Columbia, MO
4 risk indicators measuring financial stability and operational resilience
Sign in with your work email to view Tuckman-Chang indicators
Sign In — Free (10 views/day)Missouri Credit Union, founded in 1969, is a mid-sized nonprofit that reported $33.4M in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.4M, a strong 16% operating margin.
WE BELIEVE THAT MISSOURI CREDIT UNION: -STRIVES TO EXTEND TO OUR FIELD OF MEMBERSHIP THE OPPORTUNITY TO PARTICIPATE IN SERVICES AND BENEFITS WHICH MEMBERSHIP PROVIDES; -ENCOURAGE SOUND FINANCIAL MANAGEMENT THROUGH SAVINGS, THE WISE USE OF CREDIT AND CONSUMER EDUCATION; -FOSTERS AND PRACTICES THE PRINCIPLES OF COOPERATIVE POOLING AND UTILIZATION OF RESOURCES FOR THE ULTIMATE BENEFIT OF OUR MEMBER/OWNERS; -MAINTAINS AND ENHANCES PARTICIPATION OF THE DEMOCRATIC PROCESS AT ALL LEVELS; -ATTRACTS AND DEVELOPS THE BEST POSSIBLE HUMAN RESOURCES AT ALL LEVELS TO SERVICE OUR MEMBER/OWNER; AND -STRIVES TO MAINTAIN MEMBER/OWNER CONFIDENCE THROUGH PRUDENT FINANCIAL MANAGEMENT AND QUALITY SERVICE.
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...
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 36,848 MEMBERS, THE CREDIT UNION HAD 23,708 LOANS OUTSTANDING AT 12/31/24, INCLUDING MORTGAGES SOLD WITH SERVICING RETAINED. A PARTICIPATION INTEREST WAS ALSO OWNED IN AN ADDITIONAL 65,491 LOANS.
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...
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 12/31/24 THERE WERE 69,160 DEPOSIT ACCOUNTS BEING SERVICED.
ONE OF THE DELIVERY CHANNELS FOR THE VARIOUS PRODUCTS IS ELECTRONIC DELIVERY. THE CREDIT UNION OFFERS DEBIT CARDS, ATM ACCESS, AUDIO RESPONSE ACCOUNT ACCESS, INTERNET ACCOUNT ACCESS AND MOBILE...
ONE OF THE DELIVERY CHANNELS FOR THE VARIOUS PRODUCTS IS ELECTRONIC DELIVERY. THE CREDIT UNION OFFERS DEBIT CARDS, ATM ACCESS, AUDIO RESPONSE ACCOUNT ACCESS, INTERNET ACCOUNT ACCESS AND MOBILE 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. CREDIT UNION SHARED BRANCHING TRANSACTIONS ARE ALSO OFFERED NATIONWIDE.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
Sign in to view Trantor Score and financial metrics
Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2024 | 2023 | Change | |
|---|---|---|---|
| Revenue | $33,383,224 | $29,399,852 | +0.1% |
| Expenses | $27,949,191 | $24,313,033 | +0.1% |
| Net Income | $5,434,033 | $5,086,819 | +0.1% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
Sign in to view all financial metrics
Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| HOWARD PYRON | TREASURER | 0.5 |
Officer
Director
|
$0 | $0 | $0 |
| KEE GROSHONG | CHAIR | 0.5 |
Officer
Director
|
$0 | $0 | $0 |
| MARK KAISER | VICE CHAIR | 0.5 |
Officer
Director
|
$0 | $0 | $0 |
| RICHARD OTTO | SECRETARY | 0.5 |
Officer
Director
|
$0 | $0 | $0 |
| ANDY BONDERER | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| ANNE ROBINSON | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| BETHANY ABELN | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| DON GREER | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| RANDY MORROW | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| STEPHEN PRICE | DIRECTOR | 0.5 |
Director
|
$0 | $0 | $0 |
| DEANN BARTON | COO | 40.0 |
Officer
|
$238,950 | $35,897 | $274,847 |
| HAROLD JAMES | PRESIDENT | 40.0 |
Officer
|
$588,131 | $49,498 | $637,629 |
| ROBERT PERKINS | CFO | 40.0 |
Officer
|
$245,768 | $35,782 | $281,550 |
| CHENGFAN XU | SR VICE PRESIDENT UNTIL 4/5/2024 | 40.0 |
Key Emp
|
$150,381 | $8,178 | $158,559 |
| DAVID MORROW | VICE PRESIDENT | 40.0 |
Highest
|
$143,129 | $13,819 | $156,948 |
| Denise Huddleston | VICE PRESIDENT | 40.0 |
Highest
|
$123,366 | $21,512 | $144,878 |
| KRISTY BRYANT | VICE PRESIDENT | 40.0 |
Highest
|
$142,631 | $25,342 | $167,973 |
| LORI RHOADES | VICE PRESIDENT | 40.0 |
Highest
|
$121,468 | $46,582 | $168,050 |
| MARGIE BRAMON | VICE PRESIDENT | 40.0 |
Highest
|
$118,129 | $23,281 | $141,410 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | No data | No data | No data | No data |
| 2024 | $33,383,224 | $27,949,191 | $563,405,047 | $5,434,033 |
| 2023 | $29,399,852 | $24,313,033 | $537,313,890 | $5,086,819 |
| 2022 | $22,077,844 | $17,528,549 | $525,519,430 | $4,549,295 |
| 2021 | $19,862,904 | $17,370,865 | $526,230,931 | $2,492,039 |
| 2020 | $19,994,642 | $17,176,918 | $449,504,582 | $2,817,724 |
| 2019 | $20,673,420 | $17,774,154 | $374,222,516 | $2,899,266 |
| 2018 | $18,615,336 | $15,987,464 | $341,727,696 | $2,627,872 |
Compare Missouri Credit Union with other nonprofits in Missouri and across the country.