Skip to content
ProPublica Donate
ProPublica Donate

Postal & Community Credit Union

  • St Joseph, MO
  • EIN: 43-1546494

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Summary charts: organization finances over time

Revenue
$3.71M (2023)

Expenses
$3M (2023)

Total Assets
$77.2M (2023)

Total Liabilities
$70.3M (2023)

Source: Form 990 tax filings from 2013 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$3,705,251
Expenses
$2,997,582
Net Income
$707,669
Net Assets
$6,966,301
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,120,024
84.2%
Investment Income $577,480
15.6%
Bond Proceeds $0
Royalties $7,747
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $374,105
12.5%
Professional Fundraising Fees $0
Other Salaries and Wages $350,105
11.7%
Assets/Debt
Total Assets $77,240,800
Total Liabilities $70,274,499
Net Assets $6,966,301
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $147,540 $0 $35,204
Leslie Davies (Vp Lending) $81,659 $0 $102
Tina Ryan (Vp Member Services) $60,797 $0 $578
Sara Mears (Vp Accounting) $41,960 $0 $6,265
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Crystina Goss (Secretary/Treasurer) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
Aaron Richardson (Board Member) $0 $0 $0
Harold Allison (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 18, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,786,585
Expenses
$2,204,761
Net Income
$581,824
Net Assets
$6,320,569
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,587,910
92.9%
Investment Income $192,545
6.9%
Bond Proceeds $0
Royalties $6,130
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $351,057
15.9%
Professional Fundraising Fees $0
Other Salaries and Wages $304,853
13.8%
Assets/Debt
Total Assets $73,999,171
Total Liabilities $67,678,602
Net Assets $6,320,569
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $142,754 $0 $30,490
Leslie Davies (Vp Lending) $76,089 $0 $102
Tina Ryan (Vp Member Services) $48,387 $0 $8,866
Sara Mears (Vp Accounting) $39,038 $0 $5,331
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Crystina Goss (Secretary/Treasurer) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
Aaron Richardson (Board Member) $0 $0 $0
Harold Allison (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,771,867
Expenses
$2,134,592
Net Income
$637,275
Net Assets
$5,738,745
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,598,959
93.8%
Investment Income $167,414
6.0%
Bond Proceeds $0
Royalties $5,494
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $309,182
14.5%
Professional Fundraising Fees $0
Other Salaries and Wages $262,671
12.3%
Assets/Debt
Total Assets $71,257,186
Total Liabilities $65,518,441
Net Assets $5,738,745
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $130,142 $0 $28,064
Leslie Davies (Vp Lending) $62,616 $0 $96
Tina Ryan (Vp Member Services) $42,898 $0 $8,063
Sara Mears (Vp Accounting) $33,407 $0 $3,896
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Crystina Goss (Secretary/Treasurer) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
Melissa Cranfield (Board Member) $0 $0 $0
Aaron Richardson (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 28, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,716,713
Expenses
$2,124,520
Net Income
$592,193
Net Assets
$5,101,470
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,490,512
91.7%
Investment Income $222,927
8.2%
Bond Proceeds $0
Royalties $3,274
0.1%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $269,890
12.7%
Professional Fundraising Fees $0
Other Salaries and Wages $274,248
12.9%
Assets/Debt
Total Assets $60,672,105
Total Liabilities $55,570,635
Net Assets $5,101,470
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $133,310 $0 $28,428
Leslie Davies (Vp Lending) $56,125 $0 $68
Tina Ryan (Vp Member Services) $41,778 $0 $10,181
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Crystina Goss (Secretary/Treasurer) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
Melissa Cranfield (Board Member) $0 $0 $0
Aaron Richardson (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 4, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,614,493
Expenses
$2,285,231
Net Income
$329,262
Net Assets
$4,509,277
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,335,440
89.3%
Investment Income $274,406
10.5%
Bond Proceeds $0
Royalties $4,647
0.2%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $243,230
10.6%
Professional Fundraising Fees $0
Other Salaries and Wages $318,792
14.0%
Assets/Debt
Total Assets $54,265,991
Total Liabilities $49,756,714
Net Assets $4,509,277
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $119,801 $0 $27,054
Leslie Taylor (Vp Lending) $48,750 $0 $46
Tina Ryan (Vp Member Services) $37,900 $0 $9,673
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer (Resigned)) $0 $0 $0
Crystina Goss (Secretary/Treasurer) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 13, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$2,216,013
Expenses
$1,973,235
Net Income
$242,778
Net Assets
$4,180,015
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,927,291
87.0%
Investment Income $281,289
12.7%
Bond Proceeds $0
Royalties $7,433
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $248,493
12.6%
Professional Fundraising Fees $0
Other Salaries and Wages $312,998
15.9%
Assets/Debt
Total Assets $53,031,948
Total Liabilities $48,851,933
Net Assets $4,180,015
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $118,231 $0 $27,878
Leslie Taylor (Vp Lending) $44,853 $0 $11,225
Tina Ryan (Vp Member Services) $36,602 $0 $9,704
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member (Resigned)) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 17, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,991,885
Expenses
$1,712,356
Net Income
$279,529
Net Assets
$3,937,237
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,768,795
88.8%
Investment Income $214,897
10.8%
Bond Proceeds $0
Royalties $8,193
0.4%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $243,168
14.2%
Professional Fundraising Fees $0
Other Salaries and Wages $274,346
16.0%
Assets/Debt
Total Assets $48,378,550
Total Liabilities $44,441,313
Net Assets $3,937,237
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $116,067 $0 $28,269
Leslie Taylor (Vp Lending) $42,172 $0 $10,750
Tina Ryan (Vp Member Services) $36,240 $0 $9,670
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Oct. 19, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,839,077
Expenses
$1,812,352
Net Income
$26,725
Net Assets
$3,657,708
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,701,010
92.5%
Investment Income $129,435
7.0%
Bond Proceeds $0
Royalties $8,632
0.5%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $219,322
12.1%
Professional Fundraising Fees $0
Other Salaries and Wages $268,597
14.8%
Assets/Debt
Total Assets $44,373,171
Total Liabilities $40,715,463
Net Assets $3,657,708
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $117,602 $0 $23,781
Leslie Taylor (Vp Lending) $41,699 $0 $0
Tina Ryan (Vp Member Services) $36,240 $0 $0
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member) $0 $0 $0
Eunice King (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Kathy Roach (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 10, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,774,360
Expenses
$1,639,461
Net Income
$134,899
Net Assets
$3,630,983
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,660,607
93.6%
Investment Income $103,790
5.8%
Bond Proceeds $0
Royalties $9,963
0.6%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $207,668
12.7%
Professional Fundraising Fees $0
Other Salaries and Wages $259,128
15.8%
Assets/Debt
Total Assets $42,533,368
Total Liabilities $38,902,385
Net Assets $3,630,983
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $113,765 $0 $18,509
Leslie Taylor (Vp Lending) $40,450 $0 $0
Tina Ryan (Vp Member Services) $34,944 $0 $0
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member) $0 $0 $0
Bonnie Lowrance (Board Member (Resigned July 2015)) $0 $0 $0
Eunice King (Board Member) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
Scott Newey (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,761,696
Expenses
$1,715,696
Net Income
$46,000
Net Assets
$3,496,084
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,663,637
94.4%
Investment Income $86,833
4.9%
Bond Proceeds $0
Royalties $11,226
0.6%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $203,198
11.8%
Professional Fundraising Fees $0
Other Salaries and Wages $279,257
16.3%
Assets/Debt
Total Assets $40,482,563
Total Liabilities $36,986,479
Net Assets $3,496,084
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $110,036 $0 $19,156
Leslie Taylor (Vp Lending) $39,680 $0 $0
Tina Ryan (Vp Member Services) $34,326 $0 $0
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member) $0 $0 $0
Bonnie Lowrance (Board Member) $0 $0 $0
Eunice King (Board Member) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Sept. 9, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,764,763
Expenses
$1,597,381
Net Income
$167,382
Net Assets
$3,450,084
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,664,757
94.3%
Investment Income $90,852
5.1%
Bond Proceeds $0
Royalties $9,154
0.5%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $195,261
12.2%
Professional Fundraising Fees $0
Other Salaries and Wages $282,793
17.7%
Assets/Debt
Total Assets $38,650,710
Total Liabilities $35,200,626
Net Assets $3,450,084
Compensation
Key Employees and Officers Compensation Related Other
James Spafford (President) $106,371 $0 $18,029
Leslie Taylor (Vp Lending) $38,485 $0 $0
Tina Ryan (Vp Member Services) $32,376 $0 $0
Joe Mistek (Chairperson) $0 $0 $0
Richard Phillips (Vice Chairperson) $0 $0 $0
Kelly Walker (Secretary/Treasurer) $0 $0 $0
Patricia Atteberry (Board Member) $0 $0 $0
Bonnie Lowrance (Board Member) $0 $0 $0
Eunice King (Board Member) $0 $0 $0
Bill Steele (Board Member) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 13, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF
PDF (2 of 2)

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF
PDF (2 of 2)

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

See an issue with the data?

Contact Us

About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated