Civic Intelligence

Mower County Employees Credit Union

EIN 41-0856202 • 501(c)14 • Austin, MN

Profile

Provides deposit and loan services to members encouraging thrift and self reliance among the membership. Creates a source of credit at fair & reasonable rates of interest to improve social conditions.

900 18th Ave NWAustin, MN 55912

www.mowercountyecu.org

Siviq Scores

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

Liabilities / Assets

100th percentile

1.00x

Higher debt load relative to assets than 100% of similar nonprofits.

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

Liabilities / Revenue

55th percentile

16.49x

Higher debt load relative to revenue than 55% of similar nonprofits.

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

Net Margin

41st percentile

3.7%

Higher net margin than 41% of similar nonprofits.

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

Top Officer Pay

54th percentile

$85,000

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

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

Asset Growth

93rd percentile

11%

Faster asset growth than 93% of similar nonprofits.

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

Revenue Growth

75th percentile

14%

Faster revenue growth than 75% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets100th percentile

Assets

Up

$13,415,686

Up $1,360,842 (+11%) from 2024

Liabilities

Up

$13,415,686

Up $1,360,842 (+11%) from 2024

Net Assets

Flat

$0

Flat from 2024

Operations
Liabilities / Revenue55th percentileNet Margin41st percentile

Revenue

Up

$813,325

Up $101,294 (+14%) from 2024

Expenses

Up

$783,546

Up $101,568 (+15%) from 2024

Net Income

Down

$29,779

Down $274 (-0.9%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth93rd percentile

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

$15M$10M$5.0M$0Assets 2011: $4,744,979Liabilities 2011: $3,667,169Net Assets 2011: $1,077,8102011Assets 2012: $5,074,194Liabilities 2012: $3,975,700Net Assets 2012: $1,098,4942012Assets 2013: $5,129,381Liabilities 2013: $4,011,015Net Assets 2013: $1,118,3662013Assets 2014: $5,019,218Liabilities 2014: $3,877,360Net Assets 2014: $1,141,8572014Assets 2015: $5,169,274Liabilities 2015: $4,015,311Net Assets 2015: $1,153,9622015Assets 2016: $5,441,580Liabilities 2016: $4,251,413Net Assets 2016: $1,190,1662016Assets 2017: $5,730,597Liabilities 2017: $4,555,563Net Assets 2017: $1,175,0332017Assets 2018: $5,794,370Liabilities 2018: $4,609,671Net Assets 2018: $1,184,6982018Assets 2020: $11,586,308Liabilities 2020: $10,249,612Net Assets 2020: $1,336,6962020Assets 2021: $11,661,894Liabilities 2021: $11,661,894Net Assets 2021: $02021Assets 2022: $12,541,214Liabilities 2022: $12,541,214Net Assets 2022: $02022Assets 2023: $11,885,178Liabilities 2023: $11,885,178Net Assets 2023: $02023Assets 2024: $12,054,844Liabilities 2024: $12,054,844Net Assets 2024: $02024Assets 2025: $13,415,686Liabilities 2025: $13,415,686Net Assets 2025: $02025

Highlighted filing

2025

Assets$13,415,686
Liabilities$13,415,686
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue Growth75th percentile

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

$1.0M$500K$0-$500KRevenue 2011: $184,006Expenses 2011: $164,529Net Income 2011: $19,4772011Revenue 2012: $169,772Expenses 2012: $149,088Net Income 2012: $20,6842012Revenue 2013: $168,601Expenses 2013: $148,728Net Income 2013: $19,8732013Revenue 2014: $174,054Expenses 2014: $150,563Net Income 2014: $23,4912014Revenue 2015: $186,596Expenses 2015: $174,491Net Income 2015: $12,1052015Revenue 2016: $215,754Expenses 2016: $179,549Net Income 2016: $36,2052016Revenue 2017: $235,754Expenses 2017: $250,887Net Income 2017: -$15,1332017Revenue 2018: $250,554Expenses 2018: $240,889Net Income 2018: $9,6652018Revenue 2020: $470,467Expenses 2020: $349,045Net Income 2020: $121,4222020Revenue 2021: $593,827Expenses 2021: $407,613Net Income 2021: $186,2142021Revenue 2022: $574,840Expenses 2022: $487,252Net Income 2022: $87,5882022Revenue 2023: $617,314Expenses 2023: $549,832Net Income 2023: $67,4822023Revenue 2024: $712,031Expenses 2024: $681,978Net Income 2024: $30,0532024Revenue 2025: $813,325Expenses 2025: $783,546Net Income 2025: $29,7792025

Highlighted filing

2025

Revenue$813,325
Expenses$783,546
Net Income$29,779
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$13,415,686
Liabilities
$13,415,686
Net assets
$0
Revenue
$813,325
Expenses
$783,546
Net income
$29,779
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$13.4$13.4$0.00$0.81$0.78$0.03
2024Detailed filing. Detailed filing data is available for this year.$12.1$12.1$0.00$0.71$0.68$0.03
2023Detailed filing. Detailed filing data is available for this year.$11.9$11.9$0.00$0.62$0.55$0.07
2022Detailed filing. Detailed filing data is available for this year.$12.5$12.5$0.00$0.57$0.49$0.09
2021Detailed filing. Detailed filing data is available for this year.$11.7$11.7$0.00$0.59$0.41$0.19
2020Detailed filing. Detailed filing data is available for this year.$11.6$10.2$1.34$0.47$0.35$0.12
2018Summary only. Only limited summary data is available for this year.$5.79$4.61$1.18$0.25$0.24$0.01
2017Summary only. Only limited summary data is available for this year.$5.73$4.56$1.18$0.24$0.25$0.02
2016Summary only. Only limited summary data is available for this year.$5.44$4.25$1.19$0.22$0.18$0.04
2015Summary only. Only limited summary data is available for this year.$5.17$4.02$1.15$0.19$0.17$0.01
2014Summary only. Only limited summary data is available for this year.$5.02$3.88$1.14$0.17$0.15$0.02
2013Summary only. Only limited summary data is available for this year.$5.13$4.01$1.12$0.17$0.15$0.02
2012Summary only. Only limited summary data is available for this year.$5.07$3.98$1.10$0.17$0.15$0.02
2011Summary only. Only limited summary data is available for this year.$4.74$3.67$1.08$0.18$0.16$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 23, 2026
Return Version
2025v4.0
Gross Receipts
$816,929
Mission and Program Overview

Mission

Provides deposit and loan services to members encouraging thrift and self reliance among the membership. Creates a source of credit at fair & reasonable rates of interest to improve social conditions.

Encourages thrift among members improving social conditions Offering low rate loans share savings drafts and certificates of deposit

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,378,431$12,447,959▲ $2,069,528
Savings and Temporary Cash Investments$1,231,930$407,136▼ $824,794
Land, Buildings, and Equipment, Net$210,106$223,542▲ $13,436
Prepaid Expenses and Deferred Charges$49,471$122,823▲ $73,352
Cash and Non-Interest-Bearing Accounts$38,119$69,155▲ $31,036
Total Assets$12,054,844$13,415,686▲ $1,360,842
Other Assets Total$146,787$145,071▼ $1,716
Liabilities
Other Liabilities$11,838,872$13,167,505▲ $1,328,633
Mortgage Notes Payable Secured by Investment Property$200,000$223,221▲ $23,221
Accounts Payable and Accrued Expenses$15,972$24,960▲ $8,988
Total Liabilities$12,054,844$13,415,686▲ $1,360,842
Net Assets / Fund Balance
Total Net Assets Fund Balance$0$0→ $0
Total Liabilities and Net Assets / Fund Balance$12,054,844$13,415,686▲ $1,360,842

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$60,850$35,150-
Other Land Buildings$7,453$41,197-
Land$135,000--
Equipment$20,239$15,620-
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephanie RilesPresidentCEOFT$85,000$85,000

Board Members and Trustees

NameTitle
Duane FeltBoard President
Mark MayBoard Vice President
Duane StanleyBoard Member
Jane BauBoard Member
Chris EastvoldBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$801,366
Investment Income
$11,959
Other Revenue
$0
Change in Net Assets
$29,779
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$595,969
Salaries, Compensation, and Employee Benefits$187,577
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$278,468
Office Expenses---$241,676
Current Officers, Directors, Trustees, and Key Employees---$85,000
Other Salaries and Wages---$77,360
Occupancy---$34,144
Payroll Taxes---$15,760
Advertising---$9,611
Other Employee Benefits---$9,457
Depreciation Depletion---$8,240
Information Technology---$6,293
Other Expenses---$5,184
Travel---$1,320
Total Functional Expenses$0$0$0$783,546
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$8,296,691
Nonmember Shares$3,133,000
Undivided Earnings$1,562,955
Regular Reserves$174,859
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Members”

Part VI Line 7A

“Members elect governing body at annual meeting”

Part VI Line 7B

“Members must approve by-law or charter changes”

Part VI Line 11B

“All public documentation is available upon request”

Part VI Line 12C

“Conflict of Interest policy is part of the Code of Ethics”

Part VI Line 12C

“Training provided to all board members at least annually”

Part VI Line 15A or B

“Personnel Committee, elected by Board, meets with management to review”

Part VI Line 15A or B

“compensation. Committee makes recommendation to Board annually”

Part VI Line 19

“All public documentation is available upon request”

Filing and Contact Details

Filer

Filer Name
Mower County Employees Credit Union
EIN
41-0856202
In Care Of
% Stephanie Riles
Phone
5074376360
Address
900 18th Ave NW, Austin, MN 55912

Signing Officer

Name
Stephanie Riles
Title
PresidentCEO
Phone
5074376360
Signed
2026-03-23

Organization Details

Formed
1961
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
7
Volunteers
11
Raw XML Appendix335 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/DepreciationAmt015620
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt035859
IRS990ScheduleD/LandGrp/BookValueAmt0135000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0135000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt07453
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt041197
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt048650
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt08296691
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13133000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2174859
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31562955
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Nonmember Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Regular Reserves
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Undivided Earnings
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0223542
IRS990ScheduleD/TotalLiabilityAmt013167505
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect governing body at annual meeting
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Members must approve by-law or charter changes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3All public documentation is available upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Conflict of Interest policy is part of the Code of Ethics
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Training provided to all board members at least annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Personnel Committee, elected by Board, meets with management to review
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7compensation. Committee makes recommendation to Board annually
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8All public documentation is available upon request
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012054844
IRS990/TotalAssetsEOYAmt013415686
IRS990/TotalAssetsGrp/BOYAmt012054844
IRS990/TotalAssetsGrp/EOYAmt013415686
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0783546
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt012054844
IRS990/TotalLiabilitiesEOYAmt013415686
IRS990/TotalLiabilitiesGrp/BOYAmt012054844
IRS990/TotalLiabilitiesGrp/EOYAmt013415686
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0405081
IRS990/TotalProgramServiceRevenueAmt0801366
IRS990/TotalReportableCompFromOrgAmt085000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0816929
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0813325
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt012054844
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013415686
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01320
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0900 18th Ave NW
IRS990/USAddress/CityNm0Austin
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055912
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.mowercountyecu.org
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHANIE RILES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PresidentCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05074376360
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Mower County Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MOWE
ReturnHeader/Filer/EIN0410856202
ReturnHeader/Filer/InCareOfNm0% Stephanie Riles
ReturnHeader/Filer/PhoneNum05074376360
ReturnHeader/Filer/USAddress/AddressLine1Txt0900 18th Ave NW
ReturnHeader/Filer/USAddress/CityNm0Austin
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055912
ReturnHeader/ReturnTs02026-03-23T16:06:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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