Civic Intelligence

Metropolitan Services Credit Union

EIN 41-0521995 • 501(c)14 • Saint Paul, MN

View Organization Page

Profile

Provide financial services to members of the credit union.

475 Etna Street Suite 10Saint Paul, MN 55106

www.mymscu.org

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

57th percentile

16.82x

Higher debt load relative to revenue than 57% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

81st percentile

21%

Higher net margin than 81% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

63rd percentile

$93,047

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 14.3% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

63rd percentile

1.7%

Faster asset growth than 63% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

69th percentile

12%

Faster revenue growth than 69% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$11,765,765

Up $197,621 (+1.7%) from 2024

Liabilities

Up

$10,974,427

Up $1,327 (+0.0%) from 2024

Net Assets

Up

$791,338

Up $196,294 (+33%) from 2024

Operations
Liabilities / Revenue57th percentileNet Margin81st percentile

Revenue

Up

$652,578

Up $68,882 (+12%) from 2024

Expenses

Down

$512,407

Down $29,436 (-5.4%) from 2024

Net Income

Up

$140,171

Up $98,318 (+235%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth63rd percentile

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

$15M$10M$5.0M$0Assets 2011: $6,848,467Liabilities 2011: $6,359,870Net Assets 2011: $488,5972011Assets 2012: $6,891,265Liabilities 2012: $6,312,349Net Assets 2012: $578,9162012Assets 2013: $7,366,340Liabilities 2013: $6,726,888Net Assets 2013: $639,4532013Assets 2014: $7,517,928Liabilities 2014: $6,828,654Net Assets 2014: $689,2742014Assets 2015: $8,262,524Liabilities 2015: $7,572,299Net Assets 2015: $690,2252015Assets 2016: $8,910,313Liabilities 2016: $8,136,002Net Assets 2016: $774,3112016Assets 2017: $9,662,713Liabilities 2017: $8,823,984Net Assets 2017: $838,7292017Assets 2018: $10,565,248Liabilities 2018: $9,720,594Net Assets 2018: $844,6542018Assets 2020: $10,601,945Liabilities 2020: $9,661,439Net Assets 2020: $940,5062020Assets 2021: $11,374,639Liabilities 2021: $10,428,499Net Assets 2021: $946,1402021Assets 2022: $10,684,515Liabilities 2022: $10,538,202Net Assets 2022: $146,3132022Assets 2023: $11,939,728Liabilities 2023: $11,641,837Net Assets 2023: $297,8912023Assets 2024: $11,568,144Liabilities 2024: $10,973,100Net Assets 2024: $595,0442024Assets 2025: $11,765,765Liabilities 2025: $10,974,427Net Assets 2025: $791,3382025

Highlighted filing

2025

Assets$11,765,765
Liabilities$10,974,427
Net Assets$791,338
Open 2025 Filing

Operations Trend

Revenue Growth69th percentile

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

$800K$600K$400K$200K$0-$200KRevenue 2011: $364,178Expenses 2011: $480,570Net Income 2011: -$116,3922011Revenue 2012: $363,741Expenses 2012: $320,489Net Income 2012: $43,2522012Revenue 2013: $348,615Expenses 2013: $269,628Net Income 2013: $78,9872013Revenue 2014: $386,614Expenses 2014: $349,333Net Income 2014: $37,2812014Revenue 2015: $390,800Expenses 2015: $351,943Net Income 2015: $38,8572015Revenue 2016: $419,962Expenses 2016: $350,548Net Income 2016: $69,4142016Revenue 2017: $422,221Expenses 2017: $394,304Net Income 2017: $27,9172017Revenue 2018: $453,898Expenses 2018: $418,822Net Income 2018: $35,0762018Revenue 2020: $420,982Expenses 2020: $399,424Net Income 2020: $21,5582020Revenue 2021: $420,175Expenses 2021: $338,949Net Income 2021: $81,2262021Revenue 2022: $433,297Expenses 2022: $381,734Net Income 2022: $51,5632022Revenue 2023: $480,209Expenses 2023: $433,962Net Income 2023: $46,2472023Revenue 2024: $583,696Expenses 2024: $541,843Net Income 2024: $41,8532024Revenue 2025: $652,578Expenses 2025: $512,407Net Income 2025: $140,1712025

Highlighted filing

2025

Revenue$652,578
Expenses$512,407
Net Income$140,171
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$11,765,765
Liabilities
$10,974,427
Net assets
$791,338
Revenue
$652,578
Expenses
$512,407
Net income
$140,171
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$11.8$11.0$0.79$0.65$0.51$0.14
2024Detailed filing. Detailed filing data is available for this year.$11.6$11.0$0.60$0.58$0.54$0.04
2023Detailed filing. Detailed filing data is available for this year.$11.9$11.6$0.30$0.48$0.43$0.05
2022Detailed filing. Detailed filing data is available for this year.$10.7$10.5$0.15$0.43$0.38$0.05
2021Detailed filing. Detailed filing data is available for this year.$11.4$10.4$0.95$0.42$0.34$0.08
2020Detailed filing. Detailed filing data is available for this year.$10.6$9.66$0.94$0.42$0.40$0.02
2018Summary only. Only limited summary data is available for this year.$10.6$9.72$0.84$0.45$0.42$0.04
2017Summary only. Only limited summary data is available for this year.$9.66$8.82$0.84$0.42$0.39$0.03
2016Summary only. Only limited summary data is available for this year.$8.91$8.14$0.77$0.42$0.35$0.07
2015Summary only. Only limited summary data is available for this year.$8.26$7.57$0.69$0.39$0.35$0.04
2014Summary only. Only limited summary data is available for this year.$7.52$6.83$0.69$0.39$0.35$0.04
2013Summary only. Only limited summary data is available for this year.$7.37$6.73$0.64$0.35$0.27$0.08
2012Summary only. Only limited summary data is available for this year.$6.89$6.31$0.58$0.36$0.32$0.04
2011Summary only. Only limited summary data is available for this year.$6.85$6.36$0.49$0.36$0.48$0.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 26, 2026
Return Version
2025v4.0
Gross Receipts
$652,578
Mission and Program Overview

Mission

Provide financial services to members of the credit union.

Credit Union providing non-profit financial services to the membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,228,492$6,759,958▲ $531,466
Investments Other Securities$4,394,058$3,908,428▼ $485,630
Savings and Temporary Cash Investments$828,368$967,875▲ $139,507
Rtn Earn Endowment Incm Other Fnds$595,044$791,338▲ $196,294
Prepaid Expenses and Deferred Charges$71,843$69,500▼ $2,343
Cash and Non-Interest-Bearing Accounts$44,789$59,890▲ $15,101
Inventories for Sale or Use$594$114▼ $480
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,568,144$11,765,765▲ $197,621
Liabilities
Accounts Payable and Accrued Expenses$10,973,100$10,974,427▲ $1,327
Total Liabilities$10,973,100$10,974,427▲ $1,327
Net Assets / Fund Balance
Total Net Assets Fund Balance$595,044$791,338▲ $196,294
Total Liabilities and Net Assets / Fund Balance$11,568,144$11,765,765▲ $197,621

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$3,908,428--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Crystal RylickiPresidentFT$93,047$93,047

Board Members and Trustees

NameTitle
Arthur DohertyDirector
Karen AguirreDirector
Roger TatgeDirector
Wayne AndersonDirector
David QuastSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$491,596
Investment Income
$111,907
Other Revenue
$49,075
Change in Net Assets
$140,171
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$277,043
Salaries, Compensation, and Employee Benefits$235,364
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$109,547
Current Officers, Directors, Trustees, and Key Employees---$93,047
Information Technology---$40,573
Advertising---$33,045
Occupancy---$27,209
Office Expenses---$26,694
Other Expenses---$25,581
Fees for Services Legal---$19,950
Payroll Taxes---$17,584
All Other Expenses---$14,141
Insurance---$10,535
Conferences and Meetings---$9,808
Pension Plan Contributions---$7,643
Other Employee Benefits---$7,543
Depreciation Depletion---$1,987
Total Functional Expenses$0$0$0$512,407
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
Yes
Backup withholding compliance
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“We have members of the Credit Union.”

Form 990, Part VI, Section A, Line 7A

“Our members vote for our board members.”

Form 990, Part VI, Section B, Line 11B

“We review form 990 with our statement of condition report to ensure that all of the figures are correct.”

Form 990, Part VI, Section C, Line 18

“We have them available on our website.”

Form 990, Part VI, Section C, Line 19

“Governing documents are available upon request. Financial statements are on display in the credit union lobby and also available upon request. The credit union does not have a conflict-of-interest policy.”

Filing and Contact Details

Filer

Filer Name
Metropolitan Services Credit Union
EIN
41-0521995
Phone
6516028105
Address
475 ETNA STREET SUITE 10, SAINT PAUL, MN 55106

Signing Officer

Name
Crystal Rylicki
Title
President/CEO
Phone
6516028890
Signed
2026-02-26

Organization Details

Principal Officer
Crystal Rylicki
Formed
1939
Legal Domicile
Mn
Voting Board Members
0
Independent Board Members
0
Employees
3
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“All other expenses.”

Form 990, Part XI, Line 9

“Governing documents are available upon request. Financial statements are on display in the cred union lobby and also available upon request. The credit union does not have a conflict-of-interest policy.”

Raw XML Appendix352 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/BackupWthldComplianceInd00
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IRS990/BooksInCareOfDetail/PhoneNum06516028890
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IRS990/CompensationFromOtherSrcsInd00
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IRS990/ConflictOfInterestPolicyInd00
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IRS990/DescribedInSection501c3Ind00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/PersonNm2David Quast
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IRS990/Form990PartVIISectionAGrp/PersonNm4Roger Tatge
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
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IRS990/ReconcilationRevenueExpnssAmt0140171
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0595044
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0791338
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0828368
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0967875
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03908428
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Certicates of Deposit
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueSecuritiesAmt03908428
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0We have members of the Credit Union.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Our members vote for our board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2We review form 990 with our statement of condition report to ensure that all of the figures are correct.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3We have them available on our website.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing documents are available upon request. Financial statements are on display in the credit union lobby and also available upon request. The credit union does not have a conflict-of-interest policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5All other expenses.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents are available upon request. Financial statements are on display in the cred union lobby and also available upon request. The credit union does not have a conflict-of-interest policy.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MN
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt011568144
IRS990/TotalAssetsEOYAmt011765765
IRS990/TotalAssetsGrp/BOYAmt011568144
IRS990/TotalAssetsGrp/EOYAmt011765765
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0512407
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010973100
IRS990/TotalLiabilitiesEOYAmt010974427
IRS990/TotalLiabilitiesGrp/BOYAmt010973100
IRS990/TotalLiabilitiesGrp/EOYAmt010974427
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0595044
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0791338
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0491596
IRS990/TotalReportableCompFromOrgAmt093047
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0652578
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0652578
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011568144
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt011765765
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt0475 Etna Street Suite 10
IRS990/USAddress/CityNm0Saint Paul
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055106
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.mymscu.org
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Crystal Rylicki
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06516028890
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0METROPOLITAN SERVICES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0METR
ReturnHeader/Filer/EIN0410521995
ReturnHeader/Filer/PhoneNum06516028105
ReturnHeader/Filer/USAddress/AddressLine1Txt0475 ETNA STREET SUITE 10
ReturnHeader/Filer/USAddress/CityNm0SAINT PAUL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055106
ReturnHeader/ReturnTs02026-02-26T15:35:31-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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