Civic Intelligence

Membersfirst Credit Union

990 • Fiscal year 2018 • EIN 58-1489204

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

Organization Profilewww.membersfirstga.com
2050 Lawrenceville Hwy Suite Ste CDecatur, GA 30033-0189

(404) 389-1239

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.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

29th percentile

14.71x

Higher debt load relative to revenue than 29% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

41st percentile

11%

Higher net margin than 41% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

50th percentile

$207,786

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

98th percentile

22%

Faster asset growth than 98% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

94th percentile

21%

Faster revenue growth than 94% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$234,962,235

Up $42,788,800 (+22%) from 2017

Net Assets

Up

$27,983,398

Up $6,373,798 (+29%) from 2017

Liabilities

Up

$206,978,837

Up $36,415,002 (+21%) from 2017

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin41st percentile

Revenue

Up

$14,066,943

Up $2,426,988 (+21%) from 2017

Expenses

Up

$12,490,056

Up $2,446,721 (+24%) from 2017

Net Income

Down

$1,576,887

Down $19,733 (-1.2%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2018

Assets$234,962,235
Liabilities$206,978,837
Net Assets$27,983,398
Open 2018 Filing

Operations Trend

Revenue Growth94th 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

2018

Revenue$14,066,943
Expenses$12,490,056
Net Income$1,576,887
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$14,066,943
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$141,496,180$160,593,000▲ $19,096,820
Savings and Temporary Cash Investments$31,079,308$53,839,545▲ $22,760,237
Rtn Earn Endowment Incm Other Fnds$21,609,600$27,983,398▲ $6,373,798
Land, Buildings, and Equipment, Net$8,660,014$8,736,145▲ $76,131
Cash and Non-Interest-Bearing Accounts$2,937,082$3,344,717▲ $407,635
Accounts Receivable$1,517,649$1,524,235▲ $6,586
Prepaid Expenses and Deferred Charges$1,080,368$652,510▼ $427,858
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$192,173,435$234,962,235▲ $42,788,800
Other Assets Total$5,402,834$6,272,083▲ $869,249
Liabilities
Other Liabilities$168,968,491$204,792,861▲ $35,824,370
Accounts Payable and Accrued Expenses$1,595,344$2,185,976▲ $590,632
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$170,563,835$206,978,837▲ $36,415,002
Net Assets / Fund Balance
Total Net Assets Fund Balance$21,609,600$27,983,398▲ $6,373,798
Total Liabilities and Net Assets / Fund Balance$192,173,435$234,962,235▲ $42,788,800

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$920,879$2,424,290$3,345,169
Land$3,313,111-$3,313,111
Buildings$3,114,273$148,568$3,262,841
Leasehold Improvements$1,387,882$988,158$2,376,040
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry HardyPresident/CEOFT$207,786$16,524$210,810
Pam Goehner--$98,365$7,124$118,989
Pam GoehnerVice President/COOFT$98,365$13,500$111,865
James ColtraneVice President/CFOFT$103,917-$103,917
James Coltrane--$103,917-$103,917

Board Members and Trustees

NameTitle
Billy ReidBoard Member
David MakkersBoard Member
Don NeunaberBoard Member
Don RemillardBoard Member
Donna LewellynBoard Member
Douglas ReedBoard Member
Jack HagueBoard Member
Jo AllenBoard Member
Joe Van HornBoard Member
Lee UnderwoodBoard Member
Nancy WardBoard Member
Richard DalrympleBoard Member
Willie DrainBoard Member
Christina MillerCommittee Member
Elaine MooreCommittee Member
Jeffery ThomasCommittee Member
Thomas OdomCommittee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,647,940
Investment Income
$965,992
Other Revenue
$5,453,011
Change in Net Assets
$1,576,887
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,479,078
Salaries, Compensation, and Employee Benefits$5,172,547
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,773,537
Office Expenses---$2,426,570
Other Employee Benefits---$975,441
Benefits to Members---$838,431
Advertising---$676,382
Information Technology---$595,299
Depreciation Depletion---$442,882
Current Officers, Directors, Trustees, and Key Employees---$423,569
Occupancy---$365,272
Fees for Services Other---$332,520
Conferences and Meetings---$94,961
Payments to Affiliates---$55,369
All Other Expenses---$52,875
Fees for Services Accounting---$39,508
Other Expenses---$26,596
Fees for Services Legal---$4,577
Total Functional Expenses$0$0$0$12,490,056
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$203,816,550
All Other Liabilities$515,767
Unapplied Data Processing Exce$460,544
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
Management duties delegated
No

Governance Explanations

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

“Yes - the credit union's board of directors are elected by members after recommendation by a nominating 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 interest are part of the personnel 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
In Care Of
% JAMES COLTRANE
Phone
4043891239
Address
2050 Lawrenceville Hwy Suite Ste C, Decatur, GA 30033-0189

Signing Officer

Name
Terry Hardy
Title
CEO
Phone
4043891239
Signed
2019-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Hardy
Formed
1953
Legal Domicile
Ga
Voting Board Members
13
Independent Board Members
13
Employees
108

Preparer

Firm
Wipfli Llp
Address
235 PEACHTREE STREET SUITE 1800, ATLANTA, GA 30303
Preparer
J Houston Holmes
Phone
4045884200
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

“MERGER EQUITY $4,796,911”

Raw XML AppendixShowing 400 of 545 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/Form990PartVIISectionAGrp/TitleTxt19VICE PRESIDENT/CFO
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Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$234,962,235
Liabilities
$206,978,837
Net assets
$27,983,398
Revenue
$14,066,943
Expenses
$12,490,056
Net income
$1,576,887
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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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