Civic Intelligence

Metropolitan Services Credit Union

990 • Fiscal year 2022 • EIN 41-0521995

Jan 01, 2022 to Dec 31, 2022 • Filed on Mar 07, 2023

Organization ProfileWWW.MYMSCU.ORG

View Organization Page

475 Etna Street Suite 10Saint Paul, MN 55106

(651) 602-8105

Siviq Scores

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

Liabilities / Assets

99th percentile

0.99x

Higher debt load relative to assets than 99% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

60th percentile

24.32x

Higher debt load relative to revenue than 60% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

56th percentile

12%

Higher net margin than 56% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

51st percentile

$75,178

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 17.4% of source-year revenue.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Asset Growth

10th percentile

-6.1%

Faster asset growth than 10% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

38th percentile

3.1%

Faster revenue growth than 38% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$10,684,515

Down $690,124 (-6.1%) from 2021

Net Assets

Down

$146,313

Down $799,827 (-85%) from 2021

Liabilities

Up

$10,538,202

Up $109,703 (+1.1%) from 2021

Revenue And Expenses
Liabilities / Revenue60th percentileNet Margin56th percentile

Revenue

Up

$433,297

Up $13,122 (+3.1%) from 2021

Expenses

Up

$381,734

Up $42,785 (+13%) from 2021

Net Income

Down

$51,563

Down $29,663 (-37%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$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

2022

Assets$10,684,515
Liabilities$10,538,202
Net Assets$146,313
Open 2022 Filing

Operations Trend

Revenue Growth38th percentile

Revenue, expenses, and net income across loaded years, with this 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

2022

Revenue$433,297
Expenses$381,734
Net Income$51,563
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Mar 7, 2023
Return Version
2022v4.0
Gross Receipts
$433,297
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$5,387,462$5,778,747▲ $391,285
Investments Other Securities$5,029,647$4,371,470▼ $658,177
Savings and Temporary Cash Investments$755,012$446,326▼ $308,686
Rtn Earn Endowment Incm Other Fnds$883,507$146,313▼ $737,194
Prepaid Expenses and Deferred Charges$64,836$45,244▼ $19,592
Cash and Non-Interest-Bearing Accounts$69,367$42,368▼ $26,999
Inventories for Sale or Use$1,158$360▼ $798
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$11,307,482$10,684,515▼ $622,967
Liabilities
Accounts Payable and Accrued Expenses$10,411,355$10,538,202▲ $126,847
Other Liabilities$12,620--
Total Liabilities$10,423,975$10,538,202▲ $114,227
Net Assets / Fund Balance
Total Net Assets Fund Balance$883,507$146,313▼ $737,194
Total Liabilities and Net Assets / Fund Balance$11,307,482$10,684,515▼ $622,967

Asset Categories

AssetBook ValueDepreciationBasis
Financial Derivatives$4,371,470--
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Crystal RylickiPresidentFT$75,178$75,178

Board Members and Trustees

NameTitle
Arthur DohertyDirector
Carole CrandallDirector
Roger TatgeDirector
Wayne AndersonDirector
David QuastSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$332,617
Investment Income
$87,001
Other Revenue
$13,679
Change in Net Assets
$51,563
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$189,880
Other Expenses$174,719
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$87,728-$87,728
Current Officers, Directors, Trustees, and Key Employees-$75,178-$75,178
Office Expenses-$41,057-$41,057
Information Technology-$39,659-$39,659
Other Expenses$0$33,200$0$33,200
Occupancy-$30,944-$30,944
Benefits to Members$17,135--$17,135
Payroll Taxes-$12,968-$12,968
All Other Expenses-$12,967-$12,967
Insurance-$8,152-$8,152
Other Employee Benefits-$7,974-$7,974
Conferences and Meetings-$6,440-$6,440
Pension Plan Contributions-$6,032-$6,032
Fees for Services Accounting-$4,200-$4,200
Depreciation Depletion-$2,659-$2,659
Advertising-$495-$495
Total Functional Expenses$17,135$364,599$0$381,734
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
No
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 State of Condition report to ensure that all of the figures are correct.”

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 alos 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
2023-03-07

Organization Details

Principal Officer
Crystal Rylicki
Formed
1939
Legal Domicile
Mn
Voting Board Members
0
Independent Board Members
0
Employees
0
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 states are on display in the credit union lobby and also available upon request. The credit union does not have a conflict of interest policy.”

Financial Statement Notes

Schedule D, Part I, Line 1

“Credit Union providing non-profit financial services to the membership”

Raw XML Appendix381 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/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/BOYAmt0883507
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0146313
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0755012
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0446326
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt04371470
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0F
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Credit Union providing non-profit financial services to the membership
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part I, Line 1
IRS990ScheduleD/TotalBookValueSecuritiesAmt04371470
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 State of Condition report to ensure that all of the figures are correct.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Governing documents are available upon request. Financial statements are on display in the credit union lobby and alos available upon request. The credit union does not have a conflict of interest policy.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All other expenses.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents are available upon request. Financial states 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/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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 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/TotalAssetsBOYAmt011307482
IRS990/TotalAssetsEOYAmt010684515
IRS990/TotalAssetsGrp/BOYAmt011307482
IRS990/TotalAssetsGrp/EOYAmt010684515
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0364599
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt017135
IRS990/TotalFunctionalExpensesGrp/TotalAmt0381734
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010423975
IRS990/TotalLiabilitiesEOYAmt010538202
IRS990/TotalLiabilitiesGrp/BOYAmt010423975
IRS990/TotalLiabilitiesGrp/EOYAmt010538202
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0883507
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0146313
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt017135
IRS990/TotalProgramServiceRevenueAmt0332617
IRS990/TotalReportableCompFromOrgAmt075178
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0433297
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0433297
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011307482
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt010684515
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/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/ProfilePasswordChangeInd0X
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Crystal Rylicki
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06516028890
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-03-07
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/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02023-03-10T13:32:46-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$10,684,515
Liabilities
$10,538,202
Net assets
$146,313
Revenue
$433,297
Expenses
$381,734
Net income
$51,563
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2022 filings • 501(c)14 • $10M-$25M nonprofits