Civic Intelligence

Members Plus Credit Union

EIN 04-2039851 • 501(c)14 • Medford, MA

View Organization Page

Profile

Provide quality, innovative, competitive, and secure financial products and services

29 High StreetMedford, MA 02155

www.memberspluscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

97th percentile

0.95x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

99th percentile

25.63x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

1st percentile

-51%

Higher net margin than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

6th percentile

$222,052

Higher top officer pay than 6% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

1st percentile

-12%

Faster asset growth than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

1st percentile

-11%

Faster revenue growth than 1% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$322,079,822

Down $42,491,845 (-12%) from 2023

Liabilities

Down

$305,553,430

Down $42,209,001 (-12%) from 2023

Net Assets

Down

$16,526,392

Down $282,844 (-1.7%) from 2023

Operations
Liabilities / Revenue99th percentileNet Margin1st percentile

Revenue

Down

$11,923,332

Down $1,549,245 (-11%) from 2023

Expenses

Up

$18,040,472

Up $3,324,330 (+23%) from 2023

Net Income

Down

-$6,117,140

Down $4,873,575 (-392%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth1st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $214,374,521Liabilities 2010: $184,712,448Net Assets 2010: $29,662,0732010Assets 2011: $218,019,566Liabilities 2011: $187,616,396Net Assets 2011: $30,403,1702011Assets 2012: $225,272,626Liabilities 2012: $194,419,895Net Assets 2012: $30,852,7312012Assets 2013: $224,966,561Liabilities 2013: $195,624,629Net Assets 2013: $29,341,9322013Assets 2014: $227,332,007Liabilities 2014: $193,444,054Net Assets 2014: $33,887,9532014Assets 2015: $221,853,225Liabilities 2015: $188,591,292Net Assets 2015: $33,261,9332015Assets 2016: $230,578,600Liabilities 2016: $196,401,493Net Assets 2016: $34,177,1072016Assets 2017: $250,653,498Liabilities 2017: $214,287,610Net Assets 2017: $36,365,8882017Assets 2018: $305,910,962Liabilities 2018: $262,735,961Net Assets 2018: $43,175,0012018Assets 2019: $311,960,704Liabilities 2019: $265,368,861Net Assets 2019: $46,591,8432019Assets 2020: $326,864,624Liabilities 2020: $279,738,849Net Assets 2020: $47,125,7752020Assets 2021: $342,620,781Liabilities 2021: $297,309,416Net Assets 2021: $45,311,3652021Assets 2022: $340,150,584Liabilities 2022: $324,488,517Net Assets 2022: $15,662,0672022Assets 2023: $364,571,667Liabilities 2023: $347,762,431Net Assets 2023: $16,809,2362023Assets 2024: $322,079,822Liabilities 2024: $305,553,430Net Assets 2024: $16,526,3922024

Highlighted filing

2024

Assets$322,079,822
Liabilities$305,553,430
Net Assets$16,526,392
Open 2024 Filing

Operations Trend

Revenue Growth1st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$10M$0-$10MRevenue 2010: $9,885,993Expenses 2010: $9,375,608Net Income 2010: $510,3852010Expenses 2011: $8,680,9842011Revenue 2012: $8,455,856Expenses 2012: $8,018,048Net Income 2012: $437,8082012Revenue 2013: $8,297,178Expenses 2013: $7,658,200Net Income 2013: $638,9782013Revenue 2014: $8,186,676Expenses 2014: $7,127,711Net Income 2014: $1,058,9652014Revenue 2015: $8,208,030Expenses 2015: $7,260,894Net Income 2015: $947,1362015Revenue 2016: $8,127,964Expenses 2016: $7,193,266Net Income 2016: $934,6982016Revenue 2017: $9,081,091Expenses 2017: $7,703,777Net Income 2017: $1,377,3142017Revenue 2018: $10,442,539Expenses 2018: $9,258,315Net Income 2018: $1,184,2242018Revenue 2019: $12,526,111Expenses 2019: $12,339,982Net Income 2019: $186,1292019Revenue 2020: $11,615,640Expenses 2020: $11,389,858Net Income 2020: $225,7822020Revenue 2021: $10,885,310Expenses 2021: $10,417,241Net Income 2021: $468,0692021Revenue 2022: $11,966,084Expenses 2022: $11,203,906Net Income 2022: $762,1782022Revenue 2023: $13,472,577Expenses 2023: $14,716,142Net Income 2023: -$1,243,5652023Revenue 2024: $11,923,332Expenses 2024: $18,040,472Net Income 2024: -$6,117,1402024

Highlighted filing

2024

Revenue$11,923,332
Expenses$18,040,472
Net Income-$6,117,140
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$322,079,822
Liabilities
$305,553,430
Net assets
$16,526,392
Revenue
$11,923,332
Expenses
$18,040,472
Net income
-$6,117,140
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$322$306$16.5$11.9$18.0$6.12
2023Detailed filing. Detailed filing data is available for this year.$365$348$16.8$13.5$14.7$1.24
2022Detailed filing. Detailed filing data is available for this year.$340$324$15.7$12.0$11.2$0.76
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$343$297$45.3$10.9$10.4$0.47
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$327$280$47.1$11.6$11.4$0.23
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$312$265$46.6$12.5$12.3$0.19
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$306$263$43.2$10.4$9.26$1.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$251$214$36.4$9.08$7.70$1.38
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$231$196$34.2$8.13$7.19$0.93
2015Detailed filing. Detailed filing data is available for this year.$222$189$33.3$8.21$7.26$0.95
2014Detailed filing. Detailed filing data is available for this year.$227$193$33.9$8.19$7.13$1.06
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$225$196$29.3$8.30$7.66$0.64
2012Summary only. Only limited summary data is available for this year.$225$194$30.9$8.46$8.02$0.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$218$188$30.4$8.68
2010Summary only. Only limited summary data is available for this year.$214$185$29.7$9.89$9.38$0.51
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.0
Gross Receipts
$11,923,332
Mission and Program Overview

Mission

Provide quality, innovative, competitive, and secure financial products and services

Provide secure products and services to membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$188,389,107$182,667,576▼ $5,721,531
Investments in Publicly Traded Securities$145,228,417$94,919,383▼ $50,309,034
Savings and Temporary Cash Investments$6,703,810$26,294,780▲ $19,590,970
Rtn Earn Endowment Incm Other Fnds$15,566,032$16,526,392▲ $960,360
Land, Buildings, and Equipment, Net$7,473,112$7,028,885▼ $444,227
Receivables From Officers Etc$2,795,563$2,655,697▼ $139,866
Cash and Non-Interest-Bearing Accounts$1,638,758$1,864,022▲ $225,264
Other Notes and Loans Receivable, Net$1,233,823$1,237,045▲ $3,222
Prepaid Expenses and Deferred Charges$421,081$595,325▲ $174,244
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0--
Investments Program Related$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0--
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0--
Total Assets$362,193,385$322,079,822▼ $40,113,563
Other Assets Total$8,309,714$4,817,109▼ $3,492,605
Liabilities
Accounts Payable and Accrued Expenses$342,785,460$301,668,467▼ $41,116,993
Other Liabilities$3,841,893$3,884,963▲ $43,070
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$346,627,353$305,553,430▼ $41,073,923
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,566,032$16,526,392▲ $960,360
Total Liabilities and Net Assets / Fund Balance$362,193,385$322,079,822▼ $40,113,563

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,646,056$2,278,722$6,924,778
Land$1,624,730-$1,624,730
Equipment$302,334$964,928$1,267,262
Leasehold Improvements$288,892$485,436$774,328
Other Land Buildings$166,873$595,451$762,324
Compensation and Service Providers
Top Officer Pay6th percentile

Employees

NameTitleBaseTotal
John MurphyCEO$222,052$222,052
Michael WilbertonCFO$175,000$175,000

Board Members and Trustees

NameTitle
Craig PinkhamChairman
Daniel HurleyVice Chairman
Michael MaloneyVice Chairman
Craig ConnollyDirector
James ManningDirector
Patrick CarneyDirector
Richard HughesDirector
Robert SenierDirector
Terrance FoleyDirector
Thomas RocheDirector
Tim SullivanDirector
William CarrDirector
Mark WisnesClerk
Michael NeeTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,545,354
Investment Income
$10,377,978
Other Revenue
$0
Change in Net Assets
$-6,117,140
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,199,766
Salaries, Compensation, and Employee Benefits$5,184,034
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$6,656,672
Other Salaries and Wages---$3,690,026
Office Expenses---$1,211,141
Information Technology---$1,087,693
Other Expenses---$1,007,250
Occupancy---$827,981
Pension Plan Contributions---$735,492
Current Officers, Directors, Trustees, and Key Employees---$397,052
Advertising---$371,200
Payroll Taxes---$351,446
Depreciation Depletion---$266,233
Fees for Services Accounting---$216,450
All Other Expenses---$199,738
Insurance---$64,942
Fees for Service Investment Mgmnt Fees---$62,288
Travel---$41,861
Conferences and Meetings---$30,800
Fees for Services Management---$15,988
Other Employee Benefits---$10,018
Fees for Services Legal---$6,469
Total Functional Expenses$0$0$0$18,040,472
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,795,563$2,655,697▼ $139,866
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Reserve for Post Retirement$1,478,648
Reserve for Sick/vacation Time$1,423,076
Unearned Interest on Heat Loans$939,239
Defferred Income$44,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
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

“Each depositor who has a share account equal or greatern than $5 is a member.”

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

“Annual elections are held each year to replace directors whose term has expired.”

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

“Certain policy changes need to be approved by vote of membership.”

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

“The information is reviewed as part of the credit unions annual audit and the findings are presented to the board.”

Form 990, Part VI, Section B, Line 15

“The ceo and executive management have an annual review performed by the executive/personnel committee.”

Form 990, Part VI, Section C, Line 19

“Upon request the cu's financials are posted monthly within the branches.”

Filing and Contact Details

Filer

Filer Name
Members Plus Credit Union
EIN
04-2039851
Phone
7819051540
Address
29 HIGH STREET, MEDFORD, MA 02155

Signing Officer

Name
Michael Wilberton
Title
Chief Financial Officer
Phone
7819051540
Signed
2025-05-06

Organization Details

Principal Officer
Michael Wilberton
Formed
1940
Legal Domicile
Ma
Voting Board Members
14
Independent Board Members
0
Employees
52
Volunteers
14
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Form 990, Part XI, Line 9 - NET CHANGE POST RETIREMENT COMP INC 60,330. NET CHANGE RETIREMENT COMPR INC 1,632,213”

Raw XML AppendixShowing 400 of 699 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
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/BooksInCareOfDetail/PhoneNum07819051500
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IRS990/CashNonInterestBearingGrp/EOYAmt01864022
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IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0397052
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
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IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DescribedInSection501c3Ind00
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IRS990/FeesForServicesProfFundraising/TotalAmt00
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IRS990/Form990PartVIISectionAGrp/PersonNm0JOHN MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL WILBERTON
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES MANNING
IRS990/Form990PartVIISectionAGrp/PersonNm3WILLIAM CARR
IRS990/Form990PartVIISectionAGrp/PersonNm4DANIEL HURLEY
IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL MALONEY
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK WISNES
IRS990/Form990PartVIISectionAGrp/PersonNm7CRAIG PINKHAM
IRS990/Form990PartVIISectionAGrp/PersonNm8PATRICK CARNEY
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL NEE
IRS990/Form990PartVIISectionAGrp/PersonNm10THOMAS ROCHE
IRS990/Form990PartVIISectionAGrp/PersonNm11ROBERT SENIER
IRS990/Form990PartVIISectionAGrp/PersonNm12TIM SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm13RICHARD HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm14CRAIG CONNOLLY
IRS990/Form990PartVIISectionAGrp/PersonNm15TERRANCE FOLEY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1175000
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