Civic Intelligence

Metro Employees Credit Union

EIN 61-0599249 • 501(c)14 • Lexington, KY

View Organization Page

Profile

Metro Employees Credit Union is a member owned and operated non-profit financial institution which provides high quality services to meet our member's financial needs today and in the future in a way to ensure the long term viability of the Credit Union. We will provide confidential and personalized service to our members in a fair and equitable manner.

1306 Versailles RoadLexington, KY 40504

www.metroemployeescu.org

Siviq Scores

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

Liabilities / Assets

46th percentile

0.87x

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

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

24th percentile

13.57x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

80th percentile

21%

Higher net margin than 80% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

51st percentile

$169,588

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

$25M-$50M nonprofits • Source year 2024

Asset Growth

89th percentile

7.4%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

33rd percentile

3.2%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets46th percentile

Assets

Up

$48,383,659

Up $3,334,897 (+7.4%) from 2023

Liabilities

Up

$42,234,425

Up $2,693,111 (+6.8%) from 2023

Net Assets

Up

$6,149,234

Up $641,786 (+12%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin80th percentile

Revenue

Up

$3,112,184

Up $96,691 (+3.2%) from 2023

Expenses

Up

$2,470,398

Up $239,556 (+11%) from 2023

Net Income

Down

$641,786

Down $142,865 (-18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$60M$40M$20M$0Assets 2010: $16,991,748Liabilities 2010: $14,977,225Net Assets 2010: $2,014,5232010Assets 2011: $18,149,637Liabilities 2011: $15,994,806Net Assets 2011: $2,154,8312011Assets 2012: $18,706,069Liabilities 2012: $16,391,961Net Assets 2012: $2,314,1082012Assets 2013: $19,866,955Liabilities 2013: $17,458,735Net Assets 2013: $2,408,2202013Assets 2014: $22,743,294Liabilities 2014: $20,133,680Net Assets 2014: $2,609,6142014Assets 2015: $24,721,080Liabilities 2015: $21,916,588Net Assets 2015: $2,804,4922015Assets 2016: $26,264,956Liabilities 2016: $23,260,610Net Assets 2016: $3,004,3462016Assets 2017: $29,588,539Liabilities 2017: $26,281,173Net Assets 2017: $3,307,3662017Assets 2018: $30,491,693Liabilities 2018: $26,718,541Net Assets 2018: $3,773,1522018Assets 2019: $33,029,086Liabilities 2019: $28,890,854Net Assets 2019: $4,138,2322019Assets 2020: $38,291,426Liabilities 2020: $33,988,447Net Assets 2020: $4,302,9792020Assets 2021: $43,838,329Liabilities 2021: $39,287,477Net Assets 2021: $4,550,8522021Assets 2022: $45,153,376Liabilities 2022: $40,407,441Net Assets 2022: $4,745,9352022Assets 2023: $45,048,762Liabilities 2023: $39,541,314Net Assets 2023: $5,507,4482023Assets 2024: $48,383,659Liabilities 2024: $42,234,425Net Assets 2024: $6,149,2342024

Highlighted filing

2024

Assets$48,383,659
Liabilities$42,234,425
Net Assets$6,149,234
Open 2024 Filing

Operations Trend

Revenue Growth33rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,120,2142010Expenses 2011: $1,182,9482011Expenses 2012: $1,130,5982012Revenue 2013: $1,328,249Expenses 2013: $1,234,137Net Income 2013: $94,1122013Revenue 2014: $1,455,437Expenses 2014: $1,254,043Net Income 2014: $201,3942014Revenue 2015: $1,521,358Expenses 2015: $1,326,480Net Income 2015: $194,8782015Revenue 2016: $1,569,047Expenses 2016: $1,369,193Net Income 2016: $199,8542016Revenue 2017: $1,792,868Expenses 2017: $1,489,848Net Income 2017: $303,0202017Revenue 2018: $2,059,960Expenses 2018: $1,594,174Net Income 2018: $465,7862018Revenue 2019: $2,180,517Expenses 2019: $1,815,437Net Income 2019: $365,0802019Revenue 2020: $2,056,244Expenses 2020: $1,891,497Net Income 2020: $164,7472020Revenue 2021: $2,045,889Expenses 2021: $1,798,016Net Income 2021: $247,8732021Revenue 2022: $2,081,086Expenses 2022: $1,886,003Net Income 2022: $195,0832022Revenue 2023: $3,015,493Expenses 2023: $2,230,842Net Income 2023: $784,6512023Revenue 2024: $3,112,184Expenses 2024: $2,470,398Net Income 2024: $641,7862024

Highlighted filing

2024

Revenue$3,112,184
Expenses$2,470,398
Net Income$641,786
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$48,383,659
Liabilities
$42,234,425
Net assets
$6,149,234
Revenue
$3,112,184
Expenses
$2,470,398
Net income
$641,786
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$42.2$6.15$3.11$2.47$0.64
2023Summary only. Only limited summary data is available for this year.$45.0$39.5$5.51$3.02$2.23$0.78
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.2$40.4$4.75$2.08$1.89$0.20
2021Summary only. Only limited summary data is available for this year.$43.8$39.3$4.55$2.05$1.80$0.25
2020Summary only. Only limited summary data is available for this year.$38.3$34.0$4.30$2.06$1.89$0.16
2019Summary only. Only limited summary data is available for this year.$33.0$28.9$4.14$2.18$1.82$0.37
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.5$26.7$3.77$2.06$1.59$0.47
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$26.3$3.31$1.79$1.49$0.30
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.3$23.3$3.00$1.57$1.37$0.20
2015Detailed filing. Detailed filing data is available for this year.$24.7$21.9$2.80$1.52$1.33$0.19
2014Detailed filing. Detailed filing data is available for this year.$22.7$20.1$2.61$1.46$1.25$0.20
2013Detailed filing. Detailed filing data is available for this year.$19.9$17.5$2.41$1.33$1.23$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.7$16.4$2.31$1.13
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$16.0$2.15$1.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.0$15.0$2.01$1.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.0
Gross Receipts
$3,112,184
Mission and Program Overview

Mission

Metro Employees Credit Union is a member owned and operated non-profit financial institution which provides high quality services to meet our member's financial needs today and in the future in a way to ensure the long term viability of the Credit Union. We will provide confidential and personalized service to our members in a fair and equitable manner.

Metro Employees Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,484,943$22,384,276▼ $100,667
Investments Program Related$16,264,036$17,292,336▲ $1,028,300
Rtn Earn Endowment Incm Other Fnds$5,507,448$6,149,234▲ $641,786
Savings and Temporary Cash Investments$4,531,589$5,883,883▲ $1,352,294
Land, Buildings, and Equipment, Net$87,766$976,841▲ $889,075
Cash and Non-Interest-Bearing Accounts$455,867$601,265▲ $145,398
Prepaid Expenses and Deferred Charges$66,663$87,863▲ $21,200
Accounts Receivable$0$0→ $0
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 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$45,048,762$48,383,659▲ $3,334,897
Other Assets Total$1,157,898$1,157,195▼ $703
Liabilities
Other Liabilities$38,887,869$41,663,578▲ $2,775,709
Accounts Payable and Accrued Expenses$653,445$570,847▼ $82,598
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$39,541,314$42,234,425▲ $2,693,111
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,507,448$6,149,234▲ $641,786
Total Liabilities and Net Assets / Fund Balance$45,048,762$48,383,659▲ $3,334,897

Asset Categories

AssetBook ValueDepreciationBasis
Land$578,204-$578,204
Buildings$371,700$0$371,700
Equipment$26,937$263,543$290,480
Investment Program Related Org$142,036--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Piper GrahamPresident/Chief Executive OfficerFT$131,920$37,709$169,629

Board Members and Trustees

NameTitle
Carolyn SmithChairperson of the Board
Jasie CarrollChairperson of the Board
Doug MitchellDirector
James D JacksonDirector
John GosperDirector
Lindsay Luker CurdDirector
Pat TatumDirector
Eunice AusbySecretary of the Board
Ed GivensTreasurer of the Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,141,115
Investment Income
$971,069
Other Revenue
$0
Change in Net Assets
$641,786

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,112,184
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$3,112,184
Total Revenue per Form 990
$3,112,184
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,567,107
Salaries, Compensation, and Employee Benefits$903,291
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$468,798$118,170$0$586,968
Interest$355,812$0$0$355,812
Information Technology$211,939$0$0$211,939
Current Officers, Directors, Trustees, and Key Employees$0$145,588$0$145,588
Office Expenses$132,248$0$0$132,248
Advertising$102,334$0$0$102,334
Fees for Services Other$100,268$0$0$100,268
Other Employee Benefits$56,608$31,850$0$88,458
Occupancy$66,297$7,366$0$73,663
Payroll Taxes$37,002$20,819$0$57,821
Insurance$53,221$0$0$53,221
All Other Expenses$30,691$0$0$30,691
Conferences and Meetings$22,400$4,870$0$27,270
Pension Plan Contributions$15,651$8,805$0$24,456
Fees for Services Accounting$0$19,535$0$19,535
Depreciation Depletion$18,700$0$0$18,700
Fees for Services Management$0$14,051$0$14,051
Other Expenses$0$7,889$0$7,889
Total Functional Expenses$2,091,455$378,943$0$2,470,398

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,470,398
Total Expenses per Audited Statements$2,470,398
Total Expenses per Form 990$2,470,398
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
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
Members share savings$23,536,358
Members draft checking$7,397,537
Members share certificates$7,059,978
Members money market savings$2,418,207
Members IRA certificates$994,570
Members IRA savings$256,928
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed by management and the Board of Directors prior to submission.”

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

“The conflict of interest policy is reviewed by the employees and the Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors. Independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy, and financial documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Metro Employees Credit Union
EIN
61-0599249
Phone
8592583990
Address
1306 Versailles Road, Lexington, KY 40504

Signing Officer

Name
Piper Graham
Title
Chieve Executive Officer
Phone
8592583990
Signed
2025-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Piper Graham
Formed
1940
Legal Domicile
Ky
Voting Board Members
9
Independent Board Members
9
Employees
14
Volunteers
14

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
Raw XML AppendixShowing 400 of 626 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/PersonNm1Jasie Carroll
IRS990/Form990PartVIISectionAGrp/PersonNm2Carolyn Smith
IRS990/Form990PartVIISectionAGrp/PersonNm3Ed Givens
IRS990/Form990PartVIISectionAGrp/PersonNm4Eunice Ausby
IRS990/Form990PartVIISectionAGrp/PersonNm5Pat Tatum
IRS990/Form990PartVIISectionAGrp/PersonNm6John Gosper
IRS990/Form990PartVIISectionAGrp/PersonNm7James D Jackson
IRS990/Form990PartVIISectionAGrp/PersonNm8Lindsay Luker Curd
IRS990/Form990PartVIISectionAGrp/PersonNm9Doug Mitchell
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IRS990/MissionDesc0Metro Employees Credit Union is a member owned and operated non-profit financial institution which provides high quality services to meet our member's financial needs today and in the future in a way to ensure the long term viability of the Credit Union. We will provide confidential and personalized service to our members in a fair and equitable manner.
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