K C K Firemen and Police Credit Union

Nonprofit profile at a glance

EIN
480626763
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Kansas City, KS, USA
Phone
9133218792
Rating
88
Verdict
STRONG
Rating confidence
Moderate

Reported finances

Revenue
$1,027,082
Expenses
$970,842
Assets
$16,351,996
Liabilities
$13,564,185

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

6 people listed

Executive titles in this filing

  • Bryan Kloiber (President / Board Member)
  • Rick Armstrong (Vice president / Board Member)

Highest reported compensation

  • Harry E Lohr (Secretary Treasurer): $108,720 total reported compensation
  • Jennifer Lohr (Assistant Manager): $92,340 total reported compensation
  • Mike Meyers (Board Member): $71,400 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Provide savings and loans to the employees and families of the Unified Government of Wyandotte County and City of Kansas City, Kansas. Total members at year end is 1894.

What it reported doing in 2025

Provide savings and loans to the employees and families of the Unified Government of Wyandotte County and City of Kansas City Kansas. Total members at year end is 1894.

Operating model

Revenue model
Other-operating. 100% of the money available for current operations came from other operating revenue.
Distribution model
Hybrid. The nonprofit split its reported program spending across 73% for direct work, and 27% for member benefits.

The verdict

STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and some filing-based governance responses are negative or unanswered.

Rating breakdown

  • Financial Efficiency: 86
  • Transparency & Controls: 92
  • Accountability: 90
  • Sustainability: 51
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 94.5%; rating input score 95
  • Program expense ratio: 100%; rating input score 100
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
  • Governance controls: 6 of 8 controls in place; rating input score 75
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: NotApplicable
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 5.5%; rating input score 46; 46th percentile among comparable filings
  • Total-asset coverage ratio: 16.84; rating input score 95; 95th percentile among comparable filings
  • Liabilities to assets ratio: 0.83; rating input score 6; 6th percentile among comparable filings
  • Officer compensation ratio: 28.1%; rating input score 9; 9th percentile among comparable filings

Growth

  • Program expense growth: 2.8% per year; rating input score 100; 26th percentile among comparable filings
  • Revenue growth: 2.9% per year; rating input score 100; 24th percentile among comparable filings
  • Asset growth: 3.9% per year; rating input score 100; 30th percentile among comparable filings

Details

  • Where the money goes: 94.5% of revenue deployed · 100% of spending went to programs
  • Governance: 5 of 5 board members independent · 6 of 8 filing controls reported
  • Programs: 1 filed program accomplishment · $971K in reported program spending
  • Leadership: top reported pay $109K · 6 people listed
  • Consistency: 23 of 23 current checks pass
  • Schedules: 3 filed schedules · includes major donors
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 3 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Moderate — Sustainability: Operating margin scored 46/100.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • High — Sustainability: Liabilities to assets ratio scored 6/100.
  • High — Sustainability: Officer compensation ratio scored 9/100.