Civic Intelligence

Metropolitan District Employees Credit

990 • Fiscal year 2016 • EIN 06-0709551

Jan 01, 2016 to Dec 31, 2016 • Filed on May 01, 2017

Organization ProfileN/A

View Organization Page

PO Box 1348Hartford, CT 06143

(860) 560-9036

Siviq Scores

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

Liabilities / Assets

45th percentile

0.86x

Higher debt load relative to assets than 45% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

75th percentile

26.04x

Higher debt load relative to revenue than 75% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

45th percentile

5.0%

Higher net margin than 45% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

93rd percentile

$114,105

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 14.0% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

38th percentile

0.5%

Faster asset growth than 38% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

72nd percentile

6.2%

Faster revenue growth than 72% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$24,652,934

Up $134,660 (+0.5%) from 2015

Net Assets

Up

$3,471,113

Up $40,625 (+1.2%) from 2015

Liabilities

Up

$21,181,821

Up $94,035 (+0.4%) from 2015

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin45th percentile

Revenue

Up

$813,503

Up $47,574 (+6.2%) from 2015

Expenses

Up

$772,878

Up $81,063 (+12%) from 2015

Net Income

Down

$40,625

Down $33,489 (-45%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth38th percentile

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

$40M$30M$20M$10M$0Assets 2010: $23,246,984Liabilities 2010: $1,116Net Assets 2010: $23,245,8682010Assets 2011: $23,785,166Liabilities 2011: $20,618,953Net Assets 2011: $3,166,2132011Assets 2012: $23,685,647Liabilities 2012: $20,473,309Net Assets 2012: $3,212,3382012Assets 2013: $23,449,099Liabilities 2013: $20,133,780Net Assets 2013: $3,315,3192013Assets 2014: $23,250,762Liabilities 2014: $19,871,388Net Assets 2014: $3,379,3742014Assets 2015: $24,518,274Liabilities 2015: $21,087,786Net Assets 2015: $3,430,4882015Assets 2016: $24,652,934Liabilities 2016: $21,181,821Net Assets 2016: $3,471,1132016Assets 2017: $24,304,969Liabilities 2017: $20,796,908Net Assets 2017: $3,508,0612017Assets 2018: $23,908,359Liabilities 2018: $20,370,686Net Assets 2018: $3,537,6732018Assets 2019: $24,818,274Liabilities 2019: $21,266,037Net Assets 2019: $3,552,2372019Assets 2020: $27,191,066Liabilities 2020: $23,660,704Net Assets 2020: $3,530,3622020Assets 2021: $28,442,227Liabilities 2021: $24,888,072Net Assets 2021: $3,554,1552021Assets 2022: $30,928,206Liabilities 2022: $27,318,277Net Assets 2022: $3,609,9292022Assets 2023: $32,131,533Liabilities 2023: $28,637,655Net Assets 2023: $3,493,8782023Assets 2024: $32,381,111Liabilities 2024: $28,819,025Net Assets 2024: $3,562,0862024

Highlighted filing

2016

Assets$24,652,934
Liabilities$21,181,821
Net Assets$3,471,113
Open 2016 Filing

Operations Trend

Revenue Growth72nd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $656,6872010Expenses 2011: $730,6402011Expenses 2012: $662,2232012Revenue 2013: $692,303Expenses 2013: $589,322Net Income 2013: $102,9812013Revenue 2014: $714,683Expenses 2014: $650,628Net Income 2014: $64,0552014Revenue 2015: $765,929Expenses 2015: $691,815Net Income 2015: $74,1142015Revenue 2016: $813,503Expenses 2016: $772,878Net Income 2016: $40,6252016Revenue 2017: $872,292Expenses 2017: $835,344Net Income 2017: $36,9482017Revenue 2018: $916,745Expenses 2018: $887,133Net Income 2018: $29,6122018Revenue 2019: $944,864Expenses 2019: $930,300Net Income 2019: $14,5642019Revenue 2020: $896,909Expenses 2020: $918,784Net Income 2020: -$21,8752020Revenue 2021: $864,350Expenses 2021: $840,557Net Income 2021: $23,7932021Revenue 2022: $943,824Expenses 2022: $888,050Net Income 2022: $55,7742022Revenue 2023: $1,144,783Expenses 2023: $1,100,834Net Income 2023: $43,9492023Revenue 2024: $1,422,047Expenses 2024: $1,353,839Net Income 2024: $68,2082024

Highlighted filing

2016

Revenue$813,503
Expenses$772,878
Net Income$40,625
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 1, 2017
Return Version
2016v3.0
Gross Receipts
$813,503
Mission and Program Overview

Mission

We provide financial services for our members.

Provides financial services to member owners

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,233,832$14,139,689▲ $905,857
Investments Program Related$10,251,345$8,723,612▼ $1,527,733
Rtn Earn Endowment Incm Other Fnds$3,430,488$3,471,113▲ $40,625
Land, Buildings, and Equipment, Net$465,787$478,706▲ $12,919
Savings and Temporary Cash Investments$285,340$164,013▼ $121,327
Intangible Assets$87,626$82,963▼ $4,663
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,518,274$24,652,934▲ $134,660
Other Assets Total$194,344$1,063,951▲ $869,607
Liabilities
Other Liabilities$21,066,888$21,135,352▲ $68,464
Accounts Payable and Accrued Expenses$20,898$46,469▲ $25,571
Total Liabilities$21,087,786$21,181,821▲ $94,035
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,430,488$3,471,113▲ $40,625
Total Liabilities and Net Assets / Fund Balance$24,518,274$24,652,934▲ $134,660

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$206,251$45,116$251,367
Land$178,500-$178,500
Other Land Buildings$93,955$42,033$135,988
Investment Program Related Org$8,723,612--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen VietsCEO / TreasurerFT$105,701$8,404$114,105

Board Members and Trustees

NameTitle
Robert Facey JrChairperson
Trevor ParrisVice Chairperson
Douglas Woods SrBoard Member
James DayBoard Member
Sebastian FraelloBoard Member
James MasseSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$686,269
Investment Income
$127,234
Other Revenue
$0
Change in Net Assets
$40,625
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$458,050
Salaries, Compensation, and Employee Benefits$314,828
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$160,358--$160,358
Comp Disqual Persons$158,143--$158,143
Current Officers, Directors, Trustees, and Key Employees$105,701--$105,701
Fees for Services Legal$87,747--$87,747
Other Employee Benefits$30,800--$30,800
Payroll Taxes$20,184--$20,184
Advertising$12,822--$12,822
Payments to Affiliates$12,694--$12,694
Fees for Services Other$9,360--$9,360
Travel$9,228--$9,228
Occupancy$8,640--$8,640
Other Expenses$2,255--$2,255
Total Functional Expenses$772,878$0$0$772,878
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
Total Shares$21,135,352
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
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 has members who are part owners of the institution.”

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

“Members elect directors at the annual meeting and the directors serve a term of two years.”

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

“Most decisions are subject to approval of board members if they disagree with board decisions.”

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

“The tax return is reviewed by the ceo and accountants.”

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

“Policy compliance is governed by a supervisory committee.”

Form 990, Part VI, Section B, Line 15

“Salary surveys are done to determine wages of officers and other key employees”

Form 990, Part VI, Section C, Line 19

“All information is available upon request.”

Filing and Contact Details

Filer

Filer Name
METROPOLITAN DISTRICT EMPLOYEES'
EIN
06-0709551
Phone
8605609036
Address
PO BOX 1348, HARTFORD, CT 06143
Doing Business As
METROPOLITAN DISTRICT EMPLOYEES' CREDIT UNION

Signing Officer

Name
Karen Viets
Title
CEO
Phone
8605609036
Signed
2017-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen Viets
Formed
1955
Legal Domicile
Ct
Voting Board Members
1,806
Independent Board Members
1,806
Employees
5
Volunteers
11

Preparer

Firm
Whittlesey & Hadley Pc
Address
ONE HAMDEN CTR 2319 WHITNEY AVE STE, 2A, HAMDEN, CT 06518
Preparer
Kevin La Chapelle
Phone
2033972525
Raw XML Appendix367 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATE OF DEPOSIT
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IRS990ScheduleD/LandGrp/BookValueAmt0178500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0178500
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt093955
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt042033
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0135988
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt021135352
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0478706
IRS990ScheduleD/TotalBookValueProgramRltdAmt08723612
IRS990ScheduleD/TotalLiabilityAmt021135352
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS WHO ARE PART OWNERS OF THE INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT DIRECTORS AT THE ANNUAL MEETING AND THE DIRECTORS SERVE A TERM OF TWO YEARS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MOST DECISIONS ARE SUBJECT TO APPROVAL OF BOARD MEMBERS IF THEY DISAGREE WITH BOARD DECISIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TAX RETURN IS REVIEWED BY THE CEO AND ACCOUNTANTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICY COMPLIANCE IS GOVERNED BY A SUPERVISORY COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5SALARY SURVEYS ARE DONE TO DETERMINE WAGES OF OFFICERS AND OTHER KEY EMPLOYEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL INFORMATION IS AVAILABLE UPON REQUEST.
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 B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CT
IRS990/SubjectToProxyTaxInd00
IRS990/TaxableDistributionsInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt024518274
IRS990/TotalAssetsEOYAmt024652934
IRS990/TotalAssetsGrp/BOYAmt024518274
IRS990/TotalAssetsGrp/EOYAmt024652934
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0772878
IRS990/TotalFunctionalExpensesGrp/TotalAmt0772878
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt021087786
IRS990/TotalLiabilitiesEOYAmt021181821
IRS990/TotalLiabilitiesGrp/BOYAmt021087786
IRS990/TotalLiabilitiesGrp/EOYAmt021181821
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03430488
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03471113
IRS990/TotalOtherCompensationAmt08404
IRS990/TotalProgramServiceExpensesAmt0772878
IRS990/TotalProgramServiceRevenueAmt0686269
IRS990/TotalReportableCompFromOrgAmt0105701
IRS990/TotalRevenueGrp/ExclusionAmt0813503
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0813503
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024518274
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024652934
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt09228
IRS990/TravelGrp/TotalAmt09228
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1348
IRS990/USAddress/CityNm0HARTFORD
IRS990/USAddress/StateAbbreviationCd0CT
IRS990/USAddress/ZIPCd006143
IRS990/VotingMembersGoverningBodyCnt01806
IRS990/VotingMembersIndependentCnt01806
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAREN VIETS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08605609036
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0METROPOLITAN DISTRICT EMPLOYEES'
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0METR
ReturnHeader/Filer/EIN0060709551
ReturnHeader/Filer/PhoneNum08605609036
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1348
ReturnHeader/Filer/USAddress/CityNm0HARTFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006143
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId047A19E77F9461A9F6D5F5CF42B2DC29953594F13
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0C5127BA74805A20464441B3097D8E63DF96999FF
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0173.9.102.153
ReturnHeader/FilingSecurityInformation/IPDt02017-05-01
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm013:55:18
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0060903326
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITTLESEY & HADLEY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0ONE HAMDEN CTR 2319 WHITNEY AVE STE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine2Txt02A
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006518
ReturnHeader/PreparerPersonGrp/PhoneNum02033972525
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEVIN LA CHAPELLE
ReturnHeader/ReturnTs02017-05-11T13:49:13-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,652,934
Liabilities
$21,181,821
Net assets
$3,471,113
Revenue
$813,503
Expenses
$772,878
Net income
$40,625
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.4$28.8$3.56$1.42$1.35$0.07
2023Detailed filing. Detailed filing data is available for this year.$32.1$28.6$3.49$1.14$1.10$0.04
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.9$27.3$3.61$0.94$0.89$0.06
2021Detailed filing. Detailed filing data is available for this year.$28.4$24.9$3.55$0.86$0.84$0.02
2020Detailed filing. Detailed filing data is available for this year.$27.2$23.7$3.53$0.90$0.92$0.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$21.3$3.55$0.94$0.93$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.9$20.4$3.54$0.92$0.89$0.03
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.3$20.8$3.51$0.87$0.84$0.04
2016Detailed filing. Detailed filing data is available for this year.$24.7$21.2$3.47$0.81$0.77$0.04
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.5$21.1$3.43$0.77$0.69$0.07
2014Detailed filing. Detailed filing data is available for this year.$23.3$19.9$3.38$0.71$0.65$0.06
2013Detailed filing. Detailed filing data is available for this year.$23.4$20.1$3.32$0.69$0.59$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.7$20.5$3.21$0.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.8$20.6$3.17$0.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.2$0.00$23.2$0.66