2025-11-03T13:12:07-06:00 2024-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2024-01-01 430496315 NEIGHBORS CREDIT UNION NEIG 3148925400 6300 S LINDBERGH BLVD ST LOUIS MO 631237804 JANICE BENNETT VICE PRESIDENT-FINANCE 3148925400 2025-11-03 1 0 GERALD TENBRINK P00638199 9138946214 2025-10-28 2024 2025-03-06 01:10:19Z JASON HEATH 6300 S LINDBERGH BLVD ST LOUIS MO 631237804 39807073 0 X WWW.NEIGHBORSCU.ORG X 1928 MO 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. 8 8 169 13 130725 0 0 0 31494657 33955557 1658797 1904781 108597 104786 33262051 35965124 12000 12000 0 0 12336166 11922359 0 0 0 19826126 23806444 32174292 35740803 1087759 224321 491100540 532754229 432156664 472665461 58943876 60088768 X 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. 0 0 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. 0 0 1 0 0 0 0 1 0 1 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 10052 0 1 169 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 0 1 0 0 X JANICE BENNETT 3148925400 6300 S LINDBERGH BLVD ST LOUIS MO 631237804 TRAVIST WIGGINS DIRECTOR 1.00 X 0 0 0 LEE VANDUSEN DIRECTOR 1.00 X 0 0 0 KENNETH LEACH CHAIRMAN 5.00 X 0 0 0 JAMES HOBBS VICE CHAIRMAN 5.00 X 0 0 0 EUNICE BECKWITH DIRECTOR 1.00 X 0 0 0 CHERYL ANTHONY BOARD SECRETARY 1.00 X 0 0 0 ANTHONY HARRIS DIRECTOR 5.00 X 0 0 0 ALFREDIA SMITH DIRECTOR 1.00 X 0 0 0 TRACY TAYLOR CHIEF LENDING OFFICER 50.00 X 235911 0 20544 PAULA ANDERSON SENIOR VICE PRESIDENT-MARK 50.00 X 146357 0 30548 MICHAEL ECONOMON SENIOR VICE PRESIDENT-INFO 50.00 X 225780 0 29846 KENDRA MARTIN CHIEF MEMBER EXPERIENCE OF 50.00 X 191090 0 19288 JASON HEATH PRESIDENT/CEO 50.00 X 519296 0 35242 JANICE BENNETT VICE PRESIDENT-FINANCE 50.00 X 187876 0 25012 DAVID WILHELM CHIEF TEAM MEMBER EXPERIEN 50.00 X 190903 0 133830 ARIK BURNS DIRECTOR MORTGAGE PRODUCTION 50.00 X 122765 0 23479 JULIUS SIMS VICE PRESIDENT REMOTE SERVICES 50.00 X 126449 0 10933 JESSICA BIRA DIRECTOR-HUMAN RESOURCES 50.00 X 129107 0 13983 CHRIS BARNETT DIRECTOR INNOVATION & PREJECT MGMT 50.00 X 161100 0 13910 KATHY FLOYD SENIOR FINANCIAL ANALYST 50.00 X 130257 0 403 2366891 0 357018 12 0 1 0 KEELEY CONSTRUCTION 500 E EWING AVE STE G ST LOUIS MO 63103 GENERAL CONTRACTOR-CONSTRUCTION 1505004 1 INTEREST ON LOANS 522100 22883714 22883714 FEES & OTHER INCOME 522100 11048728 10941118 107610 WARRANTY SALES 524298 23115 23115 33955557 3171543 3171543 104786 104786 2575187 42 3841907 -42 -1266720 -1266762 -1266762 35965124 35834399 130725 0 12000 1891523 8192097 255531 881948 701260 96233 93417 205575 224462 969123 2981605 2944025 935257 173555 285221 1393465 262653 MEMBER DIVIDENDS & INTE 7714476 PROVISION FOR LOAN LOSS 4073262 LOAN SERVICING 652501 OVER/SHORT & OTHER LOSS 630156 171458 35740803 6988524 5876664 18480985 42300406 12685664 21662877 374915472 395330437 718774 901783 34375441 13985459 17343725 20389982 47775868 39249129 12191528 7042951 491100540 532754229 2814377 3118726 475257 794470 3500000 1000000 425367030 467752265 432156664 472665461 X 0 0 0 0 58943876 60088768 58943876 60088768 491100540 532754229 224321 920571 0 X 0 0 0 500 500 500 1 CUPAC OF MISSOURI 223 MADISON STREET JEFFERSON CITY MO 65101 431310069 500 PART I-A, LINE 1: CONTRIBUTIONS TO A CREDIT UNION PAC. 0 1 X 5628162 5628162 18299214 5579139 12720075 296902 289225 7677 10151163 8117095 2034068 20389982 FHLB STOCK 339800 C INVESTMENTS IN CUSOS 428934 C AFS-FEDERAL AGENCY SECURITIES 2974753 F AFS-MORTGAGE-BACKED SECURITIES & CMOS 35505642 F 39249129 MEMBER SHARE DEPOSITS 467752265 467752265 X PART IV, LINE 2B: THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR PRINCIPLE PAYMENTS, TAXES AND INSURANCE RELATED TO MEMBER MORTGAGE LOANS SOLD WITH SERVICING RETAINED. AS A SERVICE TO MEMBERS, THE BALANCE PROGRAM IS USED FOR CREDIT/DEBT COUNSELING. PART X, LINE 2: INCOME TAX IS NOT PROVIDED IN THE STATEMENTS OF INCOME AS THE COMPANY IS EXEMPT, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. THE COMPANY IS, HOWEVER, SUBJECT TO CERTAIN FRANCHISE TAXES AND UNRELATED BUSINESS INCOME TAX THAT ARE INCLUDED IN NONINTEREST EXPENSE. THE COMPANY FILES TAX RETURNS IN THE U.S. FEDERAL JURISDICTION FOR UNRELATED BUSINESS TAXABLE INCOME. THE COMPANY IS NOT AWARE OF BEING SUBJECTED TO U.S. FEDERAL EXAMINATIONS BY TAX AUTHORITIES FOR ANY YEARS. DURING THE YEARS ENDED DECEMBER 31, 2023 AND 2022, THE COMPANY HAS RECOGNIZED NO EXPENSE FOR INTEREST OR PENALTIES. 1 $2,000 SCHOLARSHIPS WERE AWARDED PART I, LINE 2: NEIGHBORS CREDIT UNION AWARDED SIX $2,000 SCHOLARSHIPS IN 2024. ELIGIBLE STUDENTS HAD TO BE A MEMBER OF THE CREDIT UNION'S S.M.A.R.T. PROGRAM, BETWEEN THE AGES OF 17 AND 22 YEARS OF AGE, AND PARTICIPATE IN A POST-SECONDARY EDUCATION PROGRAM. FUNDS WERE PAID DIRECTLY TO THE POST-SECONDARY EDUCATION PROGRAM. X X 0 0 0 JASON HEATH PRESIDENT/CEO 439818 0 72278 0 7200 0 20700 0 14542 0 554538 0 0 0 DAVID WILHELM CHIEF TEAM MEMBER EXPERIEN 185682 0 5221 0 0 0 11942 0 121888 0 324733 0 0 0 TRACY TAYLOR CHIEF LENDING OFFICER 225745 0 6130 0 4036 0 12453 0 8091 0 256455 0 0 0 MICHAEL ECONOMON SENIOR VICE PRESIDENT-INFO 219718 0 6062 0 0 0 13874 0 15972 0 255626 0 0 0 JANICE BENNETT VICE PRESIDENT-FINANCE 182876 0 5000 0 0 0 10859 0 14153 0 212888 0 0 0 KENDRA MARTIN CHIEF MEMBER EXPERIENCE OF 186038 0 5052 0 0 0 11129 0 8159 0 210378 0 0 0 PAULA ANDERSON SENIOR VICE PRESIDENT-MARK 142316 0 4041 0 0 0 8660 0 21888 0 176905 0 0 0 CHRIS BARNETT DIRECTOR INNOVATION & PREJECT MGMT 156418 0 4682 0 0 0 5819 0 8091 0 175010 0 0 0 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. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. FORM 990, PART VI, SECTION B, LINE 11B THE VICE PRESIDENT-FINANCE REVIEWS THE FORM 990 RETURN BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C ANNUALLY, OFFICERS AND DIRECTORS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION AND ARE REVIEWED BY INTERNAL AUDIT TO ENSURE COMPLIANCE. FORM 990, PART VI, SECTION B, LINE 15A ON AN ANNUAL BASIS, THE BOARD OF DIRECTORS REVIEWS THE PERFORMANCE OF THE PRESIDENT/CEO AND DETERMINES COMPENSATION BASED ON A SIGNED EMPLOYMENT CONTRACT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE PRESIDENT/CEO AND IS PRESENTED AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS FOR APPROVAL. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. FORM 990, PART VI, SECTION C, LINE 19 AUDITED FINANCIAL STATEMENTS ARE AVAILABLE FOR REVIEW AT THE ANNUAL MEETING. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAILABLE UPON REQUEST. NCUSO LLC 6300 S LINDBERGH BLVD ST LOUIS MO 63123 922086950 RENTAL PROPERTY MO 262752 3636438