Civic Intelligence

Members First Credit Union

EIN 62-0579408 • Cleveland, TN

1007 Keith Street NWCleveland, TN 37311
Siviq Scores

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

Liabilities / Assets

90th percentile

0.72x

Higher debt load relative to assets than 90% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Liabilities / Revenue

98th percentile

13.24x

Higher debt load relative to revenue than 98% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Net Margin

36th percentile

-0.6%

Higher net margin than 36% of similar nonprofits.

$5M-$10M nonprofits • Source year 2011

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

39th percentile

0.8%

Faster asset growth than 39% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2011

Balance Sheet
Liabilities / Assets90th percentile

Assets

Up

$5,008,488

Up $39,746 (+0.8%) from 2010

Liabilities

Up

$3,622,815

Up $15,962 (+0.4%) from 2010

Net Assets

Up

$1,385,673

Up $23,784 (+1.7%) from 2010

Operations
Liabilities / Revenue98th percentileNet Margin36th percentile

Revenue

$273,665

No earlier filing loaded for comparison.

Expenses

Down

$275,419

Down $6,258 (-2.2%) from 2010

Net Income

-$1,754

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth39th percentile

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

$6.0M$4.0M$2.0M$0Assets 2010: $4,968,742Liabilities 2010: $3,606,853Net Assets 2010: $1,361,8892010Assets 2011: $5,008,488Liabilities 2011: $3,622,815Net Assets 2011: $1,385,6732011

Highlighted filing

2011

Assets$5,008,488
Liabilities$3,622,815
Net Assets$1,385,673
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$300K$200K$100K$0-$100KExpenses 2010: $281,6772010Revenue 2011: $273,665Expenses 2011: $275,419Net Income 2011: -$1,7542011

Highlighted filing

2011

Revenue$273,665
Expenses$275,419
Net Income-$1,754
Open 2011 Filing

Filings

Most recent year

2011 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$5,008,488
Liabilities
$3,622,815
Net assets
$1,385,673
Revenue
$273,665
Expenses
$275,419
Net income
-$1,754
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2011Summary only. Only limited summary data is available for this year.$5.01$3.62$1.39$0.27$0.28$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.97$3.61$1.36$0.28
Latest Detailed Filing

The latest 2011 filing currently has summary financial data only. Showing the latest detailed filing from 2010 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Aug 3, 2011
Return Version
2010v3.2
Gross Receipts
$254,244
Filing and Contact Details

Filer

EIN
62-0579408
Raw XML Appendix380 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE CHARTER AND BY-LAWS CALL FOR AN ANNUAL ELECTION
IRS990ScheduleO/GeneralExplanation/Explanation1OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED
IRS990ScheduleO/GeneralExplanation/Explanation2TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE CANDIDATES FOR DIRECTOR ARE NOMINATED BY A NOMINATING
IRS990ScheduleO/GeneralExplanation/Explanation4COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation5ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BY-LAWS.
IRS990ScheduleO/GeneralExplanation/Explanation6UNDER THE BY-LAWS, THE DIRECTORS MEET MONTHLY TO REVIEW THE
IRS990ScheduleO/GeneralExplanation/Explanation7OPERATIONS OF THE CREDIT UNION. THEIR ACTIONS ARE DOCUMENTED
IRS990ScheduleO/GeneralExplanation/Explanation8IN WRITTEN MONTHLY MINUTES. THE BOARD OF DIRECTORS APROVE THE
IRS990ScheduleO/GeneralExplanation/Explanation9OPERATING POLICIES THAT DIRECT MANAGEMENT IN THE DAY-TO-DAY OPERATIONS
IRS990ScheduleO/GeneralExplanation/Explanation10OF THE CREDIT UNION. THE BOARD OF DIRECTORS APPOINT COMMITTEES TO OVERSEE
IRS990ScheduleO/GeneralExplanation/Explanation11SPECIFIC OPERATIONS OF THE CREDIT UNION INCLUDING AN AUDIT COMMITTEE, WHICH
IRS990ScheduleO/GeneralExplanation/Explanation12HIRES AN INDEPENDENT AUDITOR TO PERFORM AN ANNUAL AUDIT OF THE CREDIT UNION
IRS990ScheduleO/GeneralExplanation/Explanation13AND PERSONNEL COMMITTEE WHICH RECOMMENDS AN OVERALL COMPENSATION PLAN FOR
IRS990ScheduleO/GeneralExplanation/Explanation14THE CREDIT UNION AS A WHOLE. COMMITTEE MINUTES ARE MAINTAINED. COMMITTEE
IRS990ScheduleO/GeneralExplanation/Explanation15RECOMMENDATIONS ARE VOTED ON/APPROVED BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation16THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE
IRS990ScheduleO/GeneralExplanation/Explanation17CEO, MANAGEMENT, AND STAFF BASED ON AN ANNUAL SURVEY OF
IRS990ScheduleO/GeneralExplanation/Explanation18COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOB
IRS990ScheduleO/GeneralExplanation/Explanation19CLASSIFICATIONS AND OTHER FACTORS. THE OVERALL COMPENSATION
IRS990ScheduleO/GeneralExplanation/Explanation20PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED
IRS990ScheduleO/GeneralExplanation/Explanation21BY THE BOARD OF DIRECTORS. FOR STAFF, THE CEO AND/OR DEPARTMENT
IRS990ScheduleO/GeneralExplanation/Explanation22MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED
IRS990ScheduleO/GeneralExplanation/Explanation23TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE
IRS990ScheduleO/GeneralExplanation/Explanation24PERSONNEL COMMITTEE AND BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation25THIS FORM 990 WAS PROVIDED TO ALL BOARD MEMBERS FOR REVIEW BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation26OFFICE OPERATIONS EDUCATION & PROMOTION LOAN SERVICING PROFESSIONAL & OUTSIDE LOAN LOSS PROVISION MEMBER INSURANCE EXAMINATION FEES MISCELLANEOUS EXPENSES
IRS990ScheduleO/GeneralExplanation/Explanation27PROVISION FOR LOAN & LEASE LOSSES 5000. 5000. EDUCATIONAL & PROMOTIONAL EXP 50. 50. MISC OPERATING EXP 5118. 5118.
IRS990ScheduleO/GeneralExplanation/Explanation28THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY,
IRS990ScheduleO/GeneralExplanation/Explanation29ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO
IRS990ScheduleO/GeneralExplanation/Explanation30DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO
IRS990ScheduleO/GeneralExplanation/Explanation31CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE
IRS990ScheduleO/GeneralExplanation/Explanation32BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation33WRITTEN COPIES OF POLICIES AND PROCEDURES ARE PROVIDED
IRS990ScheduleO/GeneralExplanation/Explanation34TO MEMBERS UPON REQUEST. MONTHLY FINANCIAL REPORTS
IRS990ScheduleO/GeneralExplanation/Explanation35ARE POSTED IN THE LOBBY FOR MEMBERS' REVIEW. UPON REQUEST,
IRS990ScheduleO/GeneralExplanation/Explanation36COPIES OF THE CREDIT UNION'S ANNUAL FORM 990 IS PROVIDED
IRS990ScheduleO/GeneralExplanation/Explanation37TO ANY MEMBER OR NON-MEMBER THAT REQUESTS A COPY.
IRS990ScheduleO/GeneralExplanation/Explanation38THE CREDIT UNION HAS A RECORDS RETENTION & DESTRUCTION POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation39INCREASE IN RESERVE FOR CONTINGENCIES.
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ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0620579408
ReturnHeader/Filer/Name/BusinessNameLine10MEMBERS FIRST CREDIT UNION
ReturnHeader/Filer/NameControl0MEMB
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ReturnHeader/Filer/USAddress/City0CLEVELAND
ReturnHeader/Filer/USAddress/State0TN
ReturnHeader/Filer/USAddress/ZIPCode037311
ReturnHeader/Officer/DateSigned02011-08-03
ReturnHeader/Officer/Name0CHERYL INSCORE
ReturnHeader/Officer/Phone04234722300
ReturnHeader/Officer/Title0MANAGER
ReturnHeader/Preparer/DatePrepared02011-08-03
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PETERS & ASSOCIATES PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine109040 EXECUTIVE PARK DR STE 325
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0KNOXVILLE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0TN
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode037923
ReturnHeader/Preparer/Name0CRAIG PETERS
ReturnHeader/Preparer/Phone08656947128
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-08-03T08:28:30-07:00

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