Sep, 30, 2025 — DE SOTO MO PAC CREDIT UNION is a federally insured state chartered credit union headquartered in DE SOTO, MO with 1 branch location and about $27.42 million in total assets. Opened 87 years ago in 1939, DE SOTO MO PAC CREDIT UNION has about 1,728 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | DE SOTO MO PAC CREDIT UNION |
|---|---|
| Address: (Main Office) | 2082 Rock Rd DE SOTO, MO 63020-1052 |
| Phone: | (636) 586-9922 |
| Fax: | (636) 586-5642 |
| Website: | https://www.desotomopaccu.com |
| Branches: | 1 branch locations |
| Members: | 1,728 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63507 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,424,879 |
| CEO/Manager: | Melissa L Thebeau |
| Chairperson: | Richard C Pica |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,447,270 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,604,354 |
| Unsecured Loans | 867,177 |
| Other Loans | 17,468,908 |
| TOTAL LOANS | 19,959,165 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -93,097 |
| Land And Building | 0 |
| Other Fixed Assets | 109,052 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 189,348 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,424,879 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 91,841 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 1,958,136 |
| Regular shares | 10,807,275 |
| All Other Shares & Deposits | 11,705,774 |
| TOTAL SHARES & DEPOSITS | 24,471,186 |
| TOTAL LIABILITIES | 24,563,027 |
| Regular Reserve | 0 |
| Other Reserves | 336,498 |
| Undivided Earnings | 2,525,354 |
| TOTAL EQUITY | 2,861,852 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,424,879 |
| INCOME & EXPENSE | |
| Loan Income | 872,380 |
| Investment Income | 29,880 |
| Other Income | 9,375 |
| Total Employee Compensation & Benefits | 240,396 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 200,129 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 22,886 |
| Cost of Funds | 445,032 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 124,925 |
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