Civic Intelligence

Members Source Credit Union

990 • Fiscal year 2016 • EIN 35-0873966

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 29, 2017

Organization Profilewww.ms-cu.com

View Organization Page

8580 Virginia StreetMerrillville, IN 46410-6235

(219) 756-4141

Siviq Scores

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

Liabilities / Assets

49th percentile

0.89x

Higher debt load relative to assets than 49% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

88th percentile

25.99x

Higher debt load relative to revenue than 88% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

23rd percentile

2.2%

Higher net margin than 23% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

24th percentile

$112,056

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 4.3% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

40th percentile

3.0%

Faster asset growth than 40% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

48th percentile

3.6%

Faster revenue growth than 48% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$75,924,155

Up $2,189,101 (+3.0%) from 2015

Net Assets

Up

$8,567,348

Up $199,934 (+2.4%) from 2015

Liabilities

Up

$67,356,807

Up $1,989,167 (+3.0%) from 2015

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin23rd percentile

Revenue

Up

$2,591,902

Up $90,081 (+3.6%) from 2015

Expenses

Up

$2,535,451

Up $189,026 (+8.1%) from 2015

Net Income

Down

$56,451

Down $98,945 (-64%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth40th 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

2016

Assets$75,924,155
Liabilities$67,356,807
Net Assets$8,567,348
Open 2016 Filing

Operations Trend

Revenue Growth48th percentile

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

2016

Revenue$2,591,902
Expenses$2,535,451
Net Income$56,451
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 29, 2017
Return Version
2016v3.0
Gross Receipts
$2,591,902
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$34,781,511$38,775,137▲ $3,993,626
Other Notes and Loans Receivable, Net$23,493,602$26,026,171▲ $2,532,569
Rtn Earn Endowment Incm Other Fnds$8,367,414$8,567,348▲ $199,934
Investments Other Securities$10,452,120$6,448,432▼ $4,003,688
Prepaid Expenses and Deferred Charges$2,092,253$2,169,283▲ $77,030
Land, Buildings, and Equipment, Net$741,414$663,122▼ $78,292
Cash and Non-Interest-Bearing Accounts$823,760$648,634▼ $175,126
Receivables From Officers Etc$430,801$360,617▼ $70,184
Investments Program Related$88,000--
Intangible Assets$42,450$33,017▼ $9,433
Total Assets$73,735,054$75,924,155▲ $2,189,101
Other Assets Total$789,143$799,742▲ $10,599
Liabilities
Other Liabilities$65,215,434$67,176,338▲ $1,960,904
Accounts Payable and Accrued Expenses$152,206$180,469▲ $28,263
Total Liabilities$65,367,640$67,356,807▲ $1,989,167
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,367,414$8,567,348▲ $199,934
Total Liabilities and Net Assets / Fund Balance$73,735,054$75,924,155▲ $2,189,101

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$382,076$472,686$854,762
Equipment$101,460$324,740$426,200
Leasehold Improvements$67,669$157,139$224,808
Land$111,917-$111,917
Other Securities$-51,568--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott SheltonCEO/presidentFT$101,929$10,127$112,056
Catherine BlastickCOO/vice PresidentFT$65,735$12,039$77,774
Shirley PatellisCCOFT$56,329$11,320$67,649
Susanne FalconeAcctg MgrFT$53,520$10,603$64,123

Board Members and Trustees

NameTitle
Jeffrey PerzChairperson
Barry WeissVice Chairperson
Anna OrtegaDirector
Charles DonovanDirector
Mitch HershbergerDirector
Ron HarperDirector
Wendy BowlinDirector
Cecelia LarguraSecretary
Stephen GallasTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,263,369
Investment Income
$597,683
Other Revenue
$730,850
Change in Net Assets
$56,451
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,311,359
Salaries, Compensation, and Employee Benefits$1,224,092
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$708,506$0$0$708,506
All Other Expenses$382,354$0$0$382,354
Current Officers, Directors, Trustees, and Key Employees$321,602$0$0$321,602
Occupancy$186,568$0$0$186,568
Interest$146,171$0$0$146,171
Office Expenses$117,478$0$0$117,478
Depreciation Depletion$112,128$0$0$112,128
Fees for Services Other$95,023$0$0$95,023
Other Employee Benefits$72,168$0$0$72,168
Payroll Taxes$71,886$0$0$71,886
Pension Plan Contributions$49,930$0$0$49,930
Insurance$35,964$0$0$35,964
Travel$27,916$0$0$27,916
Advertising$23,059$0$0$23,059
Other Expenses$7,352$0$0$7,352
Fees for Service Investment Mgmnt Fees$4,105$0$0$4,105
Conferences and Meetings$2,927$0$0$2,927
Total Functional Expenses$2,535,451$0$0$2,535,451
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$430,801$360,617▼ $70,184
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Savings$33,595,853
Money Markets$14,224,546
Share Certificates$7,569,581
Share Drafts$6,851,192
Ira Accounts$3,973,924
Club Accounts$961,242
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”

Form 990, Part VI, Line 9

“Mitch hershberger 8038 howard ave munster in 46321”

Form 990, Part VI, Line 9

“Ron harper 757 blue jay ln. Dyer in 46311”

Form 990, Part VI, Line 9

“Jeff perz 9807 buchanan st. Crown point in 46307”

Form 990, Part VI, Line 9

“Wendy bowlin 827 w clark st. Rensselaer in 47948”

Form 990, Part VI, Line 9

“Barry weiss 10413 sandy ln. Munster in 46321”

Form 990, Part VI, Line 9

“Cecilia largura 705 audubon dr. Valparaiso in 46383”

Form 990, Part VI, Line 9

“Steve gallas 8917 cottage grove pl. Highland in 46322”

Form 990, Part VI, Line 9

“Charles donovan 304 river oaks dr. Richmond hill ga 31324”

Filing and Contact Details

Filer

Filer Name
Members Source Credit Union
EIN
35-0873966
Phone
2197564141
Address
8580 VIRGINIA STREET, MERRILLVILLE, IN 46410-6235

Signing Officer

Name
Scott Shelton
Title
CEO
Phone
2197564141
Signed
2017-03-29
Discuss with paid preparer
Yes

Organization Details

Formed
1935
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
30
Volunteers
17

Preparer

Firm
Homer Wilson & Co Ltd
Address
900 RIDGE ROAD SUITE S, MUNSTER, IN 46321-1727
Preparer
Ray Suoranta
Phone
2198364930
Supplemental Narrative

Additional Explanations

Pt VII, Col (E)

“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 it is posted on a secure portal for the board to access. The board reviews at the next board meeting”

Pt VI, Line 15A

“Credit union uses cuna trade salary survey for the executive”

Pt VI, Line 15B

“Salaries and reviews mgmt recommendations for other increases”

Pt VI, Line 19

“Documents are available upon written request”

Pt VI, Line 6

“Each member of the credit union that maintains the minimum balance in their account is a shareholder.”

Pt XI

“The difference of $1.00 is due to rounding”

Form 990, Part IX, Line 24E

“Loan servicing 286469. 286469. 0. 0.”

Form 990, Part IX, Line 24E

“Share branch exp 64950. 64950. 0. 0.”

Form 990, Part IX, Line 24E

“Cash over/short 10202. 10202. 0. 0.”

Form 990, Part IX, Line 24E

“Miscellaneous operating 0. 0. 0. 0.”

Form 990, Part IX, Line 24E

“Dfi fee 11000. 11000. 0. 0.”

Form 990, Part IX, Line 24E

“Charitable donations 300. 300. 0. 0.”

Form 990, Part IX, Line 24E

“Amort of intangible assets 9433. 9433. 0. 0.”

Raw XML AppendixShowing 400 of 645 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/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2SHAREDRAFT & ATM EXP
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IRS990/OtherExpensesGrp/ProgramServicesAmt37352
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IRS990/OtherRevenueMiscGrp/Desc1MISC. OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc2OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0326936
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1322314
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt281600
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1322314
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt281600
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IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0708506
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023493602
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026026171
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
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IRS990/PayrollTaxesGrp/TotalAmt071886
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt049930
IRS990/PensionPlanContributionsGrp/TotalAmt049930
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02092253
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02169283
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0SCOTT SHELTON
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01263369
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0126
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0563617
IRS990/PYOtherExpensesAmt01224789
IRS990/PYOtherRevenueAmt0718322
IRS990/PYProgramServiceRevenueAmt01219882
IRS990/PYRevenuesLessExpensesAmt0155396
IRS990/PYSalariesCompEmpBnftPaidAmt01121510
IRS990/PYTotalExpensesAmt02346425
IRS990/PYTotalRevenueAmt02501821
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0430801
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0360617
IRS990/ReconcilationRevenueExpnssAmt056451
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08367414
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08567348
IRS990/SavingsAndTempCashInvstGrp/BOYAmt034781511
IRS990/SavingsAndTempCashInvstGrp/EOYAmt038775137
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0382076
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0472686
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0854762
IRS990ScheduleD/EquipmentGrp/BookValueAmt0101460
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0324740
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0426200
IRS990ScheduleD/LandGrp/BookValueAmt0111917
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0111917
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt067669
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0157139
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0224808
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033595853
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16851192
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2961242
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt37569581
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt43973924
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt514224546
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/BookValueAmt06500000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1-51568
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt54156
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt694927
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt736
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt99355
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt101733
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Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$75,924,155
Liabilities
$67,356,807
Net assets
$8,567,348
Revenue
$2,591,902
Expenses
$2,535,451
Net income
$56,451
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
2016Detailed filing. Detailed filing data is available for this year.$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
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $50M-$100M nonprofits