Liabilities / Assets
66th percentile
Higher debt load relative to assets than 66% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
21st percentile
Higher debt load relative to revenue than 21% of similar nonprofits.
Net Margin
66th percentile
Higher net margin than 66% of similar nonprofits.
Top Officer Pay
25th percentile
Higher top officer pay than 25% of similar nonprofits.
Top officer pay equals 3.8% of source-year revenue.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
89th percentile
Faster revenue growth than 89% of similar nonprofits.
Balance Sheet
Assets
Flat$36,041,145
Flat from 2023
Net Assets
Flat$3,719,859
Flat from 2023
Liabilities
Flat$32,321,286
Flat from 2023
Revenue And Expenses
Revenue
Flat$2,333,437
Flat from 2023
Expenses
Flat$1,882,071
Flat from 2023
Net Income
Flat$451,366
Flat from 2023
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2023 to Dec 31, 2023
- Signed
- Jul 18, 2024
- Return Version
- 2023v5.1
- Gross Receipts
- $2,333,437
Mission and Program Overview
Mission
Credit union - to provide services for approximately 2,947 members in the form of loans, savings, and other financial services.
To provide financial services for its members
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $24,247,703 | $25,617,493 | ▲ $1,369,790 |
| Investments Other Securities | $7,611,246 | $7,107,135 | ▼ $504,111 |
| Rtn Earn Endowment Incm Other Fnds | $2,103,689 | $2,433,575 | ▲ $329,886 |
| Cash and Non-Interest-Bearing Accounts | $3,253,500 | $1,355,887 | ▼ $1,897,613 |
| Cap Stk Tr Prin Current Funds | $1,215,351 | $1,286,284 | ▲ $70,933 |
| Land, Buildings, and Equipment, Net | $913,567 | $880,333 | ▼ $33,234 |
| Receivables From Officers Etc | $400,000 | $400,000 | → $0 |
| Prepaid Expenses and Deferred Charges | $92,255 | $180,836 | ▲ $88,581 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Total Assets | $36,907,869 | $36,041,145 | ▼ $866,724 |
| Other Assets Total | $389,598 | $499,461 | ▲ $109,863 |
| Liabilities | |||
| Other Liabilities | $33,450,237 | $32,140,677 | ▼ $1,309,560 |
| Accounts Payable and Accrued Expenses | $138,592 | $180,609 | ▲ $42,017 |
| Total Liabilities | $33,588,829 | $32,321,286 | ▼ $1,267,543 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,319,040 | $3,719,859 | ▲ $400,819 |
| Total Liabilities and Net Assets / Fund Balance | $36,907,869 | $36,041,145 | ▼ $866,724 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $490,784 | $153,854 | $644,638 |
| Land | $321,452 | - | $321,452 |
| Equipment | $68,097 | $249,557 | $317,654 |
| Other Securities | $7,107,135 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Stephanie Mason | CEO | FT | $87,857 | $1,313 | $89,170 |
Board Members and Trustees
| Name | Title |
|---|---|
| Troy Gossett | Chairman |
| Kenneth F Mcalister Jr | Supervisor COM Chair |
| Keith Sutherland | 1st Vice Chairman |
| Misty Hobbs | 2nd Vice Chairman |
| Rhonda King | Secretary |
| Brad Burns | Supervisory COM Member |
| Jonathan Boese | Supervisory COM Member |
| Karla a Knisley | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,616,922
- Investment Income
- $189,655
- Other Revenue
- $526,860
- Change in Net Assets
- $451,366
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,161,050 |
| Salaries, Compensation, and Employee Benefits | $721,021 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $518,601 |
| All Other Expenses | - | - | - | $260,472 |
| Office Expenses | - | - | - | $232,591 |
| Interest | - | - | - | $201,958 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $87,857 |
| Occupancy | - | - | - | $59,493 |
| Other Expenses | - | - | - | $51,126 |
| Payroll Taxes | - | - | - | $47,536 |
| Other Employee Benefits | - | - | - | $42,937 |
| Advertising | - | - | - | $41,383 |
| Payment Travel Entrtnmnt Publicly Ofcl | - | - | - | $37,457 |
| Pension Plan Contributions | - | - | - | $24,090 |
| Conferences and Meetings | - | - | - | $9,206 |
| Fees for Services Legal | - | - | - | $1,883 |
| Total Functional Expenses | $0 | $0 | $0 | $1,882,071 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $400,000 | $400,000 | → $0 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $17,371,618 |
| All Other Shares | $8,537,448 |
| Share Drafts | $6,231,611 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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, Part VI, Section A, Line 6
“The credit union is owned by the members”
Form 990, Part VI, Section A, 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, Part VI, Section A, Line 7B
“Some decisions made by the board of directors are affirmed by the members.”
Form 990, Part VI, Section B, Line 11B
“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”
Form 990, Part VI, Section B, Line 12C
“The board of directors monitor and enforce the conflict of interest policy.”
Form 990, Part VI, Section B, Line 15
“The board of directors use a comparison of credit union compensation from cuna.”
Form 990, Part VI, Section C, 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
- 2024-07-18
- 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
- 11
Preparer
- Firm
- Carr Riggs & Ingram LLC
- Address
- 3011 ARMORY DRIVE SUITE 300, NASHVILLE, TN 37204
- Preparer
- Richard W Betts
- Phone
- 6156651811
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Cmcflex 34,129. Subscriptions 26,802. Supervisory committee audit 19,600. Professional & outside services 19,362. Homecu llc 17,326. Paychex 15,684. Member privilege/pinnacle fin 14,400. Consulting services 13,173. Homecu llc/web design 11,250. Statement processing 9,718. State exam fee 9,599. Credit reports 9,420. Atm operating expense 8,525. Tennessee credit union league 7,779. Annual meeting expenses 6,900. Co-op financial services 6,728. Management consulting fees 6,252. Mid-atla,ntic bill pay 3,870. Collection expenses 3,254. Asset liability management 3,198. Loan servicing expenses 2,965. Record retention 2,125. Accel financial fitness progr 1,743. Onholdworx 1,460. Advance fraud solutions 1,350. Employee recognition 1,300. Payments first(formerly tacha 1,149. Document shredding service-ma 704. Urban ft/rdc 395. Icul plastic card expense 274. Misc operating expenses 85. Cash over and short -47.”
FORM 990, PART XI, LINE 9:
“One-time adjustment for cecl (as determined under 702.703(b)) -50,555. Rounding 8.”
Raw XML Appendix386 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/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 180609 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 24247703 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 25617493 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS |
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| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 260472 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6157827220 |
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| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | NASHVILLE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 37214 |
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| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
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| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 1286284 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1355887 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/ConservationEasementsInd | 0 | 0 |
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| IRS990/CYTotalExpensesAmt | 0 | 1882071 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 2333437 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 14 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 1680112 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1883 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 1313 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | TROY GOSSETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KEITH SUTHERLAND |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | MISTY HOBBS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | KARLA A KNISLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | RHONDA KING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | STEPHANIE MASON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | KENNETH F MCALISTER JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BRAD BURNS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JONATHAN BOESE |
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| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | SUPERVISOR COM CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPERVISORY COM MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPERVISORY COM MEMBER |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1992 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 5 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
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| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 5 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 201958 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 189655 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 189655 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 7611246 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 7107135 |
| IRS990/IRPDocumentCnt | 0 | 482 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 403411 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 913567 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 880333 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1283744 |
| IRS990/LegalDomicileStateCd | 0 | TN |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | TO PROVIDE SERVICES FOR APPROXIMATELY 2,804 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3319040 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3719859 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 59493 |
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| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
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| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 499461 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -50547 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 42937 |
| IRS990/OtherExpensesGrp/Desc | 0 | VISA DEBIT CARD |
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| IRS990/OtherExpensesGrp/Desc | 3 | PROVISION FOR LOAN LOSS |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 79321 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 54156 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 51126 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 33450237 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 32140677 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
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| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 526860 |
| IRS990/OtherRevenueTotalAmt | 0 | 526860 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 518601 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 47536 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 24090 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 92255 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 180836 |
| IRS990/PrincipalOfficerNm | 0 | STEPHANIE MASON |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1484836 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 132086 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1484836 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 132086 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 201958 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 106464 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 37457 |
| IRS990/PYOtherExpensesAmt | 0 | 910971 |
| IRS990/PYOtherRevenueAmt | 0 | 308929 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1232968 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 153305 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 584085 |
| IRS990/PYTotalExpensesAmt | 0 | 1495056 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1648361 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 400000 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 400000 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 451366 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2103689 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2433575 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 490784 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 153854 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 644638 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 68097 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 249557 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 317654 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 321452 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 321452 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 17371618 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 8537448 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 6231611 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE DRAFTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 7107135 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | INVESTMENTS - OTHER SECURITIES |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 880333 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 7107135 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 32140677 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 400000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | SPLIT DOLLAR PLAN LOAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 400000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | STEPHANIE MASON |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 400000 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS OWNED BY THE MEMBERS |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE BOARD OF DIRECTORS USE A COMPARISON OF CREDIT UNION COMPENSATION FROM CUNA. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | CMCFLEX 34,129. SUBSCRIPTIONS 26,802. SUPERVISORY COMMITTEE AUDIT 19,600. PROFESSIONAL & OUTSIDE SERVICES 19,362. HOMECU LLC 17,326. PAYCHEX 15,684. MEMBER PRIVILEGE/PINNACLE FIN 14,400. CONSULTING SERVICES 13,173. HOMECU LLC/WEB DESIGN 11,250. STATEMENT PROCESSING 9,718. STATE EXAM FEE 9,599. CREDIT REPORTS 9,420. ATM OPERATING EXPENSE 8,525. TENNESSEE CREDIT UNION LEAGUE 7,779. ANNUAL MEETING EXPENSES 6,900. CO-OP FINANCIAL SERVICES 6,728. MANAGEMENT CONSULTING FEES 6,252. MID-ATLA,NTIC BILL PAY 3,870. COLLECTION EXPENSES 3,254. ASSET LIABILITY MANAGEMENT 3,198. LOAN SERVICING EXPENSES 2,965. RECORD RETENTION 2,125. ACCEL FINANCIAL FITNESS PROGR 1,743. ONHOLDWORX 1,460. ADVANCE FRAUD SOLUTIONS 1,350. EMPLOYEE RECOGNITION 1,300. PAYMENTS FIRST(FORMERLY TACHA 1,149. DOCUMENT SHREDDING SERVICE-MA 704. URBAN FT/RDC 395. ICUL PLASTIC CARD EXPENSE 274. MISC OPERATING EXPENSES 85. CASH OVER AND SHORT -47. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | ONE-TIME ADJUSTMENT FOR CECL (AS DETERMINED UNDER 702.703(B)) -50,555. ROUNDING 8. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART IX, LINE 24E |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XI, LINE 9: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | TN |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 36907869 |
| IRS990/TotalAssetsEOYAmt | 0 | 36041145 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 36907869 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 36041145 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 14 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1882071 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 33588829 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 32321286 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 33588829 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 32321286 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3319040 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3719859 |
| IRS990/TotalOtherCompensationAmt | 0 | 1313 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1882070 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1616922 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 87857 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2333437 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2333437 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 36907869 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 36041145 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 2711 OLD LEBANON ROAD |
| IRS990/USAddress/CityNm | 0 | NASHVILLE |
| IRS990/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/USAddress/ZIPCd | 0 | 37214 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WWW.MPDCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd | 0 | AAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd | 0 | IAL1 |
| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd | 0 | 2 |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | STEPHANIE MASON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6157827220 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2024-07-18 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | MPD COMMUNITY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | MPDC |
| ReturnHeader/Filer/EIN | 0 | 626074064 |
| ReturnHeader/Filer/PhoneNum | 0 | 6157827220 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 2711 OLD LEBANON ROAD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | NASHVILLE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | TN |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 37214 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 721396621 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CARR RIGGS & INGRAM LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 3011 ARMORY DRIVE SUITE 300 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | NASHVILLE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | TN |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 37204 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6156651811 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2024-07-18 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | RICHARD W BETTS |
| ReturnHeader/ReturnTs | 0 | 2024-07-22T08:58:26-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | STEPHANIE |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | MASON |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2023-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2023-12-31 |
| ReturnHeader/TaxYr | 0 | 2023 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2023 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $36,041,145
- Liabilities
- $32,321,286
- Net assets
- $3,719,859
- Revenue
- $2,333,437
- Expenses
- $1,882,071
- Net income
- $451,366