Liabilities / Assets
77th percentile
Higher debt load relative to assets than 77% of similar nonprofits.
Montgomery County Credit Union
EIN 31-0685324 • 501(c)14 • Dayton, OH
Profile
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.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.91x
Liabilities / Revenue
83rd percentile
Higher debt load relative to revenue than 83% of similar nonprofits.
Net Margin
4th percentile
Higher net margin than 4% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
29th percentile
Faster asset growth than 29% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Balance Sheet
Assets
Down$26,502,980
Down $806,616 (-3.0%) from 2014
Liabilities
Down$24,600,424
Down $244,717 (-1.0%) from 2014
Net Assets
Down$1,902,556
Down $561,899 (-23%) from 2014
Revenue
Down$903,539
Down $73,560 (-7.5%) from 2014
Expenses
Up$1,442,872
Up $85,088 (+6.3%) from 2014
Net Income
Down-$539,333
Down $158,648 (-42%) from 2014
Trend Graphs
Filings
Most recent year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $26,502,980
- Liabilities
- $24,600,424
- Net assets
- $1,902,556
- Revenue
- $903,539
- Expenses
- $1,442,872
- Net income
- -$539,333
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 25, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $903,539
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 | $15,570,132 | $12,572,259 | ▼ $2,997,873 |
| Other Notes and Loans Receivable, Net | $9,256,685 | $8,204,218 | ▼ $1,052,467 |
| Cash and Non-Interest-Bearing Accounts | $2,073,592 | $5,323,284 | ▲ $3,249,692 |
| Rtn Earn Endowment Incm Other Fnds | $2,464,455 | $1,902,556 | ▼ $561,899 |
| Land, Buildings, and Equipment, Net | $53,776 | $40,818 | ▼ $12,958 |
| Prepaid Expenses and Deferred Charges | $2,198 | $629 | ▼ $1,569 |
| Total Assets | $27,309,596 | $26,502,980 | ▼ $806,616 |
| Other Assets Total | $353,213 | $361,772 | ▲ $8,559 |
| Liabilities | |||
| Other Liabilities | $24,732,080 | $24,316,450 | ▼ $415,630 |
| Accounts Payable and Accrued Expenses | $113,061 | $283,974 | ▲ $170,913 |
| Total Liabilities | $24,845,141 | $24,600,424 | ▼ $244,717 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,464,455 | $1,902,556 | ▼ $561,899 |
| Total Liabilities and Net Assets / Fund Balance | $27,309,596 | $26,502,980 | ▼ $806,616 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $40,818 | $69,551 | $110,369 |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Christine Leslie | President/ce |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $752,841
- Investment Income
- $150,698
- Other Revenue
- $0
- Change in Net Assets
- $-539,333
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $905,381 |
| Salaries, Compensation, and Employee Benefits | $490,338 |
| 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 | - | - | - | $389,669 |
| Fees for Services Other | - | - | - | $288,303 |
| Office Expenses | - | - | - | $140,873 |
| Occupancy | - | - | - | $100,304 |
| Other Employee Benefits | - | - | - | $67,060 |
| Fees for Services Accounting | - | - | - | $48,305 |
| Benefits to Members | - | - | - | $47,153 |
| Depreciation Depletion | - | - | - | $34,231 |
| Payroll Taxes | - | - | - | $31,269 |
| Advertising | - | - | - | $25,011 |
| Fees for Services Legal | - | - | - | $18,591 |
| Other Expenses | - | - | - | $5,481 |
| All Other Expenses | - | - | - | $2,658 |
| Pension Plan Contributions | - | - | - | $2,340 |
| Total Functional Expenses | $0 | $0 | $0 | $1,442,872 |
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 | $24,316,450 |
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
- Filer Name
- Montgomery County Credit Union
- EIN
- 31-0685324
- Phone
- 9372244050
- Address
- 409 EAST MONUMENT AVE STE 105, DAYTON, OH 45402
Signing Officer
- Name
- Christine Leslie
- Title
- President/CEO
- Phone
- 9372244050
- Signed
- 2016-05-25
Organization Details
- Principal Officer
- Christine Leslie
- Formed
- 1963
- Legal Domicile
- Oh
- Voting Board Members
- 0
- Independent Board Members
- 0
- Employees
- 8
- Volunteers
- 5
Preparer
- Firm
- Weston & Company Cpas LLC
- Address
- 371 COUNTY LINE RD W STE 100B, WESTERVILLE, OH 43082
- Preparer
- Andrew Mathias CPA
- 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 288,303 0 0”
Form 990, Part XI, Line 9
“Unrealized gains/losses -22,566 total -22,566”
Raw XML Appendix288 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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| IRS990/ForeignFinancialAccountInd | 0 | false |
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| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1963 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
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| IRS990/GrantsToOrganizationsInd | 0 | false |
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| IRS990/IndoorTanningServicesInd | 0 | false |
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| 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. |
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| IRS990/OtherExpensesGrp/Desc | 1 | MISC OPERATING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
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| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES, CHARGES & OTHER |
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| 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 2015. IN ADDITION , OUR CREDIT UNION PROVIDED ATM SERVICES, WIRE TRANSFER SERVICES AND INSURANCE RELATED PRODUCTS TO MANY OF OUR CREDIT UNION MEMBERS. |
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| 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 288,303 0 0 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | UNREALIZED GAINS/LOSSES -22,566 TOTAL -22,566 |
| 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 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART XI, LINE 9 |
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| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
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| IRS990/TotalAssetsEOYAmt | 0 | 26502980 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 27309596 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 26502980 |
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| IRS990/TotalEmployeeCnt | 0 | 8 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1442872 |
| IRS990/TotalGrossUBIAmt | 0 | 539 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 24845141 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 24600424 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 24845141 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 24600424 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2464455 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1902556 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 752841 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 903000 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 903539 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 539 |
| IRS990/TotalVolunteersCnt | 0 | 5 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 27309596 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 26502980 |
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| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 409 EAST MONUMENT AVE STE 105 |
| IRS990/USAddress/CityNm | 0 | DAYTON |
| IRS990/USAddress/StateAbbreviationCd | 0 | OH |
| IRS990/USAddress/ZIPCd | 0 | 45402 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 0 |
| IRS990/VotingMembersIndependentCnt | 0 | 0 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MCCUINC.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | CHRISTINE LESLIE |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 9372244050 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-05-25 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MONTGOMERY COUNTY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MONT |
| ReturnHeader/Filer/EIN | 0 | 310685324 |
| ReturnHeader/Filer/PhoneNum | 0 | 9372244050 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 409 EAST MONUMENT AVE STE 105 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | DAYTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 45402 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 273731447 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | WESTON & COMPANY CPAS LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 371 COUNTY LINE RD W STE 100B |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WESTERVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | OH |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 43082 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6148906620 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2016-05-25 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ANDREW MATHIAS CPA |
| ReturnHeader/ReturnTs | 0 | 2016-06-15T10:32:30-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2015-12-31 |
| ReturnHeader/TaxYr | 0 | 2015 |
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