Civic Intelligence

Morton Salt Credit Union

990 • Fiscal year 2016 • EIN 34-0764353

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 07, 2017

Organization ProfileN/A
PO Box 36Rittman, OH 44270

(330) 927-1025

Siviq Scores

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

Liabilities / Assets

47th percentile

0.82x

Higher debt load relative to assets than 47% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

69th percentile

22.34x

Higher debt load relative to revenue than 69% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

19th percentile

-14%

Higher net margin than 19% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

69th percentile

$42,350

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 27.3% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

54th percentile

0.3%

Faster asset growth than 54% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

66th percentile

1.6%

Faster revenue growth than 66% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$4,229,417

Up $10,598 (+0.3%) from 2015

Net Assets

Down

$769,041

Down $22,261 (-2.8%) from 2015

Liabilities

Up

$3,460,376

Up $32,859 (+1.0%) from 2015

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin19th percentile

Revenue

Up

$154,881

Up $2,432 (+1.6%) from 2015

Expenses

Down

$177,012

Down $2,672 (-1.5%) from 2015

Net Income

Up

-$22,131

Up $5,104 (+19%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,209,068Liabilities 2010: $3,309,715Net Assets 2010: $899,3532010Assets 2011: $4,565,710Liabilities 2011: $3,685,354Net Assets 2011: $880,3562011Assets 2012: $4,531,374Liabilities 2012: $3,658,683Net Assets 2012: $872,6912012Assets 2013: $4,504,135Liabilities 2013: $3,650,120Net Assets 2013: $854,0152013Assets 2014: $4,193,701Liabilities 2014: $3,375,249Net Assets 2014: $818,4522014Assets 2015: $4,218,819Liabilities 2015: $3,427,517Net Assets 2015: $791,3022015Assets 2016: $4,229,417Liabilities 2016: $3,460,376Net Assets 2016: $769,0412016Assets 2017: $4,304,327Liabilities 2017: $3,535,960Net Assets 2017: $768,3672017Assets 2018: $4,104,759Liabilities 2018: $3,345,072Net Assets 2018: $759,6872018Assets 2019: $4,070,088Liabilities 2019: $3,325,940Net Assets 2019: $744,1482019Assets 2020: $4,165,327Liabilities 2020: $3,445,039Net Assets 2020: $720,2882020

Highlighted filing

2016

Assets$4,229,417
Liabilities$3,460,376
Net Assets$769,041
Open 2016 Filing

Operations Trend

Revenue Growth66th percentile

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

$200K$100K$0-$100KExpenses 2010: $191,1912010Expenses 2011: $187,2462011Expenses 2012: $173,5772012Revenue 2013: $152,622Expenses 2013: $171,298Net Income 2013: -$18,6762013Revenue 2014: $148,268Expenses 2014: $183,831Net Income 2014: -$35,5632014Revenue 2015: $152,449Expenses 2015: $179,684Net Income 2015: -$27,2352015Revenue 2016: $154,881Expenses 2016: $177,012Net Income 2016: -$22,1312016Revenue 2017: $150,043Expenses 2017: $142,276Net Income 2017: $7,7672017Revenue 2018: $159,403Expenses 2018: $168,084Net Income 2018: -$8,6812018Revenue 2019: $161,260Expenses 2019: $176,798Net Income 2019: -$15,5382019Revenue 2020: $37,111Expenses 2020: $60,971Net Income 2020: -$23,8602020

Highlighted filing

2016

Revenue$154,881
Expenses$177,012
Net Income-$22,131
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 7, 2017
Return Version
2016v3.0
Gross Receipts
$154,881
Mission and Program Overview

Mission

The credit union provides financial services to qualifed members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,826,630$2,061,072▲ $234,442
Investments Other Securities$1,882,178$1,681,231▼ $200,947
Rtn Earn Endowment Incm Other Fnds$791,302$769,041▼ $22,261
Savings and Temporary Cash Investments$377,636$320,960▼ $56,676
Cash and Non-Interest-Bearing Accounts$68,370$93,844▲ $25,474
Investments Program Related$37,005$37,005→ $0
Land, Buildings, and Equipment, Net$20,342$14,222▼ $6,120
Prepaid Expenses and Deferred Charges$2,444$2,261▼ $183
Total Assets$4,218,819$4,229,417▲ $10,598
Other Assets Total$4,214$18,822▲ $14,608
Liabilities
Other Liabilities$3,423,147$3,455,823▲ $32,676
Accounts Payable and Accrued Expenses$4,370$4,553▲ $183
Total Liabilities$3,427,517$3,460,376▲ $32,859
Net Assets / Fund Balance
Total Net Assets Fund Balance$791,302$769,041▼ $22,261
Total Liabilities and Net Assets / Fund Balance$4,218,819$4,229,417▲ $10,598

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,653$85,939$91,592
Leasehold Improvements$8,569$42,659$51,228
Other Securities$1,681,231--
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Pamela BlubaughCEOFT$42,350$42,350

Board Members and Trustees

NameTitle
Larry CraigPresident
Steve TelfordVice-president
Jerry BechtolDirector
Gwen CraigSecretary
Robert HeraldTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$132,107
Investment Income
$22,774
Other Revenue
$0
Change in Net Assets
$-22,131
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$107,477
Salaries, Compensation, and Employee Benefits$64,982
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$42,350
Information Technology---$33,921
Office Expenses---$32,728
Other Salaries and Wages---$16,110
All Other Expenses---$6,306
Occupancy---$5,400
Payroll Taxes---$5,264
Benefits to Members---$4,553
Fees for Services Accounting---$3,300
Depreciation Depletion---$1,604
Insurance---$1,350
Pension Plan Contributions---$1,258
Other Expenses---$1,151
Advertising---$723
Total Functional Expenses$0$0$0$177,012
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares & Deposits$3,455,823
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Morton Salt Credit Union
EIN
34-0764353
Phone
3309271025
Address
PO BOX 36, RITTMAN, OH 44270

Signing Officer

Name
Pamela Blubaugh
Title
CEO
Phone
3309271025
Signed
2017-11-07
Discuss with paid preparer
Yes

Organization Details

Formed
2016
Legal Domicile
Oh
Voting Board Members
5
Independent Board Members
5
Employees
3
Volunteers
5

Preparer

Firm
McDowell's Office Management
Address
1025 23rd Avenue, Altoona, PA 16601
Preparer
William C Mcdowell Jr
Phone
8142073295
Supplemental Narrative

Additional Explanations

Pt VI, Line 7A

“The member-owners of the credit union have the authority to elect the members of the board of directors for three-year terms on a rotating basis. Candidates are elected by a simple majority vote. The board of directors appoint volunteers to serve on the supervisory committee which is vested with monitoring saety and soundness of the organization. If deemed appropriate the supervisory committee can suspend board members and can call a special meeting of the membership to evaluate the issue and vote to either dismiss or reinstate the board member.”

Pt VI, Line 11B

“Before the return is filed with the irs, the ceo will review the irs form 990 and related schedules for accuracy of every answer and oversight of appropriate changes then the return will be submitted to the board of directors at their board meeting for their review.”

Pt VI, Line 15A

“The board of directors reviews the managers performance annually with possible salary increases.”

Pt VI, Line 19

“The credit unions bylaws and financial statements are made available to the public at the credit union's office”

Raw XML Appendix319 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE MAJORITY VOTE. THE BOARD OF DIRECTORS APPOINT VOLUNTEERS TO SERVE ON THE SUPERVISORY COMMITTEE WHICH IS VESTED WITH MONITORING SAETY AND SOUNDNESS OF THE ORGANIZATION. IF DEEMED APPROPRIATE THE SUPERVISORY COMMITTEE CAN SUSPEND BOARD MEMBERS AND CAN CALL A SPECIAL MEETING OF THE MEMBERSHIP TO EVALUATE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BEFORE THE RETURN IS FILED WITH THE IRS, THE CEO WILL REVIEW THE IRS FORM 990 AND RELATED SCHEDULES FOR ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES THEN THE RETURN WILL BE SUBMITTED TO THE BOARD OF DIRECTORS AT THEIR BOARD MEETING FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEWS THE MANAGERS PERFORMANCE ANNUALLY WITH POSSIBLE SALARY INCREASES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNIONS BYLAWS AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC AT THE CREDIT UNION'S OFFICE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 19
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IRS990/TotalLiabilitiesGrp/EOYAmt03460376
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0791302
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0769041
IRS990/TotalProgramServiceRevenueAmt0132107
IRS990/TotalReportableCompFromOrgAmt042350
IRS990/TotalRevenueGrp/ExclusionAmt022774
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0132107
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0154881
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04218819
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04229417
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 36
IRS990/USAddress/CityNm0RITTMAN
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd044270
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PAMELA BLUBAUGH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03309271025
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MORTON SALT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MORT
ReturnHeader/Filer/EIN0340764353
ReturnHeader/Filer/PhoneNum03309271025
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 36
ReturnHeader/Filer/USAddress/CityNm0RITTMAN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OH
ReturnHeader/Filer/USAddress/ZIPCd044270
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId09CF6DE6DCD476BC24B8E0B47729FEBF8797883C8
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09CF6DE6DCD476BC24B8E0B47729FEBF8797883C8
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0174.140.126.214
ReturnHeader/FilingSecurityInformation/IPDt02017-11-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PS
ReturnHeader/FilingSecurityInformation/IPTm005:26:04
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0McDowell's Office Management
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01025 23rd Avenue
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Altoona
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd016601
ReturnHeader/PreparerPersonGrp/PhoneNum08142073295
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0WILLIAM C MCDOWELL JR
ReturnHeader/ReturnTs02017-11-10T05:26:15-08:00
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
$4,229,417
Liabilities
$3,460,376
Net assets
$769,041
Revenue
$154,881
Expenses
$177,012
Net income
-$22,131
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$4.17$3.45$0.72$0.04$0.06$0.02
2019Detailed filing. Detailed filing data is available for this year.$4.07$3.33$0.74$0.16$0.18$0.02
2018Detailed filing. Detailed filing data is available for this year.$4.10$3.35$0.76$0.16$0.17$0.01
2017Detailed filing. Detailed filing data is available for this year.$4.30$3.54$0.77$0.15$0.14$0.01
2016Detailed filing. Detailed filing data is available for this year.$4.23$3.46$0.77$0.15$0.18$0.02
2015Detailed filing. Detailed filing data is available for this year.$4.22$3.43$0.79$0.15$0.18$0.03
2014Detailed filing. Detailed filing data is available for this year.$4.19$3.38$0.82$0.15$0.18$0.04
2013Detailed filing. Detailed filing data is available for this year.$4.50$3.65$0.85$0.15$0.17$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.53$3.66$0.87$0.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.57$3.69$0.88$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.21$3.31$0.90$0.19