Civic Intelligence

Metro Credit Union

990 • Fiscal year 2011 • EIN 39-0920755

Jan 01, 2011 to Dec 31, 2011 • Filed on Apr 30, 2012

Organization Profile

View Organization Page

PO Box 63754880
Siviq Scores

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

Liabilities / Assets

90th percentile

0.90x

Higher debt load relative to assets than 90% of similar nonprofits.

2011 filings • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

29th percentile

-1.3%

Faster asset growth than 29% of similar nonprofits.

2011 filings • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$30,377,125

Down $414,713 (-1.3%) from 2010

Net Assets

Down

$3,017,869

Down $92,397 (-3.0%) from 2010

Liabilities

Down

$27,359,256

Down $322,316 (-1.2%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,662,197

Down $525,274 (-24%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth29th percentile

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

$40M$30M$20M$10M$0Assets 2010: $30,791,838Liabilities 2010: $27,681,572Net Assets 2010: $3,110,2662010Assets 2011: $30,377,125Liabilities 2011: $27,359,256Net Assets 2011: $3,017,8692011Assets 2012: $0Liabilities 2012: $0Net Assets 2012: $02012

Highlighted filing

2011

Assets$30,377,125
Liabilities$27,359,256
Net Assets$3,017,869
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $2,187,4712010Expenses 2011: $1,662,1972011Expenses 2012: $837,2812012

Highlighted filing

2011

Revenue-
Expenses$1,662,197
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Apr 30, 2012
Return Version
2011v1.2
Gross Receipts
$1,569,437
Mission and Program Overview

Major Activities

Activity 2
The credit union has several types of loan programs available for our members. We funded 960 new loans during 2011. As of 12/31/1 we had 2,983 loans to members.
Filing and Contact Details

Filer

EIN
39-0920755
Raw XML Appendix396 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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IRS990/Activity2/Description0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 960 NEW LOANS DURING 2011. AS OF 12/31/1 WE HAD 2,983 LOANS TO MEMBERS.
IRS990/ActivityOrMissionDescription0METRO CREDIT UNION IS DEDICATED AND FOCUSED ON MEETING THE COMMUNITIES' EVOLVING FINANCIAL NEEDS WHILE MAINTAINING OUR FINANCIAL STABILITY. WE AFFIRM WE ARE A MEMBER-OWNED, MEMBER-DRIVEN, NOT-FOR-PROFIT FINANCIAL ORGANIZATION.
IRS990/ActivityOther/Description0THE CREDIT UNION IS PART OF THE VITA PROGRAM. WE ALLOW VITA VOLUNTEERS TO USE OUR OFFICE SPACE TO PREPARE TAX REUTRNS FOR INDIVIDUALS WHO QUALIFY FOR THE VITA PROGRMA.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0ESCROW LIABILITY ARRANGEMENT EXPLANATION
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IRS990ScheduleO/GeneralExplanation/Explanation0METRO CREDIT UNION IS DEDICATED AND FOCUSED ON MEETING THE COMMUNITIES' EVOLVING FINANCIAL NEEDS WHILE MAINTAINING OUR FINANCIAL STABILITY. WE AFFIRM WE ARE A MEMBER-OWNED, MEMBER-DRIVEN, NOT-FOR-PROFIT FINANCIAL ORGANIZATION.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS PART OF THE VITA PROGRAM. WE ALLOW VITA VOLUNTEERS TO USE OUR OFFICE SPACE TO PREPARE TAX REUTRNS FOR INDIVIDUALS WHO QUALIFY FOR THE VITA PROGRMA.
IRS990ScheduleO/GeneralExplanation/Explanation2CATHERINE BEEBE FRANCES JAMES BOARD SECTRY PRESIDENT SISTERS
IRS990ScheduleO/GeneralExplanation/Explanation3THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation5A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation6MANAGEMENT PROVIDES THE NECESSARY DOCUMENTATION TO THE INDEPENDENT CPA WHO PREPARES THE RETURN. WHEN THE RETURN IS COMPLETED BY THE CPA, MANAGEMENT REVIEWS IT, AND THEN AUTHORIZES THE CPA TO FILE THE RETURN.
IRS990ScheduleO/GeneralExplanation/Explanation7EACH EMPLOYEE ANNUALLY COMPLETES AND SIGNS A CONFLICT OF INTEREST STATEMENT AND IS REQUIRED TO DISCLOSE ANY SUCH CONFLICTS.
IRS990ScheduleO/GeneralExplanation/Explanation8WE OBTAIN COMPARABILITY DATA FROM THE WI CULEAGUE COMPENSATION SURVEYS, CEO COMPENSATION IS REVIEWED AND APPROVED BY BOARD COMMITTEE. OFFICER DATA IS SUBMITTED TO THE BOARD AS PART OF BUDGETING REVIEW AND APPROVAL PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation9WE OBTAIN COMPARABILITY DATA FROM THE WI CULEAGUE COMPENSATION SURVEYS, CEO COMPENSATION IS REVIEWED AND APPROVED BY BOARD COMMITTEE. OFFICER DATA IS SUBMITTED TO THE BOARD AS PART OF BUDGETING REVIEW AND APPROVAL PROCESS.
IRS990ScheduleO/GeneralExplanation/Explanation10FINANCIAL STATEMENTS VAILABLE AT ANNUAL MEETING. BYLAWS ARE AVAILABLE FOR REVIEW ON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation11CHANGE IN UNREALIZED GAIN/LOS ON AFS.
IRS990ScheduleO/GeneralExplanation/Identifier0ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/Identifier1ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier2RELATED PARTY INFORMATION AMONG OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier3CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier4ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier5DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier6ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier7ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier8COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier9COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier10GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier11OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference9FORM 990, PAGE 6, PART VI, LINE 15B
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
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ReturnHeader/Filer/Name/BusinessNameLine10METRO CREDIT UNION
ReturnHeader/Filer/NameControl0METR
ReturnHeader/Filer/Phone07153920300
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 637
ReturnHeader/Filer/USAddress/City0SUPERIOR
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054880
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02012-04-30
ReturnHeader/Officer/Name0FRANCES JAMES
ReturnHeader/Officer/Phone07153920300
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02012-04-30
ReturnHeader/Preparer/Name0BRENT WOOKEY CPA
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-04-30T16:59:17-05:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$30,377,125
Liabilities
$27,359,256
Net assets
$3,017,869
Revenue
-
Expenses
$1,662,197
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.84
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.4$27.4$3.02$1.66
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.8$27.7$3.11$2.19