Civic Intelligence

Membersfirst Credit Union

990 • Fiscal year 2020 • EIN 58-1489204

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 10, 2021

Organization ProfileWWW.MEMBERSFIRSTGA.COM
2050 Lawrenceville Hwy No C-40Decatur, GA 30033-0189

(404) 389-1239

Siviq Scores

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

Liabilities / Assets

46th percentile

0.90x

Higher debt load relative to assets than 46% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

44th percentile

18.98x

Higher debt load relative to revenue than 44% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

39th percentile

9.0%

Higher net margin than 39% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

21st percentile

$298,029

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

85th percentile

23%

Faster asset growth than 85% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

14th percentile

-8.8%

Faster revenue growth than 14% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$301,036,922

Up $57,260,178 (+23%) from 2019

Net Assets

Up

$31,157,942

Up $1,276,172 (+4.3%) from 2019

Liabilities

Up

$269,878,980

Up $55,984,006 (+26%) from 2019

Revenue And Expenses
Liabilities / Revenue44th percentileNet Margin39th percentile

Revenue

Down

$14,221,720

Down $1,375,940 (-8.8%) from 2019

Expenses

Down

$12,945,548

Down $736,518 (-5.4%) from 2019

Net Income

Down

$1,276,172

Down $639,422 (-33%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth85th 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

2020

Assets$301,036,922
Liabilities$269,878,980
Net Assets$31,157,942
Open 2020 Filing

Operations Trend

Revenue Growth14th 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

2020

Revenue$14,221,720
Expenses$12,945,548
Net Income$1,276,172
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 10, 2021
Return Version
2020v4.1
Gross Receipts
$14,221,720
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$171,264,129$206,905,746▲ $35,641,617
Savings and Temporary Cash Investments$51,245,588$70,067,521▲ $18,821,933
Rtn Earn Endowment Incm Other Fnds$29,881,770$31,157,942▲ $1,276,172
Land, Buildings, and Equipment, Net$9,121,783$10,434,421▲ $1,312,638
Cash and Non-Interest-Bearing Accounts$3,592,366$4,000,101▲ $407,735
Accounts Receivable$1,503,047$2,010,170▲ $507,123
Prepaid Expenses and Deferred Charges$711,971$589,739▼ $122,232
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$243,776,744$301,036,922▲ $57,260,178
Other Assets Total$6,337,860$7,029,224▲ $691,364
Liabilities
Other Liabilities$212,635,387$267,981,854▲ $55,346,467
Accounts Payable and Accrued Expenses$1,259,587$1,897,126▲ $637,539
Total Liabilities$213,894,974$269,878,980▲ $55,984,006
Net Assets / Fund Balance
Total Net Assets Fund Balance$29,881,770$31,157,942▲ $1,276,172
Total Liabilities and Net Assets / Fund Balance$243,776,744$301,036,922▲ $57,260,178

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,482,906$494,151$5,977,057
Equipment$990,795$2,995,488$3,986,283
Land$3,313,111-$3,313,111
Leasehold Improvements$647,609$1,010,658$1,658,267
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry HardyPresident/CEOFT$263,152$34,877$298,029
Pamela GoehnerVice President/COOFT$147,157-$147,157
Laron MaloneyVice PresidentFT$142,219-$142,219
William LaughridgeDirector of ItFT$134,666-$134,666
James ColtraneVice President/CFOFT$122,068-$122,068
Kimberly McnaryDirector of Commercial & Real Estate LendingFT$118,483-$118,483
Ayoka StewartVice PresidentFT$115,990-$115,990

Board Members and Trustees

NameTitle
Billy ReidBoard 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
Nancy LawsonCommittee Member
Thomas OdomCommittee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,660,770
Investment Income
$850,596
Other Revenue
$4,710,354
Change in Net Assets
$1,276,172
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,213,636
Salaries, Compensation, and Employee Benefits$5,760,699
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,178,826--$4,178,826
Office Expenses$2,153,803--$2,153,803
Other Employee Benefits$1,070,473--$1,070,473
Benefits to Members$971,213--$971,213
Information Technology$686,939--$686,939
Advertising$599,891--$599,891
Current Officers, Directors, Trustees, and Key Employees$511,400--$511,400
Depreciation Depletion$488,749--$488,749
Fees for Services Other$484,344--$484,344
Occupancy$471,526--$471,526
Other Expenses$45,424--$45,424
Fees for Services Accounting$40,300--$40,300
Conferences and Meetings$31,164--$31,164
Payments to Affiliates$16,041--$16,041
Fees for Services Legal$355--$355
Total Functional Expenses$12,945,548$0$0$12,945,548
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$266,324,141
All Other Liabilities$971,457
Unapplied Data Processing Exce$686,256
Governance and Compliance

Governance Checklist

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

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

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

“Yes - the credit union's board of directors are elected by members after recommendation by a nominating committee”

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

“Yes certain decisions are approved by the membership”

Form 990, Part VI, Section B, Line 10B

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

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

“Conflicts of interest are part of the personnel policy”

Form 990, Part VI, Section B, Line 15

“Ceo compensation approved by the board of directors”

Form 990, Part VI, Section C, 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”

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

“Salaries approved by the board of directors”

Filing and Contact Details

Filer

Filer Name
Membersfirst Credit Union
EIN
58-1489204
Phone
4043891239
Address
2050 LAWRENCEVILLE HWY NO C-40, DECATUR, GA 30033-0189

Signing Officer

Name
Terry Hardy
Title
CEO
Phone
4043891239
Signed
2021-11-10
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
104
Volunteers
0

Preparer

Firm
Wipfli Llp
Address
235 PEACHTREE ST NE 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”

Raw XML AppendixShowing 400 of 529 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/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt18VICE PRESIDENT/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VICE PRESIDENT/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR OF COMMERCIAL & REAL ESTATE LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt21VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt23VICE PRESIDENT
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt013853
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt013853
IRS990/MissionDesc0TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/OperateHospitalInd00
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IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01070473
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01070473
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/ProgramServicesAmt0600000
IRS990/OtherExpensesGrp/ProgramServicesAmt1412598
IRS990/OtherExpensesGrp/ProgramServicesAmt2182502
IRS990/OtherExpensesGrp/ProgramServicesAmt345424
IRS990/OtherExpensesGrp/TotalAmt0600000
IRS990/OtherExpensesGrp/TotalAmt1412598
IRS990/OtherExpensesGrp/TotalAmt2182502
IRS990/OtherExpensesGrp/TotalAmt345424
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1686256

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Filings

Displayed year

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

Open filing
Assets
$301,036,922
Liabilities
$269,878,980
Net assets
$31,157,942
Revenue
$14,221,720
Expenses
$12,945,548
Net income
$1,276,172
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