Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Liabilities / Revenue
76th percentile
Higher debt load relative to revenue than 76% of similar nonprofits.
Net Margin
70th percentile
Higher net margin than 70% of similar nonprofits.
Top Officer Pay
36th percentile
Higher top officer pay than 36% of similar nonprofits.
Top officer pay equals 3.5% of source-year revenue.
Asset Growth
42nd percentile
Faster asset growth than 42% of similar nonprofits.
Revenue Growth
12th percentile
Faster revenue growth than 12% of similar nonprofits.
Assets
Up$112,353,709
Up $4,471,300 (+4.1%) from 2014
Net Assets
Up$6,984,964
Up $712,272 (+11%) from 2014
Liabilities
Up$105,368,745
Up $3,759,028 (+3.7%) from 2014
Revenue
Down$4,906,780
Down $168,488 (-3.3%) from 2014
Expenses
Down$4,194,407
Down $159,702 (-3.7%) from 2014
Net Income
Down$712,373
Down $8,786 (-1.2%) from 2014
The mission is to encourage thrift among its members and create a source of reasonable credit.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $72,547,069 | $69,519,249 | ▼ $3,027,820 |
| Savings and Temporary Cash Investments | $17,488,959 | $29,907,000 | ▲ $12,418,041 |
| Rtn Earn Endowment Incm Other Fnds | $6,272,692 | $6,984,964 | ▲ $712,272 |
| Investments Other Securities | $5,849,001 | $4,795,825 | ▼ $1,053,176 |
| Cash and Non-Interest-Bearing Accounts | $7,725,357 | $3,741,870 | ▼ $3,983,487 |
| Land, Buildings, and Equipment, Net | $943,048 | $906,837 | ▼ $36,211 |
| Accounts Receivable | $583,528 | $718,198 | ▲ $134,670 |
| Prepaid Expenses and Deferred Charges | $268,392 | $419,934 | ▲ $151,542 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $107,882,409 | $112,353,709 | ▲ $4,471,300 |
| Other Assets Total | $2,477,055 | $2,344,796 | ▼ $132,259 |
| Liabilities | |||
| Other Liabilities | $101,271,162 | $105,108,663 | ▲ $3,837,501 |
| Accounts Payable and Accrued Expenses | $338,555 | $260,082 | ▼ $78,473 |
| Total Liabilities | $101,609,717 | $105,368,745 | ▲ $3,759,028 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $6,272,692 | $6,984,964 | ▲ $712,272 |
| Total Liabilities and Net Assets / Fund Balance | $107,882,409 | $112,353,709 | ▲ $4,471,300 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $220,480 | $4,091,293 | $4,311,773 |
| Leasehold Improvements | $93,967 | $529,189 | $623,156 |
| Other Land Buildings | $592,390 | - | $592,390 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Edward Buettner | CEO | FT | $166,756 | $4,706 | $171,462 |
| Gary Leland | Chief Operating Officer | FT | $135,167 | $16,489 | $151,656 |
| Name | Title |
|---|---|
| Rose Herzog | Vice Chairman and Secretary/treasury |
| Carl La Mell | Director |
| Daniel Wentzloff | Director |
| John Foley | Director |
| Richard Batliner | Director |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,113,358 |
| Salaries, Compensation, and Employee Benefits | $2,081,049 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,435,376 |
| Information Technology | - | - | - | $436,992 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $323,118 |
| Occupancy | - | - | - | $320,193 |
| Office Expenses | - | - | - | $244,380 |
| Other Employee Benefits | - | - | - | $180,807 |
| Other Expenses | - | - | - | $148,665 |
| Advertising | - | - | - | $124,415 |
| Payroll Taxes | - | - | - | $121,631 |
| All Other Expenses | - | - | - | $107,725 |
| Insurance | - | - | - | $78,845 |
| Depreciation Depletion | - | - | - | $64,512 |
| Interest | - | - | - | $56,423 |
| Fees for Services Accounting | - | - | - | $45,322 |
| Pension Plan Contributions | - | - | - | $20,117 |
| Fees for Services Legal | - | - | - | $6,754 |
| Total Functional Expenses | $0 | $0 | $0 | $4,194,407 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,194,407 |
| Total Expenses per Audited Statements | $4,194,407 |
| Total Expenses per Form 990 | $4,194,407 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Deposits | $105,108,663 |
“Membership eligibily requirement are documented in the organization's bylaws.”
“Members 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.”
“The 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.”
“Management 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.”
“The organization sent out the conflict of interest quiestionnaire electronically. The questionnaires were reviewed by the controller to determine if a conflict existed. If a conflict existed, that person would abstain from voting.”
“A compensation survey or study is utilized in determining the ceo and coo's compensation ad approved by independent members of the board.”
“Governing documents, conflict of interest policy, and financial statements are available to our membership upon request. Financial statements are available to our members and the general public via the ncua's website.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 338555 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 260082 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 583528 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 718198 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | THE MISSION IS TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF REASONABLE CREDIT. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 124415 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 107725 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | GARY LELAND |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8473429300 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3350 SALT CREEK LANE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | ARLINGTON HEIGHTS |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 60005 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 7725357 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3741870 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 323118 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 379095 |
| IRS990/CYOtherExpensesAmt | 0 | 2113358 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 4527685 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 712373 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2081049 |
| IRS990/CYTotalExpensesAmt | 0 | 4194407 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 4906780 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 64512 |
| IRS990/Desc | 0 | LOANS ARE GRANTED TO INDIVIDUALS WHO ARE MEMBERS IN GOOD STANDING WITH THE CREDIT UNION. LOANS CONSIST OF CONSUMER, BUSINESS, AND REAL ESTATE LOANS. GRANTED 3,367 LOANS TOTALING $28,103,320 TO OUR MEMBERS IN 2015. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 34 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 45322 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 6754 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 4706 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 16489 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | EDWARD BUETTNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | GARY LELAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ROSE HERZOG |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | JOHN FOLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | CARL LA MELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RICHARD BATLINER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DANIEL WENTZLOFF |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 166756 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 135167 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CHIEF OPERATING OFFICER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VICE CHAIRMAN AND SECRETARY/TREASURY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1941 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -20402 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | -264 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 509327 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 910241 |
| IRS990/GrossReceiptsAmt | 0 | 6347014 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 436992 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 78845 |
| IRS990/InterestGrp/TotalAmt | 0 | 56423 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 399761 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 399761 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 5849001 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 4795825 |
| IRS990/IRPDocumentCnt | 0 | 2348 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4620482 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 943048 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 906837 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5527319 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 529729 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 910505 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | THE MISSION IS TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF REASONABLE CREDIT. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 6272692 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 6984964 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -20666 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -20666 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -101 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 320193 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 244380 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2477055 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2344796 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 180807 |
| IRS990/OtherExpensesGrp/Desc | 0 | ATM/CHECK CARD EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN LOSS PROVISION |
| IRS990/OtherExpensesGrp/Desc | 2 | VISA CARD EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 306132 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 173000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 148665 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 101271162 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 105108663 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1435376 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 72547069 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 69519249 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 121631 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 20117 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 268392 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 419934 |
| IRS990/PrincipalOfficerNm | 0 | EDWARD BUETTNER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME MEMBER |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND CHARGES TO ME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | INSURANCE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2903602 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1487347 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 86627 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 50109 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2903602 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1487347 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 86627 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 50109 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE ORGANIZATION ISSUES SHARE DRAFTS, SHARE CERTIFICATES OF DEPOSIT AND PROVIDES SAVINGS ACCOUNTS TO MEMBERS TO ENCOURAGE THRIFT. MAINTAINED 20,371 SHARE ACCOUNTS FOR OUR 10,043 MEMBERS TOTALING $105,108,663 IN TOTAL SHARES AS OF DECEMBER 31, 2015. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | THE ORGANIZATION ALSO OFFERS FINANCIAL SERVICES TO ITS MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 2230778 |
| IRS990/PYOtherRevenueAmt | 0 | 224630 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4850638 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 721159 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2123331 |
| IRS990/PYTotalExpensesAmt | 0 | 4354109 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5075268 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 712373 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 6272692 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 6984964 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 17488959 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 29907000 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 220480 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 4091293 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 4311773 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4194407 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 93967 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 529189 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 623156 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 592390 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 592390 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 105108663 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4906780 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 906837 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4194407 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 105108663 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4906780 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 4906780 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4194407 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 166756 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 135167 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 3339 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 1367 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 16489 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | EDWARD BUETTNER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | GARY LELAND |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | CHIEF OPERATING OFFICER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 171462 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 151656 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MEMBERSHIP ELIGIBILY REQUIREMENT ARE DOCUMENTED IN THE ORGANIZATION'S BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | MEMBERS 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/SupplementalInformationDetail/ExplanationTxt | 2 | THE 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/SupplementalInformationDetail/ExplanationTxt | 3 | MANAGEMENT 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/SupplementalInformationDetail/ExplanationTxt | 4 | THE ORGANIZATION SENT OUT THE CONFLICT OF INTEREST QUIESTIONNAIRE 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/SupplementalInformationDetail/ExplanationTxt | 5 | A COMPENSATION SURVEY OR STUDY IS UTILIZED IN DETERMINING THE CEO AND COO'S COMPENSATION AD APPROVED BY INDEPENDENT MEMBERS OF THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE TO OUR MEMBERSHIP UPON REQUEST. FINANCIAL STATEMENTS ARE AVAILABLE TO OUR MEMBERS AND THE GENERAL PUBLIC VIA THE NCUA'S WEBSITE. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 107882409 |
| IRS990/TotalAssetsEOYAmt | 0 | 112353709 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 107882409 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 112353709 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 34 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4194407 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 101609717 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 105368745 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 101609717 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 105368745 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 6272692 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 6984964 |
| IRS990/TotalOtherCompensationAmt | 0 | 21195 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 4527685 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 301923 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 399761 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4507019 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 4906780 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 5 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 107882409 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 112353709 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3350 SALT CREEK LANE |
| IRS990/USAddress/CityNm | 0 | ARLINGTON HEIGHTS |
| IRS990/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/USAddress/ZIPCd | 0 | 60005 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WW.MCUONLINE.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | EDWARD BUETTNER |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8473429300 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2016-02-26 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MEADOWS CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MEAD |
| ReturnHeader/Filer/EIN | 0 | 366081100 |
| ReturnHeader/Filer/PhoneNum | 0 | 8473429300 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 3350 SALT CREEK LANE NO 100 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | ARLINGTON HEIGHTS |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 60005 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 362985770 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | SELDEN FOX LTD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 619 ENTERPRISE DRIVE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | OAK BROOK |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 605238835 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6309541400 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | PAUL J ROZEK |
| ReturnHeader/ReturnTs | 0 | 2016-04-14T12:58:50-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2015-01-01 |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.