Civic Intelligence

Meadows Credit Union

990 • Fiscal year 2012 • EIN 36-6081100

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 30, 2013

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.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

2nd percentile

-7.9%

Faster asset growth than 2% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$106,932,941

Down $9,213,803 (-7.9%) from 2011

Net Assets

Up

$4,910,933

Up $518,612 (+12%) from 2011

Liabilities

Down

$102,022,008

Down $9,732,415 (-8.7%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$5,029,807

Down $439,266 (-8.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth2nd percentile

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

2012

Assets$106,932,941
Liabilities$102,022,008
Net Assets$4,910,933
Open 2012 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

2012

Revenue-
Expenses$5,029,807
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 30, 2013
Return Version
2012v2.1
Gross Receipts
$31,549,437
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 475 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/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/Explanation8NCUA PREMIUM ASSESSMENT - -99000;
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/Identifier7Governing documents, conflict of interest policy and financial statements available to the public
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 9
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/BusinessNameLine10MCU
IRS990ScheduleR/Form990ScheduleRPartI/EIN0364350185
IRS990ScheduleR/Form990ScheduleRPartI/EOYAssets010000
IRS990ScheduleR/Form990ScheduleRPartI/LegalDomicileState0IL
IRS990ScheduleR/Form990ScheduleRPartI/NameOfDisregardedEntity/BusinessNameLine10ORCHARD FINANCIAL LLC
IRS990ScheduleR/Form990ScheduleRPartI/PrimaryActivities0INSURANCE SERVICES
IRS990ScheduleR/Form990ScheduleRPartI/TotalIncome00
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0IL
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine103350 Salt Creek Lane
IRS990/TheBooksAreInCareOf/AddressUS/City0Arlington Heights
IRS990/TheBooksAreInCareOf/AddressUS/State0IL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode060005
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10Gary Leland
IRS990/TheBooksAreInCareOf/TelephoneNumber08473429300

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$106,932,941
Liabilities
$102,022,008
Net assets
$4,910,933
Revenue
-
Expenses
$5,029,807
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