Civic Intelligence

Members Source Credit Union

990 • Fiscal year 2013 • EIN 35-0873966

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 24, 2013

Organization Profilewww.ms-cu.com

View Organization Page

8580 Virginia Street46410-6235

(219) 756-4141

Siviq Scores

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

Liabilities / Assets

45th percentile

0.89x

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

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

91st percentile

26.19x

Higher debt load relative to revenue than 91% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

48th percentile

7.8%

Higher net margin than 48% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

52nd percentile

$129,470

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

35th percentile

0.7%

Faster asset growth than 35% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$72,654,465

Up $504,946 (+0.7%) from 2012

Net Assets

Up

$8,081,695

Up $4,758 (+0.1%) from 2012

Liabilities

Up

$64,572,770

Up $500,188 (+0.8%) from 2012

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin48th percentile

Revenue

$2,465,453

No earlier filing loaded for comparison.

Expenses

Down

$2,273,361

Down $266,769 (-11%) from 2012

Net Income

$192,092

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$100M$50M$0Assets 2010: $69,264,524Liabilities 2010: $61,358,254Net Assets 2010: $7,906,2702010Assets 2011: $70,351,648Liabilities 2011: $62,388,583Net Assets 2011: $7,963,0652011Assets 2012: $72,149,519Liabilities 2012: $64,072,582Net Assets 2012: $8,076,9372012Assets 2013: $72,654,465Liabilities 2013: $64,572,770Net Assets 2013: $8,081,6952013Assets 2014: $72,092,186Liabilities 2014: $63,784,562Net Assets 2014: $8,307,6242014Assets 2015: $73,735,054Liabilities 2015: $65,367,640Net Assets 2015: $8,367,4142015Assets 2016: $75,924,155Liabilities 2016: $67,356,807Net Assets 2016: $8,567,3482016Assets 2017: $76,510,519Liabilities 2017: $67,822,514Net Assets 2017: $8,688,0052017Assets 2018: $76,115,716Liabilities 2018: $67,124,420Net Assets 2018: $8,991,2962018Assets 2019: $75,145,636Liabilities 2019: $65,917,622Net Assets 2019: $9,228,0142019Assets 2020: $86,872,886Liabilities 2020: $77,308,165Net Assets 2020: $9,564,7212020Assets 2021: $93,168,373Liabilities 2021: $83,043,905Net Assets 2021: $10,124,4682021Assets 2022: $93,824,009Liabilities 2022: $82,871,041Net Assets 2022: $10,952,9682022Assets 2023: $90,277,336Liabilities 2023: $78,848,678Net Assets 2023: $11,428,6582023Assets 2024: $92,188,560Liabilities 2024: $80,218,573Net Assets 2024: $11,969,9872024

Highlighted filing

2013

Assets$72,654,465
Liabilities$64,572,770
Net Assets$8,081,695
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,800,0442010Expenses 2011: $2,807,0022011Expenses 2012: $2,540,1302012Revenue 2013: $2,465,453Expenses 2013: $2,273,361Net Income 2013: $192,0922013Revenue 2014: $2,455,158Expenses 2014: $2,269,051Net Income 2014: $186,1072014Revenue 2015: $2,501,821Expenses 2015: $2,346,425Net Income 2015: $155,3962015Revenue 2016: $2,591,902Expenses 2016: $2,535,451Net Income 2016: $56,4512016Revenue 2017: $2,774,964Expenses 2017: $2,662,868Net Income 2017: $112,0962017Revenue 2018: $3,136,083Expenses 2018: $2,851,610Net Income 2018: $284,4732018Revenue 2019: $3,295,352Expenses 2019: $3,082,423Net Income 2019: $212,9292019Revenue 2020: $3,139,766Expenses 2020: $2,803,729Net Income 2020: $336,0372020Revenue 2021: $3,183,088Expenses 2021: $2,623,341Net Income 2021: $559,7472021Revenue 2022: $3,726,820Expenses 2022: $2,898,320Net Income 2022: $828,5002022Revenue 2023: $3,875,419Expenses 2023: $3,399,729Net Income 2023: $475,6902023Revenue 2024: $4,537,436Expenses 2024: $3,996,107Net Income 2024: $541,3292024

Highlighted filing

2013

Revenue$2,465,453
Expenses$2,273,361
Net Income$192,092
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 24, 2013
Return Version
2013v3.1
Gross Receipts
$2,465,453
Mission and Program Overview

Mission

Credit Union is a not-for-profit, member-owned financial institution, we work hard to ensure the credit union philosophy of people helping people. We offer a full line of products and services.

Credit union as a not-for-profit, member-owned financial institution, we work hard to ensure the credit union philosophy of people helping people. We offer a full line of products and services using the latest technology and focus on providing prompt, courteous, personalized service.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$37,423,371$37,160,648▼ $262,723
Other Notes and Loans Receivable, Net$21,128,947$22,461,765▲ $1,332,818
Investments Other Securities$10,363,068$9,811,640▼ $551,428
Rtn Earn Endowment Incm Other Fnds$8,076,937$8,081,695▲ $4,758
Cash and Non-Interest-Bearing Accounts$937,906$1,053,350▲ $115,444
Land, Buildings, and Equipment, Net$783,475$836,373▲ $52,898
Receivables From Officers Etc$260,450$288,894▲ $28,444
Investments Program Related$342,604$105,528▼ $237,076
Prepaid Expenses and Deferred Charges$52,436$93,244▲ $40,808
Intangible Assets$70,750$61,317▼ $9,433
Total Assets$72,149,519$72,654,465▲ $504,946
Other Assets Total$786,512$781,706▼ $4,806
Liabilities
Other Liabilities$63,924,482$64,434,202▲ $509,720
Accounts Payable and Accrued Expenses$148,100$138,568▼ $9,532
Total Liabilities$64,072,582$64,572,770▲ $500,188
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,076,937$8,081,695▲ $4,758
Total Liabilities and Net Assets / Fund Balance$72,149,519$72,654,465▲ $504,946

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$458,638$381,461$840,099
Equipment$151,458$323,059$474,517
Leasehold Improvements$114,360$97,463$211,823
Land$111,917-$111,917
Other Securities$-188,360--
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles DonovanCEO/presidentFT$103,065$26,405$129,470
Catherine BlastickCOO/vice PresidentFT$67,487$11,371$78,858
Shirley PatellisCCOFT$58,501$9,788$68,289

Board Members and Trustees

NameTitle
Jeffrey PerzChairman
Randy HulenVice-chairman
Anna OrtegaDirector
Barry WeissDirector
Chanda Carey-vickerstaffDirector
Mitch HershbergerDirector
Ron HarperDirector
Wendy BowlinDirector
Clayton CarlisleDirecotr
Cecelia LarguraSecretary
Stephen GallasTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,198,089
Investment Income
$583,566
Other Revenue
$683,798
Change in Net Assets
$192,092
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,213,958
Salaries, Compensation, and Employee Benefits$1,057,593
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$618,855--$618,855
All Other Expenses$311,453--$311,453
Current Officers, Directors, Trustees, and Key Employees$276,617--$276,617
Interest$196,418--$196,418
Occupancy$177,341--$177,341
Office Expenses$132,531--$132,531
Fees for Services Other$98,455--$98,455
Depreciation Depletion$86,162--$86,162
Payroll Taxes$70,319--$70,319
Other Employee Benefits$63,402--$63,402
Insurance$32,536--$32,536
Pension Plan Contributions$28,400--$28,400
Advertising$27,065--$27,065
Travel$21,526--$21,526
Other Expenses$19,583--$19,583
Fees for Service Investment Mgmnt Fees$5,043--$5,043
Conferences and Meetings$2,037--$2,037
Benefits to Members$1,810--$1,810
Total Functional Expenses$2,273,361$0$0$2,273,361
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$260,450$288,894▲ $28,444
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings$29,234,571
Share Certificates$13,525,763
Money Markets$12,613,551
Share Drafts$5,342,819
Ira Accounts$3,035,017
Club Accounts$682,481
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 9

“Anna ortega 345 independence dr. Valparaiso in xxx-xx-xxxx mitch hershberger 801 e 86th st merrillville in 46410 randy hulen 801 e 86th st merrillville in 46410 ron harper 757 blue jay ln. Dyer in 46311 jeff perz 801 e 86th st merrillville in 46410 wendy bowlin 827 w clark st. Rensselaer in 47948 clayton carlisle 441 iroquois rd schererville in 46375 chanda carey-vickerstaff 9601 buchanan st. Crown point in xxx-xx-xxxx barry weiss 801 e 86th st merrillville in 46410 cecilia largura 801 e 86th st mer”

Filing and Contact Details

Filer

EIN
35-0873966
Phone
2197564141

Signing Officer

Name
Charles Donovan
Title
CEO
Phone
2197564141
Signed
2013-03-24
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
In
Voting Board Members
11
Independent Board Members
11
Employees
31
Volunteers
15

Preparer

Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“Members of the credit union are considered shareholders.”

Pt VI, Line 7A

“Members elect the board of directors at their annual meeting.”

Pt VI, Line 11B

“The president reviews prior to filing and the board reviews”

Pt VI, Line 11B

“At the next board meeting.”

Pt VI, Line 15A

“Credit union uses cuna trade salary survey for executive”

Pt VI, Line 15B

“Salaries and reviews mgmt recommendations for other increases.”

Pt VI, Line 19

“Documents are available upon written request.”

Form 990, Part IX, Line 24F

“Loan servicing 152843. 152843. Share branch exp 73036. 73036. Cash over/short 12784. 12784. Ncusif stabilization exp 51957. 51957. Miscellaneous operating 0. 0. Dfi fee 11000. 11000. Charitable donations 400. 400. Amort of intangible assets 9433. 9433.”

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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/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08076937
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt037423371
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0840099
IRS990ScheduleD/EquipmentGrp/BookValueAmt0151458
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0323059
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0474517
IRS990ScheduleD/LandGrp/BookValueAmt0111917
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0111917
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0114360
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt097463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0211823
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt029234571
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15342819
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2682481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt313525763
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt512613551
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SAVINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CLUB ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5MONEY MARKETS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt010000000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1-188360
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IRS990ScheduleD/TotalBookValueSecuritiesAmt09811640
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IRS990/ScheduleJRequiredInd0false
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt217900
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt377437
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt442
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt614987
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt723097
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1024559
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1116177
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12430
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14573
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt155549
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt169818
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$72,654,465
Liabilities
$64,572,770
Net assets
$8,081,695
Revenue
$2,465,453
Expenses
$2,273,361
Net income
$192,092
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.2$80.2$12.0$4.54$4.00$0.54
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.3$78.8$11.4$3.88$3.40$0.48
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.8$82.9$11.0$3.73$2.90$0.83
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.2$83.0$10.1$3.18$2.62$0.56
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$86.9$77.3$9.56$3.14$2.80$0.34
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$75.1$65.9$9.23$3.30$3.08$0.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.1$67.1$8.99$3.14$2.85$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.5$67.8$8.69$2.77$2.66$0.11
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.9$67.4$8.57$2.59$2.54$0.06
2015Detailed filing. Detailed filing data is available for this year.$73.7$65.4$8.37$2.50$2.35$0.16
2014Detailed filing. Detailed filing data is available for this year.$72.1$63.8$8.31$2.46$2.27$0.19
2013Detailed filing. Detailed filing data is available for this year.$72.7$64.6$8.08$2.47$2.27$0.19
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$72.1$64.1$8.08$2.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.4$62.4$7.96$2.81
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$69.3$61.4$7.91$2.80
Peer Organizations

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