Civic Intelligence

United Methodist Ministries Credit Union

EIN 37-0634467 • 501(c)14

Profile

To encourage thrift among its members,

510 E Washington Street61701

n/A

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

76th percentile

16.71x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

29th percentile

-19%

Higher net margin than 29% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

62nd percentile

$63,081

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 29.2% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

61st percentile

-5.8%

Faster asset growth than 61% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets95th percentile

Assets

Down

$3,868,170

Down $236,727 (-5.8%) from 2012

Liabilities

Down

$3,605,896

Down $196,170 (-5.2%) from 2012

Net Assets

Down

$262,274

Down $40,557 (-13%) from 2012

Operations
Liabilities / Revenue76th percentileNet Margin29th percentile

Revenue

$215,738

No earlier filing loaded for comparison.

Expenses

Up

$256,295

Up $2,732 (+1.1%) from 2012

Net Income

-$40,557

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,582,227Liabilities 2010: $4,254,647Net Assets 2010: $327,5802010Assets 2011: $4,167,576Liabilities 2011: $3,841,784Net Assets 2011: $325,7922011Assets 2012: $4,104,897Liabilities 2012: $3,802,066Net Assets 2012: $302,8312012Assets 2013: $3,868,170Liabilities 2013: $3,605,896Net Assets 2013: $262,2742013

Highlighted filing

2013

Assets$3,868,170
Liabilities$3,605,896
Net Assets$262,274
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0-$100KExpenses 2010: $319,6132010Expenses 2011: $249,8242011Expenses 2012: $253,5632012Revenue 2013: $215,738Expenses 2013: $256,295Net Income 2013: -$40,5572013

Highlighted filing

2013

Revenue$215,738
Expenses$256,295
Net Income-$40,557
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,868,170
Liabilities
$3,605,896
Net assets
$262,274
Revenue
$215,738
Expenses
$256,295
Net income
-$40,557
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$3.87$3.61$0.26$0.22$0.26$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.10$3.80$0.30$0.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.17$3.84$0.33$0.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.58$4.25$0.33$0.32
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 24, 2014
Return Version
2013v3.1
Gross Receipts
$215,738
Mission and Program Overview

Mission

To encourage thrift among its members,

To encourage thrift among its members, to create a source of credit at a reasonable rate of interest, and to provide an opportunity for its members to use and control their own money in order to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,222,460$1,860,474▼ $361,986
Savings and Temporary Cash Investments$985,981$1,171,217▲ $185,236
Investments in Publicly Traded Securities$798,000$749,000▼ $49,000
Rtn Earn Endowment Incm Other Fnds$302,831$262,274▼ $40,557
Prepaid Expenses and Deferred Charges$21,405$17,229▼ $4,176
Land, Buildings, and Equipment, Net$8,386$4,597▼ $3,789
Cash and Non-Interest-Bearing Accounts$3,162$3,455▲ $293
Total Assets$4,104,897$3,868,170▼ $236,727
Other Assets Total$65,503$62,198▼ $3,305
Liabilities
Other Liabilities$3,799,341$3,601,145▼ $198,196
Accounts Payable and Accrued Expenses$2,725$4,751▲ $2,026
Total Liabilities$3,802,066$3,605,896▼ $196,170
Net Assets / Fund Balance
Total Net Assets Fund Balance$302,831$262,274▼ $40,557
Total Liabilities and Net Assets / Fund Balance$4,104,897$3,868,170▼ $236,727

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,597$176,502$181,099
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Susan PhelpsPresident/managerFT$48,851$14,230$63,081

Board Members and Trustees

NameTitle
David VenterChairperson
Russell SmithVice Chair
Ann ChampionDirector
Barbara FergusonDirector
Bruce Bolin GhitallaDirector
Caleb HongDirector
James GalbreathDirector
Jay RegennitterDirector
Kenneth HarrisDirector
Lea SchulerDirector
Robert RoySecretary
William HammittTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$196,389
Investment Income
$19,349
Other Revenue
$0
Change in Net Assets
$-40,557
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$153,148
Salaries, Compensation, and Employee Benefits$103,147
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$63,081
Office Expenses---$56,045
Other Salaries and Wages---$28,605
Other Expenses---$19,465
All Other Expenses---$15,293
Occupancy---$8,652
Insurance---$7,650
Payroll Taxes---$6,165
Other Employee Benefits---$5,296
Fees for Services Accounting---$4,950
Conferences and Meetings---$1,698
Fees for Services Management---$563
Fees for Services Legal---$220
Total Functional Expenses$0$0$0$256,295
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share and Savings Accounts$3,601,145
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
37-0634467
Phone
3098278636

Signing Officer

Name
Susan Phelps
Title
President/manager
Phone
3098278636
Signed
2014-04-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Susan Phelps
Formed
1940
Legal Domicile
Il
Voting Board Members
12
Independent Board Members
12
Employees
3
Volunteers
13

Preparer

Preparer
Richard K Hooper
Phone
2178249661
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“The credit union is a member owned financial institution.”

Pt VI, Line 7A

“The governing body is elected from/by the membership annually.”

Pt VI, Line 7B

“From time to time, certain decisions will be presented to the membership”

Pt VI, Line 7B

“For a vote, which are determined on a case by case basis.”

Pt VI, Line 11B

“Copies of the final form 990 and schedules were supplied to”

Pt VI, Line 11B

“The board chairperson and manager prior to being filed with the irs. The board chairperson and manager”

Pt VI, Line 11B

“Were asked to review the return individually and to contact the return”

Pt VI, Line 11B

“Preparer, other board members, or executive officers with any”

Pt VI, Line 11B

“Questions or concerns. Copies were supplied to the remaining board members for their review”

Pt VI, Line 19

“The credit union's governing documents and financial statements”

Pt VI, Line 19

“Are available to the public upon request.”

Form 990, Part IX, Line 24F

“Educational & promotional 4741. Miscellaneous 10552.”

Raw XML Appendix362 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/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY IS ELECTED FROM/BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FOR A VOTE, WHICH ARE DETERMINED ON A CASE BY CASE BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE SUPPLIED TO
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD CHAIRPERSON AND MANAGER PRIOR TO BEING FILED WITH THE IRS. THE BOARD CHAIRPERSON AND MANAGER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6WERE ASKED TO REVIEW THE RETURN INDIVIDUALLY AND TO CONTACT THE RETURN
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8QUESTIONS OR CONCERNS. COPIES WERE SUPPLIED TO THE REMAINING BOARD MEMBERS FOR THEIR REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11EDUCATIONAL & PROMOTIONAL 4741. MISCELLANEOUS 10552.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990, Part IX, Line 24f
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt04104897
IRS990/TotalAssetsEOYAmt03868170
IRS990/TotalAssetsGrp/BOYAmt04104897
IRS990/TotalAssetsGrp/EOYAmt03868170
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0256295
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03802066
IRS990/TotalLiabilitiesEOYAmt03605896
IRS990/TotalLiabilitiesGrp/BOYAmt03802066
IRS990/TotalLiabilitiesGrp/EOYAmt03605896
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0302831
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0262274
IRS990/TotalOtherCompensationAmt014230
IRS990/TotalProgramServiceRevenueAmt0196389
IRS990/TotalReportableCompFromOrgAmt048851
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0215738
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0215738
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt04104897
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03868170
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10510 E WASHINGTON ST STE 302
IRS990/USAddress/City0BLOOMINGTON
IRS990/USAddress/State0IL
IRS990/USAddress/ZIPCode061702
IRS990/VotingMembersGoverningBodyCnt012
IRS990/VotingMembersIndependentCnt012
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN PHELPS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03098278636
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-24
ReturnHeader/Filer/BusinessName/BusinessNameLine10UNITED METHODIST MINISTRIES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0UNIT
ReturnHeader/Filer/EIN0370634467
ReturnHeader/Filer/PhoneNum03098278636
ReturnHeader/Filer/USAddress/AddressLine10510 E WASHINGTON STREET
ReturnHeader/Filer/USAddress/City0BLOOMINGTON
ReturnHeader/Filer/USAddress/State0IL
ReturnHeader/Filer/USAddress/ZIPCode061701
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LMHN LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10900 N Webster St PO Box 87
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Taylorville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode062568
ReturnHeader/PreparerPersonGrp/PhoneNum02178249661
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD K HOOPER
ReturnHeader/ReturnTs02014-05-13T05:04:18-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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