Nonprofit · EIN 43-6203095
MERCY CREDIT UNION
Tax-exempt · SPRINGFIELD, MO 65804
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $5,070,818 | $3,834,799 | $1,236,019 | $85,254,296 | $74,506,165 | $10,748,131 |
| December 31, 2024 | 990 | $4,769,409 | $3,657,699 | $1,111,710 | $82,562,351 | $73,165,763 | $9,396,588 |
| December 31, 2023 | 990 | $4,285,495 | $3,185,591 | $1,099,904 | $82,689,452 | $74,520,031 | $8,169,421 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $4,643,915
- Investment income
- $426,903
- Net gain from sales of assets
- -$3,524
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $157,562
- Other salaries and wages
- $924,069
- Salaries, compensation and benefits (total)
- $1,382,094
- Professional fundraising fees
- $0
- Legal fees
- $158
- Accounting fees
- $45,571
- Occupancy
- $138,996
- Travel
- $19,124
- Depreciation
- $72,086
Balance sheet and other
- Total assets, start of year
- $82,562,351
- Total assets, end of year
- $85,254,296
- Total liabilities, end of year
- $74,506,165
- Net assets, end of year
- $10,748,131
- Land, buildings and equipment
- $143,402
- Gross unrelated business income
- $64,655
- Gross receipts
- $5,074,342
- Employees
- 24
- Volunteers
- 12
- Year formed
- 1976
- State of legal domicile
- MO
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TAMMY ROWDEN | PRESIDENT Officer | 40 | $135,853 | $21,709 |
| CHRIS BOS | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| DANE DOUGLAS | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| CINDY BENNETT | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| JIMMY HOWARD | DIRECTOR Trustee or director, Officer | 1 | $0 | $0 |
| DOUG FAST | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHELLE PALUBIAK RESIGNED 625 | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JODIE RAYBORN RESIGNED 625 | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TAMMY ROWDEN | MANAGER Officer | 40 | $114,970 | $17,935 |
| CHRIS BOSS | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| DANE DOUGLAS | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| CINDY BENNETT | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| MICHELLE PALUBIAK | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JODIE FUGATE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JIMMY HOWARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DOUG FAST | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| TAMMY ROWDEN | MANAGER Officer | 40 | $108,751 | $20,432 |
| CHRIS BOSS | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| DOUG FAST | VICE CHAIRMA Trustee or director, Officer | 1 | $0 | $0 |
| CINDY BENNETT | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| MICHELLE PALUBIAK | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| DANE DOUGLAS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JODIE RAYBORN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JIMMIE HOWARD | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1444 E SUNSHINE ST, SPRINGFIELD, MO 65804-1238
- Principal officer (990 for 2025)
- JULIUS R SIMS II, 1444 E SUNSHINE, SPRINGFIELD, MO 65804
- Signed the 990
- JULIUS R SIMS II, CEO
- Phone
- (417) 820-2931
- Website
- WWW.MYMSCU.COM
- Return prepared by
- KPM CPAS LLC
Mission
ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS.
Program accomplishments
- VOLUNTARY, COOPERATIVE, NONPROFIT SAVINGS INSTITUTION WHICH ENCOURAGES THRIFT AMONG THEIR 14,918 MEMBERS BY PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 43-6203095
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $85,254,296
- Income (IRS master file)
- $5,074,342
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $5,070,818 | $3,834,799 | $85,254,296 | XML |
| 990 | December 2024 | $4,769,409 | $3,657,699 | $82,562,351 | XML |
| 990 | December 2023 | $4,285,495 | $3,185,591 | $82,689,452 | XML |
| 990 | December 2022 | $3,619,059 | $2,958,765 | $86,452,306 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 43-6203095).
Questions about MERCY CREDIT UNION
- What is the EIN of MERCY CREDIT UNION?
- The employer identification number (EIN) of MERCY CREDIT UNION is 43-6203095.
- Is MERCY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14).
- Which annual return does MERCY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of MERCY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did MERCY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of MERCY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JULIUS R SIMS II.
- Who are the officers and directors of MERCY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 8 people; 1 received compensation from the organization, the highest $135,853 (TAMMY ROWDEN, PRESIDENT).
- How much revenue does MERCY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $5,070,818, expenses of $3,834,799 and total assets of $85,254,296 at year end.
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