426792 | OtherCostOrOtherBasis |
| Depreciation | 2197768 | Depreciation |
| Book Value | 1229024 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3462541 | OtherCostOrOtherBasis |
| Depreciation | 2942078 | Depreciation |
| Book Value | 520463 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 2135707 | OtherCostOrOtherBasis |
| Depreciation | 1659517 | Depreciation |
| Book Value | 476190 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 9858892 | TotalOfBookValueLandBuildings |
Other Securities OtherSecurities (6 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| BANK CDS | 24931000 | F |
| DEPOSITS IN CORPORATE CREDIT UNION | 778020 | F |
| DEPOSITS IN FRB | 20728287 | F |
| DEPOSITS IN COMMERCIAL BANKS | 58142 | F |
| DEPOSITS IN FHLB | 1542794 | F |
| FEDERAL AGENCY SECURITIES | 16541300 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Securities | 64579543 | TotalOfBookValueSecurities |
Other Liabilities OtherLiabilities (2 entries)
| DescriptionDescription | AmountAmount |
|---|---|
| MEMBERS' SHARES AND DEPOSITS | $208,869,368 |
| CUSO INVESTMENT ALLOWANCE | $100,000 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 208969368 | TotalOfAmounts |
Form990 Schedule D Part XIII Form990ScheduleDPartXIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Reference | PART IV, LINE 2B: | ReturnReference |
| Explanation | THE CREDIT UNION COLLECTS FUNDS AND HOLDS THEM IN AN ESCROW ACCOUNT TO PAY TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS. THE CREDIT UNION ALSO HOLDS FUNDS IN ESCROW FOR REAL ESTATE LOANS THAT HAVE BEEN SOLD, BUT ARE STILL SERVICED BY MCU. THERE IS AN OFFSETTING ENTRY BECAUSE THE FUNDS ARE TECHNICALLY OWNED BY THE GOVERNMENT DEPOSITORS WHO OWN THE CORRESPONDING LOANS. | Explanation |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | 1 | RecordsMaintained |
Recipient Table RecipientTable
Recipient Name Business RecipientNameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CENTRAL MISSOURI AIR SERVICE FUND | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | ADMINISTRATION OFFICE 11300 SOUTH | AddressLine1 |
| Address Line2 | AIRPORT DRIVE | AddressLine2 |
| City | COLUMBIA | City |
| State | MO | State |
| ZIP Code | 65201 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN Of Recipient | 436000810 | EINOfRecipient |
| Amount Of Cash Grant | 50000 | AmountOfCashGrant |
| Purpose Of Grant | THIS FUND WAS ESTABLISHED BY CIVIC LEADERS IN THE LOCAL AREA TO HELP INSURE THE LOCAL AIRPORT WOULD CONTINUE TO OPERATE. | PurposeOfGrant |
Form990 Schedule I Part III Form990ScheduleIPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Type Of Grant | SCHOLARSHIP | TypeOfGrant |
| Number Of Recipients | 9 | NumberOfRecipients |
| Amount Of Cash Grant | 18000 | AmountOfCashGrant |
Form990 Schedule I Part IV Form990ScheduleIPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | PROCEDURE FOR MONITORING GRANTS IN THE U.S.: | Identifier |
| Return Reference | PART I, LINE 2: | ReturnReference |
| Explanation | SCHEDULE I, PART I, LINE 2: INDIVIDUAL SCHOLARSHIPS (GRANTS) ARE APPLIED FOR BY APPLICANTS ANNUALLY AND A COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE APPLICATIONS AND SELECTS CANDIDATES TO RECEIVE THE FUNDS. GRANTS TO ORGANIZATIONS ARE FILTERED THROUGH THE MARKETING DEPARTMENT, REVIEWED BY THE CEO AND ARE INCLUDED IN THE BUDGET THAT IS APPROVED BY THE BOARD OF DIRECTORS. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Compensation Committee | X | CompensationCommittee |
| Form990 Of Other Organizations | X | Form990OfOtherOrganizations |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | 0 | SeverancePayment |
| Supplemental Nonqual Retire Plan | 1 | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | 0 | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII (3 entries)
| TitleTitle | Base Compensation Filing OrgBaseCompensationFilingOrg | Comp Based On Related OrgsCompBasedOnRelatedOrgs | Bonus Filing OrgBonusFilingOrg | Bonus Related OrgsBonusRelatedOrgs | Other Compensation Filing OrgOtherCompensationFilingOrg | Other Compensation Related OrgsOtherCompensationRelatedOrgs | Deferred Comp Filing OrgDeferredCompFilingOrg | Deferred Comp Related OrgsDeferredCompRelatedOrgs | Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg | Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs | Total Compensation Filing OrgTotalCompensationFilingOrg | Total Compensation Related OrgsTotalCompensationRelatedOrgs | Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg | Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HAROLD JAMES | ||||||||||||||
| PRESIDENT | 209585 | 0 | 20000 | 0 | 0 | 0 | 29752 | 0 | 13276 | 0 | 272613 | 0 | 0 | 0 |
| ROBERT PERKINS | ||||||||||||||
| CFO | 130842 | 0 | 11900 | 0 | 0 | 0 | 8999 | 0 | 14134 | 0 | 165875 | 0 | 0 | 0 |
| CHENGFAN XU | ||||||||||||||
| VICE PRESIDENT | 135646 | 0 | 9000 | 0 | 0 | 0 | 23355 | 0 | 7907 | 0 | 175908 | 0 | 0 | 0 |
Form990 Schedule J Part III Form990ScheduleJPartIII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Reference | PART I, LINE 4B | ReturnReference |
| Explanation | THE FOLLOWING PARTICIPATED IN A 457(F), NON-QUALIFIED RETIREMENT PLAN: HAROLD E. JAMES JESSICA R. JENKS CHENGFAN XU NO AMOUNTS WERE DISBURSED DURING 2012. | Explanation |
Schedule L IRS990ScheduleL
Form990 Schedule L Part IV Form990ScheduleLPartIV
Name Of Interested Person NameOfInterestedPerson
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DANA J PERKINS DBA CREATIVE TRAINING CONCEPTS INC | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Relationship | SPOUSE OF OFFICER | Relationship |
| Amount Of Transaction | 36000 | AmountOfTransaction |
| Description Of Transaction | CREATIVE TRAINING CONCEPTS, INC. PROVIDES CONSULTING SERVICES RELATED TO TRAINING EMPLOYEES. | DescriptionOfTransaction |
| Sharing Of Revenues | 0 | SharingOfRevenues |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (8 entries)
| Return ReferenceReturnReference | ExplanationExplanation |
|---|---|
| FORM 990, PART I, LINE 6, TOTAL NUMBER OF VOLUNTEERS: | THE 15 VOLUNTEERS CONSISTED OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE. |
| FORM 990, PART VI, SECTION A, LINE 6 | THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS. |
| FORM 990, PART VI, SECTION A, LINE 7A | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE. |
| FORM 990, PART VI, SECTION A, LINE 7B | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| FORM 990, PART VI, SECTION B, LINE 11 | FORM 990 DATA WILL BE REVIEWED BY EXECUTIVE MANAGEMENT AND THE BOARD OF DIRECTORS PRIOR TO ITS AUTHORIZING ITS SUBMISSION. |
| FORM 990, PART VI, SECTION B, LINE 12C | ALL VOLUNTEERS AND ELECTED OFFICIALS SIGN AN OATH OF OFFICE REGARDING CONFLICT OF INTEREST. CONFLICT OF INTEREST IS SPECIFICALLY NOTED IN THE MCU HR POLICY AND REVIEWED WITH ALL STAFF. ANY MCU STAFF FOUND TO ENGAGE IN THESE BEHAVIORS ARE IMMEDIATELY DISCIPLINED, UP TO AND INCLUDING TERMINATION. IN ADDITION ALL MCU STAFF ARE REQUIRED TO ANNUALLY TAKE CONTINUING TRAINING WHICH INCLUDES TESTING ON THESE AND OTHER SIGNIFICANT TOPICS. |
| FORM 990, PART VI, SECTION B, LINE 15 | LOCAL MARKET DATA OF INDIVIDUAL SALARY AND BENEFIT PACKAGES IN THE LOCAL REGION IS PROVIDED CONTINUALLY VIA THE HIRING PROCESS FOR ALL POSITIONS BY HUMAN RESOURCES STAFF. IN ADDITION 3RD PARTY DATA IS ALSO PURCHASED, AVAILABLE AND UPDATED ON A CONTINUING BASIS. LONG TERM COMPENSATION OBJECTIVES HAVE FOCUSED ON STAFF RETENTION BY PROVIDING AND MAINTAINING PAY AND BENEFITS PACKAGES FOR ANY AND ALL STAFF IN THE UPPER 25TH QUADRANT OF ANY OF THESE MARKET INDICATORS. ALSO ALL STAFF HAVE WRITTEN ANNUAL EVALUATIONS TO ASSESS ACHIEVEMENT DURING THE PERIOD OF ESTABLISHED MCU GOALS AND OBJECTIVES. ALL SALARIES AND BENEFITS PACKAGES OF ALL SENIOR MANAGEMENT ARE REVIEWED ANNUALLY BY THE PRESIDENT/CEO AND THE BOARD OF DIRECTORS. |
| FORM 990, PART VI, SECTION C, LINE 19 | FINANCIAL STATEMENTS ARE POSTED IN LOBBY. OTHER DOCUMENTS ARE MADE AVAILABLE UPON REQUEST IF REQUIRED BY LAW. |