Civic Intelligence

Membersfirst Credit Union

990 • Fiscal year 2015 • EIN 58-1489204

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 15, 2016

Organization ProfileWWW.MEMBERSFIRSTGA.COM
2050 Lawrenceville Hwy Ste C-40Decatur, GA 30033-0189

(404) 978-0080

Siviq Scores

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

Liabilities / Assets

40th percentile

0.89x

Higher debt load relative to assets than 40% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Liabilities / Revenue

41st percentile

17.45x

Higher debt load relative to revenue than 41% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Net Margin

27th percentile

6.6%

Higher net margin than 27% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Top Officer Pay

37th percentile

$175,006

Higher top officer pay than 37% of similar nonprofits.

Top officer pay equals 2.0% of source-year revenue.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2015

Asset Growth

97th percentile

24%

Faster asset growth than 97% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Revenue Growth

91st percentile

15%

Faster revenue growth than 91% of similar nonprofits.

2015 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets40th percentile

Assets

Up

$173,448,167

Up $33,031,761 (+24%) from 2014

Net Assets

Up

$19,529,484

Up $4,383,052 (+29%) from 2014

Liabilities

Up

$153,918,683

Up $28,648,709 (+23%) from 2014

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin27th percentile

Revenue

Up

$8,819,195

Up $1,159,600 (+15%) from 2014

Expenses

Up

$8,238,600

Up $1,315,617 (+19%) from 2014

Net Income

Down

$580,595

Down $156,017 (-21%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$600M$400M$200M$0Assets 2010: $83,282,518Liabilities 2010: $74,173,367Net Assets 2010: $9,109,1512010Assets 2011: $97,726,966Liabilities 2011: $88,346,770Net Assets 2011: $9,380,1962011Assets 2012: $110,040,041Liabilities 2012: $99,762,654Net Assets 2012: $10,277,3872012Assets 2013: $114,274,617Liabilities 2013: $103,255,162Net Assets 2013: $11,019,4552013Assets 2014: $140,416,406Liabilities 2014: $125,269,974Net Assets 2014: $15,146,4322014Assets 2015: $173,448,167Liabilities 2015: $153,918,683Net Assets 2015: $19,529,4842015Assets 2016: $182,729,229Liabilities 2016: $162,716,248Net Assets 2016: $20,012,9812016Assets 2017: $192,173,435Liabilities 2017: $170,563,835Net Assets 2017: $21,609,6002017Assets 2018: $234,962,235Liabilities 2018: $206,978,837Net Assets 2018: $27,983,3982018Assets 2019: $243,776,744Liabilities 2019: $213,894,974Net Assets 2019: $29,881,7702019Assets 2020: $301,036,922Liabilities 2020: $269,878,980Net Assets 2020: $31,157,9422020Assets 2021: $348,729,006Liabilities 2021: $314,731,911Net Assets 2021: $33,997,0952021Assets 2022: $358,165,926Liabilities 2022: $320,040,842Net Assets 2022: $38,125,0842022Assets 2023: $394,800,116Liabilities 2023: $352,588,768Net Assets 2023: $42,211,3482023Assets 2024: $418,645,559Liabilities 2024: $373,061,771Net Assets 2024: $45,583,7882024

Highlighted filing

2015

Assets$173,448,167
Liabilities$153,918,683
Net Assets$19,529,484
Open 2015 Filing

Operations Trend

Revenue Growth91st percentile

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

$30M$20M$10M$0Expenses 2010: $5,737,8212010Expenses 2011: $6,074,8022011Revenue 2012: $6,822,077Expenses 2012: $5,924,886Net Income 2012: $897,1912012Revenue 2013: $7,169,512Expenses 2013: $6,094,904Net Income 2013: $1,074,6082013Revenue 2014: $7,659,595Expenses 2014: $6,922,983Net Income 2014: $736,6122014Revenue 2015: $8,819,195Expenses 2015: $8,238,600Net Income 2015: $580,5952015Revenue 2016: $10,616,606Expenses 2016: $10,094,643Net Income 2016: $521,9632016Revenue 2017: $11,639,955Expenses 2017: $10,043,335Net Income 2017: $1,596,6202017Revenue 2018: $14,066,943Expenses 2018: $12,490,056Net Income 2018: $1,576,8872018Revenue 2019: $15,597,660Expenses 2019: $13,682,066Net Income 2019: $1,915,5942019Revenue 2020: $14,221,720Expenses 2020: $12,945,548Net Income 2020: $1,276,1722020Revenue 2021: $15,204,020Expenses 2021: $12,364,867Net Income 2021: $2,839,1532021Revenue 2022: $17,444,196Expenses 2022: $13,316,207Net Income 2022: $4,127,9892022Revenue 2023: $20,930,076Expenses 2023: $17,402,991Net Income 2023: $3,527,0852023Revenue 2024: $24,599,650Expenses 2024: $21,227,210Net Income 2024: $3,372,4402024

Highlighted filing

2015

Revenue$8,819,195
Expenses$8,238,600
Net Income$580,595
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 15, 2016
Return Version
2015v2.1
Gross Receipts
$8,819,195
Mission and Program Overview

Mission

To provide thrift savings and borrowings to members of an owned cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$93,139,872$116,324,218▲ $23,184,346
Investments in Publicly Traded Securities$22,055,381$35,333,561▲ $13,278,180
Rtn Earn Endowment Incm Other Fnds$15,146,432$19,529,484▲ $4,383,052
Savings and Temporary Cash Investments$12,810,199$5,429,310▼ $7,380,889
Land, Buildings, and Equipment, Net$3,284,943$4,630,586▲ $1,345,643
Cash and Non-Interest-Bearing Accounts$2,082,051$2,952,643▲ $870,592
Accounts Receivable$1,359,501$2,486,279▲ $1,126,778
Prepaid Expenses and Deferred Charges$1,064,777$1,245,017▲ $180,240
Total Assets$140,416,406$173,448,167▲ $33,031,761
Other Assets Total$4,619,682$5,046,553▲ $426,871
Liabilities
Other Liabilities$124,157,575$152,818,251▲ $28,660,676
Accounts Payable and Accrued Expenses$1,112,399$1,100,432▼ $11,967
Total Liabilities$125,269,974$153,918,683▲ $28,648,709
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,146,432$19,529,484▲ $4,383,052
Total Liabilities and Net Assets / Fund Balance$140,416,406$173,448,167▲ $33,031,761

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,678,224$1,440,561$5,118,785
Equipment$952,362$2,225,308$3,177,670
Compensation and Service Providers
Top Officer Pay37th percentile

Employees

NameTitleBaseOtherTotal
Terry HardyCEO$153,016$21,990$175,006
Pam GoehnerVice Preside$85,266$10,278$95,544
James ColtraneVP/CFO$85,238$5,114$90,352

Board Members and Trustees

NameTitle
Billy ReidVice Chair
David MakkersBoard Member
Don NeunaberBoard Member
Don RemillardBoard Member
Donna LewellynBoard Member
Lloyd RuckerBoard Member
Loyd RuckerBoard Member
Nancy WardBoard Member
Willie DrainBoard Member
Lee UnderwoodAudit COM.
Jack HagueAudit Commit
Joe Van HornAudit Commit
Richard DalrympleBaord Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,003,053
Investment Income
$350,726
Other Revenue
$3,465,416
Change in Net Assets
$580,595
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,325,334
Salaries, Compensation, and Employee Benefits$3,471,481
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,793,827
Office Expenses---$1,388,540
Other Employee Benefits---$677,654
Fees for Services Other---$606,045
Occupancy---$542,713
Advertising---$473,630
Benefits to Members---$441,785
Depreciation Depletion---$393,416
Payments to Affiliates---$87,753
Other Expenses---$78,236
Travel---$55,497
All Other Expenses---$31,356
Interest---$84
Total Functional Expenses$0$0$0$8,238,600
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 Share Accounts$152,021,432
Unapplied Data Processing Exceptions$569,647
All Other Liabilities$227,172
Dividends Payable-
Accrued Expenses-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Credit union is organized with members. The members have savings and loan accounts. Members elect credit union officials.”

Form 990, Page 6, Part VI, Line 7A

“Yes - the credit union's board of directors are elected by members after recomendation by a nomnating committee.”

Form 990, Page 6, Part VI, Line 7B

“Yes. Certain decisions are approved by the membership.”

Form 990, Page 6, Part VI, Line 10B

“Yes, there are procedures in place to govern branches.”

Form 990, Page 6, Part VI, Line 11B

“Form 990 and 990t is reviewed by the ceo prior to filing. Board of directors will review the returns at a regularly scheduled meeting after filing.”

Form 990, Page 6, Part VI, Line 12C

“Conflicts of interst are part of the personel policy.”

Form 990, Page 6, Part VI, Line 15A

“Ceo compensation approved by the board of directors”

Form 990, Page 6, Part VI, Line 15B

“Salaries approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Credit union governing documents are made available to members upon request. Documents are published on guidestar.org. Financial information is available to the general public through the national credit union administration.”

Filing and Contact Details

Filer

Filer Name
Membersfirst Credit Union
EIN
58-1489204
Phone
4049780080
Address
2050 LAWRENCEVILLE HWY STE C-40, DECATUR, GA 30033-0189

Signing Officer

Name
Terry Hardy
Title
CEO
Phone
4049780080
Signed
2016-08-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Hardy
Formed
1953
Legal Domicile
Ga
Voting Board Members
12
Independent Board Members
12
Employees
82

Preparer

Firm
Cynthia L Coleman
Address
610 BRIDGEWATER DR, ATLANTA, GA 30328
Preparer
Cynthia L Coleman CPA
Phone
6784819034
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“To provide thrift savings and loan to members.”

Form 990, Part XI, Line 9

“Book / tax depreciation difference 393,416 merger equity 3,423,075 total 3,816,491”

Raw XML AppendixShowing 400 of 407 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/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11342773
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PYSalariesCompEmpBnftPaidAmt02913923
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IRS990/PYTotalRevenueAmt07659595
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01440561
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0952362
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02225308
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03177670
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0152021432
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1569647
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2227172
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1UNAPPLIED DATA PROCESSING EXCEPTIONS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ALL OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ACCRUED EXPENSES
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IRS990ScheduleD/TotalLiabilityAmt0152818251
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION IS ORGANIZED WITH MEMBERS. THE MEMBERS HAVE SAVINGS AND LOAN ACCOUNTS. MEMBERS ELECT CREDIT UNION OFFICIALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES - THE CREDIT UNION'S BOARD OF DIRECTORS ARE ELECTED BY MEMBERS AFTER RECOMENDATION BY A NOMNATING COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3YES. CERTAIN DECISIONS ARE APPROVED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4YES, THERE ARE PROCEDURES IN PLACE TO GOVERN BRANCHES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORM 990 AND 990T IS REVIEWED BY THE CEO PRIOR TO FILING. BOARD OF DIRECTORS WILL REVIEW THE RETURNS AT A REGULARLY SCHEDULED MEETING AFTER FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CONFLICTS OF INTERST ARE PART OF THE PERSONEL POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CEO COMPENSATION APPROVED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8SALARIES APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CREDIT UNION GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. DOCUMENTS ARE PUBLISHED ON GUIDESTAR.ORG. FINANCIAL INFORMATION IS AVAILABLE TO THE GENERAL PUBLIC THROUGH THE NATIONAL CREDIT UNION ADMINISTRATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10BOOK / TAX DEPRECIATION DIFFERENCE 393,416 MERGER EQUITY 3,423,075 TOTAL 3,816,491
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0173448167
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IRS990/TypeOfOrganizationCorpInd0X
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IRS990/USAddress/CityNm0DECATUR
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IRS990/WebsiteAddressTxt0WWW.MEMBERSFIRSTGA.COM
IRS990/WhistleblowerPolicyInd0false
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ReturnHeader/BusinessOfficerGrp/PersonNm0TERRY HARDY
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0610 BRIDGEWATER DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ATLANTA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030328
ReturnHeader/PreparerPersonGrp/PhoneNum06784819034

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$173,448,167
Liabilities
$153,918,683
Net assets
$19,529,484
Revenue
$8,819,195
Expenses
$8,238,600
Net income
$580,595
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$419$373$45.6$24.6$21.2$3.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$395$353$42.2$20.9$17.4$3.53
2022Detailed filing. Detailed filing data is available for this year.$358$320$38.1$17.4$13.3$4.13
2021Detailed filing. Detailed filing data is available for this year.$349$315$34.0$15.2$12.4$2.84
2020Detailed filing. Detailed filing data is available for this year.$301$270$31.2$14.2$12.9$1.28
2019Detailed filing. Detailed filing data is available for this year.$244$214$29.9$15.6$13.7$1.92
2018Detailed filing. Detailed filing data is available for this year.$235$207$28.0$14.1$12.5$1.58
2017Detailed filing. Detailed filing data is available for this year.$192$171$21.6$11.6$10.0$1.60
2016Detailed filing. Detailed filing data is available for this year.$183$163$20.0$10.6$10.1$0.52
2015Detailed filing. Detailed filing data is available for this year.$173$154$19.5$8.82$8.24$0.58
2014Detailed filing. Detailed filing data is available for this year.$140$125$15.1$7.66$6.92$0.74
2013Detailed filing. Detailed filing data is available for this year.$114$103$11.0$7.17$6.09$1.07
2012Summary only. Only limited summary data is available for this year.$110$99.8$10.3$6.82$5.92$0.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.7$88.3$9.38$6.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.3$74.2$9.11$5.74