Civic Intelligence

Members First Credit Union

990 • Fiscal year 2021 • EIN 39-1019822

Jan 01, 2021 to Dec 31, 2021 • Filed on May 05, 2022

Organization ProfileMBR1CU.ORG

View Organization Page

3401 W Beltline HwyMadison, WI 53713

(608) 271-5301

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.87x

Higher debt load relative to assets than 33% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Liabilities / Revenue

12th percentile

14.14x

Higher debt load relative to revenue than 12% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Net Margin

73rd percentile

17%

Higher net margin than 73% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Top Officer Pay

64th percentile

$115,472

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 6.7% of source-year revenue.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2021

Asset Growth

12th percentile

1.8%

Faster asset growth than 12% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Revenue Growth

55th percentile

-1.5%

Faster revenue growth than 55% of similar nonprofits.

2021 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$28,308,291

Up $506,450 (+1.8%) from 2020

Net Assets

Up

$3,779,360

Up $290,247 (+8.3%) from 2020

Liabilities

Up

$24,528,931

Up $216,203 (+0.9%) from 2020

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin73rd percentile

Revenue

Down

$1,734,201

Down $27,161 (-1.5%) from 2020

Expenses

Down

$1,443,954

Down $145,321 (-9.1%) from 2020

Net Income

Up

$290,247

Up $118,160 (+69%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth12th percentile

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

$30M$20M$10M$0Assets 2010: $17,174,593Liabilities 2010: $15,366,877Net Assets 2010: $1,807,7162010Assets 2011: $17,730,449Liabilities 2011: $15,897,857Net Assets 2011: $1,832,5922011Assets 2012: $18,174,286Liabilities 2012: $16,302,450Net Assets 2012: $1,871,8362012Assets 2013: $19,025,298Liabilities 2013: $16,998,525Net Assets 2013: $2,026,7732013Assets 2014: $19,707,142Liabilities 2014: $17,415,637Net Assets 2014: $2,291,5052014Assets 2015: $21,010,715Liabilities 2015: $18,512,681Net Assets 2015: $2,498,0342015Assets 2016: $21,972,924Liabilities 2016: $19,253,090Net Assets 2016: $2,719,8342016Assets 2017: $22,237,845Liabilities 2017: $19,290,322Net Assets 2017: $2,947,5232017Assets 2018: $25,484,859Liabilities 2018: $22,335,896Net Assets 2018: $3,148,9632018Assets 2019: $25,030,868Liabilities 2019: $21,713,842Net Assets 2019: $3,317,0262019Assets 2020: $27,801,841Liabilities 2020: $24,312,728Net Assets 2020: $3,489,1132020Assets 2021: $28,308,291Liabilities 2021: $24,528,931Net Assets 2021: $3,779,3602021Assets 2022: $28,005,851Liabilities 2022: $24,099,039Net Assets 2022: $3,906,8122022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2021

Assets$28,308,291
Liabilities$24,528,931
Net Assets$3,779,360
Open 2021 Filing

Operations Trend

Revenue Growth55th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,415,0962010Expenses 2011: $1,413,3222011Expenses 2012: $1,393,7462012Revenue 2013: $1,365,516Expenses 2013: $1,210,578Net Income 2013: $154,9382013Revenue 2014: $1,344,093Expenses 2014: $1,079,361Net Income 2014: $264,7322014Revenue 2015: $1,352,321Expenses 2015: $1,145,792Net Income 2015: $206,5292015Revenue 2016: $1,454,375Expenses 2016: $1,232,574Net Income 2016: $221,8012016Revenue 2017: $1,530,545Expenses 2017: $1,302,856Net Income 2017: $227,6892017Revenue 2018: $1,666,453Expenses 2018: $1,465,013Net Income 2018: $201,4402018Revenue 2019: $1,780,775Expenses 2019: $1,612,712Net Income 2019: $168,0632019Revenue 2020: $1,761,362Expenses 2020: $1,589,275Net Income 2020: $172,0872020Revenue 2021: $1,734,201Expenses 2021: $1,443,954Net Income 2021: $290,2472021Revenue 2022: $1,767,314Expenses 2022: $1,639,849Net Income 2022: $127,4652022Revenue 2023: $1,817,508Expenses 2023: $1,743,920Net Income 2023: $73,5882023

Highlighted filing

2021

Revenue$1,734,201
Expenses$1,443,954
Net Income$290,247
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
May 5, 2022
Return Version
2021v4.0
Gross Receipts
$1,779,951
Mission and Program Overview

Mission

To encourage thrift among our members, to create a source of credit at a fair and reasonable cost, and to provide an opportunity for each of our members to improve their respective economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,229,064$20,643,012▲ $413,948
Savings and Temporary Cash Investments$5,107,514$5,181,260▲ $73,746
Rtn Earn Endowment Incm Other Fnds$3,489,113$3,779,360▲ $290,247
Land, Buildings, and Equipment, Net$941,198$950,501▲ $9,303
Receivables From Officers Etc$576,000$648,000▲ $72,000
Cash and Non-Interest-Bearing Accounts$417,511$330,351▼ $87,160
Investments Program Related$191,336$208,714▲ $17,378
Prepaid Expenses and Deferred Charges$72,465$78,940▲ $6,475
Total Assets$27,801,841$28,308,291▲ $506,450
Other Assets Total$266,753$267,513▲ $760
Liabilities
Other Liabilities$23,822,135$24,327,645▲ $505,510
Accounts Payable and Accrued Expenses$490,593$201,286▼ $289,307
Total Liabilities$24,312,728$24,528,931▲ $216,203
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,489,113$3,779,360▲ $290,247
Total Liabilities and Net Assets / Fund Balance$27,801,841$28,308,291▲ $506,450

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$448,975$217,572$666,547
Equipment$81,526$400,551$482,077
Land$420,000-$420,000
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer KutzPresidentFT$102,872$12,600$115,472

Board Members and Trustees

NameTitle
Ron KlugeChairman
Dennis BaribeauVice Chair
Dennis NiebuhrDirector
Gerald RingDirector
Josh KlugeDirector
Dorothy SteffensSecretary
Sue PowersTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Bradford-scott CorpCore System9465 COULSELORS ROW STE 200, Indianapolis, IN 46240$104,621
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,720,000
Investment Income
$9,108
Other Revenue
$5,093
Change in Net Assets
$290,247
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$864,229
Salaries, Compensation, and Employee Benefits$579,725
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$352,871
Office Expenses---$239,871
Information Technology---$183,969
Current Officers, Directors, Trustees, and Key Employees---$102,872
Fees for Services Other---$97,871
Other Employee Benefits---$72,524
Occupancy---$63,586
Depreciation Depletion---$56,114
Advertising---$40,478
Payroll Taxes---$33,122
Other Expenses---$26,375
Insurance---$21,393
Pension Plan Contributions---$18,336
Total Functional Expenses$0$0$0$1,443,954
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$576,000$648,000▲ $72,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$24,327,645
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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 2

“Ron kluge josh kluge board chair director family relationship”

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A 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.”

Form 990, Page 6, Part VI, Line 11B

“Management provides necessary data to independent preparer who completes the return. Management reviews the return for accuracy, and then authorizes the preparer to e-file approved return. Management reviews the return with the directors at their next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“Policy is reviewed annually by the directors. Policy is reviewed and signed annually by the staff. Any potential conflicts would be discussed by the board.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors determines the president's compensation. They utilize salary surveys as part of the process. Approval is documented by the board chair and placed in president's personnel file.”

Form 990, Page 6, Part VI, Line 19

“Governing documents, conflict of interest policy, and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Members First Credit Union
EIN
39-1019822
Phone
6082715301
Address
3401 W BELTLINE HWY, MADISON, WI 53713

Signing Officer

Name
Jennifer Kutz
Title
President
Phone
6082715301
Signed
2022-05-05
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Kutz
Formed
1955
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
8

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML AppendixShowing 400 of 441 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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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0400551
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0420000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt024327645
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
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IRS990ScheduleD/TotalLiabilityAmt024327645
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8SPLIT DOLLAR LIFE INSUR EXEC BENEFT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt072000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt172000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt272000
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt572000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt672000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt772000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt872000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7NICHOLAS KESSENICH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8NICHOLAS KESSENICH
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8FORMER PRESIDENT
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IRS990ScheduleL/TotalBalanceDueAmt0648000
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RON KLUGE JOSH KLUGE BOARD CHAIR DIRECTOR FAMILY RELATIONSHIP
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/SupplementalInformationDetail/ExplanationTxt4MANAGEMENT PROVIDES NECESSARY DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES THE PREPARER TO E-FILE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POLICY IS REVIEWED ANNUALLY BY THE DIRECTORS. POLICY IS REVIEWED AND SIGNED ANNUALLY BY THE STAFF. ANY POTENTIAL CONFLICTS WOULD BE DISCUSSED BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS DETERMINES THE PRESIDENT'S COMPENSATION. THEY UTILIZE SALARY SURVEYS AS PART OF THE PROCESS. APPROVAL IS DOCUMENTED BY THE BOARD CHAIR AND PLACED IN PRESIDENT'S PERSONNEL FILE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt05586
IRS990/TotalLiabilitiesBOYAmt024312728
IRS990/TotalLiabilitiesEOYAmt024528931
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IRS990/TotalProgramServiceRevenueAmt01720000
IRS990/TotalReportableCompFromOrgAmt0102872
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01734201
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05586
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt027801841
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028308291
IRS990/TypeOfOrganizationCorpInd0X

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,308,291
Liabilities
$24,528,931
Net assets
$3,779,360
Revenue
$1,734,201
Expenses
$1,443,954
Net income
$290,247
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$1.82$1.74$0.07
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.0$24.1$3.91$1.77$1.64$0.13
2021Detailed filing. Detailed filing data is available for this year.$28.3$24.5$3.78$1.73$1.44$0.29
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.8$24.3$3.49$1.76$1.59$0.17
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.0$21.7$3.32$1.78$1.61$0.17
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.5$22.3$3.15$1.67$1.47$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.2$19.3$2.95$1.53$1.30$0.23
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.0$19.3$2.72$1.45$1.23$0.22
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.0$18.5$2.50$1.35$1.15$0.21
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.7$17.4$2.29$1.34$1.08$0.26
2013Detailed filing. Detailed filing data is available for this year.$19.0$17.0$2.03$1.37$1.21$0.15
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.2$16.3$1.87$1.39
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.7$15.9$1.83$1.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.2$15.4$1.81$1.42