Civic Intelligence

Meadows Credit Union

990 • Fiscal year 2010 • EIN 36-6081100

Jan 01, 2010 to Dec 31, 2010 • Filed on May 03, 2011

Organization ProfileWW.MCUONLINE.COM

View Organization Page

3350 Salt Creek Lane60005
Siviq Scores

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

Liabilities / Assets

99th percentile

0.95x

Higher debt load relative to assets than 99% of similar nonprofits.

2010 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets99th percentile

Assets

$116,930,313

No earlier filing loaded for comparison.

Net Assets

$6,206,309

No earlier filing loaded for comparison.

Liabilities

$110,724,004

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$5,815,801

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$150M$100M$50M$0Assets 2010: $116,930,313Liabilities 2010: $110,724,004Net Assets 2010: $6,206,3092010Assets 2011: $116,146,744Liabilities 2011: $111,754,423Net Assets 2011: $4,392,3212011Assets 2012: $106,932,941Liabilities 2012: $102,022,008Net Assets 2012: $4,910,9332012Assets 2013: $104,677,798Liabilities 2013: $99,170,630Net Assets 2013: $5,507,1682013Assets 2014: $107,882,409Liabilities 2014: $101,609,717Net Assets 2014: $6,272,6922014Assets 2015: $112,353,709Liabilities 2015: $105,368,745Net Assets 2015: $6,984,9642015Assets 2016: $118,393,870Liabilities 2016: $110,851,253Net Assets 2016: $7,542,6172016

Highlighted filing

2010

Assets$116,930,313
Liabilities$110,724,004
Net Assets$6,206,309
Open 2010 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: $5,815,8012010Expenses 2011: $5,469,0732011Expenses 2012: $5,029,8072012Revenue 2013: $5,270,633Expenses 2013: $4,579,504Net Income 2013: $691,1292013Revenue 2014: $5,075,268Expenses 2014: $4,354,109Net Income 2014: $721,1592014Revenue 2015: $4,906,780Expenses 2015: $4,194,407Net Income 2015: $712,3732015Revenue 2016: $4,898,343Expenses 2016: $4,356,398Net Income 2016: $541,9452016

Highlighted filing

2010

Revenue-
Expenses$5,815,801
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
May 3, 2011
Return Version
2010v3.2
Gross Receipts
$21,263,859
Mission and Program Overview

Mission

The mission is to encourage thrift among its members and create a source of reasonable credit.

Major Activities

Activity 2
The organization issues share drafts, share certificates of deposit and provides savings accounts to members to encourage thrift.
Activity 3
The organization also offers financial planning services to its members.
Filing and Contact Details

Filer

EIN
36-6081100
Raw XML AppendixShowing 400 of 490 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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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0DURING 2009, THE CREDIT UNION ADOPTED ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. UPON ADOPTION, A TAX POSITION WILL BE RECOGNIZED AS A BENEFIT ONLY IF IT IS "MORE LIKELY THAN NOT" THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. THE AMOUNT RECOGNIZED WILL BE THE LARGEST AMOUNT OF TAX BENEFIT THAT IS GREATER THAN 50% LIKELY OF BEING REALIZED ON EXAMINATION. FOR TAX POSITIONS NOT MEETING THE "MORE LIKELY THAN NOT" TEST, NO TAX BENEFIT WILL BE RECORDED. ADOPTION DID NOT MATERIALLY IMPACT THE CREDIT UNION.
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERSHIP IS AVAILABLE TO INDIVIDUALS WHO WORK FOR ANY OF OUR 400 CORPORATE PARTNER COMPANIES; ARE RELATED TO AN EXISTING MEMBER; OR LIVE IN THE COMMUNITY.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS HAVE THE RIGHT TO APPOINT OR ELECT ANY OF THE BOARD OF DIRECTORS. EVERY MEMBER HAS THE RIGHT TO VOTE THE NUMBER OF SHARES OWNED FOR AS MANY PERSONS AS THERE ARE DIRECTORS TO BE ELECTED.
IRS990ScheduleO/GeneralExplanation/Explanation2THE FOLLOWING DECISIONS ARE SUBJECT TO THE APPROVAL OF ALL MEMBERS: 1) ANY CHANGE IN THE ORGANIZATION'S CHARTER, 2) ANY AMENDMENTS TO THE ARTICLES OF INCORPORATION, 3) THE VOLUNTARY LIQUIDATION OF THE ORGANIZATION, AND 4) A MERGER WITH ANOTHER ORGANIZATION WHERE MCU IS NOT THE SURVIVING INSTITUTION.
IRS990ScheduleO/GeneralExplanation/Explanation3MANAGEMENT WILL REVIEW THE RETURN WITH THE PAID TAX PREPARER. A COPY OF THE FORM 990 IS THEN SUPPLIED TO THE FULL BOARD PRIOR TO FILING THE FORM WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION SENT OUT THE CONFLICT OF INTEREST QUESTIONNAIRE ELECTRONICALLY. THE QUESTIONNAIRES WERE REVIEWED BY THE CONTROLLER TO DETERMINE IF A CONFLICT EXISTED. IF A CONFLICT EXISTED, THAT PERSON WOULD ABSTAIN FROM VOTING.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CEO'S COMPENSATION IS APPROVED BY THE BOARD USING COMPARABILITY DATA SUCH AS A CREDIT UNION INDUSTRY COMPENSATION SURVEY. THE APPROVAL WAS DOCUMENTED IN THE CEO'S PERSONNEL FILE. THE LAST CEO COMPENSATION INCREASE WAS IN 2005.
IRS990ScheduleO/GeneralExplanation/Explanation6THE COO'S COMPENSATION IS APPROVED BY THE BOARD USING COMPARABILITY DATA SUCH AS A CREDIT UNION INDUSTRY COMPENSATION SURVEY. THE APPROVAL WAS DOCUMENTED IN THE COO'S PERSONNEL FILE. THE LAST COO COMPENSATION INCREASE WAS IN 2005.
IRS990ScheduleO/GeneralExplanation/Explanation7GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE NOT AVAILABLE TO THE PUBLIC
IRS990ScheduleO/GeneralExplanation/Explanation8NET UNREALIZED GAINS (LOSSES) ON INVESTMENTS - 9996; IMPAIRMENT ON MEMBERSHIP SHARES AT CORPORATE CREDIT UNION - -54930; NCUSIF ASSESSMENTS - -277907;
IRS990ScheduleO/GeneralExplanation/Identifier0Classes of members or stockholders
IRS990ScheduleO/GeneralExplanation/Identifier1Members or stockholders electing members of governing body
IRS990ScheduleO/GeneralExplanation/Identifier2Decisions requiring approval by members or stockholders
IRS990ScheduleO/GeneralExplanation/Identifier3Review of form 990 by governing body
IRS990ScheduleO/GeneralExplanation/Identifier4Conflict of interest policy
IRS990ScheduleO/GeneralExplanation/Identifier5Process used to establish compensation of top management official
IRS990ScheduleO/GeneralExplanation/Identifier6Process used to establish compensation of other officers/key employees
IRS990ScheduleO/GeneralExplanation/Identifier7Public Disclosure
IRS990ScheduleO/GeneralExplanation/Identifier8Other changes in net assets or fund balances
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8Form 990, Part XI, Line 5
IRS990/ScheduleORequired0true
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/AddressLine103350 SALT CREEK LANE
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/City0ARLINGTON HEIGHTS
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/State0IL
IRS990ScheduleR/Form990ScheduleRPartI/AddressUS/ZIPCode060005
IRS990ScheduleR/Form990ScheduleRPartI/DirectControllingEntityName/BusinessNameLine10NA
IRS990ScheduleR/Form990ScheduleRPartI/EIN0364350185
IRS990ScheduleR/Form990ScheduleRPartI/EOYAssets010000
IRS990ScheduleR/Form990ScheduleRPartI/LegalDomicileState0IL

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$116,930,313
Liabilities
$110,724,004
Net assets
$6,206,309
Revenue
-
Expenses
$5,815,801
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$118$111$7.54$4.90$4.36$0.54
2015Detailed filing. Detailed filing data is available for this year.$112$105$6.98$4.91$4.19$0.71
2014Detailed filing. Detailed filing data is available for this year.$108$102$6.27$5.08$4.35$0.72
2013Detailed filing. Detailed filing data is available for this year.$105$99.2$5.51$5.27$4.58$0.69
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$107$102$4.91$5.03
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$116$112$4.39$5.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$111$6.21$5.82