MAZUMA Credit Union
Nonprofit profile at a glance
- EIN
- 440544335
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Overland Park, KS, US
- Phone
- 9135745000
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $76,432,995
- Expenses
- $74,586,167
- Assets
- $984,720,369
- Liabilities
- $886,219,245
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- DEONNE CHRISTENSEN (CEO)
Highest reported compensation
- DEONNE CHRISTENSEN (CEO): $445,970 total reported compensation
- DANIEL ENGELHARD (CLO): $347,138 total reported compensation
- MICHELLE WOOD (CHIEF CULTURE OFFICER): $286,894 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Mazuma Credit Union is a Member-owned, not-for-profit financial institution serving Kansas City since 1948. We provide the same products and services as a bank, but with a local focus and dedication to giving back to our Members and our community.
What it reported doing in 2024
Provide checking account and transaction services and account services for 47,622 members.
Operating model
- Revenue model
- Earned-program. 83% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 90
- Accountability: 100
- Sustainability: 53
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 90.9%; rating input score 91; 6th percentile among comparable filings
- Pay-setting controls: 5 of 6 controls in place; rating input score 83
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 95.7%; rating input score 96; 29th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 2.4%; rating input score 45; 45th percentile among comparable filings
- Total-asset coverage ratio: 13.2; rating input score 93; 93rd percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 13; 13th percentile among comparable filings
- Officer compensation ratio: 4.4%; rating input score 22; 22nd percentile among comparable filings
Growth
- Program expense growth: 1.3% per year; rating input score 100; 12th percentile among comparable filings
- Revenue growth: 6.3% per year; rating input score 100; 55th percentile among comparable filings
- Asset growth: 6.7% per year; rating input score 100; 49th percentile among comparable filings
Details
- What they do: 5 programs and campaigns described on the official site · 17 operating locations identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 9 of 9 board members independent · 9 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $446K · 24 people listed · 5 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $4.2M reported
- Consistency: 12 of 13 current checks pass · 1 finding to review
- Schedules: 7 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 32 filed money-flow records
- Related organizations: 8 filed related-organization links
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Operating margin scored 45/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 13/100.
- High — Sustainability: Officer compensation ratio scored 22/100.