Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
3rd percentile
Higher debt load relative to assets than 3% of similar nonprofits.
Liabilities / Revenue
3rd percentile
Higher debt load relative to revenue than 3% of similar nonprofits.
Net Margin
92nd percentile
Higher net margin than 92% of similar nonprofits.
Top Officer Pay
22nd percentile
Higher top officer pay than 22% of similar nonprofits.
Top officer pay equals 2.3% of source-year revenue.
Asset Growth
42nd percentile
Faster asset growth than 42% of similar nonprofits.
Revenue Growth
44th percentile
Faster revenue growth than 44% of similar nonprofits.
Assets
Up$118,030,499
Up $4,683,826 (+4.1%) from 2014
Net Assets
Up$116,722,055
Up $4,519,771 (+4.0%) from 2014
Liabilities
Up$1,308,444
Up $164,055 (+14%) from 2014
Revenue
Up$6,361,282
Up $217,970 (+3.5%) from 2014
Expenses
Up$4,835,836
Up $350,021 (+7.8%) from 2014
Net Income
Down$1,525,446
Down $132,051 (-8.0%) from 2014
To improve the financial well being of our member/owners by promoting thrift savings and offering competitive loan products.
Provide financial services for our member/owners.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Cap Stk Tr Prin Current Funds | $92,342,780 | $95,329,125 | ▲ $2,986,345 |
| Other Notes and Loans Receivable, Net | $53,053,136 | $57,171,718 | ▲ $4,118,582 |
| Investments Program Related | $39,710,082 | $37,907,405 | ▼ $1,802,677 |
| Rtn Earn Endowment Incm Other Fnds | $19,859,504 | $21,392,930 | ▲ $1,533,426 |
| Savings and Temporary Cash Investments | $11,932,419 | $14,512,297 | ▲ $2,579,878 |
| Land, Buildings, and Equipment, Net | $5,271,755 | $5,131,982 | ▼ $139,773 |
| Cash and Non-Interest-Bearing Accounts | $1,722,840 | $1,687,631 | ▼ $35,209 |
| Prepaid Expenses and Deferred Charges | $142,459 | $183,184 | ▲ $40,725 |
| Accounts Receivable | $10,473 | $8,032 | ▼ $2,441 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Total Assets | $113,346,673 | $118,030,499 | ▲ $4,683,826 |
| Other Assets Total | $1,503,509 | $1,428,250 | ▼ $75,259 |
| Liabilities | |||
| Accounts Payable and Accrued Expenses | $1,144,389 | $1,308,444 | ▲ $164,055 |
| Total Liabilities | $1,144,389 | $1,308,444 | ▲ $164,055 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $112,202,284 | $116,722,055 | ▲ $4,519,771 |
| Total Liabilities and Net Assets / Fund Balance | $113,346,673 | $118,030,499 | ▲ $4,683,826 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,389,065 | $1,148,963 | $4,538,028 |
| Equipment | $190,840 | $1,461,857 | $1,652,697 |
| Land | $1,552,077 | - | $1,552,077 |
| Investment Program Related Org | $873,602 | - | - |
| Other Land Buildings | $0 | $0 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Greg Fair | CEO | FT | $119,001 | $29,922 | $148,923 |
| Wanda Muessel | VP/COO | FT | $75,474 | $4,828 | $80,302 |
| Name | Title |
|---|---|
| Roman Almaguer | Chairman |
| Samuel Shores | Vice Chairman |
| Larry Dreyer | Director |
| Manuel Esquivel III | Director |
| Mark Kulwicki | Director |
| Yolanda Lozano | Director |
| Hector Garcia | Secretary/Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $2,812,158 |
| Salaries, Compensation, and Employee Benefits | $2,023,678 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,284,239 |
| Office Expenses | - | - | - | $631,110 |
| Interest | - | - | - | $464,200 |
| Occupancy | - | - | - | $460,903 |
| Other Employee Benefits | - | - | - | $346,361 |
| Other Expenses | - | - | - | $301,593 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $229,225 |
| Advertising | - | - | - | $227,456 |
| Payroll Taxes | - | - | - | $112,619 |
| All Other Expenses | - | - | - | $88,399 |
| Pension Plan Contributions | - | - | - | $51,234 |
| Travel | - | - | - | $45,342 |
| Total Functional Expenses | $0 | $0 | $0 | $4,835,836 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“As a credit union we are owned and controlled by our members.”
“Our board of directors are elected by our membership at an annual meeting.”
“The board directs all activities. However, to change charters to a different entity would require approval from the membership.”
“The form is prepared and reviewed internally by staff.”
“Per policy, there can exist no conflict of interest by the board of directors (are all volunteers and application to serve is filed with the Texas Credit Union Department). All personal actions with the board are reviewed and reported before they occur as well as ongoing activities reported and reviewed quarterly to the entire board of directors.”
“Peer compensation of all credit union positions are received and used as a basis for all employee salary ranges which is completed by the CEO and approved by the Board of Directors. Peer CEO compensation from 3 sources is reviewed by the Board of Directors to determine the salary of the CEO.”
“Governing documents (financials, etc.) are made available per credit union regulations (on website, at main office, and upon request).”
“Increase mainly due to increase in member deposits.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 1144389 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1308444 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 10473 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 8032 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services for our member/owners. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 227456 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 88399 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Members First Credit Union |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3619916178 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 5444 S Staples St |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Corpus Christi |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 78411 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 92342780 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 95329125 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1722840 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1687631 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 229225 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 741435 |
| IRS990/CYOtherExpensesAmt | 0 | 2812158 |
| IRS990/CYOtherRevenueAmt | 0 | -7335 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 5627182 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1525446 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 2023678 |
| IRS990/CYTotalExpensesAmt | 0 | 4835836 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6361282 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | To improve the financial well being of our member/owners by promoting thrift savings and offering competitive loan products. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 56 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 42 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 42 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 29922 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 4828 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Hector Garcia |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Larry Dreyer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Mark Kulwicki |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Roman Almaguer |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Manuel Esquivel III |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Samuel Shores |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Yolanda Lozano |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Greg Fair |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Wanda Muessel |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 119001 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 75474 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Secretary/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP/COO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1938 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 1050 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 65200 |
| IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6433967 |
| IRS990/GrossRentsGrp/PersonalAmt | 0 | 0 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 1200 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/TotalAmt | 0 | 464200 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 740385 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 740385 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 39710082 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 37907405 |
| IRS990/IRPDocumentCnt | 0 | 2386 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 2610820 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5271755 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5131982 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 7742802 |
| IRS990/LegalDomicileStateCd | 0 | TX |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 64150 |
| IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/PersonalAmt | 0 | 0 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 8535 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| 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 improve the financial well being of our member/owners by promoting thrift savings and offering competitive loan products. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 112202284 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 116722055 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1050 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 1050 |
| IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 0 |
| IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt | 0 | -7335 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | -7335 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -203950 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 460903 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 631110 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1503509 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1428250 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 2994325 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 346361 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dues & Subscriptions |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Servicing Expenses |
| IRS990/OtherExpensesGrp/Desc | 2 | Professional & Outside Services |
| IRS990/OtherExpensesGrp/Desc | 3 | Provision for Loan Losses |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 40156 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 102428 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 450571 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 301593 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1284239 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 53053136 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 57171718 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 112619 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 51234 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 142459 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 183184 |
| IRS990/PrincipalOfficerNm | 0 | Greg Fair |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Loan Services |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3243279 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2068642 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 194605 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3243279 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2093198 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 290705 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 24556 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 96100 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 657085 |
| IRS990/PYOtherExpensesAmt | 0 | 2632330 |
| IRS990/PYOtherRevenueAmt | 0 | -25757 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5511984 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1657497 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1853485 |
| IRS990/PYTotalExpensesAmt | 0 | 4485815 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 6143312 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1525446 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | -7335 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 19859504 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 21392930 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11932419 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14512297 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3389065 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1148963 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 4538028 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 190840 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1461857 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1652697 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 30550000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 6483803 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 873602 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | Investments - CDs |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | Investments - Treasury Debot Obligations |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | NCUSIF Deposit |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
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| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1552077 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5131982 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 37907405 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | As a credit union we are owned and controlled by our members. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Our board of directors are elected by our membership at an annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The board directs all activities. However, to change charters to a different entity would require approval from the membership. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The form is prepared and reviewed internally by staff. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Per policy, there can exist no conflict of interest by the board of directors (are all volunteers and application to serve is filed with the Texas Credit Union Department). All personal actions with the board are reviewed and reported before they occur as well as ongoing activities reported and reviewed quarterly to the entire board of directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Peer compensation of all credit union positions are received and used as a basis for all employee salary ranges which is completed by the CEO and approved by the Board of Directors. Peer CEO compensation from 3 sources is reviewed by the Board of Directors to determine the salary of the CEO. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Governing documents (financials, etc.) are made available per credit union regulations (on website, at main office, and upon request). |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Increase mainly due to increase in member deposits. |
| 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 XI, Line 9 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 113346673 |
| IRS990/TotalAssetsEOYAmt | 0 | 118030499 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 113346673 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 118030499 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 56 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 4835836 |
| IRS990/TotalGrossUBIAmt | 0 | 120656 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 1144389 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 1308444 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 1144389 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 1308444 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 112202284 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 116722055 |
| IRS990/TotalOtherCompensationAmt | 0 | 34750 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
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| IRS990/TotalProgramServiceRevenueAmt | 0 | 5627182 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 194475 |
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| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6240626 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6361282 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 120656 |
| IRS990/TotalVolunteersCnt | 0 | 7 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 113346673 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 118030499 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 45342 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 5444 S Staples |
| IRS990/USAddress/CityNm | 0 | Corpus Christi |
| IRS990/USAddress/StateAbbreviationCd | 0 | TX |
| IRS990/USAddress/ZIPCd | 0 | 78411 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.m1st.org |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2016-09-27 15:27:22Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Greg Fair |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
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Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
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