Civic Intelligence

Members First of Maryland Federal Credit Union

EIN 52-0905206 • 501(c)14 • Dundalk, MD

Profile

Our mission is to provide low cost, high yield financial services to our members.

PO Box 8865 535 Dundalk AvenueDundalk, MD 21224

www.mfirstcu.org

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

6th percentile

0.07x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

4th percentile

-57%

Higher net margin than 4% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

25th percentile

$88,810

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 8.2% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

5th percentile

-16%

Faster asset growth than 5% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Down

$26,389,415

Down $5,213,952 (-16%) from 2012

Liabilities

Up

$78,233

Up $12,032 (+18%) from 2012

Net Assets

Down

$26,311,182

Down $5,225,984 (-17%) from 2012

Operations
Liabilities / Revenue6th percentileNet Margin4th percentile

Revenue

$1,087,997

No earlier filing loaded for comparison.

Expenses

Up

$1,707,744

Up $284,069 (+20%) from 2012

Net Income

-$619,747

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth5th percentile

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

$40M$30M$20M$10M$0Assets 2010: $31,468,627Liabilities 2010: $143,270Net Assets 2010: $31,325,3572010Assets 2011: $34,887,823Liabilities 2011: $97,115Net Assets 2011: $34,790,7082011Assets 2012: $31,603,367Liabilities 2012: $66,201Net Assets 2012: $31,537,1662012Assets 2013: $26,389,415Liabilities 2013: $78,233Net Assets 2013: $26,311,1822013

Highlighted filing

2013

Assets$26,389,415
Liabilities$78,233
Net Assets$26,311,182
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,036,6452010Expenses 2011: $1,670,4352011Expenses 2012: $1,423,6752012Revenue 2013: $1,087,997Expenses 2013: $1,707,744Net Income 2013: -$619,7472013

Highlighted filing

2013

Revenue$1,087,997
Expenses$1,707,744
Net Income-$619,747
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,389,415
Liabilities
$78,233
Net assets
$26,311,182
Revenue
$1,087,997
Expenses
$1,707,744
Net income
-$619,747
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$26.4$0.08$26.3$1.09$1.71$0.62
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.6$0.07$31.5$1.42
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.9$0.10$34.8$1.67
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.5$0.14$31.3$2.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 12, 2014
Return Version
2013v3.0
Gross Receipts
$1,087,997
Mission and Program Overview

Mission

Our mission is to provide low cost, high yield financial services to our members.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$27,606,383$23,793,375▼ $3,813,008
Investments in Publicly Traded Securities$20,621,318$15,917,388▼ $4,703,930
Other Notes and Loans Receivable, Net$7,473,604$7,897,559▲ $423,955
Savings and Temporary Cash Investments$2,375,972$1,426,606▼ $949,366
Pd in Cap Srpls Land Bldg Eqp Fund$1,315,796$1,315,796→ $0
Rtn Earn Endowment Incm Other Fnds$2,614,987$1,202,011▼ $1,412,976
Receivables From Officers Etc$3,086$377,654▲ $374,568
Cash and Non-Interest-Bearing Accounts$636,120$315,323▼ $320,797
Land, Buildings, and Equipment, Net$364,943$284,643▼ $80,300
Prepaid Expenses and Deferred Charges$52,469$59,982▲ $7,513
Total Assets$31,603,367$26,389,415▼ $5,213,952
Other Assets Total$75,855$110,260▲ $34,405
Liabilities
Accounts Payable and Accrued Expenses$60,216$73,095▲ $12,879
Other Liabilities$5,985$5,138▼ $847
Total Liabilities$66,201$78,233▲ $12,032
Net Assets / Fund Balance
Total Net Assets Fund Balance$31,537,166$26,311,182▼ $5,225,984
Total Liabilities and Net Assets / Fund Balance$31,603,367$26,389,415▼ $5,213,952

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$75,290$1,162,645$1,237,935
Equipment$37,147$444,213$481,360
Other Land Buildings$256$214,253$214,509
Land$171,950-$171,950
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anthony McCollimCEOFT$87,631$1,179$88,810

Board Members and Trustees

NameTitle
Gerald ErnestChairman
Joseph JacksonVice-Chairman
Ed Bartee SrDirector
Joe BartalDirector
Sean RitterDirector
Allan PughSecretary
Gordon JakubowskiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$797,583
Investment Income
$290,414
Other Revenue
$0
Change in Net Assets
$-619,747
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,050,826
Salaries, Compensation, and Employee Benefits$656,918
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$434,210
Occupancy---$133,089
Interest---$117,080
Other Employee Benefits---$89,333
Current Officers, Directors, Trustees, and Key Employees---$88,810
Depreciation Depletion---$80,300
Fees for Services Other---$58,746
Information Technology---$48,919
Payroll Taxes---$44,565
Insurance---$29,043
All Other Expenses---$28,774
Other Expenses---$20,411
Office Expenses---$12,555
Fees for Services Accounting---$4,752
Travel---$3,611
Conferences and Meetings---$979
Advertising---$810
Total Functional Expenses$0$0$0$1,707,744
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,086$377,654▲ $374,568
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$4,012
Dividends Payable$1,126
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The Credit Union has 3,614 members.”

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

“Credit Union members elect the board of directors.”

Form 990, Part VI, Section B, line 11

“The CEO and accounting department review Form 990 for accuracy prior to filing. The 990 is then reviewed with the Board Chairman and Vice-Chairman.”

Form 990, Part VI, Section B, line 12C

“The Credit Union reviews compliance with the conflict of interest policy throughout the year.”

Form 990, Part VI, Section B, line 15

“The compensation committee of the board reviews the financial performance of the Credit Union and makes recommendations for any changes to the CEO or officers' compensation. The salaries of upper management are set by the CEO.”

Form 990, Part VI, Section C, line 19

“The Credit Union distributes a financial report at the annual meeting and it posts monthly financial statements on a form provided by the NCUA in the lobby. It does not currently make governing documents or a conflict of interest policy available to the public.”

Filing and Contact Details

Filer

EIN
52-0905206
Phone
4106338850

Signing Officer

Name
Anthony McCollim
Title
CEO
Phone
4106338850
Signed
2014-08-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anthony McCollim
Formed
1969
Legal Domicile
Md
Voting Board Members
7
Independent Board Members
7
Employees
17
Volunteers
0

Preparer

Preparer
Joseph A Musumeci Jr
Phone
4437255395
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in Member Shares -3,813,008.”

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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Mortgage
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VISA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Car Loan
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0369000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt16805
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Gerald Ernest
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Joseph Jackson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Gordon Jakubowski
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Gordon Jakubowski
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd31
IRS990ScheduleL/TotalBalanceDueAmt0377654
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union has 3,614 members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union members elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The CEO and accounting department review Form 990 for accuracy prior to filing. The 990 is then reviewed with the Board Chairman and Vice-Chairman.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Credit Union reviews compliance with the conflict of interest policy throughout the year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The compensation committee of the board reviews the financial performance of the Credit Union and makes recommendations for any changes to the CEO or officers' compensation. The salaries of upper management are set by the CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The Credit Union distributes a financial report at the annual meeting and it posts monthly financial statements on a form provided by the NCUA in the lobby. It does not currently make governing documents or a conflict of interest policy available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Change in Member Shares -3,813,008.
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 12c
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 XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt031603367
IRS990/TotalAssetsEOYAmt026389415
IRS990/TotalAssetsGrp/BOYAmt031603367
IRS990/TotalAssetsGrp/EOYAmt026389415
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/TotalAmt01707744
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt066201
IRS990/TotalLiabilitiesEOYAmt078233
IRS990/TotalLiabilitiesGrp/BOYAmt066201
IRS990/TotalLiabilitiesGrp/EOYAmt078233
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt031537166
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt026311182
IRS990/TotalOtherCompensationAmt01179
IRS990/TotalProgramServiceRevenueAmt0797583
IRS990/TotalReportableCompFromOrgAmt087631
IRS990/TotalRevenueGrp/ExclusionAmt0290414
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0797583
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01087997
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt031603367
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026389415
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt03611
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10PO Box 8865 535 Dundalk Avenue
IRS990/USAddress/City0Baltimore
IRS990/USAddress/State0MD
IRS990/USAddress/ZIPCode021224
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.mfirstcu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Anthony McCollim
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04106338850
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10Members First Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MEMB
ReturnHeader/Filer/EIN0520905206
ReturnHeader/Filer/PhoneNum04106338850
ReturnHeader/Filer/USAddress/AddressLine10PO Box 8865 535 Dundalk Avenue
ReturnHeader/Filer/USAddress/City0Baltimore
ReturnHeader/Filer/USAddress/State0MD
ReturnHeader/Filer/USAddress/ZIPCode021224
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0520630619
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10Rowles & Company LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine108100 Sandpiper Circle Suite 308
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Baltimore
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode021236
ReturnHeader/PreparerPersonGrp/PhoneNum04437255395
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joseph A Musumeci Jr
ReturnHeader/ReturnTs02014-08-12T09:28:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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