Civic Intelligence

Midland Credit Union

990 • Fiscal year 2020 • EIN 42-0816632

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 16, 2021

Organization ProfileWWW.MIDLANDCU.ORG

View Organization Page

2891 106th StreetUrbandale, IA 50322

(515) 278-1994

Siviq Scores

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

Liabilities / Assets

38th percentile

0.88x

Higher debt load relative to assets than 38% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

36th percentile

18.62x

Higher debt load relative to revenue than 36% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

31st percentile

4.9%

Higher net margin than 31% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

62nd percentile

$156,104

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 5.3% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

48th percentile

15%

Faster asset growth than 48% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

63rd percentile

-0.9%

Faster revenue growth than 63% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$62,441,065

Up $8,108,036 (+15%) from 2019

Net Assets

Up

$7,449,541

Up $144,138 (+2.0%) from 2019

Liabilities

Up

$54,991,524

Up $7,963,898 (+17%) from 2019

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin31st percentile

Revenue

Down

$2,953,085

Down $28,121 (-0.9%) from 2019

Expenses

Up

$2,808,947

Up $24,904 (+0.9%) from 2019

Net Income

Down

$144,138

Down $53,025 (-27%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$100M$50M$0Assets 2010: $34,908,231Liabilities 2010: $29,223,104Net Assets 2010: $5,685,1272010Assets 2012: $39,377,789Liabilities 2012: $33,548,607Net Assets 2012: $5,829,1822012Assets 2013: $41,720,304Liabilities 2013: $35,497,108Net Assets 2013: $6,223,1962013Assets 2014: $44,047,408Liabilities 2014: $37,677,903Net Assets 2014: $6,369,5052014Assets 2015: $47,403,096Liabilities 2015: $40,882,347Net Assets 2015: $6,520,7492015Assets 2016: $50,874,813Liabilities 2016: $44,177,117Net Assets 2016: $6,697,6962016Assets 2017: $52,229,958Liabilities 2017: $45,209,396Net Assets 2017: $7,020,5622017Assets 2018: $53,202,747Liabilities 2018: $46,073,297Net Assets 2018: $7,129,4502018Assets 2019: $54,333,029Liabilities 2019: $47,027,626Net Assets 2019: $7,305,4032019Assets 2020: $62,441,065Liabilities 2020: $54,991,524Net Assets 2020: $7,449,5412020Assets 2021: $71,007,624Liabilities 2021: $63,293,078Net Assets 2021: $7,714,5462021Assets 2022: $76,091,305Liabilities 2022: $68,317,220Net Assets 2022: $7,774,0852022Assets 2023: $80,969,879Liabilities 2023: $72,115,310Net Assets 2023: $8,854,5692023Assets 2024: $96,595,408Liabilities 2024: $86,062,055Net Assets 2024: $10,533,3532024

Highlighted filing

2020

Assets$62,441,065
Liabilities$54,991,524
Net Assets$7,449,541
Open 2020 Filing

Operations Trend

Revenue Growth63rd percentile

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,015,4252010Expenses 2012: $1,994,0982012Revenue 2013: $2,157,604Expenses 2013: $1,994,416Net Income 2013: $163,1882013Revenue 2014: $2,109,649Expenses 2014: $1,963,340Net Income 2014: $146,3092014Revenue 2015: $2,271,472Expenses 2015: $2,120,228Net Income 2015: $151,2442015Revenue 2016: $2,303,229Expenses 2016: $2,126,282Net Income 2016: $176,9472016Revenue 2017: $2,773,647Expenses 2017: $2,450,780Net Income 2017: $322,8672017Revenue 2018: $2,919,135Expenses 2018: $2,810,247Net Income 2018: $108,8882018Revenue 2019: $2,981,206Expenses 2019: $2,784,043Net Income 2019: $197,1632019Revenue 2020: $2,953,085Expenses 2020: $2,808,947Net Income 2020: $144,1382020Revenue 2021: $3,069,905Expenses 2021: $2,804,900Net Income 2021: $265,0052021Revenue 2022: $3,470,213Expenses 2022: $3,410,674Net Income 2022: $59,5392022Revenue 2023: $4,659,923Expenses 2023: $4,455,396Net Income 2023: $204,5272023Revenue 2024: $5,908,169Expenses 2024: $5,364,662Net Income 2024: $543,5072024

Highlighted filing

2020

Revenue$2,953,085
Expenses$2,808,947
Net Income$144,138
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 16, 2021
Return Version
2020v4.1
Gross Receipts
$2,954,085
Mission and Program Overview

Mission

People helping people; low cost loans, low cost shares and share drafts, certificates of deposit with rates above banks.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$34,378,891$39,962,375▲ $5,583,484
Savings and Temporary Cash Investments$6,039,768$11,823,723▲ $5,783,955
Investments Program Related$10,853,000$6,918,581▼ $3,934,419
Rtn Earn Endowment Incm Other Fnds$5,054,542$4,993,680▼ $60,862
Pd in Cap Srpls Land Bldg Eqp Fund$2,250,861$2,455,861▲ $205,000
Land, Buildings, and Equipment, Net$504,262$468,702▼ $35,560
Cash and Non-Interest-Bearing Accounts$317,023$397,425▲ $80,402
Prepaid Expenses and Deferred Charges$178,842$291,625▲ $112,783
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$54,333,029$62,441,065▲ $8,108,036
Other Assets Total$2,061,243$2,578,634▲ $517,391
Liabilities
Other Liabilities$46,687,625$54,469,973▲ $7,782,348
Accounts Payable and Accrued Expenses$340,001$521,551▲ $181,550
Total Liabilities$47,027,626$54,991,524▲ $7,963,898
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,305,403$7,449,541▲ $144,138
Total Liabilities and Net Assets / Fund Balance$54,333,029$62,441,065▲ $8,108,036

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$238,367$495,509$733,876
Equipment$74,742$376,303$451,045
Land$145,000-$145,000
Leasehold Improvements$10,593$115,045$125,638
Investment Program Related Org$6,068,581--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Holly LucaCEOFT$132,352$23,752$156,104
Mindy CooperCFOFT$99,973$20,765$120,738

Board Members and Trustees

NameTitle
Linda GastAudit Committee Chair
Frank WimlerChair
Steven CorreaCredit Committee Chair
Ryan BhattacharyyaVice Chairman
Dallas BuckBoard CFO
John ColbyDirector
Kim KnollDirector
Tiffany MenkeSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,653,758
Investment Income
$275,400
Other Revenue
$23,927
Change in Net Assets
$144,138

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,953,085
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,953,085
Total Revenue per Form 990
$2,953,085
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,693,243
Salaries, Compensation, and Employee Benefits$1,115,704
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$742,161--$742,161
Current Officers, Directors, Trustees, and Key Employees$276,842--$276,842
Interest$259,723--$259,723
Information Technology$234,177--$234,177
Office Expenses$219,152--$219,152
All Other Expenses$217,434--$217,434
Occupancy$161,639--$161,639
Advertising$141,718--$141,718
Other Employee Benefits$66,169--$66,169
Depreciation Depletion$63,084--$63,084
Other Expenses$50,917--$50,917
Pension Plan Contributions$30,532--$30,532
Conferences and Meetings$29,611--$29,611
Insurance$22,341--$22,341
Fees for Services Accounting$15,850--$15,850
Payments to Affiliates$10,329--$10,329
Fees for Services Legal$965--$965
Travel$658--$658
Total Functional Expenses$2,808,947$0$0$2,808,947

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,808,947
Total Expenses per Audited Statements$2,808,947
Total Expenses per Form 990$2,808,947
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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$54,469,973
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
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, Part VI, Section A, Line 6

“Midland credit union is supported by members.”

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

“The members of the organization have the right to vote for one or more members of the governing body at annual meetings.”

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

“Changes to the bylaws are at times approved by the members either at the annual meeting or special meetings held.”

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

“The ceo works closely with the auditors in providing the necessary financial information to prepare a financial audit. The tax return is based upon the audited financial statements. Upon completion of the 990 return the ceo will do a thorough review and sign.”

Form 990, Part VI, Section B, Line 15

“Midland credit union's compensation program consists of these steps: 1) an outside service provides the organization with survey that is used as a benchmark for their entire organization 2)compensation for ceo is approved by the board 3)compensation for the rest of the staff is set by the ceo within the board approved budget. Through the entire process there is contemporaneous substaniation of the deliberation and decision.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobbies. The organization's governing documents and conflict of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Midland Credit Union
EIN
42-0816632
Phone
5152781994
Address
2891 106TH STREET, URBANDALE, IA 50322

Signing Officer

Name
Holly Luca
Title
CEO
Phone
5152781994
Signed
2021-04-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Holly Luca
Formed
1933
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
21
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Dennis Gardiner CPA
Phone
5152701446
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C, EXPLANATION: AUDIT COMMITTEE

“Midland credit union has an audit committee that overseas the audit process and selection of its auditors. The audit committee will also review the issued audited financial statements with the auditor upon completion.”

Financial Statement Notes

PART X, LINE 2:

“In accordance with accounting for uncertainty in income taxes under the income taxes topic of the fasb asc the credit union recognizes any uncertain tax benefits if such benefits are a result of a tax position that is more likely than not sustainable upon examination by federal or state tax authorities. When an uncertain benefit is determined to be more likely than not sustained, the credit union values the position, for financial statement purposes, of the largest amount of the tax benefit that is more than 50% likely of being realized upon resolution of the benefit. For any tax positions taken that do not meet the more likely than not criteria, the credit union establishes a tax reserve for 100% of the position taken.”

Raw XML AppendixShowing 400 of 471 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/NetAssetsOrFundBalancesEOYAmt07449541
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt07682
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt07682
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0161639
IRS990/OccupancyGrp/TotalAmt0161639
IRS990/OfficeExpensesGrp/ProgramServicesAmt0219152
IRS990/OfficeExpensesGrp/TotalAmt0219152
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02061243
IRS990/OtherAssetsTotalGrp/EOYAmt02578634
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt066169
IRS990/OtherEmployeeBenefitsGrp/TotalAmt066169
IRS990/OtherExpensesGrp/Desc0DEBIT/CREDIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ProgramServicesAmt0265645
IRS990/OtherExpensesGrp/ProgramServicesAmt150917
IRS990/OtherExpensesGrp/TotalAmt0265645
IRS990/OtherExpensesGrp/TotalAmt150917
IRS990/OtherLiabilitiesGrp/BOYAmt046687625
IRS990/OtherLiabilitiesGrp/EOYAmt054469973
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc1ATM FEES
IRS990/OtherRevenueMiscGrp/Desc2ATM FEES - NON MEMBER
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt05627
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt13766
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt07067
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt13766
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt23328
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt01440
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt13328
IRS990/OtherRevenueTotalAmt014161
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0742161
IRS990/OtherSalariesAndWagesGrp/TotalAmt0742161
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt034378891
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt039962375
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt010329
IRS990/PaymentsToAffiliatesGrp/TotalAmt010329
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt02250861
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt02455861
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt030532
IRS990/PensionPlanContributionsGrp/TotalAmt030532
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0178842
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0291625
IRS990/PrincipalOfficerNm0HOLLY LUCA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1CREDIT CARD FEES
IRS990/ProgramServiceRevenueGrp/Desc2NSF CHARGES
IRS990/ProgramServiceRevenueGrp/Desc3SERVICE FEES
IRS990/ProgramServiceRevenueGrp/Desc4DEBT PROTECTION
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01854047
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1398454
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2142856
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3139638
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt497809
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01854047
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1398454
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2142856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3139638
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt497809
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0403182
IRS990/PYOtherExpensesAmt01754968
IRS990/PYOtherRevenueAmt031080
IRS990/PYProgramServiceRevenueAmt02546944
IRS990/PYRevenuesLessExpensesAmt0197163
IRS990/PYSalariesCompEmpBnftPaidAmt01029075
IRS990/PYTotalExpensesAmt02784043
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02981206
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0144138
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt02670833
IRS990/RoyaltiesRevenueGrp/ExclusionAmt09766
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt09766
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05054542
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04993680
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06039768
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011823723
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0238367
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0495509
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0733876
IRS990ScheduleD/EquipmentGrp/BookValueAmt074742
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0376303
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0451045
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt02808947
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0850000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt16068581
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCB RESERVE 12 MONTH CERTIFICATE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1BANK & CREDIT UNION CERTIFICATES OF DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/LandGrp/BookValueAmt0145000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0145000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt010593
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0115045
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0125638
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt054469973
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt02953085
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN ACCORDANCE WITH ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES UNDER THE INCOME TAXES TOPIC OF THE FASB ASC THE CREDIT UNION RECOGNIZES ANY UNCERTAIN TAX BENEFITS IF SUCH BENEFITS ARE A RESULT OF A TAX POSITION THAT IS MORE LIKELY THAN NOT SUSTAINABLE UPON EXAMINATION BY FEDERAL OR STATE TAX AUTHORITIES. WHEN AN UNCERTAIN BENEFIT IS DETERMINED TO BE MORE LIKELY THAN NOT SUSTAINED, THE CREDIT UNION VALUES THE POSITION, FOR FINANCIAL STATEMENT PURPOSES, OF THE LARGEST AMOUNT OF THE TAX BENEFIT THAT IS MORE THAN 50% LIKELY OF BEING REALIZED UPON RESOLUTION OF THE BENEFIT. FOR ANY TAX POSITIONS TAKEN THAT DO NOT MEET THE MORE LIKELY THAN NOT CRITERIA, THE CREDIT UNION ESTABLISHES A TAX RESERVE FOR 100% OF THE POSITION TAKEN.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0468702
IRS990ScheduleD/TotalBookValueProgramRltdAmt06918581
IRS990ScheduleD/TotalExpensesPerForm990Amt02808947
IRS990ScheduleD/TotalLiabilityAmt054469973
IRS990ScheduleD/TotalRevenuePerForm990Amt02953085
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02953085
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt02808947
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0132352
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount09910
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013417
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt0425
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0HOLLY LUCA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0156104
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MIDLAND CREDIT UNION IS SUPPORTED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE ORGANIZATION HAVE THE RIGHT TO VOTE FOR ONE OR MORE MEMBERS OF THE GOVERNING BODY AT ANNUAL MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE BYLAWS ARE AT TIMES APPROVED BY THE MEMBERS EITHER AT THE ANNUAL MEETING OR SPECIAL MEETINGS HELD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CEO WORKS CLOSELY WITH THE AUDITORS IN PROVIDING THE NECESSARY FINANCIAL INFORMATION TO PREPARE A FINANCIAL AUDIT. THE TAX RETURN IS BASED UPON THE AUDITED FINANCIAL STATEMENTS. UPON COMPLETION OF THE 990 RETURN THE CEO WILL DO A THOROUGH REVIEW AND SIGN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MIDLAND CREDIT UNION'S COMPENSATION PROGRAM CONSISTS OF THESE STEPS: 1) AN OUTSIDE SERVICE PROVIDES THE ORGANIZATION WITH SURVEY THAT IS USED AS A BENCHMARK FOR THEIR ENTIRE ORGANIZATION 2)COMPENSATION FOR CEO IS APPROVED BY THE BOARD 3)COMPENSATION FOR THE REST OF THE STAFF IS SET BY THE CEO WITHIN THE BOARD APPROVED BUDGET. THROUGH THE ENTIRE PROCESS THERE IS CONTEMPORANEOUS SUBSTANIATION OF THE DELIBERATION AND DECISION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES. THE ORGANIZATION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MIDLAND CREDIT UNION HAS AN AUDIT COMMITTEE THAT OVERSEAS THE AUDIT PROCESS AND SELECTION OF ITS AUDITORS. THE AUDIT COMMITTEE WILL ALSO REVIEW THE ISSUED AUDITED FINANCIAL STATEMENTS WITH THE AUDITOR UPON COMPLETION.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XII, LINE 2C, EXPLANATION: AUDIT COMMITTEE
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt054333029
IRS990/TotalAssetsEOYAmt062441065
IRS990/TotalAssetsGrp/BOYAmt054333029
IRS990/TotalAssetsGrp/EOYAmt062441065
IRS990/TotalCompGreaterThan150KInd01

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$62,441,065
Liabilities
$54,991,524
Net assets
$7,449,541
Revenue
$2,953,085
Expenses
$2,808,947
Net income
$144,138
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$96.6$86.1$10.5$5.91$5.36$0.54
2023Detailed filing. Detailed filing data is available for this year.$81.0$72.1$8.85$4.66$4.46$0.20
2022Detailed filing. Detailed filing data is available for this year.$76.1$68.3$7.77$3.47$3.41$0.06
2021Detailed filing. Detailed filing data is available for this year.$71.0$63.3$7.71$3.07$2.80$0.27
2020Detailed filing. Detailed filing data is available for this year.$62.4$55.0$7.45$2.95$2.81$0.14
2019Detailed filing. Detailed filing data is available for this year.$54.3$47.0$7.31$2.98$2.78$0.20
2018Detailed filing. Detailed filing data is available for this year.$53.2$46.1$7.13$2.92$2.81$0.11
2017Detailed filing. Detailed filing data is available for this year.$52.2$45.2$7.02$2.77$2.45$0.32
2016Detailed filing. Detailed filing data is available for this year.$50.9$44.2$6.70$2.30$2.13$0.18
2015Detailed filing. Detailed filing data is available for this year.$47.4$40.9$6.52$2.27$2.12$0.15
2014Detailed filing. Detailed filing data is available for this year.$44.0$37.7$6.37$2.11$1.96$0.15
2013Detailed filing. Detailed filing data is available for this year.$41.7$35.5$6.22$2.16$1.99$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.4$33.5$5.83$1.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.9$29.2$5.69$2.02