Liabilities / Assets
73rd percentile
Higher debt load relative to assets than 73% of similar nonprofits.
Montgomery County Credit Union
990 • Fiscal year 2013 • EIN 31-0685324
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
61st percentile
Higher debt load relative to revenue than 61% of similar nonprofits.
Net Margin
1st percentile
Higher net margin than 1% of similar nonprofits.
Top Officer Pay
9th percentile
Higher top officer pay than 9% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
2nd percentile
Faster asset growth than 2% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Down$28,226,830
Down $2,650,930 (-8.6%) from 2012
Net Assets
Down$2,733,289
Down $499,812 (-15%) from 2012
Liabilities
Down$25,493,541
Down $2,151,118 (-7.8%) from 2012
Revenue And Expenses
Revenue
$1,191,058
No earlier filing loaded for comparison.
Expenses
Down$1,690,870
Down $1,110,434 (-40%) from 2012
Net Income
-$499,812
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Nov 12, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $1,191,058
Mission and Program Overview
Mission
Montgomery county credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member owned and controlled through a board of directors elected by membership. Members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Savings and Temporary Cash Investments | $18,419,356 | $17,579,349 | ▼ $840,007 |
| Other Notes and Loans Receivable, Net | $10,862,319 | $8,987,766 | ▼ $1,874,553 |
| Rtn Earn Endowment Incm Other Fnds | $3,233,101 | $2,733,289 | ▼ $499,812 |
| Cash and Non-Interest-Bearing Accounts | $964,096 | $937,487 | ▼ $26,609 |
| Land, Buildings, and Equipment, Net | $79,606 | $57,735 | ▼ $21,871 |
| Prepaid Expenses and Deferred Charges | $24,287 | $14,388 | ▼ $9,899 |
| Total Assets | $30,877,760 | $28,226,830 | ▼ $2,650,930 |
| Other Assets Total | $528,096 | $650,105 | ▲ $122,009 |
| Liabilities | |||
| Other Liabilities | $27,458,309 | $25,207,164 | ▼ $2,251,145 |
| Accounts Payable and Accrued Expenses | $186,350 | $286,377 | ▲ $100,027 |
| Total Liabilities | $27,644,659 | $25,493,541 | ▼ $2,151,118 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,233,101 | $2,733,289 | ▼ $499,812 |
| Total Liabilities and Net Assets / Fund Balance | $30,877,760 | $28,226,830 | ▼ $2,650,930 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $57,735 | $229,544 | $287,279 |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Michael Buchanan | Chairman |
| Juanita Hunn | Director |
| Patsy Bryant | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,007,182
- Investment Income
- $183,573
- Other Revenue
- $303
- Change in Net Assets
- $-499,812
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,061,637 |
| Salaries, Compensation, and Employee Benefits | $578,710 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $442,281 |
| Fees for Services Other | - | - | - | $356,593 |
| Other Employee Benefits | - | - | - | $96,864 |
| Occupancy | - | - | - | $83,815 |
| Fees for Services Accounting | - | - | - | $73,113 |
| Fees for Services Legal | - | - | - | $70,816 |
| Benefits to Members | - | - | - | $50,523 |
| All Other Expenses | - | - | - | $48,064 |
| Advertising | - | - | - | $47,064 |
| Insurance | - | - | - | $45,532 |
| Payroll Taxes | - | - | - | $38,333 |
| Other Expenses | - | - | - | $38,001 |
| Depreciation Depletion | - | - | - | $24,334 |
| Office Expenses | - | - | - | $8,983 |
| Conferences and Meetings | - | - | - | $4,989 |
| Pension Plan Contributions | - | - | - | $1,232 |
| Total Functional Expenses | $0 | $0 | $0 | $1,690,870 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| MEMBERS' SHARE ACCOUNTS | $25,207,164 |
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, Page 6, Part VI, Line 6
“Credit union is open to employees of montgomery county and their family members, employees of good samaritan hospital and affiliates, children's medical center, dayton metro libraries, city of trotwood, harrison township, city of huber heights, as well as many other small municipalities. Montgomery county credit union is owned and operated by people within the same community.”
Form 990, Page 6, Part VI, Line 7A
“Yes, one vote per credit union member.”
Form 990, Page 6, Part VI, Line 7B
“Pursuant to the regulation of the ncua and the ohio division of credit unions.”
Form 990, Page 6, Part VI, Line 11B
“Tax accountant will prepare and review the form 990 based on the financial statements and the information provided by the client. In addition, the credit union's management team will review the return prior to filing.”
Form 990, Page 6, Part VI, Line 12C
“Forms are updated each year for employees and directors and this file is maintained by the organization's president.”
Form 990, Page 6, Part VI, Line 15A
“Compensation is determined by review or performance, comparative market analysis, and vote and approval by the board of directors.”
Form 990, Page 6, Part VI, Line 15B
“SAME AS ABOVE”
Form 990, Page 6, Part VI, Line 19
“Governing documents are made available to the public upon request - this includes policies as well. These are also published in an employee manual. Financial statements are available to members at annual meetings and on the ncua website.”
Filing and Contact Details
Filer
- EIN
- 31-0685324
- Phone
- 9372244050
Signing Officer
- Name
- Aaron Lumpkin
- Title
- CEO
- Phone
- 9372244050
- Signed
- 2014-11-12
Organization Details
- Principal Officer
- Same as Above
- Formed
- 1963
- Legal Domicile
- Oh
- Voting Board Members
- 3
- Independent Board Members
- 3
- Employees
- 15
- Volunteers
- 5
Preparer
- Preparer
- Andrew Mathias
- Phone
- 6148906620
Supplemental Narrative
Additional Explanations
FORM 990 - ORGANIZATION'S MISSION
“Montgomery county credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. It is member owned and controlled through a board of directors elected by membership. Members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit.”
Form 990, Part IX, Line 11G
“Data processing 356,593 0 0”
Raw XML Appendix305 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.
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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 186350 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 286377 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | MONTGOMERY COUNTY CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS. IT IS MEMBER OWNED AND CONTROLLED THROUGH A BOARD OF DIRECTORS ELECTED BY MEMBERSHIP. MEMBERS ARE PROVIDED WITH A SAFE, CONVENIENT PLACE TO SAVE AND BORROW AT REASONABLE RATES AT AN INSTITUTION WHICH EXISTS TO BENEFIT THEM, NOT TO MAKE A PROFIT. |
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| IRS990/BooksInCareOfDetail/USAddress/City | 0 | DAYTON |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | OH |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 937487 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
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| IRS990/CreditCounselingInd | 0 | false |
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| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 183573 |
| IRS990/CYOtherExpensesAmt | 0 | 1061637 |
| IRS990/CYOtherRevenueAmt | 0 | 303 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1007182 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -499812 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 578710 |
| IRS990/CYTotalExpensesAmt | 0 | 1690870 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1191058 |
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| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 24334 |
| IRS990/Desc | 0 | LENDING TO CREDIT UNION MEMBERS. WE PROVIDED CREDIT CARD AND LINE OF CREDIT LOANS, VEHICLE LOANS, MORTGAGE LOANS, AND OTHER LOANS TO MEMBERS IN 2013. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 15 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 73113 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 70816 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 356593 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | MICHAEL BUCHANAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | PATSY BRYANT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | JUANITA HUNN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1963 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 3 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 1191058 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 45532 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 183573 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 183573 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 402 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 229544 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 79606 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 57735 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 287279 |
| IRS990/LegalDomicileStateCd | 0 | OH |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | MONTGOMERY COUNTY CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS. IT IS MEMBER OWNED AND CONTROLLED THROUGH A BOARD OF DIRECTORS ELECTED BY MEMBERSHIP. MEMBERS ARE PROVIDED WITH A SAFE, CONVENIENT PLACE TO SAVE AND BORROW AT REASONABLE RATES AT AN INSTITUTION WHICH EXISTS TO BENEFIT THEM, NOT TO MAKE A PROFIT. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3233101 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2733289 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -771 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 83815 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 8983 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 528096 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 650105 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 96864 |
| IRS990/OtherExpensesGrp/Desc | 0 | MISCELLANEOUS/OTHER |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | CREDIT CARD EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | SUPPLIES |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 82633 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 57286 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 38001 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 27458309 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 25207164 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | REIMBURSED EXPENSES |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 303 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 303 |
| IRS990/OtherRevenueTotalAmt | 0 | 303 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 442281 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 10862319 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 8987766 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 38333 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1232 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 24287 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 14388 |
| IRS990/PrincipalOfficerNm | 0 | SAME AS ABOVE |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 524298 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES, CHARGES & OTHER |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | INSURANCE SALES INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | NON MEMBER ATM FEE |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 749527 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 239127 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 17495 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 749527 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 239127 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 17495 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 1033 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1033 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDING FINANCIAL SERVICES TO CREDIT UNION MEMBERS. WE PROVIDED CHECKING ACCOUNTS, SAVINGS ACCOUNTS, MONEY MARKET ACCOUNTS, CERTIFICATES OF DEPOSITS, RETIREMENT ACCOUNTS, AND OTHER ACCOUNTS IN 2013. IN ADDITION , OUR CREDIT UNION PROVIDED ATM SERVICES, WIRE TRANSFER SERVICES AND INSURANCE RELATED PRODUCTS TO MANY OF OUR CREDIT UNION MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 66673 |
| IRS990/PYInvestmentIncomeAmt | 0 | 188837 |
| IRS990/PYOtherExpensesAmt | 0 | 1755232 |
| IRS990/PYOtherRevenueAmt | 0 | 1299 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1300278 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -1310890 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 979399 |
| IRS990/PYTotalExpensesAmt | 0 | 2801304 |
| IRS990/PYTotalRevenueAmt | 0 | 1490414 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -499812 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 3233101 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2733289 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 18419356 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 17579349 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 57735 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 229544 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 287279 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 25207164 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBERS' SHARE ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 57735 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 25207164 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MONTGOMERY COUNTY CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS. IT IS MEMBER OWNED AND CONTROLLED THROUGH A BOARD OF DIRECTORS ELECTED BY MEMBERSHIP. MEMBERS ARE PROVIDED WITH A SAFE, CONVENIENT PLACE TO SAVE AND BORROW AT REASONABLE RATES AT AN INSTITUTION WHICH EXISTS TO BENEFIT THEM, NOT TO MAKE A PROFIT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | CREDIT UNION IS OPEN TO EMPLOYEES OF MONTGOMERY COUNTY AND THEIR FAMILY MEMBERS, EMPLOYEES OF GOOD SAMARITAN HOSPITAL AND AFFILIATES, CHILDREN'S MEDICAL CENTER, DAYTON METRO LIBRARIES, CITY OF TROTWOOD, HARRISON TOWNSHIP, CITY OF HUBER HEIGHTS, AS WELL AS MANY OTHER SMALL MUNICIPALITIES. MONTGOMERY COUNTY CREDIT UNION IS OWNED AND OPERATED BY PEOPLE WITHIN THE SAME COMMUNITY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | YES, ONE VOTE PER CREDIT UNION MEMBER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | PURSUANT TO THE REGULATION OF THE NCUA AND THE OHIO DIVISION OF CREDIT UNIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | TAX ACCOUNTANT WILL PREPARE AND REVIEW THE FORM 990 BASED ON THE FINANCIAL STATEMENTS AND THE INFORMATION PROVIDED BY THE CLIENT. IN ADDITION, THE CREDIT UNION'S MANAGEMENT TEAM WILL REVIEW THE RETURN PRIOR TO FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | FORMS ARE UPDATED EACH YEAR FOR EMPLOYEES AND DIRECTORS AND THIS FILE IS MAINTAINED BY THE ORGANIZATION'S PRESIDENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | COMPENSATION IS DETERMINED BY REVIEW OR PERFORMANCE, COMPARATIVE MARKET ANALYSIS, AND VOTE AND APPROVAL BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | SAME AS ABOVE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | GOVERNING DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST - THIS INCLUDES POLICIES AS WELL. THESE ARE ALSO PUBLISHED IN AN EMPLOYEE MANUAL. FINANCIAL STATEMENTS ARE AVAILABLE TO MEMBERS AT ANNUAL MEETINGS AND ON THE NCUA WEBSITE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | DATA PROCESSING 356,593 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART IX, LINE 11G |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 30877760 |
| IRS990/TotalAssetsEOYAmt | 0 | 28226830 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 30877760 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 28226830 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 15 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1690870 |
| IRS990/TotalGrossUBIAmt | 0 | 1033 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 27644659 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 25493541 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 27644659 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 25493541 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3233101 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2733289 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1007182 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1190025 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1191058 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1033 |
| IRS990/TotalVolunteersCnt | 0 | 5 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 30877760 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 28226830 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 3 |
| IRS990/VotingMembersIndependentCnt | 0 | 3 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MCCUINC.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | AARON LUMPKIN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9372244050 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-11-12 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | MONTGOMERY COUNTY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MONT |
| ReturnHeader/Filer/EIN | 0 | 310685324 |
| ReturnHeader/Filer/PhoneNum | 0 | 9372244050 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 409 EAST MONUMENT AVE |
| ReturnHeader/Filer/USAddress/AddressLine2 | 0 | ROOM/SUITE STE105 |
| ReturnHeader/Filer/USAddress/City | 0 | DAYTON |
| ReturnHeader/Filer/USAddress/State | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 45402 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 273731447 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | WESTON & COMPANY CPAS LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 371 COUNTY LINE RD W STE 100B |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | WESTERVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 43082 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6148906620 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-11-12 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ANDREW MATHIAS |
| ReturnHeader/ReturnTs | 0 | 2014-11-17T17:21:39-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $28,226,830
- Liabilities
- $25,493,541
- Net assets
- $2,733,289
- Revenue
- $1,191,058
- Expenses
- $1,690,870
- Net income
- -$499,812