Csd Credit Union: Nonprofit Profile, Financials & Form 990 (EIN 44-6013258)

Revenue by fiscal year
FY2020	$1.9M
FY2021	$2.1M
FY2022	$2.4M
FY2023	$3.4M
FY2024	$4.2M
FY2025	$4.5M

Expenses by fiscal year
FY2020	$1.6M
FY2021	$1.7M
FY2022	$2.0M
FY2023	$2.6M
FY2024	$3.4M
FY2025	$3.9M

Net assets by fiscal year
FY2020	$6.1M
FY2021	$6.4M
FY2022	$7.7M
FY2023	$8.5M
FY2024	$9.3M
FY2025	$9.9M

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

6 people listed on the 990; $155K paid to officers and key staff (Part VII, Section A).

Part VII, Section A · reportable compensation

Edward Watts

President

$155,408Pt VII · Sec A

Freda Markley

Chairperson

$0Pt VII · Sec A

Kenneth McCrary

Vice Chairperson

$0Pt VII · Sec A

Samuel Schissler

Treasurer

$0Pt VII · Sec A

Linda Whitford

Secretary

$0Pt VII · Sec A

Darci Willis

Board Member

$0Pt VII · Sec A

Compensation history total reportable pay by year · 1 named individual · Part VII

Name	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020
Edward Watts	$155,408	$134,295	$124,498	$117,125	$112,744	$108,129

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

See Csd Credit Union executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

Family or business ties among officersPt VI · Ln 2No
Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers convenient, competitive financial services and counseling to encourage member independence.

Questions for Csd Credit Union

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3 programs · in their own filed words · FY2025

01

Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2025, there were 2,475 loans outstanding totaling $38,019,975.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 44-6013258) · Dispute this line

Pt IX · Ln 25 · col B

02

Provides financial and financially related services to 5,828 members.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 44-6013258) · Dispute this line

Pt IX · Ln 25 · col B

03

Paid dividends on member deposits totaling $1,224,572 for the year.

Form 990 Part III, line 4, FY2025. The organization’s own words, as filed with the IRS. Find it at the IRS (EIN 44-6013258) · Dispute this line

Pt IX · Ln 25 · col B

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · this organization's grantmaking

Grants paid · 2 grants · $17K · 2024–2024

North Kansas City Educational FoundationFY2024$9,150

Hickman Mills Educational FoundationMO · FY2024$7,700

By the numbers

The FY2025 990, line by line.

Download 990

from philanthropy.org

1The main four

Money inPt VIII

$4.5M

Ln 12

Fees for servicesLn 2g$2.9M

Investment incomeLn 3$1.6M

Money outPt IX

$3.9M

Ln 25

Owns and owesPt X

$9.9M

net assets · Ln 32

Cash and savingsLn 1–2$41.7M

Total assetsLn 16$87.4M

LiabilitiesLn 26$77.4M

PeoplePt VI, VII

6

listed · VII A

PaidVII A1

Voting boardVI 1a5

IndependentVI 1b5

2In more detail

Revenue in detailPt VIII

Fees for servicesLn 2g$2.9M

Investment incomeLn 3$1.6M

Gains on assetsLn 7−$11K

Total revenueLn 12$4.5M

Assets in detailPt X, end of year

CashLn 1$1.0M

SavingsLn 2$40.7M

Cash and savings togetherLn 1–2$41.7M

Notes and loans receivableLn 7$37.9M

Prepaid expenses and deferred chargesLn 9$567K

Land, buildings, equipmentLn 10c$1.1M

InvestmentsLn 11–13$292K

Other assetsLn 15$5.8M

Total assetsLn 16$87.4M

LiabilitiesLn 26$77.4M

Net assetsLn 32$9.9M

OperationsPt I, VI

EmployeesI 523

VolunteersI 69

Fiscal year endsHeaderDecember

Conflict-of-interest policyVI 12aNo

Whistleblower policyVI 13No

Records policyVI 14Yes

3Year over year

Balance sheet, start vs end of yearPt X · col A, B

Line	Start FY25	End FY25
Cash and savingsLn 1–2	$31.8M	$41.7M
InvestmentsLn 11–13		$292K
Land, buildings, equipmentLn 10c	$1.2M	$1.1M
Total assetsLn 16	$77.0M	$87.4M
LiabilitiesLn 26	$67.7M	$77.4M
Net assetsLn 32	$9.3M	$9.9M

4Every line

Statement of functional expensesPt IX · every line

Line	Total	Programs	Management	Fundraising
Grants to domestic organizationsLn 1	$2K
Pay of officers and key staff (Part IX, line 5)Ln 5	$180K
Other salaries and wagesLn 7	$850K
Pension plan contributionsLn 8	$142K
Other employee benefitsLn 9	$163K
Payroll taxesLn 10	$80K
Accounting feesLn 11c	$10K
Other fees for servicesLn 11g	$49K
Advertising and promotionLn 12	$48K
Office expensesLn 13	$370K
Information technologyLn 14	$167K
OccupancyLn 16	$88K
TravelLn 17	$6K
Conferences, conventions and meetingsLn 19	$15K
Depreciation, depletion and amortizationLn 22	$148K
InsuranceLn 23	$29K
Other expenses (24a–d)Ln 24	$1.5M
All other expensesLn 24e	$2K
Total functional expensesLn 25	$3.9M

Filing history

Year	Money in	Money out	In minus out	Net assets	Download
FY2025 Latest ViewingFiled with the IRS Apr 16, 2026	$4.5M	$3.9M	$604K	$9.9M	990 PDF
FY2024Filed with the IRS May 31, 2025	$4.2M	$3.4M	$802K	$9.3M	990 PDF
FY2023Filed with the IRS Apr 9, 2024	$3.4M	$2.6M	$832K	$8.5M	990 PDF
FY2022Filed with the IRS Apr 27, 2023	$2.4M	$2.0M	$340K	$7.7M	990 PDF
FY2021Filed with the IRS Jun 7, 2022	$2.1M	$1.7M	$371K	$6.4M	990 PDF
FY2020Filed with the IRS Apr 28, 2021	$1.9M	$1.6M	$299K	$6.1M	990 PDF

Schedules filed Part IV

I · Grants J · Pay O · Explanations

See the full FY2025 990

Part I · Summary $4,473,525 revenue, 12 lines filed

I-8 Contributions and grantsPrior year $0$0

I-9 Program service revenuePrior year $2,814,271$2,850,597

I-10 Investment incomePrior year $1,405,558$1,611,757

I-11 Other revenuePrior year $12,993$11,171

I-12 Total revenuePrior year $4,232,822$4,473,525

I-13 Grants and similar amounts paidPrior year $21,200$2,500

I-14 Benefits paid to membersPrior year $0$0

I-15 Salaries and benefitsPrior year $1,209,654$1,415,259

I-16a Professional fundraising feesPrior year $0$0

I-17 Other expensesPrior year $2,199,557$2,451,315

I-18 Total expensesPrior year $3,430,411$3,869,074

I-19 Revenue less expensesPrior year $802,411$604,451

Part VI · Governance 5 of 5 board members independent, 2 to look at

VI-1a Voting members of the governing body5

VI-1b Independent voting members5

VI-12a Written conflict of interest policyNo

VI-13 Written whistleblower policyNo

VI-2 Family or business relationship among officers or directorsNo

VI-14 Document retention and destruction policyYes

VI-15a Process for setting top official's payYes

Part VIII · Statement of revenue $4,473,525 across 5 lines filed

VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $2,844,569 · Unrelated business $6,028$2,850,597

VIII-3 Investment incomeRelated to mission $1,623,017$1,623,017

VIII-5 RoyaltiesRelated to mission $11,171$11,171

VIII-7 Net gain or loss on sales of assetsRelated to mission −$11,260−$11,260

VIII-12 Total revenueRelated to mission $4,467,497 · Unrelated business $6,028 · Excluded from tax $0$4,473,525

Part IX · Statement of functional expenses $3,869,074 across 18 lines filed

IX-1 Grants to domestic organizations$2,500

IX-5 Pay of officers and key staff (Part IX, line 5)$179,829

IX-7 Other salaries and wages$850,019

IX-8 Pension plan contributions$141,893

IX-9 Other employee benefits$163,099

IX-10 Payroll taxes$80,419

IX-11c Accounting fees$9,800

IX-11g Other fees for services$49,113

IX-12 Advertising and promotion$47,809

IX-13 Office expenses$370,088

IX-14 Information technology$166,752

IX-16 Occupancy$88,066

IX-17 Travel$6,227

IX-19 Conferences, conventions and meetings$15,007

IX-22 Depreciation, depletion and amortization$148,253

IX-23 Insurance$29,366

IX-24 Other expenses (24a–d)$1,518,894

IX-24e All other expenses$1,940

IX-25 Total functional expenses$3,869,074

Part X · Balance sheet $87,357,123 assets, 16 lines filed

X-1 Cash, non-interest-bearingStart of year $851,020$1,035,490

X-2 Savings and temporary cash investmentsStart of year $30,929,278$40,658,458

X-7 Notes and loans receivableStart of year $37,908,312$37,891,604

X-9 Prepaid expenses and deferred chargesStart of year $575,897$567,389

X-10c Land, buildings and equipment, netStart of year $1,188,497$1,102,131

X-12 Other securities$291,800

X-15 Other assetsStart of year $5,571,519$5,810,251

X-16 Total assetsStart of year $77,024,523$87,357,123

X-17 Accounts payable and accrued expensesStart of year $403,135$481,360

X-25 Other liabilitiesStart of year $67,278,818$76,928,742

X-26 Total liabilitiesStart of year $67,681,953$77,410,102

X-29 Capital stock or trust principalStart of year $0$0

X-30 Paid-in or capital surplusStart of year $0$0

X-31 Retained earnings or endowmentStart of year $9,342,570$9,947,021

X-32 Total net assets or fund balancesStart of year $9,342,570$9,947,021

X-33 Total liabilities and net assetsStart of year $77,024,523$87,357,123

Part XI · Reconciliation of net assets $9,947,021 net assets at year end

XI-1 Total revenue$4,473,525

XI-2 Total expenses$3,869,074

XI-3 Revenue less expenses$604,451

XI-4 Net assets at start of year$9,342,570

XI-9 Other changes in net assets$0

XI-10 Net assets at end of year$9,947,021

Form 990 e-file FY2025 from the IRS (about our sources) · Classification, formation year and address from the IRS Business Master File

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Csd Credit Union

Before you give

Is it real?

Who runs it and what they're paid

Compensation history total reportable pay by year · 1 named individual · Part VII

Questions the 990 asks

Programs and updates

Questions for Csd Credit Union

Funders

Grants

By the numbers

Filing history

Schedules filed Part IV