2026-08-08T05:29:39-05:00 2025-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2025-01-01 430603999 WEST COMMUNITY CREDIT UNION WEST 6367202400 4161 HIGHWAY K OFALLON MO 633688294 LORENE MEYER VICE PRESIDENT 6367202400 2026-08-08 1 GERALD TENBRINK P00638199 9138946214 2026-07-28 2025 2025-03-06 01:10:19Z LORENE MEYER 4161 HIGHWAY K OFALLON MO 633688294 36971325 0 X WWW.WESTCOMMUNITYCU.ORG X 1936 MO TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS. 9 9 142 9 144798 0 0 0 32548044 34955655 2054718 2006380 0 0 34602762 36962035 11000 11000 23247 35433 10808391 11281695 0 0 0 22189120 23137723 33031758 34465851 1571004 2496184 483216672 491254369 445655045 450290100 37561627 40964269 TO BE OUR MEMBERS' LIFELONG FINANCIAL PARTNER BY TRULY UNDERSTANDING THEIR STORIES AND DELIVERING SMART SOLUTIONS. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 32,415 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 20,097 LOANS OUTSTANDING TOTALING $410,514,795, INCLUDING LOAN PARTICIPATIONS. PAID DIVIDENDS ON DEPOSITS TOTALING $7,593,435 FOR THE YEAR. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 8014 0 1 142 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 0 0 X JASON PEACH 6367202400 4161 HIGHWAY K OFALLON MO 633688294 MICHAEL MURPHY CHAIRMAN 1.00 X 0 0 0 TOM KRAPU VICE CHAIRMAN 1.00 X 0 0 0 ERIC VANDERHOEF SECRETARY 1.00 X 0 0 0 CHRIS ABBOTT TREASURER 1.00 X 0 0 0 TRINETTA TAYLOR BOARD MEMBER 1.00 X 0 0 0 SEAN LONG BOARD MEMBER 1.00 X 0 0 0 RYAN DUNNEGAN BOARD MEMBER 1.00 X 0 0 0 LEAH PETRAS BOARD MEMBER 1.00 X 0 0 0 DEBBIE GERINGER BOARD MEMBER 1.00 X 0 0 0 JASON PEACH PRESIDENT/CEO 45.00 X 888737 0 123450 MELISSA GREEN CFO 45.00 X 197271 0 38625 KATHY GAHR VP - BRANCH MANAGEMENT 45.00 X 198858 0 45888 KOREN GREUBEL VP - MARKETING & DIGITAL E 45.00 X 203601 0 23975 WILLIAM MCFARLAND VP - INFORMATION TECHNOLOG 45.00 X 197384 0 56706 DENNIS MCGRANE VP - LENDING 45.00 X 203762 0 36953 LORENE MEYER VP - ORGANIZATIONAL STRATE 45.00 X 207588 0 53036 RICHARD DILLARD AVP - COMMERCIAL LENDING 45.00 X 160118 0 71581 AUSTIN FLYNN AVP - CORE SYSTEMS 45.00 X 170292 0 28844 SHANNON JOHNSON AVP - DIGITAL ENGAGEMENT 45.00 X 158376 0 38671 JOSH RODRIGUEZ AVP - FINTECH & MISSION IN 45.00 X 155647 0 38462 MARISSA MCGHEE AVP - ACCOUNTING 45.00 X 136695 0 7497 JAMES GUILFORD AVP - BRANCH MGMT 45.00 X 128973 0 33942 ROBYN DIETRICH AVP - ORG DEVELOPMENT & LEARNING 45.00 X 132385 0 23571 PAUL HUFF AVP - IT 45.00 X 111366 0 15337 3251053 0 636538 15 0 1 0 0 INTEREST ON LOANS 522100 28004526 28004526 FEES & OTHER INCOME 522100 6875483 6806331 69152 WARRANTY SALES 524298 75646 75646 34955655 1984190 1984190 31480 9290 22190 22190 22190 36962035 36817237 144798 0 2000 9000 35433 3297823 6212795 336606 785458 649013 55701 84200 3337395 727732 959407 1040436 1398554 186466 1103724 1059750 170830 DIVIDENDS ON SHARES 7593435 PROVISION FOR LOAN LOSS 4230323 LOAN SERVICING 1290218 DUES & SUBSCRIPTIONS 110731 -211179 34465851 4542460 3686561 18694775 24815584 1804186 1854371 404478892 407090225 6175617 6619732 28514977 9592380 19680559 18922597 14965638 15011676 12874545 13253623 483216672 491254369 8034054 9019996 218787 218747 40000000 25000000 397402204 416051357 445655045 450290100 X 0 0 0 0 37561627 40964269 37561627 40964269 483216672 491254369 X 2496184 906458 X 0 0 0 CUPAC OF MISSOURI 223 MADISON STREET JEFFERSON CITY MO 65101 431310069 1000 0 1 X 4443443 4443443 17343722 4408704 12935018 6727812 5183676 1544136 18922597 SHARES & DEPOSITS 416051357 416051357 PART IV, LINE 2B: THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO SOME MEMBER REAL ESTATE LOANS. 1 $1,500 SCHOLARSHIPS 6 9000 PART I, LINE 2: SCHOLARSHIPS ARE AWARDED TO GRADUATING HIGH SCHOOL SENIORS PLANNING TO ATTEND AN ACCREDITED COLLEGE, UNIVERSITY, CAREER OR TRADE SCHOOL. THE SCHOLARSHIP COMMITTEE REVIEWS APPLICATIONS AND WINNERS ARE AWARDED $1,500 WITH PROCEEDS PAID DIRECTLY TO THE SCHOOL UPON PROOF OF ENROLLMENT. X X 0 1 0 JASON PEACH PRESIDENT/CEO 373685 0 515052 0 0 0 109206 0 14244 0 1012187 0 0 0 LORENE MEYER VP - ORGANIZATIONAL STRATE 175845 0 31743 0 0 0 40178 0 12858 0 260624 0 0 0 WILLIAM MCFARLAND VP - INFORMATION TECHNOLOG 167738 0 29646 0 0 0 46161 0 10545 0 254090 0 0 0 KATHY GAHR VP - BRANCH MANAGEMENT 169332 0 29526 0 0 0 39560 0 6328 0 244746 0 0 0 DENNIS MCGRANE VP - LENDING 174067 0 29695 0 0 0 30625 0 6328 0 240715 0 0 0 MELISSA GREEN CFO 167517 0 29754 0 0 0 28734 0 9891 0 235896 0 0 0 RICHARD DILLARD AVP - COMMERCIAL LENDING 94775 0 65343 0 0 0 65343 0 6238 0 231699 0 0 0 KOREN GREUBEL VP - MARKETING & DIGITAL E 173903 0 29698 0 0 0 17647 0 6328 0 227576 0 0 0 AUSTIN FLYNN AVP - CORE SYSTEMS 148043 0 22249 0 0 0 22249 0 6595 0 199136 0 0 0 SHANNON JOHNSON AVP - DIGITAL ENGAGEMENT 133905 0 24471 0 0 0 24471 0 14200 0 197047 0 0 0 JOSH RODRIGUEZ AVP - FINTECH & MISSION IN 131385 0 24262 0 0 0 24262 0 14200 0 194109 0 0 0 JAMES GUILFORD AVP - BRANCH MGMT 108745 0 20228 0 0 0 19745 0 14197 0 162915 0 0 0 ROBYN DIETRICH AVP - ORG DEVELOPMENT & LEARNING 113149 0 19236 0 0 0 9386 0 14185 0 155956 0 0 0 PART I, LINE 3 THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES COMPENSATION WITH THE ASSISTANCE OF AN INDEPENDENT SALARY CONSULTANT. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. PART I, LINE 4B THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS FOR THE FOLLOWING EXECUTIVES THROUGH COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENTS: - JASON PEACH, PRESIDENT/CEO - LORENE MEYER, VICE PRESIDENT - ORGANIZATIONAL STRATEGY & PERFORMANCE - KOREN GREUBEL, VICE PRESIDENT - MARKETING & DIGITAL ENGAGEMENT SEE SCHEDULE L FOR THE RELATED LOANS OUTSTANDING. JASON PEACH PRESIDENT/CEO COLLATERAL ASSIGNMENT SPLIT DOLLAR LOAN, WITH RECOURSE X 534000 576535 0 1 1 LORENE MEYER VICE PRESIDENT - ORGANIZATIONAL STRATEGY & PERFORMANCE COLLATERAL ASSIGNMENT SPLIT DOLLAR LOAN, WITH RECOURSE X 708000 782958 0 1 1 KOREN GREUBEL VICE PRESIDENT - MARKETING & DIGITAL ENGAGEMENT COLLATERAL ASSIGNMENT SPLIT DOLLAR LOAN, WITH RECOURSE X 447500 494878 0 1 1 1854371 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MUTUALLY OWNED BY ITS 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 CEO AND CFO REVIEW THE FORM 990 BEFORE FILING. FORM 990, PART VI, SECTION B, LINE 12C ON AN ANNUAL BASIS, OFFICERS, DIRECTORS AND KEY EMPLOYEES 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. FORM 990, PART VI, SECTION B, LINE 15A THE BOARD OF DIRECTORS REVIEWS THE CEO'S PERFORMANCE AND DETERMINES COMPENSATION WITH THE ASSISTANCE OF AN INDEPENDENT SALARY CONSULTANT. ALL OTHER MANAGEMENT COMPENSATION IS DETERMINED BY THE CEO AND VICE PRESIDENT OF ORGANIZATIONAL STRATEGY & PERFORMANCE AND IS PRESENTED TO THE BOARD AS PART OF THE BUDGET PROCESS. THE BOARD'S DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES AND PROCEDURES ARE AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: NET ASSETS ACQUIRED FROM MERGER WITH MISSOURI VALLEY FEDERAL CREDIT UNION ASC 715 PENSION ADJUSTMENT 906,458. CECL TRANSITION ADJUSTMENT