Civic Intelligence

Members Choice Credit Union

EIN 61-6029190 • 501(c)14 • Ashland, KY

View Organization Page

Profile

To provide financial services to credit union members

PO Box 1468Ashland, KY 41105-1468

www.mccu.net

Siviq Scores

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

Liabilities / Assets

87th percentile

0.93x

Higher debt load relative to assets than 87% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2023

Liabilities / Revenue

78th percentile

17.77x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2023

Net Margin

4th percentile

-8.8%

Higher net margin than 4% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

12%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Revenue Growth

91st percentile

30%

Faster revenue growth than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$422,081,368

Up $13,576,234 (+3.3%) from 2024

Liabilities

Up

$387,370,067

Up $11,375,381 (+3.0%) from 2024

Net Assets

Up

$34,711,301

Up $2,200,853 (+6.8%) from 2024

Operations
Liabilities / Revenue78th percentileNet Margin4th percentile

Revenue

Up

$26,891,603

Up $1,298,005 (+5.1%) from 2024

Expenses

Down

$24,690,750

Down $205,956 (-0.8%) from 2024

Net Income

Up

$2,200,853

Up $1,503,961 (+216%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$600M$400M$200M$0Assets 2010: $135,516,686Liabilities 2010: $121,138,813Net Assets 2010: $14,377,8732010Assets 2011: $152,541,967Liabilities 2011: $137,434,649Net Assets 2011: $15,107,3182011Assets 2012: $164,879,452Liabilities 2012: $147,929,242Net Assets 2012: $16,950,2102012Assets 2013: $180,374,221Liabilities 2013: $161,187,865Net Assets 2013: $19,186,3562013Assets 2014: $197,894,814Liabilities 2014: $177,082,062Net Assets 2014: $20,812,7522014Assets 2015: $204,970,526Liabilities 2015: $181,827,178Net Assets 2015: $23,143,3482015Assets 2016: $205,314,450Liabilities 2016: $181,742,464Net Assets 2016: $23,571,9862016Assets 2017: $205,141,623Liabilities 2017: $181,029,525Net Assets 2017: $24,112,0982017Assets 2018: $208,550,678Liabilities 2018: $183,991,250Net Assets 2018: $24,559,4282018Assets 2019: $222,302,116Liabilities 2019: $195,048,053Net Assets 2019: $27,254,0632019Assets 2020: $279,337,766Liabilities 2020: $250,680,597Net Assets 2020: $28,657,1692020Assets 2021: $332,356,623Liabilities 2021: $301,052,555Net Assets 2021: $31,304,0682021Assets 2022: $358,992,351Liabilities 2022: $329,957,241Net Assets 2022: $29,035,1102022Assets 2023: $403,136,466Liabilities 2023: $374,118,631Net Assets 2023: $29,017,8352023Assets 2024: $408,505,134Liabilities 2024: $375,994,686Net Assets 2024: $32,510,4482024Assets 2025: $422,081,368Liabilities 2025: $387,370,067Net Assets 2025: $34,711,3012025

Highlighted filing

2025

Assets$422,081,368
Liabilities$387,370,067
Net Assets$34,711,301
Open 2025 Filing

Operations Trend

Revenue Growth91st percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $6,435,2972010Expenses 2011: $7,279,9942011Expenses 2012: $6,764,0312012Revenue 2013: $8,862,133Expenses 2013: $6,625,987Net Income 2013: $2,236,1462013Revenue 2014: $9,668,234Expenses 2014: $8,041,838Net Income 2014: $1,626,3962014Revenue 2015: $10,580,709Expenses 2015: $8,250,113Net Income 2015: $2,330,5962015Revenue 2016: $10,606,403Expenses 2016: $10,177,765Net Income 2016: $428,6382016Revenue 2017: $10,581,772Expenses 2017: $10,041,660Net Income 2017: $540,1122017Revenue 2018: $11,359,681Expenses 2018: $10,053,862Net Income 2018: $1,305,8192018Revenue 2019: $12,264,781Expenses 2019: $10,397,714Net Income 2019: $1,867,0672019Revenue 2020: $12,047,036Expenses 2020: $10,864,612Net Income 2020: $1,182,4242020Revenue 2021: $13,811,738Expenses 2021: $11,305,183Net Income 2021: $2,506,5552021Revenue 2022: $16,240,826Expenses 2022: $14,364,309Net Income 2022: $1,876,5172022Revenue 2023: $21,048,521Expenses 2023: $22,892,460Net Income 2023: -$1,843,9392023Revenue 2024: $25,593,598Expenses 2024: $24,896,706Net Income 2024: $696,8922024Revenue 2025: $26,891,603Expenses 2025: $24,690,750Net Income 2025: $2,200,8532025

Highlighted filing

2025

Revenue$26,891,603
Expenses$24,690,750
Net Income$2,200,853
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$422,081,368
Liabilities
$387,370,067
Net assets
$34,711,301
Revenue
$26,891,603
Expenses
$24,690,750
Net income
$2,200,853
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$422$387$34.7$26.9$24.7$2.20
2024Detailed filing. Detailed filing data is available for this year.$409$376$32.5$25.6$24.9$0.70
2023Detailed filing. Detailed filing data is available for this year.$403$374$29.0$21.0$22.9$1.84
2022Detailed filing. Detailed filing data is available for this year.$359$330$29.0$16.2$14.4$1.88
2021Detailed filing. Detailed filing data is available for this year.$332$301$31.3$13.8$11.3$2.51
2020Detailed filing. Detailed filing data is available for this year.$279$251$28.7$12.0$10.9$1.18
2019Detailed filing. Detailed filing data is available for this year.$222$195$27.3$12.3$10.4$1.87
2018Detailed filing. Detailed filing data is available for this year.$209$184$24.6$11.4$10.1$1.31
2017Detailed filing. Detailed filing data is available for this year.$205$181$24.1$10.6$10.0$0.54
2016Detailed filing. Detailed filing data is available for this year.$205$182$23.6$10.6$10.2$0.43
2015Detailed filing. Detailed filing data is available for this year.$205$182$23.1$10.6$8.25$2.33
2014Detailed filing. Detailed filing data is available for this year.$198$177$20.8$9.67$8.04$1.63
2013Detailed filing. Detailed filing data is available for this year.$180$161$19.2$8.86$6.63$2.24
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$165$148$17.0$6.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$153$137$15.1$7.28
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$121$14.4$6.44
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 19, 2026
Return Version
2025v4.0
Gross Receipts
$26,891,603
Mission and Program Overview

Mission

To provide financial services to credit union members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$271,523,802$286,200,609▲ $14,676,807
Investments in Publicly Traded Securities$71,228,080$61,866,531▼ $9,361,549
Investments Other Securities$32,006,000$27,130,000▼ $4,876,000
Savings and Temporary Cash Investments$9,397,312$18,851,849▲ $9,454,537
Land, Buildings, and Equipment, Net$14,255,915$15,493,013▲ $1,237,098
Cash and Non-Interest-Bearing Accounts$2,066,585$3,509,844▲ $1,443,259
Accounts Receivable$1,438,179$1,451,781▲ $13,602
Prepaid Expenses and Deferred Charges$694,104$956,551▲ $262,447
Receivables From Officers Etc$298,813$490,404▲ $191,591
Total Assets$408,505,134$422,081,368▲ $13,576,234
Other Assets Total$5,596,344$6,130,786▲ $534,442
Liabilities
Other Liabilities$375,545,997$387,148,298▲ $11,602,301
Accounts Payable and Accrued Expenses$448,689$221,769▼ $226,920
Total Liabilities$375,994,686$387,370,067▲ $11,375,381
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$30,480,510$32,681,363▲ $2,200,853
Net Assets With Donor Restrictions$2,029,938$2,029,938→ $0
Total Net Assets Fund Balance$32,510,448$34,711,301▲ $2,200,853
Total Liabilities and Net Assets / Fund Balance$408,505,134$422,081,368▲ $13,576,234

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,933,467$3,549,098$15,482,565
Equipment$1,092,131$2,408,038$3,500,169
Land$2,112,549-$2,112,549
Other Securities$27,130,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Jason SumanPresident anFT$285,914$285,914
Jason SumanPresident and CEO-$285,914$285,914
Todd BushSenior VP -FT$121,597$121,597

Board Members and Trustees

NameTitle
Rod HienemanVice Chairma
Bryan SmithDirector
Don NeikirkDirector
Donna Q HewlettDirector
Gary DarnellDirector
John TownsendDirector
Ken SmithSecretary-tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,441,300
Investment Income
$3,450,303
Other Revenue
$0
Change in Net Assets
$2,200,853

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,891,603
Total Revenue per Audited Statements
$26,891,603
Total Revenue per Form 990
$26,891,603
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,996,124
Salaries, Compensation, and Employee Benefits$7,694,626
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$8,495,995$212,245-$8,708,240
Other Salaries and Wages-$4,650,491-$4,650,491
Other Employee Benefits-$1,757,468-$1,757,468
All Other Expenses-$1,404,023-$1,404,023
Information Technology-$1,063,103-$1,063,103
Occupancy-$567,569-$567,569
Pension Plan Contributions-$483,345-$483,345
Depreciation Depletion-$429,320-$429,320
Other Expenses-$409,667-$409,667
Current Officers, Directors, Trustees, and Key Employees-$407,511-$407,511
Payroll Taxes-$395,811-$395,811
Advertising-$272,448-$272,448
Fees for Services Other-$199,247-$199,247
Insurance-$158,218-$158,218
Conferences and Meetings-$136,669-$136,669
Office Expenses-$100,990-$100,990
Fees for Services Legal-$86,185-$86,185
Travel-$71,877-$71,877
Fees for Service Investment Mgmnt Fees-$49,687-$49,687
Fees for Services Accounting-$22,519-$22,519
Total Functional Expenses$8,495,995$16,194,755$0$24,690,750

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$24,690,750
Total Expenses per Audited Statements$24,690,750
Total Expenses per Form 990$24,690,750
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
See Sch L Part Ii--No-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$298,813$490,404▲ $191,591
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$92,590,795
Share Certificates$85,682,630
SHARE CERTIFICATES >= 250,000$54,926,550
Money Market Shares$36,692,616
Share Draft Accounts$34,190,594
Ira Certificates$26,062,794
Ira Shares$13,621,686
Borrowed Money$12,600,000
Business Share Certificates$6,806,134
Business Share Draft Accounts$5,651,992
Vacation Savings Shares$4,046,922
Christmas Savings Shares$3,591,438
Business Money Market$3,551,351
Business Shares$3,208,897
Secondary Share$3,068,905
Escrow Shares$824,175
Hsa Ira Shares$387,232
New Card Clearing$99,017
Bill Pay Settlement$32,900
Sep Shares$5,301
Check Stop Pay Clearing$240
Rounding$-1
Fednow Clearing$-120
Itm 2 Cash Deposit Clearing$-5,004
Itm 1 Cash Deposit Clearing$-5,551
Pay by Phone Settlement$-6,918
Bookkeeping Parking Lot & Collection$-104,432
Ach Clearing$-371,845
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

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

“Annual conflict of interest questionnaire must be completed and reviewed by credit union president”

Form 990, Page 6, Part VI, Line 19

“Credit union governing documents, conflict of interest policy and financial statements are not required to to be made available to the public”

Filing and Contact Details

Filer

Filer Name
Members Choice Credit Union
EIN
61-6029190
Phone
6063268000
Address
PO BOX 1468, ASHLAND, KY 41105-1468

Signing Officer

Name
Todd Bush
Title
Senior VP - CFO
Phone
6063268000
Signed
2026-03-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jason Suman
Formed
1932
Legal Domicile
Ky
Voting Board Members
7
Independent Board Members
7
Employees
128

Preparer

Firm
Kelley Galloway Smith Goolsby Psc
Address
1200 CORPORATE COURT PO BOX 990, ASHLAND, KY 41105-0990
Preparer
K Anthony Workman CPA
Phone
6063291811
Raw XML AppendixShowing 400 of 587 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/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0SEE SCH L PART II
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