Totals
- Total revenue
- $35,965,124
- Total expenses
- $35,740,803
- Contributions and grants received
- $0
- Grants paid
- $12,000
- Program service revenue
- $33,955,557
- Investment income
- $1,904,781
- Other revenue
- $104,786
- Total assets, end of year
- $532,754,229
- Total liabilities, end of year
- $472,665,461
- Net assets or fund balances, end of year
- $60,088,768
- Program services expenses (Part IX)
- not reported
- Management and general expenses
- not reported
- Fundraising expenses
- not reported
- Program service expenses (Part III)
- not reported
Line items
Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.
Revenue
Part VIII, the statement of revenue.
-
2a · Program service revenue: INTEREST ON LOANS
total $22,883,714 · related or exempt $22,883,714
-
2b · Program service revenue: FEES & OTHER INCOME
total $11,048,728 · related or exempt $10,941,118 · unrelated business $107,610
-
2c · Program service revenue: WARRANTY SALES
total $23,115 · unrelated business $23,115
-
3 · Investment income
total $3,171,543 · related or exempt $3,171,543
-
5 · Royalties
total $104,786 · related or exempt $104,786
-
7a · Gross sales of assets other than inventory
other assets $2,575,187
-
7b · Less cost or other basis and sales expenses
securities $42 · other assets $3,841,907
-
7c · Gain or loss
securities -$42 · other assets -$1,266,720
-
7d · Net gain or loss
total -$1,266,762 · related or exempt -$1,266,762
Functional expenses
Part IX, the statement of functional expenses.
-
2 · Grants to domestic individuals
total $12,000
-
5 · Compensation of officers, directors and key employees
total $1,891,523
-
7 · Other salaries and wages
total $8,192,097
-
8 · Pension plan contributions
total $255,531
-
9 · Other employee benefits
total $881,948
-
10 · Payroll taxes
total $701,260
-
11a · Fees: management
total $96,233
-
11b · Fees: legal
total $93,417
-
11c · Fees: accounting
total $205,575
-
11g · Fees: other
total $224,462
-
12 · Advertising and promotion
total $969,123
-
13 · Office expenses
total $2,981,605
-
14 · Information technology
total $2,944,025
-
16 · Occupancy
total $935,257
-
19 · Conferences, conventions and meetings
total $173,555
-
20 · Interest
total $285,221
-
22 · Depreciation, depletion and amortization
total $1,393,465
-
23 · Insurance
total $262,653
-
24a · Other expenses: MEMBER DIVIDENDS & INTE
total $7,714,476
-
24b · Other expenses: PROVISION FOR LOAN LOSS
total $4,073,262
-
24c · Other expenses: LOAN SERVICING
total $652,501
-
24d · Other expenses: OVER/SHORT & OTHER LOSS
total $630,156
-
24e · All other expenses
total $171,458
Balance sheet
Part X, book values.
-
1 · Cash, non-interest-bearing
beginning of year $6,988,524 · end of year $5,876,664
-
2 · Savings and temporary cash investments
beginning of year $18,480,985 · end of year $42,300,406
-
4 · Accounts receivable
beginning of year $12,685,664 · end of year $21,662,877
-
7 · Other notes and loans receivable
beginning of year $374,915,472 · end of year $395,330,437
-
9 · Prepaid expenses and deferred charges
beginning of year $718,774 · end of year $901,783
-
10a · Land, buildings and equipment: cost or other basis
$34,375,441
-
10b · Land, buildings and equipment: accumulated depreciation
$13,985,459
-
10c · Land, buildings and equipment, net
beginning of year $17,343,725 · end of year $20,389,982
-
12 · Investments: other securities
beginning of year $47,775,868 · end of year $39,249,129
-
15 · Other assets
beginning of year $12,191,528 · end of year $7,042,951
-
17 · Accounts payable and accrued expenses
beginning of year $2,814,377 · end of year $3,118,726
-
21 · Escrow or custodial account liability
beginning of year $475,257 · end of year $794,470
-
23 · Secured mortgages and notes payable
beginning of year $3,500,000 · end of year $1,000,000
-
25 · Other liabilities
beginning of year $425,367,030 · end of year $467,752,265
-
29 · Capital stock, trust principal or current funds
beginning of year $0 · end of year $0
-
30 · Paid-in or capital surplus, or land, building or equipment fund
beginning of year $0 · end of year $0
-
31 · Retained earnings, endowment or other funds
beginning of year $58,943,876 · end of year $60,088,768
Mission and programs · 2024
Mission
PROVIDING AWESOME MEMBER EXPERIENCES THROUGH INNOVATIVE PRODUCTS, SUPERIOR SERVICE AND TRUSTED ADVICE, WHILE STRENGTHENING OUR COMMUNITY WITH FINANCIAL EDUCATION. WE ARE DEDICATED TO THE SUCCESS OF OUR MEMBERS AND EMPLOYEES TO ENSURE WE ARE THE FINANCIAL INSTITUTION OF CHOICE.
-
PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 49,168 MEMBERS.
-
PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, LOANS OUTSTANDING TOTALED $395,530,122.
-
PAID DIVIDENDS AND INTEREST ON MEMBER SHARES AND DEPOSITS TOTALING $7,714,476 FOR THE YEAR.
As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.
Listed in Part VII
-
Travist WigginsTRAVIST WIGGINS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Lee VandusenLEE VANDUSEN
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Kenneth LeachKENNETH LEACH
CHAIRMAN
- Total calculated
- $0
- Hours/week
- 5
-
James HobbsJAMES HOBBS
VICE CHAIRMAN
- Total calculated
- $0
- Hours/week
- 5
-
Eunice BeckwithEUNICE BECKWITH
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Cheryl AnthonyCHERYL ANTHONY
BOARD SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Anthony HarrisANTHONY HARRIS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 5
-
Alfredia SmithALFREDIA SMITH
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Tracy TaylorTRACY TAYLOR
CHIEF LENDING OFFICER
- Total calculated
- $256,455
- From this org
- $235,911
- From related orgs
- $0
- Other
- $20,544
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $225,745
- Bonus
- $6,130
- Other
- $4,036
- Deferred
- $12,453
- Nontaxable benefits
- $8,091
- Filer's total
- $256,455
-
Paula AndersonPAULA ANDERSON
SENIOR VICE PRESIDENT-MARK
- Total calculated
- $176,905
- From this org
- $146,357
- From related orgs
- $0
- Other
- $30,548
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $142,316
- Bonus
- $4,041
- Other
- $0
- Deferred
- $8,660
- Nontaxable benefits
- $21,888
- Filer's total
- $176,905
-
Michael EconomonMICHAEL ECONOMON
SENIOR VICE PRESIDENT-INFO
- Total calculated
- $255,626
- From this org
- $225,780
- From related orgs
- $0
- Other
- $29,846
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $219,718
- Bonus
- $6,062
- Other
- $0
- Deferred
- $13,874
- Nontaxable benefits
- $15,972
- Filer's total
- $255,626
-
Kendra MartinKENDRA MARTIN
CHIEF MEMBER EXPERIENCE OF
- Total calculated
- $210,378
- From this org
- $191,090
- From related orgs
- $0
- Other
- $19,288
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $186,038
- Bonus
- $5,052
- Other
- $0
- Deferred
- $11,129
- Nontaxable benefits
- $8,159
- Filer's total
- $210,378
-
Jason HeathJASON HEATH
PRESIDENT/CEO
- Total calculated
- $554,538
- From this org
- $519,296
- From related orgs
- $0
- Other
- $35,242
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $439,818
- Bonus
- $72,278
- Other
- $7,200
- Deferred
- $20,700
- Nontaxable benefits
- $14,542
- Filer's total
- $554,538
-
Janice BennettJANICE BENNETT
VICE PRESIDENT-FINANCE
- Total calculated
- $212,888
- From this org
- $187,876
- From related orgs
- $0
- Other
- $25,012
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $182,876
- Bonus
- $5,000
- Other
- $0
- Deferred
- $10,859
- Nontaxable benefits
- $14,153
- Filer's total
- $212,888
-
David WilhelmDAVID WILHELM
CHIEF TEAM MEMBER EXPERIEN
- Total calculated
- $324,733
- From this org
- $190,903
- From related orgs
- $0
- Other
- $133,830
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $185,682
- Bonus
- $5,221
- Other
- $0
- Deferred
- $11,942
- Nontaxable benefits
- $121,888
- Filer's total
- $324,733
-
Arik BurnsARIK BURNS
DIRECTOR MORTGAGE PRODUCTION
- Total calculated
- $146,244
- From this org
- $122,765
- From related orgs
- $0
- Other
- $23,479
- Hours/week
- 50
-
Julius SimsJULIUS SIMS
VICE PRESIDENT REMOTE SERVICES
- Total calculated
- $137,382
- From this org
- $126,449
- From related orgs
- $0
- Other
- $10,933
- Hours/week
- 50
-
Jessica BiraJESSICA BIRA
DIRECTOR-HUMAN RESOURCES
- Total calculated
- $143,090
- From this org
- $129,107
- From related orgs
- $0
- Other
- $13,983
- Hours/week
- 50
-
Chris BarnettCHRIS BARNETT
DIRECTOR INNOVATION & PREJECT MGMT
- Total calculated
- $175,010
- From this org
- $161,100
- From related orgs
- $0
- Other
- $13,910
- Hours/week
- 50
Schedule J breakdown matched by us
- Base
- $156,418
- Bonus
- $4,682
- Other
- $0
- Deferred
- $5,819
- Nontaxable benefits
- $8,091
- Filer's total
- $175,010
-
Kathy FloydKATHY FLOYD
SENIOR FINANCIAL ANALYST
- Total calculated
- $130,660
- From this org
- $130,257
- From related orgs
- $0
- Other
- $403
- Hours/week
- 50
Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.
Schedule J
Answered yes
- 3 · Written employment contract
- 3 · Approval by the board or compensation committee
Answered no
- 4a · Severance or change-of-control payment
- 4b · Supplemental nonqualified retirement plan
- 4c · Equity-based compensation arrangement
The filer's explanations (Part III)
- PART I, LINE 3
- ON AN ANNUAL BASIS, THE BOARD OF DIRECTORS REVIEWS THE PERFORMANCE OF THE PRESIDENT/CEO AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES.
Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.
Grants on this return
No itemized grants to organizations on this return.
Taxable family on this return
Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.
Disregarded entities
Part I: entities that legally are the filer and file no return of their own.
-
NCUSO LLC
RENTAL PROPERTY · MO · income $262,752 · assets $3,636,438
Provenance
- Return type
- form_990
- Tax year
- 2024
- Filed
- 3 November 2025
- IRS schema version
- 2024v5.2
- Source object
- 202523079349301667
Check it against the return as filed: the GivingTuesday Data Lake hosts a public copy of the original XML.
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