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Missouri · Nonprofit

Together Credit Union

Together Credit Union (Missouri) receives grants from 1 organization whose IRS filings report $12,650 to it, the largest being HEARTLAND CREDIT UNION CHARITABLE FOUNDATION INC ($12,650). 1 of them have funded it in more than one year.

Revenue FY2024
$159M
Funders on record
1
Grants received
$13k
Net assets
$211M
1/1 repeat funderspeak grant-dependency 0%
01What it does

What Together Credit Union does

Mission

All activities pertain to a state-chartered credit union that provides deposit and lending services to its membership which approximates 142,000

As stated on its FY2024 Form 990.

Programs

  1. Loans to members

    $102,901,567 spent$107,289,792 earned by the program
    68% of program spending
  2. Service fees

    $26,696,958 spent$27,835,447 earned by the program
    18% of program spending
  3. Investments

    $22,664,287 spent$23,630,802 earned by the program
    15% of program spending
  4. Other program services, not described on the e-filed return.

    $0 spent
    0% of program spending

The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $152,262,812.

02The organization over time

The organization over time

Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended.

100 = 20172017 Revenue 100 ($86M) Expenses 100 ($99M) Net assets 100 ($158M)2019 Revenue 127 ($109M) Expenses 96 ($95M) Net assets 119 ($188M)2020 Revenue 128 ($109M) Expenses 97 ($96M) Net assets 129 ($203M)2021 Revenue 125 ($107M) Expenses 88 ($87M) Net assets 138 ($218M)2022 Revenue 129 ($110M) Expenses 104 ($102M) Net assets 121 ($191M)2023 Revenue 158 ($136M) Expenses 131 ($130M) Net assets 128 ($201M)2024 Revenue 185 ($159M) Expenses 154 ($152M) Net assets 134 ($211M)
2017201920202021202220232024
Revenue (185)Expenses (154)Net assets (134)

Balance sheet

Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2019 to 2020, from $1.8B to $2.1B (+15%).

$1.7B
$1.8B
$2.1B
$2.3B
$2.4B
$2.4B
$2.5B
2017201920202021202220232024
Total assetsTotal liabilities

How it's funded, over time

Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.

2017
2019
2020
2021
2022
2023
2024
ContributionsProgram revenueInvestmentOther

Surplus & reserves

Operating surplus or deficit each year, and months of liquidity in hand. 1 of the last 7 reported years ran a deficit.

−$13M
’17
$15M
’19
$14M
’20
$21M
’21
$7.9M
’22
$6.0M
’23
$6.5M
’24
0.7
months of
reserve

Leadership and staff

The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.

Chief executive

R McKay

President/CEO

As listed on its FY2024 Form 990.

2017201920202021202220232024
Listed36242928333536
Joined··+7+2+10+10+3
No longer listed··23582
03Who funds it

Who funds it, year by year

2020 → 2022: the base held at 1 funder, grant income rose $6k → $7k.

Funder
'20
'22
total
funders
1
1

From the IRS filings of Together Credit Union’s funders (the co-funder graph). Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

Where its funders are

Together Credit Union draws 100% of its grant income from funders outside Missouri, across 1 state in all.

TX

In-state vs out-of-state, by year

’20
’22
Missouri out of state home

Funder states come from each funder’s own filing. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.

04Its place in the field

Organizations like Together Credit Union

Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.

In Missouri

Nationally

05Profile & governance

Read directly from this organization’s own Form 990, as neutral context.

Where the money goes

100% of spending goes to programs.

Program 100%Management 0%Fundraising 0%

Governance

9
board members
100%
independent
✓Conflict-of-interest policy✓Whistleblower policy✓Document retention–Board reviewed the 990✓Audited financials

Screen this organization

A dated, signed PDF of the compliance screen for Together Credit Union: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.

A paid feature, included from the $75 plan up. Sign in to download.

Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf

Questions and answers

Who funds Together Credit Union?
Together Credit Union (Missouri) receives grants from 1 organization whose IRS filings report $12,650 to it, the largest being HEARTLAND CREDIT UNION CHARITABLE FOUNDATION INC ($12,650). 1 of them have funded it in more than one year.
How many funders does Together Credit Union have?
IRS filings report 1 organization giving $12,650 in grants to Together Credit Union, 1 of which have funded it in more than one year.
Who is the largest funder of Together Credit Union?
HEARTLAND CREDIT UNION CHARITABLE FOUNDATION INC is the largest funder on record, with $12,650 in grants. The full list of funders is on this page.
How can an organization like Together Credit Union find more funders?
Start with the funders already giving here, then look at the foundations that back similar organizations in Missouri. The funding by cause and by state pages list the largest funders for a given area and how to approach them.

Play a game about who funds Together Credit Union →

These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 1 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 14, 2026. What this page cannot tell you · view filing