Civic Intelligence

Mpd Community Credit Union

EIN 62-6074064 • 501(c)14 • Nashville, TN

Profile

Credit union - to provide services for approximately 3,160 members in the form of loans, savings, and other financial services.

2711 Old Lebanon RoadNashville, TN 37214

www.mpdcu.org

Siviq Scores

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

Liabilities / Assets

56th percentile

0.89x

Higher debt load relative to assets than 56% of similar nonprofits.

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

Liabilities / Revenue

24th percentile

13.44x

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

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

Net Margin

67th percentile

15%

Higher net margin than 67% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

66th percentile

1.7%

Faster asset growth than 66% of similar nonprofits.

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

Revenue Growth

36th percentile

3.9%

Faster revenue growth than 36% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$36,671,105

Up $629,960 (+1.7%) from 2023

Liabilities

Up

$32,580,362

Up $259,076 (+0.8%) from 2023

Net Assets

Up

$4,090,743

Up $370,884 (+10.0%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin67th percentile

Revenue

Up

$2,424,252

Up $90,815 (+3.9%) from 2023

Expenses

Up

$2,053,368

Up $171,297 (+9.1%) from 2023

Net Income

Down

$370,884

Down $80,482 (-18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth66th percentile

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

$40M$30M$20M$10M$0Assets 2010: $21,862,423Liabilities 2010: $20,218,490Net Assets 2010: $1,643,9332010Assets 2011: $23,358,865Liabilities 2011: $21,609,083Net Assets 2011: $1,749,7822011Assets 2012: $24,759,652Liabilities 2012: $22,941,884Net Assets 2012: $1,817,7682012Assets 2013: $24,467,595Liabilities 2013: $22,542,075Net Assets 2013: $1,925,5202013Assets 2014: $24,053,767Liabilities 2014: $22,079,795Net Assets 2014: $1,973,9722014Assets 2015: $24,956,955Liabilities 2015: $22,821,868Net Assets 2015: $2,135,0872015Assets 2016: $25,998,716Liabilities 2016: $23,646,523Net Assets 2016: $2,352,1932016Assets 2017: $27,006,229Liabilities 2017: $24,366,047Net Assets 2017: $2,640,1822017Assets 2018: $27,516,582Liabilities 2018: $24,654,972Net Assets 2018: $2,861,6102018Assets 2019: $28,413,583Liabilities 2019: $25,425,295Net Assets 2019: $2,988,2882019Assets 2020: $32,013,430Liabilities 2020: $28,990,232Net Assets 2020: $3,023,1982020Assets 2021: $34,721,145Liabilities 2021: $31,556,227Net Assets 2021: $3,164,9182021Assets 2022: $36,907,869Liabilities 2022: $33,588,829Net Assets 2022: $3,319,0402022Assets 2023: $36,041,145Liabilities 2023: $32,321,286Net Assets 2023: $3,719,8592023Assets 2024: $36,671,105Liabilities 2024: $32,580,362Net Assets 2024: $4,090,7432024

Highlighted filing

2024

Assets$36,671,105
Liabilities$32,580,362
Net Assets$4,090,743
Open 2024 Filing

Operations Trend

Revenue Growth36th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,378,8862010Expenses 2011: $1,519,7912011Expenses 2012: $1,457,3002012Revenue 2013: $1,522,480Expenses 2013: $1,414,982Net Income 2013: $107,4982013Revenue 2014: $1,478,214Expenses 2014: $1,430,052Net Income 2014: $48,1622014Revenue 2015: $1,433,762Expenses 2015: $1,272,647Net Income 2015: $161,1152015Revenue 2016: $1,481,131Expenses 2016: $1,264,298Net Income 2016: $216,8332016Revenue 2017: $1,471,957Expenses 2017: $1,183,969Net Income 2017: $287,9882017Revenue 2018: $1,499,362Expenses 2018: $1,277,960Net Income 2018: $221,4022018Revenue 2019: $1,570,020Expenses 2019: $1,443,343Net Income 2019: $126,6772019Revenue 2020: $1,425,455Expenses 2020: $1,390,776Net Income 2020: $34,6792020Revenue 2021: $1,411,129Expenses 2021: $1,284,812Net Income 2021: $126,3172021Revenue 2022: $1,648,361Expenses 2022: $1,495,056Net Income 2022: $153,3052022Revenue 2023: $2,333,437Expenses 2023: $1,882,071Net Income 2023: $451,3662023Revenue 2024: $2,424,252Expenses 2024: $2,053,368Net Income 2024: $370,8842024

Highlighted filing

2024

Revenue$2,424,252
Expenses$2,053,368
Net Income$370,884
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
$36,671,105
Liabilities
$32,580,362
Net assets
$4,090,743
Revenue
$2,424,252
Expenses
$2,053,368
Net income
$370,884
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.7$32.6$4.09$2.42$2.05$0.37
2023Summary only. Only limited summary data is available for this year.$36.0$32.3$3.72$2.33$1.88$0.45
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.9$33.6$3.32$1.65$1.50$0.15
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.7$31.6$3.16$1.41$1.28$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.0$29.0$3.02$1.43$1.39$0.03
2019Summary only. Only limited summary data is available for this year.$28.4$25.4$2.99$1.57$1.44$0.13
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.5$24.7$2.86$1.50$1.28$0.22
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.0$24.4$2.64$1.47$1.18$0.29
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.0$23.6$2.35$1.48$1.26$0.22
2015Detailed filing. Detailed filing data is available for this year.$25.0$22.8$2.14$1.43$1.27$0.16
2014Detailed filing. Detailed filing data is available for this year.$24.1$22.1$1.97$1.48$1.43$0.05
2013Detailed filing. Detailed filing data is available for this year.$24.5$22.5$1.93$1.52$1.41$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.8$22.9$1.82$1.46
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.4$21.6$1.75$1.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.9$20.2$1.64$1.38
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 14, 2025
Return Version
2024v5.0
Gross Receipts
$2,424,252
Mission and Program Overview

Mission

To provide services for approximately 2,836 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$25,617,493$25,568,856▼ $48,637
Savings and Temporary Cash Investments-$5,996,000-
Rtn Earn Endowment Incm Other Fnds$2,433,575$4,090,743▲ $1,657,168
Cash and Non-Interest-Bearing Accounts$1,355,887$2,758,604▲ $1,402,717
Cap Stk Tr Prin Current Funds$1,286,284--
Land, Buildings, and Equipment, Net$880,333$1,088,571▲ $208,238
Investments Other Securities$7,107,135$560,580▼ $6,546,555
Other Notes and Loans Receivable, Net$400,000--
Prepaid Expenses and Deferred Charges$180,836$242,156▲ $61,320
Total Assets$36,041,145$36,671,105▲ $629,960
Other Assets Total$499,461$456,338▼ $43,123
Liabilities
Other Liabilities$32,140,677$32,516,456▲ $375,779
Accounts Payable and Accrued Expenses$180,609$63,906▼ $116,703
Total Liabilities$32,321,286$32,580,362▲ $259,076
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,719,859$4,090,743▲ $370,884
Total Liabilities and Net Assets / Fund Balance$36,041,145$36,671,105▲ $629,960

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$617,557$172,581$790,138
Equipment$149,562$292,338$441,900
Land$321,452-$321,452
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Stephanie MasonCEOFT$97,729$97,729

Board Members and Trustees

NameTitle
Keith SutherlandBoard Chairm
Rhonda KingBoard Secret
Trevor NelsonBoard Treasu
Joshua McdowellAssociate Bo
Misty HobbsBod 1st Vice
John BoeseBod 2nd Vice
Brad BurnsSuperviosry
Kenneth F Mcalister JrSupervisor C
Steve TurnerSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,839,398
Investment Income
$295,546
Other Revenue
$289,308
Change in Net Assets
$370,884
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,363,862
Salaries, Compensation, and Employee Benefits$689,506
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$570,489-$570,489
Interest-$378,044-$378,044
Office Expenses-$249,103-$249,103
Occupancy-$89,700-$89,700
Other Employee Benefits-$48,929-$48,929
Conferences and Meetings-$48,904-$48,904
Payroll Taxes-$43,723-$43,723
Other Expenses-$31,418-$31,418
All Other Expenses-$28,103-$28,103
Pension Plan Contributions-$26,365-$26,365
Total Functional Expenses$0$2,053,368$0$2,053,368
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
Regular Shares$16,857,630
All Other Shares$10,231,531
Share Drafts$5,427,295
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

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

“The board of directors monitor and enforce the conflict of interest policy.”

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

“The board of directors use a comparison of credit union compensation from cuna.”

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

“The board of directors use a comparison of credit union compensation.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Mpd Community Credit Union
EIN
62-6074064
Phone
6157827220
Address
2711 OLD LEBANON ROAD, NASHVILLE, TN 37214

Signing Officer

Name
Stephanie Mason
Title
CEO
Phone
6157827220
Signed
2025-05-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephanie Mason
Formed
1992
Legal Domicile
Tn
Voting Board Members
5
Independent Board Members
5
Employees
14
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“OTHER ADJUSTMENTS 0”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix376 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.

Path#Value
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IRS990/BooksInCareOfDetail/PhoneNum06157827220
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IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
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IRS990/CYTotalRevenueAmt02424252
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
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IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/EmployeeCnt014
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/OtherExpensesGrp/Desc3EDUCATION AL & PROMO EXP
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt263974
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt331418
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0570489
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0242156
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/PYOtherExpensesAmt01161050
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IRS990/PYSalariesCompEmpBnftPaidAmt0721021
IRS990/PYTotalExpensesAmt01882071
IRS990/PYTotalRevenueAmt02333437
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0292338
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0441900
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0321452
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IRS990ScheduleD/TotalLiabilityAmt032516456
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION FROM CUNA.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10OTHER ADJUSTMENTS 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART XII
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02053368
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt032321286
IRS990/TotalLiabilitiesEOYAmt032580362
IRS990/TotalLiabilitiesGrp/BOYAmt032321286
IRS990/TotalLiabilitiesGrp/EOYAmt032580362
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04090743
IRS990/TotalProgramServiceExpensesAmt02053368
IRS990/TotalProgramServiceRevenueAmt01839398
IRS990/TotalReportableCompFromOrgAmt097729
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02424252
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02424252
IRS990/TotalVolunteersCnt09
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt036671105
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0NASHVILLE
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IRS990/USAddress/ZIPCd0372142516
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.MPDCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEPHANIE MASON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06157827220
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MPD COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MPDC
ReturnHeader/Filer/EIN0626074064
ReturnHeader/Filer/PhoneNum06157827220
ReturnHeader/Filer/USAddress/AddressLine1Txt02711 OLD LEBANON ROAD
ReturnHeader/Filer/USAddress/CityNm0NASHVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037214
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-15T11:09:54-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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