Civic Intelligence

Mct Credit Union

990 • Fiscal year 2012 • EIN 74-1255147

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 12, 2013

Organization ProfileWWW.MCTCU.ORG

View Organization Page

PO Box 27977651
Siviq Scores

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

Liabilities / Assets

75th percentile

0.91x

Higher debt load relative to assets than 75% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

58th percentile

5.8%

Faster asset growth than 58% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$216,469,215

Up $11,951,037 (+5.8%) from 2011

Net Assets

Up

$19,085,379

Up $630,411 (+3.4%) from 2011

Liabilities

Up

$197,383,836

Up $11,320,626 (+6.1%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$12,694,447

Down $272,797 (-2.1%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth58th percentile

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

$400M$300M$200M$100M$0Assets 2010: $196,618,649Liabilities 2010: $178,598,269Net Assets 2010: $18,020,3802010Assets 2011: $204,518,178Liabilities 2011: $186,063,210Net Assets 2011: $18,454,9682011Assets 2012: $216,469,215Liabilities 2012: $197,383,836Net Assets 2012: $19,085,3792012Assets 2013: $222,344,809Liabilities 2013: $201,728,567Net Assets 2013: $20,616,2422013Assets 2014: $234,311,562Liabilities 2014: $211,295,939Net Assets 2014: $23,015,6232014Assets 2015: $245,978,369Liabilities 2015: $222,724,259Net Assets 2015: $23,254,1102015Assets 2016: $255,470,758Liabilities 2016: $232,157,797Net Assets 2016: $23,312,9612016Assets 2017: $315,914,429Liabilities 2017: $289,732,320Net Assets 2017: $26,182,1092017Assets 2018: $295,924,955Liabilities 2018: $268,225,038Net Assets 2018: $27,699,9172018Assets 2019: $299,976,930Liabilities 2019: $269,499,419Net Assets 2019: $30,477,5112019Assets 2020: $357,012,507Liabilities 2020: $326,482,978Net Assets 2020: $30,529,5292020Assets 2021: $363,107,409Liabilities 2021: $331,175,018Net Assets 2021: $31,932,3912021Assets 2022: $355,819,917Liabilities 2022: $329,151,009Net Assets 2022: $26,668,9082022Assets 2023: $355,729,593Liabilities 2023: $325,923,982Net Assets 2023: $29,805,6112023Assets 2024: $358,623,991Liabilities 2024: $326,119,045Net Assets 2024: $32,504,9462024

Highlighted filing

2012

Assets$216,469,215
Liabilities$197,383,836
Net Assets$19,085,379
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Expenses 2010: $13,129,3232010Revenue 2011: $13,862,856Expenses 2011: $12,967,244Net Income 2011: $895,6122011Expenses 2012: $12,694,4472012Revenue 2013: $13,853,196Expenses 2013: $12,672,310Net Income 2013: $1,180,8862013Revenue 2014: $14,088,285Expenses 2014: $12,617,467Net Income 2014: $1,470,8182014Revenue 2015: $14,487,809Expenses 2015: $12,869,835Net Income 2015: $1,617,9742015Revenue 2016: $14,535,178Expenses 2016: $13,783,792Net Income 2016: $751,3862016Revenue 2017: $15,728,686Expenses 2017: $13,722,320Net Income 2017: $2,006,3662017Revenue 2018: $16,112,684Expenses 2018: $14,161,193Net Income 2018: $1,951,4912018Revenue 2019: $16,421,061Expenses 2019: $14,070,079Net Income 2019: $2,350,9822019Revenue 2020: $15,531,663Expenses 2020: $14,415,621Net Income 2020: $1,116,0422020Revenue 2021: $15,984,837Expenses 2021: $14,634,518Net Income 2021: $1,350,3192021Revenue 2022: $17,733,954Expenses 2022: $16,167,383Net Income 2022: $1,566,5712022Revenue 2023: $20,307,574Expenses 2023: $19,301,045Net Income 2023: $1,006,5292023Revenue 2024: $21,743,927Expenses 2024: $20,690,246Net Income 2024: $1,053,6812024

Highlighted filing

2012

Revenue-
Expenses$12,694,447
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 12, 2013
Return Version
2012v2.0
Gross Receipts
$14,342,955
Mission and Program Overview

Mission

To provide financial services, loan, and deposit products that will meet needs and expectations of the field of membership and provide a fair and equitable return to the credit union. To grow the field of membership by aggressively pursuing all persons in need of financial products and services by continually enhancing products to better serve the field of membership.

Major Activities

Activity 2
The Credit Union offers consumer loans, mortgage loans and business loans to membership. The Credit Union granted 3,163 loans for 62,289,492 to its membership in 2012.
Filing and Contact Details

Filer

EIN
74-1255147
Raw XML AppendixShowing 400 of 623 raw XML fields

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IRS990/ProgramServiceRevenue/TotalRevenueColumn04567750
IRS990/ProgramServiceRevenue/TotalRevenueColumn13922988
IRS990/ProgramServiceRevenue/TotalRevenueColumn21792655
IRS990/ProgramServiceRevenue/TotalRevenueColumn31424067
IRS990/ProgramServiceRevenue/TotalRevenueColumn4980640
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue00
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue10
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue20
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue30
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue40
IRS990/ProhibitedTaxShelterTrans00
IRS990/ReconcilationDonatedServices00
IRS990/ReconcilationInvestExpenses00
IRS990/ReconcilationOtherChanges0-688510
IRS990/ReconcilationPriorAdjustment00
IRS990/ReconcilationRevenueExpenses01278302
IRS990/ReconciliationUnrealizedInvest040619
IRS990/RegularMonitoringEnforcement01
IRS990/RelatedEntity01
IRS990/RelatedOrgControlledEntity00
IRS990/RentalIncomeOrLoss/Personal00
IRS990/RentalIncomeOrLoss/Real00
IRS990/ReportFin48Footnote00
IRS990/ReportInvestOthSecurities00
IRS990/ReportLandBldgEquip01
IRS990/ReportOtherAssets00
IRS990/ReportOtherLiabilities01
IRS990/ReportProgRelInvest01
IRS990/RetainedEarningsEndowmentEtc/BOY018454968
IRS990/RetainedEarningsEndowmentEtc/EOY019085379
IRS990/RevenuesLessExpensesCY01278302
IRS990/RevenuesLessExpensesPriorYear0895612
IRS990/RoyaltiesRevenue/ExclusionAmount00
IRS990/RoyaltiesRevenue/RelatedOrExemptFunctionIncome00
IRS990/RoyaltiesRevenue/TotalRevenueColumn00
IRS990/RoyaltiesRevenue/UnrelatedBusinessRevenue00
IRS990/SalariesEtcCurrentYear05200634
IRS990/SalariesEtcPriorYear05501621
IRS990/SavingsAndTempCashInvestments/BOY011029883
IRS990/SavingsAndTempCashInvestments/EOY019767755
IRS990/ScheduleBRequired00
IRS990ScheduleD/Buildings/BookValue05467043
IRS990ScheduleD/Buildings/Depreciation02252884
IRS990ScheduleD/Buildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis07719927
IRS990ScheduleD/Equipment/BookValue0423972
IRS990ScheduleD/Equipment/Depreciation01936219

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$216,469,215
Liabilities
$197,383,836
Net assets
$19,085,379
Revenue
-
Expenses
$12,694,447
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$359$326$32.5$21.7$20.7$1.05
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$356$326$29.8$20.3$19.3$1.01
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$356$329$26.7$17.7$16.2$1.57
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$363$331$31.9$16.0$14.6$1.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$357$326$30.5$15.5$14.4$1.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$300$269$30.5$16.4$14.1$2.35
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$296$268$27.7$16.1$14.2$1.95
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$316$290$26.2$15.7$13.7$2.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$255$232$23.3$14.5$13.8$0.75
2015Detailed filing. Detailed filing data is available for this year.$246$223$23.3$14.5$12.9$1.62
2014Detailed filing. Detailed filing data is available for this year.$234$211$23.0$14.1$12.6$1.47
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$222$202$20.6$13.9$12.7$1.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$216$197$19.1$12.7
2011Summary only. Only limited summary data is available for this year.$205$186$18.5$13.9$13.0$0.90
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$197$179$18.0$13.1