Civic Intelligence

Members 1St Credit Union

990 • Fiscal year 2015 • EIN 03-0197116

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 07, 2016

10 Browne Court PO Box 8245Brattleboro, VT 05304-8245

(802) 257-5131

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

85th percentile

0.91x

Higher debt load relative to assets than 85% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

19th percentile

13.51x

Higher debt load relative to revenue than 19% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

78th percentile

14%

Higher net margin than 78% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

44th percentile

$70,000

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

84th percentile

8.3%

Faster asset growth than 84% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

67th percentile

3.5%

Faster revenue growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Assets

Up

$15,240,191

Up $1,165,391 (+8.3%) from 2014

Net Assets

Up

$1,321,691

Up $144,540 (+12%) from 2014

Liabilities

Up

$13,918,500

Up $1,020,851 (+7.9%) from 2014

Revenue

Up

$1,030,509

Up $35,323 (+3.5%) from 2014

Expenses

Up

$885,969

Up $32,496 (+3.8%) from 2014

Net Income

Up

$144,540

Up $2,827 (+2.0%) from 2014

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $10,803,547Liabilities 2010: $9,890,073Net Assets 2010: $913,4742010Assets 2011: $11,580,995Liabilities 2011: $10,561,793Net Assets 2011: $1,019,2022011Assets 2012: $13,065,841Liabilities 2012: $12,103,932Net Assets 2012: $961,9092012Assets 2013: $12,555,873Liabilities 2013: $11,520,435Net Assets 2013: $1,035,4382013Assets 2014: $14,074,800Liabilities 2014: $12,897,649Net Assets 2014: $1,177,1512014Assets 2015: $15,240,191Liabilities 2015: $13,918,500Net Assets 2015: $1,321,6912015Assets 2016: $15,231,760Liabilities 2016: $13,765,903Net Assets 2016: $1,465,8572016Assets 2017: $15,558,030Liabilities 2017: $14,040,568Net Assets 2017: $1,517,4622017Assets 2018: $15,831,072Liabilities 2018: $14,241,816Net Assets 2018: $1,589,2562018Assets 2019: $14,865,643Liabilities 2019: $13,273,767Net Assets 2019: $1,591,8762019Assets 2020: $16,938,066Liabilities 2020: $15,404,174Net Assets 2020: $1,533,8922020Assets 2021: $18,220,360Liabilities 2021: $16,596,500Net Assets 2021: $1,623,8602021Assets 2022: $16,999,218Liabilities 2022: $15,276,329Net Assets 2022: $1,722,8892022Assets 2023: $17,231,872Liabilities 2023: $15,256,990Net Assets 2023: $1,974,8822023Assets 2024: $21,181,241Liabilities 2024: $19,176,314Net Assets 2024: $2,004,9272024

Highlighted filing

2015

Assets$15,240,191
Liabilities$13,918,500
Net Assets$1,321,691

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $769,3662010Expenses 2011: $833,9122011Expenses 2012: $958,3292012Revenue 2013: $905,421Expenses 2013: $831,892Net Income 2013: $73,5292013Revenue 2014: $995,186Expenses 2014: $853,473Net Income 2014: $141,7132014Revenue 2015: $1,030,509Expenses 2015: $885,969Net Income 2015: $144,5402015Revenue 2016: $1,000,258Expenses 2016: $856,092Net Income 2016: $144,1662016Revenue 2017: $973,701Expenses 2017: $922,096Net Income 2017: $51,6052017Revenue 2018: $1,070,332Expenses 2018: $998,538Net Income 2018: $71,7942018Revenue 2019: $1,054,855Expenses 2019: $1,052,235Net Income 2019: $2,6202019Revenue 2020: $883,101Expenses 2020: $941,085Net Income 2020: -$57,9842020Revenue 2021: $822,671Expenses 2021: $732,693Net Income 2021: $89,9782021Revenue 2022: $923,834Expenses 2022: $824,805Net Income 2022: $99,0292022Revenue 2023: $1,335,424Expenses 2023: $1,083,431Net Income 2023: $251,9932023Revenue 2024: $1,355,422Expenses 2024: $1,325,377Net Income 2024: $30,0452024

Highlighted filing

2015

Revenue$1,030,509
Expenses$885,969
Net Income$144,540
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 7, 2016
Return Version
2015v2.1
Gross Receipts
$1,030,509
Mission and Program Overview

Mission

Services directly related to Credit Union operations providing savings and loans to member base of

Credit Union / Not for profit financial institution

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,190,985$11,249,403▼ $941,582
Savings and Temporary Cash Investments$1,109,431$3,263,561▲ $2,154,130
Rtn Earn Endowment Incm Other Fnds$1,177,151$1,321,691▲ $144,540
Land, Buildings, and Equipment, Net$306,107$282,045▼ $24,062
Cash and Non-Interest-Bearing Accounts$308,363$262,288▼ $46,075
Prepaid Expenses and Deferred Charges$9,143$23,034▲ $13,891
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0--
Total Assets$14,074,800$15,240,191▲ $1,165,391
Other Assets Total$150,771$159,860▲ $9,089
Liabilities
Other Liabilities$12,844,991$13,842,929▲ $997,938
Accounts Payable and Accrued Expenses$52,658$75,571▲ $22,913
Total Liabilities$12,897,649$13,918,500▲ $1,020,851
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,177,151$1,321,691▲ $144,540
Total Liabilities and Net Assets / Fund Balance$14,074,800$15,240,191▲ $1,165,391

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$172,428$224,493$0
Other Land Buildings$5,425$4,439$0
Land$84,138-$0
Equipment$20,054$199,417$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Evelyn SiroisCEOFT$70,000$70,000

Board Members and Trustees

NameTitle
Betty ChamberlineChairperson BOD
Kathy KingChairperson Supervisory Committee
David CottonVice Chairperson BOD
Steve ClarkDirector
William DugganDirector
William HarveyDirector
Andi CoulombeSecretary BOD
Rhea RhodesSupervisory Committee Member
Susan WinterSupervisory Committee Member
Judith WisellTreasurer BOD
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,018,237
Investment Income
$3,577
Other Revenue
$8,695
Change in Net Assets
$144,540

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,030,509
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$1,030,509
Total Revenue per Form 990
$1,030,509
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$451,574
Salaries, Compensation, and Employee Benefits$314,569
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$202,981
Benefits to Members---$119,826
Other Expenses---$71,382
Current Officers, Directors, Trustees, and Key Employees---$70,000
Fees for Services Accounting---$65,459
Information Technology---$39,378
Office Expenses---$37,346
Advertising---$32,757
Payroll Taxes---$25,383
Depreciation Depletion---$25,314
Occupancy---$24,108
All Other Expenses---$23,985
Insurance---$16,380
Other Employee Benefits---$16,205
Conferences and Meetings---$14,533
Payments to Affiliates---$932
Total Functional Expenses$0$0$0$885,969

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$885,969
Total Expenses per Audited Statements$885,969
Total Expenses per Form 990$885,969
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deposit Accounts$13,842,929
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

We have 2066 members

Form 990, Part VI, Section A, Line 7A

Members elect the Board of Directors at the annual meeting. Board of Directors appoint the Supervisory Committee members.

Form 990, Part VI, Section A, Line 7B

Members approve Credit Union borrowing limits and Charter changes at the Annual Meeting.

Form 990, Part VI, Section B, Line 11B

Board of Directors review all financials at monthly meetings.

Form 990, Part VI, Section B, Line 12C

Discussed at Board of Directors meetings quarterly.

Form 990, Part VI, Section C, Line 19

Posted in lobby

Filing and Contact Details

Filer

Filer Name
Members 1st Credit Union
EIN
03-0197116
Phone
8022575131
Address
10 Browne Court PO Box 8245, Brattleboro, VT 05304-8245

Signing Officer

Name
Evelyn Sirois
Title
CEO
Phone
8022575131
Signed
2016-04-07

Organization Details

Formed
1956
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
2,066
Employees
0
Volunteers
10
Raw XML AppendixShowing 400 of 430 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt052658
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt075571
IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Credit Union / Not for profit financial institution
IRS990/AdvertisingGrp/TotalAmt032757
IRS990/AllOtherExpensesGrp/TotalAmt023985
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt0119826
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Members 1st Credit Union
IRS990/BooksInCareOfDetail/PhoneNum08022575131
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt010 Browne Court PO Box 8245
IRS990/BooksInCareOfDetail/USAddress/CityNm0Brattleboro
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0053048245
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0308363
IRS990/CashNonInterestBearingGrp/EOYAmt0262288
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt070000
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt014533
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt0119826
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03577
IRS990/CYOtherExpensesAmt0451574
IRS990/CYOtherRevenueAmt08695
IRS990/CYProgramServiceRevenueAmt01018237
IRS990/CYRevenuesLessExpensesAmt0144540
IRS990/CYSalariesCompEmpBnftPaidAmt0314569
IRS990/CYTotalExpensesAmt0885969
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01030509
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt025314
IRS990/Desc0Not a required field since we are a 501 (c) 14
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt065459
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0Betty Chamberline
IRS990/Form990PartVIISectionAGrp/PersonNm1David Cotton
IRS990/Form990PartVIISectionAGrp/PersonNm2Judith Wisell
IRS990/Form990PartVIISectionAGrp/PersonNm3Andi Coulombe
IRS990/Form990PartVIISectionAGrp/PersonNm4William Harvey
IRS990/Form990PartVIISectionAGrp/PersonNm5William Duggan
IRS990/Form990PartVIISectionAGrp/PersonNm6Steve Clark
IRS990/Form990PartVIISectionAGrp/PersonNm7Kathy King
IRS990/Form990PartVIISectionAGrp/PersonNm8Rhea Rhodes
IRS990/Form990PartVIISectionAGrp/PersonNm9Susan Winter
IRS990/Form990PartVIISectionAGrp/PersonNm10Evelyn Sirois
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1070000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairperson BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairperson BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary BOD
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairperson Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01030509
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt02066
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt039378
IRS990/InsuranceGrp/TotalAmt016380
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt03577
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03577
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt01
IRS990/IRPDocumentW2GCnt012
IRS990/LandBldgEquipAccumDeprecAmt0428349
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0306107
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0282045
IRS990/LandBldgEquipCostOrOtherBssAmt0710394
IRS990/LegalDomicileStateCd0VT
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Services directly related to Credit Union operations providing savings and loans to member base of
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt01177151
IRS990/NetAssetsOrFundBalancesEOYAmt01321691
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt024108
IRS990/OfficeExpensesGrp/TotalAmt037346
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0150771
IRS990/OtherAssetsTotalGrp/EOYAmt0159860
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016205
IRS990/OtherExpensesGrp/Desc0Loan Loss
IRS990/OtherExpensesGrp/Desc1Share Draft / ATM / VISA Expenses
IRS990/OtherExpensesGrp/TotalAmt0100000
IRS990/OtherExpensesGrp/TotalAmt171382
IRS990/OtherLiabilitiesGrp/BOYAmt012844991
IRS990/OtherLiabilitiesGrp/EOYAmt013842929
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0CUNA Insurance Premiums
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt08695
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt08695
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt08695
IRS990/OtherSalariesAndWagesGrp/TotalAmt0202981
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt012190985
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011249403
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0932
IRS990/PayrollTaxesGrp/TotalAmt025383
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09143
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt023034
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Members 1st Credit Union
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans / program services
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01018237
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01018237
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt071214
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0831
IRS990/PYOtherExpensesAmt0428552
IRS990/PYOtherRevenueAmt09668
IRS990/PYProgramServiceRevenueAmt0984687
IRS990/PYRevenuesLessExpensesAmt0141713
IRS990/PYSalariesCompEmpBnftPaidAmt0353707
IRS990/PYTotalExpensesAmt0853473
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0995186
IRS990/ReconcilationRevenueExpnssAmt0144540
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01177151
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01321691
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01109431
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03263561
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0172428
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0224493
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0396921
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt020054
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0199417
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0219471
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt0885969
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt084138
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt084138
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05425
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt04439
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt09864
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013842929
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Deposit Accounts
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01030509
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0282045
IRS990ScheduleD/TotalExpensesPerForm990Amt0885969
IRS990ScheduleD/TotalLiabilityAmt013842929
IRS990ScheduleD/TotalRevenuePerForm990Amt01030509
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01030509
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0885969
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We have 2066 members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the Board of Directors at the annual meeting. Board of Directors appoint the Supervisory Committee members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members approve Credit Union borrowing limits and Charter changes at the Annual Meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Board of Directors review all financials at monthly meetings.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Discussed at Board of Directors meetings quarterly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Posted in lobby
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0VT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt014074800
IRS990/TotalAssetsEOYAmt015240191
IRS990/TotalAssetsGrp/BOYAmt014074800
IRS990/TotalAssetsGrp/EOYAmt015240191
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0885969
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt012897649
IRS990/TotalLiabilitiesEOYAmt013918500
IRS990/TotalLiabilitiesGrp/BOYAmt012897649
IRS990/TotalLiabilitiesGrp/EOYAmt013918500
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01177151
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01321691
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01018237
IRS990/TotalReportableCompFromOrgAmt070000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01030509
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01030509
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014074800
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015240191

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$21.2$19.2$2.00$1.36$1.33$0.03
2023Detailed filing. Detailed filing data is available for this year.$17.2$15.3$1.97$1.34$1.08$0.25
2022Detailed filing. Detailed filing data is available for this year.$17.0$15.3$1.72$0.92$0.82$0.10
2021Detailed filing. Detailed filing data is available for this year.$18.2$16.6$1.62$0.82$0.73$0.09
2020Detailed filing. Detailed filing data is available for this year.$16.9$15.4$1.53$0.88$0.94$0.06
2019Detailed filing. Detailed filing data is available for this year.$14.9$13.3$1.59$1.05$1.05$0.00
2018Detailed filing. Detailed filing data is available for this year.$15.8$14.2$1.59$1.07$1.00$0.07
2017Detailed filing. Detailed filing data is available for this year.$15.6$14.0$1.52$0.97$0.92$0.05
2016Detailed filing. Detailed filing data is available for this year.$15.2$13.8$1.47$1.00$0.86$0.14
2015Detailed filing. Detailed filing data is available for this year.$15.2$13.9$1.32$1.03$0.89$0.14
2014Detailed filing. Detailed filing data is available for this year.$14.1$12.9$1.18$1.00$0.85$0.14
2013Detailed filing. Detailed filing data is available for this year.$12.6$11.5$1.04$0.91$0.83$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.1$12.1$0.96$0.96
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.6$1.02$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$9.89$0.91$0.77
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $10M-$25M nonprofits