Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
Members First Community Credit Union
990 • Fiscal year 2013 • EIN 37-0811658
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.87x
Liabilities / Revenue
17th percentile
Higher debt load relative to revenue than 17% of similar nonprofits.
Net Margin
97th percentile
Higher net margin than 97% of similar nonprofits.
Top Officer Pay
92nd percentile
Higher top officer pay than 92% of similar nonprofits.
Top officer pay equals 5.7% of source-year revenue.
Asset Growth
89th percentile
Faster asset growth than 89% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Up$42,230,029
Up $3,051,191 (+7.8%) from 2012
Net Assets
Up$5,521,665
Up $785,062 (+17%) from 2012
Liabilities
Up$36,708,364
Up $2,266,129 (+6.6%) from 2012
Revenue And Expenses
Revenue
$2,679,932
No earlier filing loaded for comparison.
Expenses
Up$1,894,870
Up $160,366 (+9.2%) from 2012
Net Income
$785,062
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Apr 25, 2014
- Return Version
- 2013v3.1
- Gross Receipts
- $2,714,932
Mission and Program Overview
Mission
Mfccu is a non-profit member-owned financial cooperative committed to the "people helping people" philosophy and dedicated to providing stable, comprehensive, and competitive financial services to meet member needs.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $24,281,718 | $27,584,757 | ▲ $3,303,039 |
| Cash and Non-Interest-Bearing Accounts | $564,146 | $7,305,989 | ▲ $6,741,843 |
| Savings and Temporary Cash Investments | $12,894,724 | $6,368,919 | ▼ $6,525,805 |
| Rtn Earn Endowment Incm Other Fnds | $4,736,603 | $5,521,665 | ▲ $785,062 |
| Receivables From Officers Etc | $463,221 | - | - |
| Land, Buildings, and Equipment, Net | $480,500 | $462,768 | ▼ $17,732 |
| Prepaid Expenses and Deferred Charges | $46,766 | $71,692 | ▲ $24,926 |
| Total Assets | $39,178,838 | $42,230,029 | ▲ $3,051,191 |
| Other Assets Total | $447,763 | $435,904 | ▼ $11,859 |
| Liabilities | |||
| Other Liabilities | $34,053,919 | $36,094,428 | ▲ $2,040,509 |
| Accounts Payable and Accrued Expenses | $388,316 | $613,936 | ▲ $225,620 |
| Total Liabilities | $34,442,235 | $36,708,364 | ▲ $2,266,129 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,736,603 | $5,521,665 | ▲ $785,062 |
| Total Liabilities and Net Assets / Fund Balance | $39,178,838 | $42,230,029 | ▲ $3,051,191 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $313,757 | $167,478 | $481,235 |
| Equipment | $57,063 | $99,334 | $156,397 |
| Land | $85,787 | - | $85,787 |
| Other Land Buildings | $6,161 | $31,069 | $37,230 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Teri Mcewen | President/tr | FT | $137,188 | $15,151 | $152,339 |
| Teri Mcewen | President/treasurer | - | $109,642 | $42,697 | $152,339 |
Board Members and Trustees
| Name | Title |
|---|---|
| Tracy Kiefer | Chairperson |
| Kevin Turnbull | Vice-chairpe |
| Eric Green | Director |
| Gary Myers | Director |
| John Brooks | Director |
| Jonathan Straube | Director |
| Vikki Harris | Director |
| Koleen Lord | Secretary |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,655,881
- Investment Income
- $24,051
- Other Revenue
- $0
- Change in Net Assets
- $785,062
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,055,428 |
| Salaries, Compensation, and Employee Benefits | $839,442 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $532,942 | - | - | $532,942 |
| Office Expenses | $440,906 | - | - | $440,906 |
| Other Employee Benefits | $169,312 | - | - | $169,312 |
| Current Officers, Directors, Trustees, and Key Employees | $137,188 | - | - | $137,188 |
| Advertising | $58,908 | - | - | $58,908 |
| Depreciation Depletion | $58,782 | - | - | $58,782 |
| Occupancy | $50,440 | - | - | $50,440 |
| Fees for Services Other | $33,684 | - | - | $33,684 |
| Other Expenses | $28,882 | - | - | $28,882 |
| Insurance | $28,742 | - | - | $28,742 |
| Conferences and Meetings | $28,351 | - | - | $28,351 |
| All Other Expenses | $12,186 | - | - | $12,186 |
| Total Functional Expenses | $1,894,870 | $0 | $0 | $1,894,870 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $463,221 | - | - |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $17,522,551 |
| Share Drafts | $9,245,789 |
| Share Certificates | $5,456,748 |
| Other Deposits | $2,029,220 |
| Ira | $1,840,120 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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
- Yes
- Other officer compensation reviewed
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Page 6, Part VI, Line 6
“Yes. The credit union is member owned. The members have an annual meeting and the board of directors are voted on by the members”
Form 990, Page 6, Part VI, Line 7A
“The governing body is elected from and by the membership annually.”
Form 990, Page 6, Part VI, Line 7B
“From time to time, certain decisions will be presented to the membership for a vote, which are then determined on a case by case basis.”
Form 990, Page 6, Part VI, Line 11B
“Copies of the final form 990 and schedules were supplied to each board member prior to being filed with the irs. Board members were asked to review the return individually and to contact the return preparer, other board members, or executive officers with any questions or concerns.”
Form 990, Page 6, Part VI, Line 12C
“Board members review individual conflicts of interest statements. If there was a conflict of interest the person would have to remove themself from voting power.”
Form 990, Page 6, Part VI, Line 15A
“The board reviews compensation annually, and utilizes compensation studies and the recommendation of a compensation committee.”
Form 990, Page 6, Part VI, Line 19
“The credit union's governing documents and financial statements are available to the public upon request.”
Filing and Contact Details
Filer
- EIN
- 37-0811658
- Phone
- 2172234377
Signing Officer
- Name
- Theresa Mcewen
- Title
- President
- Phone
- 2172234377
- Signed
- 2014-04-25
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Theresa Mcewen
- Formed
- 1954
- Legal Domicile
- Il
- Voting Board Members
- 9
- Independent Board Members
- 8
- Employees
- 15
- Volunteers
- 8
Preparer
- Preparer
- Robert G Gray
- Phone
- 2172247500
Supplemental Narrative
Additional Explanations
Form 990
“Part iv line 12 the credit union had an independent audit performed during the year, but it was for a different fiscal year-end than the tax year.”
Form 990, Page 1, Part I, Line 6
“The members of the credit union's board donate their time to serve on the board. The board members attend monthly meetings and perform procedures to check different aspects of the credit union's daily activities. No compensation is received for serving on the board.”
Raw XML Appendix389 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.
| Path | # | Value |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 388316 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 613936 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | MFCCU IS A NON-PROFIT MEMBER-OWNED FINANCIAL COOPERATIVE COMMITTED TO THE "PEOPLE HELPING PEOPLE" PHILOSOPHY AND DEDICATED TO PROVIDING STABLE, COMPREHENSIVE, AND COMPETITIVE FINANCIAL SERVICES TO MEET MEMBER NEEDS. |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 58908 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 58908 |
| IRS990/AllOtherExpensesGrp/ProgramServicesAmt | 0 | 12186 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 12186 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | THERESA MCEWEN |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2172234377 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 1316 SUMMERS LN |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | QUINCY |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 62301 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 564146 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 7305989 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 137188 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 137188 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | false |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 28351 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 28351 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 24051 |
| IRS990/CYOtherExpensesAmt | 0 | 1055428 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 2655881 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 785062 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 839442 |
| IRS990/CYTotalExpensesAmt | 0 | 1894870 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2679932 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 58782 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 58782 |
| IRS990/Desc | 0 | PROVIDE CONSUMER LENDING AND ACCEPT DEPOSITS FROM THE CREDIT UNION MEMBERSHIP. THE CREDIT UNION PROVIDES SERVICES TO 5,462 MEMBERS, HAS 2,983 LOAN ACCOUNTS, AND PAID 169,305 OF DIVIDENDS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 15 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 1894870 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 33684 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 33684 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 55.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| 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/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 15151 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| 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/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | TERI MCEWEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | GARY MYERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ERIC GREEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | TRACY KIEFER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN BROOKS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | VIKKI HARRIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KEVIN TURNBULL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JONATHAN STRAUBE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | KOLEEN LORD |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 137188 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| 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/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 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/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT/TR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VICE-CHAIRPE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SECRETARY |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1954 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -7350 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 27650 |
| IRS990/GrossReceiptsAmt | 0 | 2714932 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 28742 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 28742 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 31401 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 31401 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/IRPDocumentCnt | 0 | 1380 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 297881 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 480500 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 462768 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 760649 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 35000 |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | MFCCU IS A NON-PROFIT MEMBER-OWNED FINANCIAL COOPERATIVE COMMITTED TO THE "PEOPLE HELPING PEOPLE" PHILOSOPHY AND DEDICATED TO PROVIDING STABLE, COMPREHENSIVE, AND COMPETITIVE FINANCIAL SERVICES TO MEET MEMBER NEEDS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4736603 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5521665 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -7350 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -7350 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 50440 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 50440 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 440906 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 440906 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 447763 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 435904 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 169312 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 169312 |
| IRS990/OtherExpensesGrp/Desc | 0 | DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSES |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 169350 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 95000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 50197 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 28882 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 169350 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 95000 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 50197 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 28882 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 34053919 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 36094428 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 532942 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 532942 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 24281718 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 27584757 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 46766 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 71692 |
| IRS990/PrincipalOfficerNm | 0 | THERESA MCEWEN |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | MISCELLANEOUS INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1584778 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 800792 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 270311 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1584778 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 800792 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 270311 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 22242 |
| IRS990/PYOtherExpensesAmt | 0 | 971495 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2547404 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 835142 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 763009 |
| IRS990/PYTotalExpensesAmt | 0 | 1734504 |
| IRS990/PYTotalRevenueAmt | 0 | 2569646 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 463221 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 785062 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4736603 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5521665 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 12894724 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 6368919 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 313757 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 167478 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 481235 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 57063 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 99334 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 156397 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 85787 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 85787 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 6161 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 31069 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 37230 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 17522551 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 9245789 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 5456748 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 2029220 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 1840120 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | OTHER DEPOSITS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRA |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 462768 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 36094428 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 109642 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 27546 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 14382 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 769 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | TERI MCEWEN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/TREASURER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 152339 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | false |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION DOES NOT REQUIRE THAT BOARD MEMBERS REIMBURSE THE ORGANIZATION FOR COMPANIONS' TRAVEL. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE J, PAGE 1, PART I, LINE 1B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | PART IV LINE 12 THE CREDIT UNION HAD AN INDEPENDENT AUDIT PERFORMED DURING THE YEAR, BUT IT WAS FOR A DIFFERENT FISCAL YEAR-END THAN THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBERS OF THE CREDIT UNION'S BOARD DONATE THEIR TIME TO SERVE ON THE BOARD. THE BOARD MEMBERS ATTEND MONTHLY MEETINGS AND PERFORM PROCEDURES TO CHECK DIFFERENT ASPECTS OF THE CREDIT UNION'S DAILY ACTIVITIES. NO COMPENSATION IS RECEIVED FOR SERVING ON THE BOARD. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | YES. THE CREDIT UNION IS MEMBER OWNED. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS ARE VOTED ON BY THE MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | FROM TIME TO TIME, CERTAIN DECISIONS WILL BE PRESENTED TO THE MEMBERSHIP FOR A VOTE, WHICH ARE THEN DETERMINED ON A CASE BY CASE BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | COPIES OF THE FINAL FORM 990 AND SCHEDULES WERE SUPPLIED TO EACH BOARD MEMBER PRIOR TO BEING FILED WITH THE IRS. BOARD MEMBERS WERE ASKED TO REVIEW THE RETURN INDIVIDUALLY AND TO CONTACT THE RETURN PREPARER, OTHER BOARD MEMBERS, OR EXECUTIVE OFFICERS WITH ANY QUESTIONS OR CONCERNS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | BOARD MEMBERS REVIEW INDIVIDUAL CONFLICTS OF INTEREST STATEMENTS. IF THERE WAS A CONFLICT OF INTEREST THE PERSON WOULD HAVE TO REMOVE THEMSELF FROM VOTING POWER. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE BOARD REVIEWS COMPENSATION ANNUALLY, AND UTILIZES COMPENSATION STUDIES AND THE RECOMMENDATION OF A COMPENSATION COMMITTEE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 39178838 |
| IRS990/TotalAssetsEOYAmt | 0 | 42230029 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 39178838 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 42230029 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 15 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1894870 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1894870 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 34442235 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 36708364 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 34442235 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 36708364 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 4736603 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5521665 |
| IRS990/TotalOtherCompensationAmt | 0 | 15151 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1894870 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 2655881 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 137188 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 31401 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2648531 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2679932 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 39178838 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 42230029 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | 1201 N 24TH ST |
| IRS990/USAddress/City | 0 | QUINCY |
| IRS990/USAddress/State | 0 | IL |
| IRS990/USAddress/ZIPCode | 0 | 62301 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MEMBERSFIRSTCCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2015-11-30 17:44:51Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | THERESA MCEWEN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2172234377 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2014-04-25 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | MEMBERS FIRST COMMUNITY CREDIT |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2 | 0 | UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MEMB |
| ReturnHeader/Filer/EIN | 0 | 370811658 |
| ReturnHeader/Filer/PhoneNum | 0 | 2172234377 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1201 N 24TH ST PO BOX 3722 |
| ReturnHeader/Filer/USAddress/City | 0 | QUINCY |
| ReturnHeader/Filer/USAddress/State | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 623053722 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | ARNOLD BEHRENS NESBIT GRAY PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 901 HAMPSHIRE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | QUINCY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 62301 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2172247500 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2014-05-07 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | ROBERT G GRAY |
| ReturnHeader/ReturnTs | 0 | 2014-05-12T13:17:27-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $42,230,029
- Liabilities
- $36,708,364
- Net assets
- $5,521,665
- Revenue
- $2,679,932
- Expenses
- $1,894,870
- Net income
- $785,062
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