Civic Intelligence

State Chartered Credit Unions in Mississippi

EIN 64-0333575 • 501(c)14 • Vicksburg, MS

View Organization Page

Profile

Be the most trusted provider of exceptional financial products and services for our members and the communities we serve.

PO Box 25Vicksburg, MS 39181-0025

www.mutualcu.org

Siviq Scores

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

Liabilities / Assets

94th percentile

0.94x

Higher debt load relative to assets than 94% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

61st percentile

15.70x

Higher debt load relative to revenue than 61% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

83rd percentile

18%

Higher net margin than 83% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

9th percentile

$259,101

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Asset Growth

12th percentile

-3.2%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Revenue Growth

68th percentile

17%

Faster revenue growth than 68% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$292,779,445

Down $9,810,506 (-3.2%) from 2021

Liabilities

Up

$275,031,239

Up $933,320 (+0.3%) from 2021

Net Assets

Down

$17,748,206

Down $10,743,826 (-38%) from 2021

Operations
Liabilities / Revenue61st percentileNet Margin83rd percentile

Revenue

Up

$17,518,110

Up $2,535,435 (+17%) from 2021

Expenses

Up

$14,397,549

Up $1,987,387 (+16%) from 2021

Net Income

Up

$3,120,561

Up $548,048 (+21%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$400M$300M$200M$100M$0Assets 2010: $146,596,690Liabilities 2010: $130,496,949Net Assets 2010: $16,099,7412010Assets 2011: $157,578,631Liabilities 2011: $140,388,473Net Assets 2011: $17,190,1582011Assets 2012: $168,751,727Liabilities 2012: $150,636,015Net Assets 2012: $18,115,7122012Assets 2013: $174,101,011Liabilities 2013: $155,806,284Net Assets 2013: $18,294,7272013Assets 2014: $183,008,558Liabilities 2014: $166,592,688Net Assets 2014: $16,415,8702014Assets 2015: $189,425,557Liabilities 2015: $173,345,917Net Assets 2015: $16,079,6402015Assets 2016: $195,523,167Liabilities 2016: $178,613,194Net Assets 2016: $16,909,9732016Assets 2017: $203,756,233Liabilities 2017: $185,094,704Net Assets 2017: $18,661,5292017Assets 2018: $206,936,440Liabilities 2018: $186,727,101Net Assets 2018: $20,209,3392018Assets 2019: $216,097,839Liabilities 2019: $192,700,437Net Assets 2019: $23,397,4022019Assets 2020: $262,423,930Liabilities 2020: $236,266,110Net Assets 2020: $26,157,8202020Assets 2021: $302,589,951Liabilities 2021: $274,097,919Net Assets 2021: $28,492,0322021Assets 2022: $292,779,445Liabilities 2022: $275,031,239Net Assets 2022: $17,748,2062022

Highlighted filing

2022

Assets$292,779,445
Liabilities$275,031,239
Net Assets$17,748,206
Open 2022 Filing

Operations Trend

Revenue Growth68th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $8,458,2992010Expenses 2011: $8,017,3152011Expenses 2012: $7,825,0222012Revenue 2013: $9,455,148Expenses 2013: $8,975,030Net Income 2013: $480,1182013Revenue 2014: $9,400,577Expenses 2014: $9,216,933Net Income 2014: $183,6442014Revenue 2015: $9,580,560Expenses 2015: $9,447,713Net Income 2015: $132,8472015Revenue 2016: $10,158,017Expenses 2016: $8,897,373Net Income 2016: $1,260,6442016Revenue 2017: $10,804,566Expenses 2017: $8,612,593Net Income 2017: $2,191,9732017Revenue 2018: $12,285,315Expenses 2018: $10,173,590Net Income 2018: $2,111,7252018Revenue 2019: $13,475,534Expenses 2019: $10,997,314Net Income 2019: $2,478,2202019Revenue 2020: $12,828,516Expenses 2020: $11,034,131Net Income 2020: $1,794,3852020Revenue 2021: $14,982,675Expenses 2021: $12,410,162Net Income 2021: $2,572,5132021Revenue 2022: $17,518,110Expenses 2022: $14,397,549Net Income 2022: $3,120,5612022

Highlighted filing

2022

Revenue$17,518,110
Expenses$14,397,549
Net Income$3,120,561
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$292,779,445
Liabilities
$275,031,239
Net assets
$17,748,206
Revenue
$17,518,110
Expenses
$14,397,549
Net income
$3,120,561
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$293$275$17.7$17.5$14.4$3.12
2021Detailed filing. Detailed filing data is available for this year.$303$274$28.5$15.0$12.4$2.57
2020Detailed filing. Detailed filing data is available for this year.$262$236$26.2$12.8$11.0$1.79
2019Detailed filing. Detailed filing data is available for this year.$216$193$23.4$13.5$11.0$2.48
2018Detailed filing. Detailed filing data is available for this year.$207$187$20.2$12.3$10.2$2.11
2017Detailed filing. Detailed filing data is available for this year.$204$185$18.7$10.8$8.61$2.19
2016Detailed filing. Detailed filing data is available for this year.$196$179$16.9$10.2$8.90$1.26
2015Detailed filing. Detailed filing data is available for this year.$189$173$16.1$9.58$9.45$0.13
2014Detailed filing. Detailed filing data is available for this year.$183$167$16.4$9.40$9.22$0.18
2013Detailed filing. Detailed filing data is available for this year.$174$156$18.3$9.46$8.98$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$169$151$18.1$7.83
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$158$140$17.2$8.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$130$16.1$8.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 25, 2023
Return Version
2022v5.0
Gross Receipts
$26,452,624
Mission and Program Overview

Mission

To improve all members' financial quality of life through delivery of quality financial services.

Be the most trusted provider of exceptional financial products and services for our members and the communities we serve.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$129,722,012$146,217,662▲ $16,495,650
Investments Other Securities$123,266,656$101,441,731▼ $21,824,925
Savings and Temporary Cash Investments$18,892,260$15,114,260▼ $3,778,000
Rtn Earn Endowment Incm Other Fnds$24,860,936$14,117,110▼ $10,743,826
Land, Buildings, and Equipment, Net$6,367,795$5,859,045▼ $508,750
Cash and Non-Interest-Bearing Accounts$5,263,614$4,419,697▼ $843,917
Pd in Cap Srpls Land Bldg Eqp Fund$3,631,096$3,631,096→ $0
Prepaid Expenses and Deferred Charges$806,247$963,289▲ $157,042
Accounts Receivable$735,417$251,678▼ $483,739
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$302,589,951$292,779,445▼ $9,810,506
Other Assets Total$17,535,950$18,512,083▲ $976,133
Liabilities
Other Liabilities$271,771,209$271,565,739▼ $205,470
Accounts Payable and Accrued Expenses$2,122,990$3,317,237▲ $1,194,247
Escrow Account Liability$203,720$148,263▼ $55,457
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$274,097,919$275,031,239▲ $933,320
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,492,032$17,748,206▼ $10,743,826
Total Liabilities and Net Assets / Fund Balance$302,589,951$292,779,445▼ $9,810,506

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,966,864$31,909,731-
Land$1,083,906--
Equipment$808,275$2,723,106-
Other Assets Org$14,934,420--
Other Securities$1,453,300--
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MathewsCEOFT$237,750$54,207$291,957
Jennifer Lynne McMillinCFOFT$126,172-$126,172
Christy PecantyVP ItFT$100,706-$100,706
Charlie McKinnieSupervisory Committee Chairman-$2,538-$2,538
James HarperSupervisory Committee-$1,966-$1,966
Tonya AcuffSecretary-$1,224-$1,224
Billy BridgesDirector-$1,160-$1,160
Matt HendrixDirector-$859-$859
Joe TomDirector-$768-$768

Board Members and Trustees

NameTitle
Jerry DeanChairman
Leonard MurrellVice Chairman
Donna HardyDirector
Jeb TingleDirector
Alicia BoundsAssociate Volunteer
Laura GullettAssociate Volunteer
Philip SchraderAssociate Volunteer
Ben LuckettSupervisory Committee
Rick VessellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,443,215
Investment Income
$2,124,727
Other Revenue
$7,950,168
All Other Contributions
$0
Change in Net Assets
$3,120,561

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,518,110
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$17,518,110
Total Revenue per Form 990
$17,518,110
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,180,490
Salaries, Compensation, and Employee Benefits$5,217,059
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,195,058$0$0$4,194,058
Fees for Services Other$2,383,745$0$0$2,383,745
Office Expenses$2,080,512$0$0$2,080,512
Interest$1,316,454$0$0$1,316,454
Other Employee Benefits$899,772$0$0$899,772
Occupancy$741,566$0$0$741,566
Advertising$377,677$0$0$377,677
Payroll Taxes$300,086$0$0$300,086
Conferences and Meetings$153,127$0$0$153,127
Insurance$134,797$0$0$134,797
Fees for Services Accounting$38,948$0$0$38,948
Other Expenses$29,928$0$0$29,928
Fees for Services Legal$13,826$0$0$13,826
Pension Plan Contributions$-176,857$0$0$-176,857
Total Functional Expenses$14,398,549$0$0$14,397,549

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$14,397,549
Total Expenses per Audited Statements$14,397,549
Total Expenses per Form 990$14,397,549
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$271,565,739
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“Member owned”

Part VI, Line 7A

“The organization has members that hold a $10 par value.”

Part VI, Line 11A

“The CFO is a CPA and she reviews the 990 prior to filing. The 990 is available upon request.”

Part VI, Line 12C

“Through contracting and purchasing policies and loan policies.”

Part VI, Line 15

“Peer average and performance reviews by the governing body.”

Part VI, Line 19

“They are available upon request at the Main Office located at 1604 Cherry Street Vicksburg MS 39180.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Mississippi
EIN
64-0333575
In Care Of
% Jennifer McMillin
Phone
6016367523
Address
PO BOX 25, VICKSBURG, MS 39181-0025

Signing Officer

Name
Jennifer Lynne McMillin
Title
CFO
Signed
2023-04-25
Discuss with paid preparer
No

Organization Details

Formed
1931
Legal Domicile
Ms
Voting Board Members
9
Independent Board Members
9
Employees
96
Volunteers
9
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| OCI, Other Changes, $-377840| Merger, Equity Acquired in Merger, $18972|”

Financial Statement Notes

Part IV, line 1A

“We are required to hold maintain distribute escrow on some of our real estate loans.”

Part X, line 2

“The Credit Union is exempt from most federal state and local taxes under the provisions of the Internal Revenue Code and state tax laws. The Income Taxes Topic of the FASB ASC clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more than like not" standard for sustainability upon examination by tax authorities. The Credit Union is a state-chartered CU as defined in IRC Section 501 c14. As such the CU is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However IRC Section 511 imposes a tax on the unrelated business income UBI derived by state-chartered credit unions. Beginning in March 2008 the IRS released Technical Advice Memorandums to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax. UBI may also be subject to tax in certain states. Management has assessed the CU's activities and any potential federal or state income tax liability and determined that the CU has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions.”

Raw XML AppendixShowing 400 of 754 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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