Civic Intelligence

Members 1 St Credit Union

990 • Fiscal year 2012 • EIN 43-6032141

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 05, 2013

Organization ProfileWWW.ME1STCU.COM

View Organization Page

4702 Mattis Road63128-2822
Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

45th percentile

3.3%

Faster asset growth than 45% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$25,468,813

Up $810,218 (+3.3%) from 2011

Net Assets

Down

$1,796,877

Down $45,438 (-2.5%) from 2011

Liabilities

Up

$23,671,936

Up $855,656 (+3.8%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$1,055,442

Down $87,019 (-7.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$80M$60M$40M$20M$0Assets 2010: $22,795,627Liabilities 2010: $20,994,810Net Assets 2010: $1,800,8172010Assets 2011: $24,658,595Liabilities 2011: $22,816,280Net Assets 2011: $1,842,3152011Assets 2012: $25,468,813Liabilities 2012: $23,671,936Net Assets 2012: $1,796,8772012Assets 2013: $24,911,171Liabilities 2013: $22,999,554Net Assets 2013: $1,911,6172013Assets 2014: $25,311,666Liabilities 2014: $23,214,754Net Assets 2014: $2,096,9122014Assets 2015: $40,200,635Liabilities 2015: $36,763,231Net Assets 2015: $3,437,4042015Assets 2016: $41,471,768Liabilities 2016: $37,781,683Net Assets 2016: $3,690,0852016Assets 2017: $42,403,448Liabilities 2017: $38,460,529Net Assets 2017: $3,942,9192017Assets 2018: $44,995,937Liabilities 2018: $40,782,683Net Assets 2018: $4,213,2542018Assets 2019: $47,946,298Liabilities 2019: $43,457,228Net Assets 2019: $4,489,0702019Assets 2020: $57,082,521Liabilities 2020: $52,262,330Net Assets 2020: $4,820,1912020Assets 2021: $63,079,165Liabilities 2021: $57,993,682Net Assets 2021: $5,085,4832021Assets 2022: $65,764,659Liabilities 2022: $60,433,367Net Assets 2022: $5,331,2922022Assets 2023: $62,169,706Liabilities 2023: $56,400,422Net Assets 2023: $5,769,2842023Assets 2024: $68,913,881Liabilities 2024: $62,492,420Net Assets 2024: $6,421,4612024

Highlighted filing

2012

Assets$25,468,813
Liabilities$23,671,936
Net Assets$1,796,877
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,188,4452010Expenses 2011: $1,142,4612011Expenses 2012: $1,055,4422012Revenue 2013: $1,006,820Expenses 2013: $892,080Net Income 2013: $114,7402013Revenue 2014: $1,091,784Expenses 2014: $906,489Net Income 2014: $185,2952014Revenue 2015: $1,211,080Expenses 2015: $1,095,906Net Income 2015: $115,1742015Revenue 2016: $1,624,078Expenses 2016: $1,396,397Net Income 2016: $227,6812016Revenue 2017: $1,800,412Expenses 2017: $1,547,578Net Income 2017: $252,8342017Revenue 2018: $1,955,599Expenses 2018: $1,685,264Net Income 2018: $270,3352018Revenue 2019: $2,234,867Expenses 2019: $1,959,051Net Income 2019: $275,8162019Revenue 2020: $2,142,947Expenses 2020: $1,811,826Net Income 2020: $331,1212020Revenue 2021: $2,084,216Expenses 2021: $1,818,924Net Income 2021: $265,2922021Revenue 2022: $2,134,914Expenses 2022: $1,889,105Net Income 2022: $245,8092022Revenue 2023: $2,644,649Expenses 2023: $2,206,657Net Income 2023: $437,9922023Revenue 2024: $3,452,316Expenses 2024: $2,800,139Net Income 2024: $652,1772024

Highlighted filing

2012

Revenue-
Expenses$1,055,442
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 5, 2013
Return Version
2012v2.1
Gross Receipts
$1,010,004
Mission and Program Overview

Mission

Members 1st credit union assists its members through a wide assortment of products and services to make sound financial decisions that lead to their improved well-being.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 1,171 loans outstanding totaling $13,179,393.
Activity 3
Paid dividends on member deposits totaling $75,352 for the year.
Filing and Contact Details

Filer

EIN
43-6032141
Raw XML Appendix376 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/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 1,171 LOANS OUTSTANDING TOTALING $13,179,393.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $75,352 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
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IRS990ScheduleO/GeneralExplanation/Explanation0IN DECEMBER 2012, THE BOARD OF DIRECTORS APPROVED THE REDUCTION OF THE NUMBER OF DIRECTORS FROM NINE TO SEVEN. AN AMENDMENT TO THE BYLAWS WAS FILED WITH AND APPROVED BY THE STATE OF MISSOURI IN JANUARY 2013.
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PRESIDENT GATHERS THE INFORMATION FOR THE OUTSIDE ACCOUNTING FIRM TO PREPARE THE FORM 990 RETURN. UPON COMPLETION, THE PRESIDENT REVIEWS THE COMPLETED 990 BEFORE PRESENTING IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation5ON AN ANNUAL BASIS, ALL OFFICERS, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT'S COMPENSATION. ALL OTHER EMPLOYEES' COMPENSATION IS DETERMINED BY THE PRESIDENT AND IS INCLUDED IN THE BUDGET PRESENTED TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/GeneralExplanation/Explanation7FINANCIAL STATEMENTS ARE POSTED MONTHLY IN THE CREDIT UNION LOBBY, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
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IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 12C
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ReturnHeader/Filer/Phone03144875628
ReturnHeader/Filer/USAddress/AddressLine104702 MATTIS ROAD
ReturnHeader/Filer/USAddress/City0ST LOUIS
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode0631282822
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-11-05
ReturnHeader/Officer/Name0BRIAN EYESTONE
ReturnHeader/Officer/Phone03144875628
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/EIN0431887384
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode063017
ReturnHeader/Preparer/Phone03142058601
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-05T09:17:57-06:00

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$25,468,813
Liabilities
$23,671,936
Net assets
$1,796,877
Revenue
-
Expenses
$1,055,442
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.9$62.5$6.42$3.45$2.80$0.65
2023Detailed filing. Detailed filing data is available for this year.$62.2$56.4$5.77$2.64$2.21$0.44
2022Detailed filing. Detailed filing data is available for this year.$65.8$60.4$5.33$2.13$1.89$0.25
2021Detailed filing. Detailed filing data is available for this year.$63.1$58.0$5.09$2.08$1.82$0.27
2020Detailed filing. Detailed filing data is available for this year.$57.1$52.3$4.82$2.14$1.81$0.33
2019Detailed filing. Detailed filing data is available for this year.$47.9$43.5$4.49$2.23$1.96$0.28
2018Detailed filing. Detailed filing data is available for this year.$45.0$40.8$4.21$1.96$1.69$0.27
2017Detailed filing. Detailed filing data is available for this year.$42.4$38.5$3.94$1.80$1.55$0.25
2016Detailed filing. Detailed filing data is available for this year.$41.5$37.8$3.69$1.62$1.40$0.23
2015Detailed filing. Detailed filing data is available for this year.$40.2$36.8$3.44$1.21$1.10$0.12
2014Detailed filing. Detailed filing data is available for this year.$25.3$23.2$2.10$1.09$0.91$0.19
2013Detailed filing. Detailed filing data is available for this year.$24.9$23.0$1.91$1.01$0.89$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.5$23.7$1.80$1.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.7$22.8$1.84$1.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.8$21.0$1.80$1.19