Form 990 for tax year 2025

Revenue

Part VIII, the statement of revenue.

• 2a · Program service revenue: INTEREST ON LOANS

  total $40,709,666 · related or exempt $40,709,666

• 2b · Program service revenue: FEES & OTHER INCOME

  total $12,137,510 · related or exempt $11,987,278 · unrelated business $150,232

• 2c · Program service revenue: WARRANTY SALES & OTHER INSURANCE

  total $58,513 · unrelated business $58,513

• 3 · Investment income

  total $6,269,963 · related or exempt $6,269,963

• 5 · Royalties

  total $63,637 · related or exempt $63,637

• 7a · Gross sales of assets other than inventory

  securities $3,504,098 · other assets $600,000

• 7b · Less cost or other basis and sales expenses

  securities $3,513,936 · other assets $705,172

• 7c · Gain or loss

  securities -$9,838 · other assets -$105,172

• 7d · Net gain or loss

  total -$115,010 · related or exempt -$115,010

Functional expenses

Part IX, the statement of functional expenses.

• 1 · Grants to domestic organizations and governments

  total $308,851

• 2 · Grants to domestic individuals

  total $23,179

• 5 · Compensation of officers, directors and key employees

  total $2,768,408

• 7 · Other salaries and wages

  total $12,998,398

• 8 · Pension plan contributions

  total $355,286

• 9 · Other employee benefits

  total $1,215,525

• 10 · Payroll taxes

  total $959,090

• 11b · Fees: legal

  total $31,358

• 11c · Fees: accounting

  total $149,144

• 11g · Fees: other

  total $744,951

• 12 · Advertising and promotion

  total $878,582

• 13 · Office expenses

  total $5,258,443

• 14 · Information technology

  total $3,627,661

• 16 · Occupancy

  total $1,329,369

• 17 · Travel

  total $62,925

• 19 · Conferences, conventions and meetings

  total $74,064

• 20 · Interest

  total $878,767

• 22 · Depreciation, depletion and amortization

  total $1,609,382

• 23 · Insurance

  total $187,300

• 24a · Other expenses: MEMBER DIVIDENDS

  total $13,670,394

• 24b · Other expenses: PROVISION FOR LOAN LOSS

  total $7,475,740

• 24c · Other expenses: LOAN SERVICING

  total $1,623,102

• 24d · Other expenses: DUES & SUBSCRIPTIONS

  total $67,180

• 24e · All other expenses

  total $47,122

Balance sheet

Part X, book values.

• 1 · Cash, non-interest-bearing

  beginning of year $12,256,428 · end of year $12,747,157

• 2 · Savings and temporary cash investments

  beginning of year $46,544,653 · end of year $68,508,111

• 4 · Accounts receivable

  beginning of year $1,453,251 · end of year $1,859,190

• 5 · Loans and receivables from officers and key people

  beginning of year $6,111,684 · end of year $11,739,197

• 7 · Other notes and loans receivable

  beginning of year $588,071,069 · end of year $569,194,050

• 9 · Prepaid expenses and deferred charges

  beginning of year $1,822,611 · end of year $1,732,959

• 10a · Land, buildings and equipment: cost or other basis

  $33,609,468

• 10b · Land, buildings and equipment: accumulated depreciation

  $10,782,462

• 10c · Land, buildings and equipment, net

  beginning of year $24,275,895 · end of year $22,827,006

• 12 · Investments: other securities

  beginning of year $107,807,088 · end of year $124,327,211

• 15 · Other assets

  beginning of year $17,777,884 · end of year $17,323,325

• 17 · Accounts payable and accrued expenses

  beginning of year $7,729,564 · end of year $8,645,948

• 23 · Secured mortgages and notes payable

  beginning of year $22,766,510 · end of year $15,777,865

• 25 · Other liabilities

  beginning of year $693,999,407 · end of year $720,897,327

• 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 $81,625,082 · end of year $84,937,066

The filer's explanations (Part III)

PART I, LINE 3

THE PRESIDENT/CEO'S COMPENSATION IS SET BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS, APPROVED BY THE FULL BOARD AND IS PURSUANT TO A WRITTEN EMPLOYMENT CONTRACT. MANY EXTERNAL SOURCES FOR COMPARISON ARE REVIEWED, INCLUDING BUT NOT LIMITED TO COMPEASE SALARY SURVEYS, OTHER CREDIT UNION 990S, PEER SALARY DATA WHERE AVAILABLE, AND PREVIOUS YEAR'S COMPENSATION DATA.

PART I, LINE 4B

THE CREDIT UNION HAS COLLATERAL ASSIGNMENT SPLIT DOLLAR LIFE INSURANCE ARRANGEMENTS WITH THE FOLLOWING OFFICERS: - GREG WINKLER, PRESIDENT/CEO - LISA BROWN, SVP-ADMINISTRATION/CAO - BRENTT MOON, SVP-OPERATIONS & INFORMATION SYSTEMS/CIO - SHERYL DICK, SVP-RETAIL SERVICES/CRO - DAVID LINDERMAN - CHIEF FINANCIAL OFFICER - HANNAH ANDERSON - SVP-LENDING/CLO - JENNIFER KEIM - SVP-COMPLIANCE/CCO SEE SCHEDULE L FOR FURTHER DETAILS, INCLUDING THE RELATED LOANS OUTSTANDING AT YEAR END.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

• CROCO CUSO LLC

  CREDIT UNION SERVICE ORGANIZATION (DORMANT) · KS