Civic Intelligence

Metropolitan District Employees Credit

990 • Fiscal year 2018 • EIN 06-0709551

Jan 01, 2018 to Dec 31, 2018 • Filed on May 10, 2019

Organization ProfileWWW.MDECU.ORG

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

43rd percentile

0.85x

Higher debt load relative to assets than 43% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

71st percentile

22.22x

Higher debt load relative to revenue than 71% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

25th percentile

3.2%

Higher net margin than 25% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

92nd percentile

$121,129

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 13.2% of source-year revenue.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

36th percentile

-1.6%

Faster asset growth than 36% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

27th percentile

5.1%

Faster revenue growth than 27% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Down

$23,908,359

Down $396,610 (-1.6%) from 2017

Net Assets

Up

$3,537,673

Up $29,612 (+0.8%) from 2017

Liabilities

Down

$20,370,686

Down $426,222 (-2.0%) from 2017

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin25th percentile

Revenue

Up

$916,745

Up $44,453 (+5.1%) from 2017

Expenses

Up

$887,133

Up $51,789 (+6.2%) from 2017

Net Income

Down

$29,612

Down $7,336 (-20%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth36th 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

2018

Assets$23,908,359
Liabilities$20,370,686
Net Assets$3,537,673
Open 2018 Filing

Operations Trend

Revenue Growth27th 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

2018

Revenue$916,745
Expenses$887,133
Net Income$29,612
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 10, 2019
Return Version
2018v3.1
Gross Receipts
$916,745
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$14,586,172$15,147,366▲ $561,194
Investments Other Securities$7,443,598$6,319,373▼ $1,124,225
Rtn Earn Endowment Incm Other Fnds$3,508,061$3,537,673▲ $29,612
Land, Buildings, and Equipment, Net$953,869$1,132,798▲ $178,929
Savings and Temporary Cash Investments$148,352$170,613▲ $22,261
Intangible Assets$107,283$76,069▼ $31,214
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,304,969$23,908,359▼ $396,610
Other Assets Total$1,065,695$1,062,140▼ $3,555
Liabilities
Other Liabilities$20,760,775$20,297,179▼ $463,596
Accounts Payable and Accrued Expenses$36,133$73,507▲ $37,374
Total Liabilities$20,796,908$20,370,686▼ $426,222
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,508,061$3,537,673▲ $29,612
Total Liabilities and Net Assets / Fund Balance$24,304,969$23,908,359▼ $396,610

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$851,498$87,949$939,447
Land$178,500-$178,500
Equipment$102,800$47,333$150,133
Other Securities$6,319,373--
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen VietsCEO / TreasurerFT$116,073$5,056$121,129

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
$780,290
Investment Income
$136,455
Other Revenue
$0
Change in Net Assets
$29,612
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$549,490
Salaries, Compensation, and Employee Benefits$337,643
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$187,418
Comp Disqual Persons---$157,102
Current Officers, Directors, Trustees, and Key Employees---$116,073
Interest---$96,063
Other Employee Benefits---$43,570
Depreciation Depletion---$20,931
Payroll Taxes---$20,898
Advertising---$17,284
Travel---$15,741
Payments to Affiliates---$13,212
Fees for Services Other---$12,885
Other Expenses---$12,464
Occupancy---$8,900
Fees for Services Accounting---$7,200
Fees for Services Legal---$4,300
All Other Expenses---$2,256
Total Functional Expenses$0$0$0$887,133
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
Member Shares$20,297,179
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 board of directors before filing.”

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

“Policy compliance is governed by the 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

Signing Officer

Name
Karen Viets
Title
Chief Executive Officer
Phone
8605609036
Signed
2019-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen Viets
Formed
1955
Legal Domicile
Ct
Voting Board Members
7
Independent Board Members
6
Employees
5
Volunteers
11

Preparer

Firm
Whittlesey Pc
Address
280 TRUMBULL ST 24TH FL, HARTFORD, CT 06103
Preparer
Kimberly Napp
Phone
8605223111
Raw XML Appendix351 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/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
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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 BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4POLICY COMPLIANCE IS GOVERNED BY THE 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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt024304969
IRS990/TotalAssetsEOYAmt023908359
IRS990/TotalAssetsGrp/BOYAmt024304969
IRS990/TotalAssetsGrp/EOYAmt023908359
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0887133
IRS990/TotalGrossUBIAmt02966
IRS990/TotalLiabilitiesBOYAmt020796908
IRS990/TotalLiabilitiesEOYAmt020370686
IRS990/TotalLiabilitiesGrp/BOYAmt020796908
IRS990/TotalLiabilitiesGrp/EOYAmt020370686
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03508061
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03537673
IRS990/TotalOtherCompensationAmt05056
IRS990/TotalProgramServiceRevenueAmt0780290
IRS990/TotalReportableCompFromOrgAmt0116073
IRS990/TotalRevenueGrp/ExclusionAmt0913779
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0916745
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02966
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024304969
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023908359
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt015741
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1348
IRS990/USAddress/CityNm0HARTFORD
IRS990/USAddress/StateAbbreviationCd0CT
IRS990/USAddress/ZIPCd006143
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MDECU.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAREN VIETS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum08605609036
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-10
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/AtSubmissionCreationDeviceId061F6363260BD2423FE721F40CD736622304B0B16
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId07D675871B76272FC49D3D35D9052D04A56F72B31
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0198.0.144.57
ReturnHeader/FilingSecurityInformation/IPDt02019-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm007:12:20
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0060903326
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WHITTLESEY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0280 TRUMBULL ST 24TH FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HARTFORD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006103
ReturnHeader/PreparerPersonGrp/PhoneNum08605223111
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KIMBERLY NAPP
ReturnHeader/ReturnTs02019-05-14T09:15:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,908,359
Liabilities
$20,370,686
Net assets
$3,537,673
Revenue
$916,745
Expenses
$887,133
Net income
$29,612
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
2018Detailed filing. Detailed filing data is available for this year.$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