CENTRAL MISSOURI COMMUNITY CREDIT UNION

EIN: 440666515

WARRENSBURG, MO

Total Revenue
$7,951,549
Total Expenses
$6,917,021
Total Assets
$136,707,294
Net Assets
$10,172,661
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1961
Legal Domicile
MO
Principal Officer
RANDALL BETTIS
Phone
6607473311
Tax Period
2024-01-01 to 2024-12-31

CENTRAL MISSOURI COMMUNITY CREDIT UNION, founded in 1961, is a community nonprofit that reported $8.0M in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. Expenses of $6.9M left a modest 13% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $7,384,912
Investment Income $545,441
Other Revenue $21,196
TOTAL REVENUE $7,951,549

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,676,503
Fundraising Expenses $0
Other Expenses $4,240,518
TOTAL EXPENSES $6,917,021

Year-over-Year Comparison

2024 2023 Change
Revenue $7,951,549 $6,657,502 +0.2%
Expenses $6,917,021 $6,646,104 +0.0%
Net Income $1,034,528 $11,398 +89.8%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
7
Independent Members
7
Employees
57
Volunteers
10

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$449,647
Total Directors
7
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
AARON BROWN CHAIRMAN 1.00
Director
$0 $0 $0
RICHARD YALLALY VICE CHAIRMAN 1.00
Director
$0 $0 $0
CHRIS MCCREARY SECRETARY 1.00
Director
$0 $0 $0
MICHELLE MUIN TREASURER 1.00
Director
$0 $0 $0
RANDY FRERKING BOARD MEMBER 1.00
Director
$0 $0 $0
AMY WILSON BOARD MEMBER 1.00
Director
$0 $0 $0
MELISSA FREY BOARD MEMBER 1.00
Director
$0 $0 $0
PENNY DADY VICE PRESIDENT 40.00
Officer
$95,572 $20,862 $116,434
MARVA CARNEY CHIEF FINANCIAL OFFICER 40.00
Officer
$99,693 $18,264 $117,957
RANDALL BETTIS PRESIDENT/CEO 40.00
Officer
$123,113 $7,127 $130,240
PRISCILLA SHELLEDY CHIEF OPERATING OFFICER 40.00
Officer
$67,990 $17,026 $85,016
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 No data No data No data No data
2024 $7,951,549 $6,917,021 $136,707,294 $1,034,528
2023 $6,657,502 $6,646,104 $131,425,768 $11,398
2022 $6,819,606 $6,604,281 $139,910,785 $215,325
2021 $6,682,804 $6,295,171 $133,736,864 $387,633
2020 $6,546,465 $6,367,087 $119,609,880 $179,378
2019 $6,615,377 $6,425,769 $106,263,001 $189,608
2018 $6,230,782 $6,092,316 $103,480,582 $138,466
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