Civic Intelligence

Members First Credit Union

990 • Fiscal year 2011 • EIN 74-1142836

Jan 01, 2011 to Dec 31, 2011 • Filed on May 11, 2012

Organization Profilewww.m1st.org

View Organization Page

PO Box 859078468-8590
Siviq Scores

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

Liabilities / Assets

7th percentile

0.02x

Higher debt load relative to assets than 7% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

83rd percentile

9.9%

Faster asset growth than 83% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets7th percentile

Assets

Up

$97,403,718

Up $8,784,261 (+9.9%) from 2010

Net Assets

Up

$95,580,860

Up $7,899,212 (+9.0%) from 2010

Liabilities

Up

$1,822,858

Up $885,049 (+94%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,262,874

Down $895,818 (-17%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$200M$150M$100M$50M$0Assets 2010: $88,619,457Liabilities 2010: $937,809Net Assets 2010: $87,681,6482010Assets 2011: $97,403,718Liabilities 2011: $1,822,858Net Assets 2011: $95,580,8602011Assets 2012: $101,092,866Liabilities 2012: $1,437,060Net Assets 2012: $99,655,8062012Assets 2013: $107,905,572Liabilities 2013: $1,076,810Net Assets 2013: $106,828,7622013Assets 2014: $113,346,673Liabilities 2014: $1,144,389Net Assets 2014: $112,202,2842014Assets 2015: $118,030,499Liabilities 2015: $1,308,444Net Assets 2015: $116,722,0552015Assets 2016: $125,565,806Liabilities 2016: $1,294,638Net Assets 2016: $124,271,1682016Assets 2017: $129,231,813Liabilities 2017: $1,590,717Net Assets 2017: $127,641,0962017Assets 2018: $127,660,981Liabilities 2018: $1,506,644Net Assets 2018: $126,154,3372018Assets 2019: $130,672,860Liabilities 2019: $1,238,405Net Assets 2019: $129,434,4552019Assets 2020: $151,740,735Liabilities 2020: $1,726,042Net Assets 2020: $150,014,6932020Assets 2021: $171,256,140Liabilities 2021: $1,646,528Net Assets 2021: $169,609,6122021Assets 2022: $173,689,389Liabilities 2022: $1,584,202Net Assets 2022: $172,105,1872022Assets 2023: $175,245,593Liabilities 2023: $138,036,401Net Assets 2023: $37,209,1922023Assets 2024: $180,767,268Liabilities 2024: $140,623,796Net Assets 2024: $40,143,4722024

Highlighted filing

2011

Assets$97,403,718
Liabilities$1,822,858
Net Assets$95,580,860
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0Expenses 2010: $5,158,6922010Expenses 2011: $4,262,8742011Expenses 2012: $4,486,4172012Revenue 2013: $6,075,327Expenses 2013: $4,738,515Net Income 2013: $1,336,8122013Revenue 2014: $6,143,312Expenses 2014: $4,485,815Net Income 2014: $1,657,4972014Revenue 2015: $6,361,282Expenses 2015: $4,835,836Net Income 2015: $1,525,4462015Revenue 2016: $6,383,494Expenses 2016: $5,278,572Net Income 2016: $1,104,9222016Revenue 2017: $6,381,283Expenses 2017: $5,047,940Net Income 2017: $1,333,3432017Revenue 2018: $6,874,634Expenses 2018: $5,183,324Net Income 2018: $1,691,3102018Revenue 2019: $7,192,820Expenses 2019: $4,693,350Net Income 2019: $2,499,4702019Revenue 2020: $6,696,514Expenses 2020: $4,436,674Net Income 2020: $2,259,8402020Revenue 2021: $7,108,713Expenses 2021: $4,476,194Net Income 2021: $2,632,5192021Revenue 2022: $7,706,314Expenses 2022: $5,022,619Net Income 2022: $2,683,6952022Revenue 2023: $9,038,151Expenses 2023: $6,387,846Net Income 2023: $2,650,3052023Revenue 2024: $9,528,295Expenses 2024: $7,161,544Net Income 2024: $2,366,7512024

Highlighted filing

2011

Revenue-
Expenses$4,262,874
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 11, 2012
Return Version
2011v1.2
Gross Receipts
$5,810,089
Mission and Program Overview

Mission

To improve the financial well being of our member/owners by promoting thrift savings and offering competitive loan products.

Filing and Contact Details

Filer

EIN
74-1142836
Raw XML AppendixShowing 400 of 471 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 organization is a not-for-profit credit union owned and operated by its members.
IRS990ScheduleO/GeneralExplanation/Explanation1The credit union is run by an elected board of director that are volunteers.
IRS990ScheduleO/GeneralExplanation/Explanation2Credit union members elect a board of directors to oversee operations of the organization. The board is not regularly subject to the membership in its decision making powers. Only major changes would need approval from the membership and the state credit union department (e.g., change of corporate structure).
IRS990ScheduleO/GeneralExplanation/Explanation3Form 990 has historically been prepared as a joint return for all credit unions in the State of Texas. Since that time, the CEO has prepared and filed the return. Form 990 is reviewed by state examiners as part of the regular examination.
IRS990ScheduleO/GeneralExplanation/Explanation4Directors are required to file a form (that is reviewed by state examiners) annually that notes they do not have a conflict of interest. It is also the policy of the credit union that directors will not receive any advantages offered the membership (lower rates, etc.). Additionally, all board loan activity as well as any family members are reported quarterly to the entire board for review. Credit union policy states directors may not be compensate indirectly from business from the credit union.
IRS990ScheduleO/GeneralExplanation/Explanation5Annual compensation reviews includes using data from surveys for credit unions of comparable size. Typically, three surveys are used.
IRS990ScheduleO/GeneralExplanation/Explanation6These documents are kept under the control of the administration department but provided upon request of any member.
IRS990ScheduleO/GeneralExplanation/Explanation7Increase is mainly due to an increase in member deposits as well as income for the year.
IRS990ScheduleO/GeneralExplanation/Identifier0F990_P06_S0A_L06
IRS990ScheduleO/GeneralExplanation/Identifier1F990_P06_S0A_L07a
IRS990ScheduleO/GeneralExplanation/Identifier2F990_P06_S0A_L07b
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IRS990ScheduleO/GeneralExplanation/Identifier6F990_P06_S0C_L19
IRS990ScheduleO/GeneralExplanation/Identifier7F990_P11_S00_L05
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 A, Line 7b
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7Form 990, Part XI, Line 5
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0TX
IRS990/StatesWhereCopyOfReturnIsFiled0TX
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10PO Box 8590
IRS990/TheBooksAreInCareOf/AddressUS/City0Corpus Christi
IRS990/TheBooksAreInCareOf/AddressUS/State0TX
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode0784688590
IRS990/TheBooksAreInCareOf/NamePerson0Greg Fair
IRS990/TheBooksAreInCareOf/TelephoneNumber03619916178

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$97,403,718
Liabilities
$1,822,858
Net assets
$95,580,860
Revenue
-
Expenses
$4,262,874
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$181$141$40.1$9.53$7.16$2.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$175$138$37.2$9.04$6.39$2.65
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$174$1.58$172$7.71$5.02$2.68
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$171$1.65$170$7.11$4.48$2.63
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$152$1.73$150$6.70$4.44$2.26
2019Detailed filing. Detailed filing data is available for this year.$131$1.24$129$7.19$4.69$2.50
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$128$1.51$126$6.87$5.18$1.69
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$1.59$128$6.38$5.05$1.33
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$126$1.29$124$6.38$5.28$1.10
2015Detailed filing. Detailed filing data is available for this year.$118$1.31$117$6.36$4.84$1.53
2014Detailed filing. Detailed filing data is available for this year.$113$1.14$112$6.14$4.49$1.66
2013Detailed filing. Detailed filing data is available for this year.$108$1.08$107$6.08$4.74$1.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$1.44$99.7$4.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.4$1.82$95.6$4.26
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$88.6$0.94$87.7$5.16