Civic Intelligence

Motorola Employees Credit Union

EIN 36-1508191 • 501(c)14 • Schaumburg, IL

View Organization Page

Profile

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center and the internet.

1501 E Woodfield RoadSchaumburg, IL 60173

www.mecu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

25th percentile

0.88x

Higher debt load relative to assets than 25% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

72nd percentile

17.15x

Higher debt load relative to revenue than 72% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

65th percentile

14%

Higher net margin than 65% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

37th percentile

1.3%

Faster asset growth than 37% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

33rd percentile

11%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets25th percentile

Assets

Up

$850,101,906

Up $11,017,528 (+1.3%) from 2018

Liabilities

Up

$746,040,512

Up $4,288,412 (+0.6%) from 2018

Net Assets

Up

$104,061,394

Up $6,729,116 (+6.9%) from 2018

Operations
Liabilities / Revenue72nd percentileNet Margin65th percentile

Revenue

Up

$43,497,190

Up $4,185,231 (+11%) from 2018

Expenses

Up

$37,616,202

Up $1,982,544 (+5.6%) from 2018

Net Income

Up

$5,880,988

Up $2,202,687 (+60%) from 2018

Trend Graphs

Balance Sheet Trend

Asset Growth37th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0B$500M$0Assets 2014: $858,175,753Liabilities 2014: $771,275,506Net Assets 2014: $86,900,2472014Assets 2015: $888,878,919Liabilities 2015: $799,334,913Net Assets 2015: $89,544,0062015Assets 2017: $867,135,507Liabilities 2017: $773,318,419Net Assets 2017: $93,817,0882017Assets 2018: $839,084,378Liabilities 2018: $741,752,100Net Assets 2018: $97,332,2782018Assets 2019: $850,101,906Liabilities 2019: $746,040,512Net Assets 2019: $104,061,3942019

Highlighted filing

2019

Assets$850,101,906
Liabilities$746,040,512
Net Assets$104,061,394
Open 2019 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Revenue 2014: $31,352,571Expenses 2014: $26,224,241Net Income 2014: $5,128,3302014Revenue 2015: $30,972,476Expenses 2015: $26,804,272Net Income 2015: $4,168,2042015Revenue 2017: $35,582,519Expenses 2017: $33,018,227Net Income 2017: $2,564,2922017Revenue 2018: $39,311,959Expenses 2018: $35,633,658Net Income 2018: $3,678,3012018Revenue 2019: $43,497,190Expenses 2019: $37,616,202Net Income 2019: $5,880,9882019

Highlighted filing

2019

Revenue$43,497,190
Expenses$37,616,202
Net Income$5,880,988
Open 2019 Filing

Filings

Most recent year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$850,101,906
Liabilities
$746,040,512
Net assets
$104,061,394
Revenue
$43,497,190
Expenses
$37,616,202
Net income
$5,880,988
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019Detailed filing. Detailed filing data is available for this year.$850$746$104$43.5$37.6$5.88
2018Detailed filing. Detailed filing data is available for this year.$839$742$97.3$39.3$35.6$3.68
2017Detailed filing. Detailed filing data is available for this year.$867$773$93.8$35.6$33.0$2.56
2015Detailed filing. Detailed filing data is available for this year.$889$799$89.5$31.0$26.8$4.17
2014Detailed filing. Detailed filing data is available for this year.$858$771$86.9$31.4$26.2$5.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 30, 2020
Return Version
2019v5.0
Gross Receipts
$43,497,190
Mission and Program Overview

Mission

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center and the internet.

The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$641,798,138$609,960,202▼ $31,837,936
Savings and Temporary Cash Investments$52,087,208$116,391,269▲ $64,304,061
Rtn Earn Endowment Incm Other Fnds$97,332,278$104,061,394▲ $6,729,116
Investments in Publicly Traded Securities$101,139,104$80,230,599▼ $20,908,505
Land, Buildings, and Equipment, Net$12,923,240$13,547,694▲ $624,454
Receivables From Officers Etc$2,165,984$3,348,403▲ $1,182,419
Prepaid Expenses and Deferred Charges$1,785,263$1,529,122▼ $256,141
Cash and Non-Interest-Bearing Accounts$837,547$1,185,393▲ $347,846
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$839,084,378$850,101,906▲ $11,017,528
Other Assets Total$26,347,894$23,909,224▼ $2,438,670
Liabilities
Other Liabilities$714,848,436$723,452,342▲ $8,603,906
Accounts Payable and Accrued Expenses$26,903,664$22,588,170▼ $4,315,494
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$741,752,100$746,040,512▲ $4,288,412
Net Assets / Fund Balance
Total Net Assets Fund Balance$97,332,278$104,061,394▲ $6,729,116
Total Liabilities and Net Assets / Fund Balance$839,084,378$850,101,906▲ $11,017,528

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,986,004$646,601$0
Other Land Buildings$1,696,117$3,265,967$0
Land$398,194-$0
Equipment$3,098,096$7,629,230$0
Leasehold Improvements$2,369,283$1,158,592$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MurphyChief Executive OfficerFT$415,950$209,766$625,716
Larry RosinChief Financial OfficerFT$296,909$69,351$366,260
Jean TheisChief Operating OfficerFT$272,497$84,858$357,355
Sean BowersChief Lending OfficerFT$271,332$80,692$352,024
Matthew HancockVice President - Business ServicesFT$185,560$43,500$229,060
Christine StotlandVice President - Member ExperienceFT$173,712$47,523$221,235
Robert WilbergVice President - ControllerFT$157,043$25,294$182,337
Eric KapusinskiVice President - Information TechnologyFT$146,008$24,643$170,651
Sarah BrennerVP - MarketingFT$152,306$9,342$161,648
Sandra ZunigaAccounting ManagerFT$108,879$9,465$118,344
Robin BalfourTraining and Facility ManagerFT$102,354$8,348$110,702
Mark HolladayBusiness Loan OfficerFT$96,341$11,890$108,231
Heather McGivernOperations ManagerFT$97,568$8,036$105,604
Michael ChattertonWealth Management AdvisorFT$102,250$900$103,150
Melissa PedregalConsumer Lending ManagerFT$92,775$7,535$100,310

Board Members and Trustees

NameTitle
Ann SimmsChairman
Michael AnnesVice Chairman
Bob HubbertsDirector
Jeannine MeyoDirector
John FioreDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,101,951
Investment Income
$7,395,239
Other Revenue
$0
Change in Net Assets
$5,880,988
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,521,134
Salaries, Compensation, and Employee Benefits$12,095,068
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$7,764,163
Interest---$3,395,127
Other Expenses---$2,727,546
Depreciation Depletion---$2,277,693
Information Technology---$2,265,317
Advertising---$1,932,297
Office Expenses---$1,772,039
Current Officers, Directors, Trustees, and Key Employees---$1,701,356
Occupancy---$1,460,637
Other Employee Benefits---$1,278,972
Pension Plan Contributions---$689,727
All Other Expenses---$661,226
Payroll Taxes---$660,850
Fees for Services Accounting---$301,565
Conferences and Meetings---$122,616
Travel---$62,890
Fees for Services Legal---$59,704
Insurance---$37,137
Total Functional Expenses$0$0$0$37,616,202
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,165,984$3,348,403▲ $1,182,419
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$723,452,342
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
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
No
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

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“No review was or will be conducted.”

Form 990, Part VI, Section C, Line 18

“No documents available to the public.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Andigo Credit Union
EIN
36-1508191
Phone
8475765199
Address
1501 E Woodfield Road, Schaumburg, IL 60173

Signing Officer

Name
Robert Wilberg
Title
Vice President - Controller
Phone
8475767370
Signed
2020-06-30

Organization Details

Principal Officer
Michael Murphy
Formed
1939
Legal Domicile
Il
Voting Board Members
8
Independent Board Members
6
Employees
0
Volunteers
7
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice President - Business Services
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice President - Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt6Vice President - Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice President - Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP - Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt9Accounting Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt10Training and Facility Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt11Business Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Operations Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt13Wealth Management Advisor
IRS990/Form990PartVIISectionAGrp/TitleTxt14Consumer Lending Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt15Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt043497190
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IRS990/InsuranceGrp/TotalAmt037137
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IRS990/MissionDesc0The organization is a full service, state-chartered credit union providing a broad range of loan and deposit products and other financial services to its members located throughout the US using various channels including branches, a call center, and the internet.
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IRS990/OtherExpensesGrp/Desc2Professional & Outside Services
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IRS990/OtherExpensesGrp/TotalAmt11494000
IRS990/OtherExpensesGrp/TotalAmt21739950
IRS990/OtherExpensesGrp/TotalAmt32727546
IRS990/OtherLiabilitiesGrp/BOYAmt0714848436
IRS990/OtherLiabilitiesGrp/EOYAmt0723452342
IRS990/OtherOrganizationDsc0Credit Union
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IRS990/PrincipalOfficerNm0Michael Murphy
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