Civic Intelligence

Members First Community Credit Union

990 • Fiscal year 2012 • EIN 37-0811658

Jan 01, 2012 to Dec 31, 2012 • Filed on May 10, 2013

Organization ProfileWWW.MEMBERSFIRSTCCU.COM
1201 N 24th Street62301
Siviq Scores

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

Liabilities / Assets

47th percentile

0.88x

Higher debt load relative to assets than 47% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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

70th percentile

6.1%

Faster asset growth than 70% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M 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 / Assets47th percentile

Assets

Up

$39,178,838

Up $2,250,986 (+6.1%) from 2011

Net Assets

Up

$4,736,603

Up $835,142 (+21%) from 2011

Liabilities

Up

$34,442,235

Up $1,415,844 (+4.3%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,734,504

Down $35,179 (-2.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth70th percentile

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

$100M$50M$0Assets 2010: $32,084,965Liabilities 2010: $28,925,818Net Assets 2010: $3,159,1472010Assets 2011: $36,927,852Liabilities 2011: $33,026,391Net Assets 2011: $3,901,4612011Assets 2012: $39,178,838Liabilities 2012: $34,442,235Net Assets 2012: $4,736,6032012Assets 2013: $42,230,029Liabilities 2013: $36,708,364Net Assets 2013: $5,521,6652013Assets 2014: $47,219,999Liabilities 2014: $40,114,244Net Assets 2014: $7,105,7552014Assets 2015: $50,536,892Liabilities 2015: $42,645,381Net Assets 2015: $7,891,5112015Assets 2016: $53,186,548Liabilities 2016: $44,214,419Net Assets 2016: $8,972,1292016Assets 2017: $52,897,311Liabilities 2017: $42,729,149Net Assets 2017: $10,168,1622017Assets 2018: $61,862,171Liabilities 2018: $49,716,263Net Assets 2018: $12,145,9082018Assets 2019: $66,081,652Liabilities 2019: $51,534,829Net Assets 2019: $14,546,8232019Assets 2020: $73,874,853Liabilities 2020: $57,429,371Net Assets 2020: $16,445,4822020Assets 2021: $81,377,208Liabilities 2021: $62,860,471Net Assets 2021: $18,516,7372021Assets 2022: $84,844,760Liabilities 2022: $64,241,432Net Assets 2022: $20,603,3282022Assets 2023: $90,157,591Liabilities 2023: $66,816,473Net Assets 2023: $23,341,1182023Assets 2024: $95,463,183Liabilities 2024: $70,239,160Net Assets 2024: $25,224,0232024

Highlighted filing

2012

Assets$39,178,838
Liabilities$34,442,235
Net Assets$4,736,603
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,039,5642010Expenses 2011: $1,769,6832011Expenses 2012: $1,734,5042012Revenue 2013: $2,679,932Expenses 2013: $1,894,870Net Income 2013: $785,0622013Revenue 2014: $3,599,260Expenses 2014: $2,015,170Net Income 2014: $1,584,0902014Revenue 2015: $3,264,534Expenses 2015: $2,478,778Net Income 2015: $785,7562015Revenue 2016: $3,762,097Expenses 2016: $2,681,479Net Income 2016: $1,080,6182016Revenue 2017: $4,191,119Expenses 2017: $2,995,087Net Income 2017: $1,196,0322017Revenue 2018: $4,904,509Expenses 2018: $3,468,812Net Income 2018: $1,435,6972018Revenue 2019: $6,344,824Expenses 2019: $3,943,910Net Income 2019: $2,400,9142019Revenue 2020: $5,637,531Expenses 2020: $3,738,871Net Income 2020: $1,898,6602020Revenue 2021: $5,680,983Expenses 2021: $3,609,728Net Income 2021: $2,071,2552021Revenue 2022: $6,220,531Expenses 2022: $4,133,941Net Income 2022: $2,086,5902022Revenue 2023: $7,137,710Expenses 2023: $4,399,920Net Income 2023: $2,737,7902023Revenue 2024: $7,946,848Expenses 2024: $6,116,029Net Income 2024: $1,830,8192024

Highlighted filing

2012

Revenue-
Expenses$1,734,504
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 10, 2013
Return Version
2012v2.1
Gross Receipts
$2,569,646
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.

Filing and Contact Details

Filer

EIN
37-0811658
Raw XML AppendixShowing 400 of 495 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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IRS990ScheduleL/LoanTable/WrittenAgreement7true
IRS990ScheduleL/LoanTable/WrittenAgreement8true
IRS990ScheduleL/LoanTable/WrittenAgreement9true
IRS990ScheduleL/LoanTable/WrittenAgreement10true
IRS990ScheduleL/LoanTable/WrittenAgreement11true
IRS990ScheduleL/LoanTable/WrittenAgreement12true
IRS990ScheduleL/TotalBalanceDue0463221
IRS990ScheduleO/GeneralExplanation/Explanation0THE 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/GeneralExplanation/Explanation1YES. THE CREDIT UNION IS MEMBER OWNED. THE MEMBERS HAVE AN ANNUAL MEETING AND THE BOARD OF DIRECTORS ARE VOTED ON BY THE MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation2THE GOVERNING BODY IS ELECTED FROM AND BY THE MEMBERSHIP ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Explanation3FROM 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/GeneralExplanation/Explanation4COPIES 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/GeneralExplanation/Explanation5BOARD 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/GeneralExplanation/Explanation6THE BOARD REVIEWS COMPENSATION ANNUALLY
IRS990ScheduleO/GeneralExplanation/Explanation7THE CREDIT UNION'S GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8TERM SHARE DIVIDENDS 50,910 0 0 NCUSIF STABILIZATION EXPE 33,149 0 0 CUMIS BOND 26,475 0 0 SERVICE FEES - MIDSTATES/ 19,334 0 0 IRA DIVIDENDS 16,944 0 0 VISA APOLLO FEES 16,602 0 0 MONEY MARKET DIVIDEND EXP 15,674 0 0 BAD DEBTS/SHARE DRAFTS 15,639 0 0 COLLECTION EXPENSE 14,703 0 0 HSA DIVIDENDS 14,644 0 0 CREDIT BUREAU 13,693 0 0 MAINTENANCE 12,861 0 0 ICUL DUES 11,866 0 0 ULTIMATE CHECKING DIVIDEN 9,498 0 0 OTHER PROFESSIONAL & OUTS 6,514 0 0 EQUIP MAINTENANCE 6,422 0 0 SHARE DRAFT PROCESSING FE 5,371 0 0 ARMORED CAR SERVICE 4,214 0 0 IRA SERVICE FEES 3,062 0 0 DEBIT/CC CHARGE BACK W/OF 2,859 0 0 COIN FEES CHARGED 1,955 0 0 LOAN EXPENSES 1,811 0 0 SPECIAL SHARES 1,803 0 0 BUSINESS CHECKING 1,668 0 0 TITLE FEE EXP 521 0 0 CLUB ACCOUNT DIVIDENDS 377 0 0 CLOSING EXP 373 0 0 CASH OVER/SHORT -554 0 0
IRS990ScheduleO/GeneralExplanation/Explanation9BOOK / TAX DEPRECIATION DIFFERENCE 58,867
IRS990ScheduleO/GeneralExplanation/Explanation10DEEPRECIATION NOT INCLUDED -58,867
IRS990ScheduleO/GeneralExplanation/Identifier0EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier8OTHER EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier9RECONCILIATION OF CHANGES - OTHER
IRS990ScheduleO/GeneralExplanation/Identifier10OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$39,178,838
Liabilities
$34,442,235
Net assets
$4,736,603
Revenue
-
Expenses
$1,734,504
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$95.5$70.2$25.2$7.95$6.12$1.83
2023Detailed filing. Detailed filing data is available for this year.$90.2$66.8$23.3$7.14$4.40$2.74
2022Detailed filing. Detailed filing data is available for this year.$84.8$64.2$20.6$6.22$4.13$2.09
2021Detailed filing. Detailed filing data is available for this year.$81.4$62.9$18.5$5.68$3.61$2.07
2020Detailed filing. Detailed filing data is available for this year.$73.9$57.4$16.4$5.64$3.74$1.90
2019Detailed filing. Detailed filing data is available for this year.$66.1$51.5$14.5$6.34$3.94$2.40
2018Detailed filing. Detailed filing data is available for this year.$61.9$49.7$12.1$4.90$3.47$1.44
2017Detailed filing. Detailed filing data is available for this year.$52.9$42.7$10.2$4.19$3.00$1.20
2016Detailed filing. Detailed filing data is available for this year.$53.2$44.2$8.97$3.76$2.68$1.08
2015Detailed filing. Detailed filing data is available for this year.$50.5$42.6$7.89$3.26$2.48$0.79
2014Detailed filing. Detailed filing data is available for this year.$47.2$40.1$7.11$3.60$2.02$1.58
2013Detailed filing. Detailed filing data is available for this year.$42.2$36.7$5.52$2.68$1.89$0.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.2$34.4$4.74$1.73
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.9$33.0$3.90$1.77
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.1$28.9$3.16$2.04