Civic Intelligence

Mutual Security Credit Union Inc

990 • Fiscal year 2019 • EIN 06-0701899

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 16, 2020

12 Progress DriveShelton, CT 06851-4333

(203) 402-7434

Siviq Scores

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

Liabilities / Assets

98th percentile

0.93x

Higher debt load relative to assets than 98% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

77th percentile

18.72x

Higher debt load relative to revenue than 77% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

16th percentile

7.8%

Higher net margin than 16% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

9th percentile

$246,016

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

22nd percentile

3.0%

Faster asset growth than 22% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

27th percentile

6.1%

Faster revenue growth than 27% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Assets

Up

$319,353,478

Up $9,402,527 (+3.0%) from 2018

Net Assets

Up

$23,749,635

Up $1,229,162 (+5.5%) from 2018

Liabilities

Up

$295,603,843

Up $8,173,365 (+2.8%) from 2018

Revenue

Up

$15,788,404

Up $914,626 (+6.1%) from 2018

Expenses

Up

$14,559,242

Up $1,086,756 (+8.1%) from 2018

Net Income

Down

$1,229,162

Down $172,130 (-12%) from 2018

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $238,775,951Liabilities 2010: $221,453,641Net Assets 2010: $17,322,3102010Assets 2011: $234,687,836Liabilities 2011: $216,719,838Net Assets 2011: $17,967,9982011Assets 2012: $247,149,937Liabilities 2012: $228,682,915Net Assets 2012: $18,467,0222012Assets 2013: $239,439,126Liabilities 2013: $220,675,845Net Assets 2013: $18,763,2812013Assets 2014: $249,491,746Liabilities 2014: $230,311,619Net Assets 2014: $19,180,1272014Assets 2015: $255,906,948Liabilities 2015: $235,456,720Net Assets 2015: $20,450,2282015Assets 2016: $270,079,655Liabilities 2016: $249,210,925Net Assets 2016: $20,868,7302016Assets 2017: $280,684,890Liabilities 2017: $259,565,709Net Assets 2017: $21,119,1812017Assets 2018: $309,950,951Liabilities 2018: $287,430,478Net Assets 2018: $22,520,4732018Assets 2019: $319,353,478Liabilities 2019: $295,603,843Net Assets 2019: $23,749,6352019Assets 2020: $335,855,430Liabilities 2020: $310,955,926Net Assets 2020: $24,899,5042020Assets 2021: $354,262,560Liabilities 2021: $327,206,899Net Assets 2021: $27,055,6612021Assets 2022: $390,854,151Liabilities 2022: $363,939,211Net Assets 2022: $26,914,9402022Assets 2023: $357,474,048Liabilities 2023: $327,237,727Net Assets 2023: $30,236,3212023Assets 2024: $354,958,379Liabilities 2024: $323,462,691Net Assets 2024: $31,495,6882024

Highlighted filing

2019

Assets$319,353,478
Liabilities$295,603,843
Net Assets$23,749,635

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $13,770,0442010Expenses 2011: $12,248,5522011Expenses 2012: $11,930,0752012Revenue 2013: $11,968,755Expenses 2013: $11,672,494Net Income 2013: $296,2612013Revenue 2014: $12,035,310Expenses 2014: $11,618,464Net Income 2014: $416,8462014Revenue 2015: $13,089,342Expenses 2015: $11,819,241Net Income 2015: $1,270,1012015Revenue 2016: $13,037,692Expenses 2016: $12,619,190Net Income 2016: $418,5022016Revenue 2017: $13,484,180Expenses 2017: $13,233,729Net Income 2017: $250,4512017Revenue 2018: $14,873,778Expenses 2018: $13,472,486Net Income 2018: $1,401,2922018Revenue 2019: $15,788,404Expenses 2019: $14,559,242Net Income 2019: $1,229,1622019Revenue 2020: $15,192,487Expenses 2020: $13,995,742Net Income 2020: $1,196,7452020Revenue 2021: $14,669,690Expenses 2021: $12,433,167Net Income 2021: $2,236,5232021Revenue 2022: $15,885,151Expenses 2022: $13,489,120Net Income 2022: $2,396,0312022Revenue 2023: $17,991,355Expenses 2023: $16,626,896Net Income 2023: $1,364,4592023Revenue 2024: $20,187,778Expenses 2024: $18,920,512Net Income 2024: $1,267,2662024

Highlighted filing

2019

Revenue$15,788,404
Expenses$14,559,242
Net Income$1,229,162
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 16, 2020
Return Version
2019v5.1
Gross Receipts
$15,788,404
Mission and Program Overview

Mission

The mission of mutual security credit union (mscu) is to promote the economic well being of its members by providing a broad range of innovative financial products. These programs will be administered in a personalized environment by a professional staff and dedicated volunteers.

The mission of mutual security credit union (mscu) is to promote the economic well being of its members by providing a broad range of innovative financial products. These programs will be administered in a personalized environment by a professional staff and dedicated volunteers. Mscu offers members various consumer loan products (personal, auto, 1st & 2nd mortgages, home equity lines of credit, smart energy loans, visa credit cards).mscu also offers members visa check/debit cards as well as various savings, certificates & checking accounts

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$285,803,914$290,294,591▲ $4,490,677
Rtn Earn Endowment Incm Other Fnds$22,520,473$23,749,635▲ $1,229,162
Cash and Non-Interest-Bearing Accounts$5,606,695$9,193,310▲ $3,586,615
Land, Buildings, and Equipment, Net$5,051,273$6,421,132▲ $1,369,859
Savings and Temporary Cash Investments$2,730,000$3,477,000▲ $747,000
Investments Other Securities$1,694,500$764,500▼ $930,000
Prepaid Expenses and Deferred Charges$555,244$522,287▼ $32,957
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$309,950,951$319,353,478▲ $9,402,527
Other Assets Total$8,509,325$8,680,658▲ $171,333
Liabilities
Other Liabilities$285,283,356$293,475,397▲ $8,192,041
Escrow Account Liability$1,745,466$1,812,900▲ $67,434
Accounts Payable and Accrued Expenses$401,656$315,546▼ $86,110
Total Liabilities$287,430,478$295,603,843▲ $8,173,365
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,520,473$23,749,635▲ $1,229,162
Total Liabilities and Net Assets / Fund Balance$309,950,951$319,353,478▲ $9,402,527

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,183,905$4,409,024$5,592,929
Land$2,405,307-$2,405,307
Buildings$1,820,868$520,115$2,340,983
Leasehold Improvements$1,011,052$1,091,145$2,102,197
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Larry F HoldermanCEO EmeritasFT$199,972$46,044$246,016
Henry BaumCEOFT$187,168$40,751$227,919
Stephen J OsowieckiCFOFT$157,187$37,601$194,788
Ann NankervisVP Hr & ComplianceFT$122,970$23,943$146,913
Michael AugustiVP Retail and MarketingFT$134,443$11,675$146,118

Board Members and Trustees

NameTitle
Bruce M LikelyChair
Robert MaragesVice Chair
Robert J BastaDirector
Robert LubusSecretary
Ken DeckerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Nes Group INCContractor For 541 Westport Ave Bldg905 S MAIN ST BLDG B STE 201, Mansfield, MA 02048$821,505
Presidio Networked Solutions Group LLCHardware & Software SupportPO BOX 677638, Dallas, TX 75267$796,287
Diebold INCAtm Machines - Purchase & MaintPO BOX 643543, Pittsburgh, PA 15264$359,373
At&tPhone & Data LinesPO BOX 5019, Carol Stream, IL 60197$248,943
Jack Henry & Assoc INCCore Computer System & MainPO BOX 609, Monett, MO 65708$177,197
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,592,195
Investment Income
$196,209
Other Revenue
$0
Change in Net Assets
$1,229,162
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,281,964
Salaries, Compensation, and Employee Benefits$5,844,119
Grants and Similar Amounts Paid$6,050
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,189,354
Benefits to Members---$2,427,109
Office Expenses---$1,497,671
Information Technology---$919,778
Occupancy---$863,401
Other Employee Benefits---$677,766
Depreciation Depletion---$530,662
Current Officers, Directors, Trustees, and Key Employees---$473,936
Payroll Taxes---$351,832
Interest---$162,399
Pension Plan Contributions---$151,231
Conferences and Meetings---$137,513
Advertising---$120,261
Fees for Services Management---$120,054
Insurance---$75,643
Fees for Services Accounting---$54,800
Travel---$16,056
Other Expenses---$15,878
All Other Expenses---$7,119
Grants to Domestic Individuals---$6,050
Fees for Services Legal---$295
Total Functional Expenses$0$0$0$14,559,242
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Son of CEOGross EarningsNo$32,112
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares on Deposit$281,331,890
Other Liabilities and Loans$12,143,507
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
Yes
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
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

The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.

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

Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.

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

Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.

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

The chairman, and vice-chairman or treasurer of the board of directors will review form 990 prior to its filing.

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

The credit union policy has guidelines for various transactions to ensure that our business activities are performed in compliance with the sate of ct statutes. Segregation of duties is managed to ensure that system transactions are in compliance with the policy. Outside of our core system, other authorizations to perform high level functions are assigned under dual approval within policy limits. Board approval is received when necessary for those transactions as stated in the policy.

Form 990, Part VI, Section B, Line 15

Salary and job description data is obtained from a consultant, hr value group, whose data includes salary ranges from the cuna salary survey, cues survey, and the economic research institute. Ceo salary is approved by the board of directors.

Form 990, Part VI, Section C, Line 19

Financial statements, conflict of interest policy and governing documents are available upon request for the same period of disclosure as set forth in section 6104(d).

Filing and Contact Details

Filer

Filer Name
Mutual Security Credit Union Inc
EIN
06-0701899
Phone
2034027434
Address
12 PROGRESS DRIVE, SHELTON, CT 06851-4333

Signing Officer

Name
Stephen Osowiecki
Title
CFO
Phone
2034027409
Signed
2020-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Henry T Baum
Formed
2001
Legal Domicile
Ct
Voting Board Members
5
Independent Board Members
5
Employees
93
Volunteers
6

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1100, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
Phone
6123324300
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

Mscu has escrow accounts for members with first mortgage loans. Their funds accumulate monthly and when due, mscu pays their town/city property taxes and insurance on their behalf.

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

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO EMERITAS
IRS990/Form990PartVIISectionAGrp/TitleTxt1CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP HR & COMPLIANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt4VP RETAIL AND MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr02001
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt06050
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt015788404
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0919778
IRS990/InsuranceGrp/TotalAmt075643
IRS990/InterestGrp/TotalAmt0162399
IRS990/InvestmentIncomeGrp/ExclusionAmt0196209
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0196209
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01694500
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0764500
IRS990/IRPDocumentCnt06867
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06020284
IRS990/LandBldgEquipBasisNetGrp/BOYAmt05051273
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06421132
IRS990/LandBldgEquipCostOrOtherBssAmt012441416
IRS990/LegalDomicileStateCd0CT
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE COMMITTED TO ENSURING A FUTURE OF GREATER WELL-BEING FOR WESTERN CONNECTICUT. WE BELIEVE THAT WITH FINANCIAL LITERACY, HEALTH AND WELLNESS, A SAFE PLACE TO CALL HOME, AND A SUSTAINABLE ENVIRONMENT WE CAN CREATE PROSPERITY AND SUCCESS FOR EVERYONE'S WELL-BEING IN OUR COMMUNITIES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt022520473
IRS990/NetAssetsOrFundBalancesEOYAmt023749635
IRS990/NetUnrelatedBusTxblIncmAmt0-431135
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0863401
IRS990/OfficeExpensesGrp/TotalAmt01497671
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt08509325
IRS990/OtherAssetsTotalGrp/EOYAmt08680658
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0677766
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DUES
IRS990/OtherExpensesGrp/Desc3EXAM FEES
IRS990/OtherExpensesGrp/TotalAmt0880051
IRS990/OtherExpensesGrp/TotalAmt1843179
IRS990/OtherExpensesGrp/TotalAmt237204
IRS990/OtherExpensesGrp/TotalAmt315878
IRS990/OtherLiabilitiesGrp/BOYAmt0285283356
IRS990/OtherLiabilitiesGrp/EOYAmt0293475397
IRS990/OtherSalariesAndWagesGrp/TotalAmt04189354
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0285803914
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0290294591
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0351832
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0151231
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0555244
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0522287
IRS990/PrincipalOfficerNm0HENRY T BAUM
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2VISA FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3MISC. OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc4MORTGAGE FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt012075739
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12099346
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2734295
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3370706
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4111404
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012075739
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12128503
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2734295
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3542254
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4111404
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt029157
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1171548
IRS990/ProgSrvcAccomActy2Grp/Desc0MSCU OFFERS MEMBERS OUR VISA CREDIT CARDS AND VISA CHECK CARD (DEBIT CARD). NEW VISA ACCOUNTS ISSUED IN 2019 = 308.
IRS990/ProgSrvcAccomActy3Grp/Desc0MSCU OFFERS MEMBERS OUR VARIOUS CHECKING ACCOUNT PROGRAMS. NEW CHECKING ACCOUNTS OPENED IN 2019 = 503.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01218875
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt06000
IRS990/PYInvestmentIncomeAmt0148181
IRS990/PYOtherExpensesAmt06272870
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt014725597
IRS990/PYRevenuesLessExpensesAmt01401292
IRS990/PYSalariesCompEmpBnftPaidAmt05974741
IRS990/PYTotalExpensesAmt013472486
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt014873778
IRS990/ReconcilationRevenueExpnssAmt01229162
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022520473
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023749635
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02730000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03477000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01820868
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0520115
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02340983
IRS990ScheduleD/EquipmentGrp/BookValueAmt01183905
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04409024
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05592929
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt02405307
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02405307
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01011052
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01091145
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt02102197
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0281331890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt112143507
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES ON DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES AND LOANS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MSCU HAS ESCROW ACCOUNTS FOR MEMBERS WITH FIRST MORTGAGE LOANS. THEIR FUNDS ACCUMULATE MONTHLY AND WHEN DUE, MSCU PAYS THEIR TOWN/CITY PROPERTY TAXES AND INSURANCE ON THEIR BEHALF.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06421132
IRS990ScheduleD/TotalLiabilityAmt0293475397
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt06050
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS FOR COLLEGE
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/NonCashAssistanceAmt00
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt07
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0CHECKS ARE MADE PAYABLE TO THE STUDENT AND COLLEGE THEY ARE ATTENDING.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0199972
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1187168
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2157187
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05272
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt14987
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt24217
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt040772
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt135764
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt233384
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LARRY F HOLDERMAN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1HENRY BAUM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2STEPHEN J OSOWIECKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO EMERITAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0246016
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1227919
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2194788
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/SeverancePaymentInd00

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$355$323$31.5$20.2$18.9$1.27
2023Detailed filing. Detailed filing data is available for this year.$357$327$30.2$18.0$16.6$1.36
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$391$364$26.9$15.9$13.5$2.40
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$354$327$27.1$14.7$12.4$2.24
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$336$311$24.9$15.2$14.0$1.20
2019Detailed filing. Detailed filing data is available for this year.$319$296$23.7$15.8$14.6$1.23
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$310$287$22.5$14.9$13.5$1.40
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$281$260$21.1$13.5$13.2$0.25
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$270$249$20.9$13.0$12.6$0.42
2015Detailed filing. Detailed filing data is available for this year.$256$235$20.5$13.1$11.8$1.27
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$249$230$19.2$12.0$11.6$0.42
2013Detailed filing. Detailed filing data is available for this year.$239$221$18.8$12.0$11.7$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$247$229$18.5$11.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$235$217$18.0$12.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$239$221$17.3$13.8