Sep, 30, 2025 — FIRST MISSOURI CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT LOUIS, MO with 2 branch locations and about $113.76 million in total assets. Opened 99 years ago in 1927, FIRST MISSOURI CREDIT UNION has about 7,923 members and employs 33 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | FIRST MISSOURI CREDIT UNION |
|---|---|
| Address: (Main Office) | 1690 Lemay Ferry Rd SAINT LOUIS, MO 63125 |
| Phone: | (314) 544-5050 |
| Fax: | (314) 544-1088 |
| Website: | https://www.1stmocu.org |
| Branches: | 2 branch locations |
| Members: | 7,923 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 62716 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1927 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $113,763,274 |
| CEO/Manager: | Steve Poniewaz |
| Chairperson: | Michael Stemmler |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,770,023 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 31,596,766 |
| Unsecured Loans | 3,933,885 |
| Other Loans | 52,233,969 |
| TOTAL LOANS | 87,764,620 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -781,304 |
| Land And Building | 7,062,970 |
| Other Fixed Assets | 555,282 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 946,268 |
| All Other Assets | 0 |
| TOTAL ASSETS | 113,763,274 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 87,957 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,085,499 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 30,067,963 |
| Regular shares | 36,523,302 |
| All Other Shares & Deposits | 34,444,946 |
| TOTAL SHARES & DEPOSITS | 101,036,212 |
| TOTAL LIABILITIES | 102,209,668 |
| Regular Reserve | 0 |
| Other Reserves | -395,993 |
| Undivided Earnings | 11,949,599 |
| TOTAL EQUITY | 11,553,606 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 113,763,274 |
| INCOME & EXPENSE | |
| Loan Income | 4,442,619 |
| Investment Income | 329,907 |
| Other Income | 896,652 |
| Total Employee Compensation & Benefits | 1,899,683 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,963,697 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 547,106 |
| Cost of Funds | 1,266,436 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 282,132 |
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