Civic Intelligence

Members Choice Credit Union

990 • Fiscal year 2012 • EIN 61-6029190

Jan 01, 2012 to Dec 31, 2012 • Filed on Jul 26, 2013

Organization ProfileWWW.MCCU.NET

View Organization Page

PO Box 146841105-1468
Siviq Scores

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

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

77th percentile

8.1%

Faster asset growth than 77% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$164,879,452

Up $12,337,485 (+8.1%) from 2011

Net Assets

Up

$16,950,210

Up $1,842,892 (+12%) from 2011

Liabilities

Up

$147,929,242

Up $10,494,593 (+7.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$6,764,031

Down $515,963 (-7.1%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth77th percentile

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

$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

2012

Assets$164,879,452
Liabilities$147,929,242
Net Assets$16,950,210
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$6,764,031
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Jul 26, 2013
Return Version
2012v2.1
Gross Receipts
$8,606,923
Mission and Program Overview

Mission

To provide financial services to credit union members

Filing and Contact Details

Filer

EIN
61-6029190
Raw XML AppendixShowing 400 of 476 raw XML fields

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IRS990ScheduleO/GeneralExplanation/Explanation0ALL DEPOSITORS OF THE CREDIT UNION ARE "MEMBERS"
IRS990ScheduleO/GeneralExplanation/Explanation1THE CREDIT UNION HOLDS AN ANNUAL MEETING AT WHICH THE BOARD OF DIRECTORS IS ELECTED BY THE ATTENDING MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation2CREDIT UNION PRESIDENT REVIEWS FORM 990 PRIOR TO FILING
IRS990ScheduleO/GeneralExplanation/Explanation3ANNUAL CONFLICT OF INTEREST QUESTIONNAIRE MUST BE COMPLETED AND REVIEWED BY CREDIT UNION PRESIDENT
IRS990ScheduleO/GeneralExplanation/Explanation4CREDIT UNION GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE NOT REQUIRED TO TO BE MADE AVAILABLE TO THE PUBLIC
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION HAS NOT CHANGED ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990. PART XII. LINE 2C
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0KY
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/TemporarilyRestrictedNetAssets/BOY01935323
IRS990/TemporarilyRestrictedNetAssets/EOY01935323
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10145 RUSSELL ROAD
IRS990/TheBooksAreInCareOf/AddressUS/City0ASHLAND
IRS990/TheBooksAreInCareOf/AddressUS/State0KY
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode041101

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$164,879,452
Liabilities
$147,929,242
Net assets
$16,950,210
Revenue
-
Expenses
$6,764,031
Net income
-
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