Civic Intelligence

Members Choice Credit Union

990 • Fiscal year 2013 • EIN 74-1886524

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 13, 2014

14960 Park Row BlvdHouston, TX 77084

(281) 398-9900

Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

33rd percentile

15.92x

Higher debt load relative to revenue than 33% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

64th percentile

18%

Higher net margin than 64% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

49th percentile

$358,319

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

1st percentile

-13%

Faster asset growth than 1% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Assets

Down

$449,758,652

Down $69,922,214 (-13%) from 2012

Net Assets

Down

$31,714,776

Down $1,611,012 (-4.8%) from 2012

Liabilities

Down

$418,043,876

Down $68,311,202 (-14%) from 2012

Revenue

$26,251,811

No earlier filing loaded for comparison.

Expenses

Up

$21,570,122

Up $1,358,495 (+6.7%) from 2012

Net Income

$4,681,689

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$800M$600M$400M$200M$0Assets 2010: $328,658,256Liabilities 2010: $300,633,573Net Assets 2010: $28,024,6832010Assets 2011: $373,552,708Liabilities 2011: $343,012,708Net Assets 2011: $30,540,0002011Assets 2012: $519,680,866Liabilities 2012: $486,355,078Net Assets 2012: $33,325,7882012Assets 2013: $449,758,652Liabilities 2013: $418,043,876Net Assets 2013: $31,714,7762013Assets 2014: $477,812,099Liabilities 2014: $440,104,661Net Assets 2014: $37,707,4382014Assets 2015: $494,900,116Liabilities 2015: $453,783,805Net Assets 2015: $41,116,3112015Assets 2016: $520,190,237Liabilities 2016: $474,692,776Net Assets 2016: $45,497,4612016Assets 2017: $583,625,571Liabilities 2017: $532,142,625Net Assets 2017: $51,482,9462017Assets 2018: $590,075,622Liabilities 2018: $535,873,978Net Assets 2018: $54,201,6442018Assets 2019: $608,865,592Liabilities 2019: $553,772,804Net Assets 2019: $55,092,7882019Assets 2020: $667,981,139Liabilities 2020: $615,666,348Net Assets 2020: $52,314,7912020Assets 2021: $715,418,251Liabilities 2021: $663,800,055Net Assets 2021: $51,618,1962021Assets 2022: $754,025,395Liabilities 2022: $711,017,842Net Assets 2022: $43,007,5532022Assets 2023: $752,127,874Liabilities 2023: $709,060,954Net Assets 2023: $43,066,9202023Assets 2024: $766,644,253Liabilities 2024: $721,248,011Net Assets 2024: $45,396,2422024

Highlighted filing

2013

Assets$449,758,652
Liabilities$418,043,876
Net Assets$31,714,776

Operations Trend

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

$60M$40M$20M$0-$20MExpenses 2010: $20,720,6902010Expenses 2011: $20,309,1552011Expenses 2012: $20,211,6272012Revenue 2013: $26,251,811Expenses 2013: $21,570,122Net Income 2013: $4,681,6892013Revenue 2014: $24,995,876Expenses 2014: $21,450,112Net Income 2014: $3,545,7642014Revenue 2015: $26,700,696Expenses 2015: $22,608,373Net Income 2015: $4,092,3232015Revenue 2016: $26,495,729Expenses 2016: $22,376,719Net Income 2016: $4,119,0102016Revenue 2017: $28,101,456Expenses 2017: $22,925,971Net Income 2017: $5,175,4852017Revenue 2018: $29,861,142Expenses 2018: $26,795,689Net Income 2018: $3,065,4532018Revenue 2019: $31,429,565Expenses 2019: $31,861,737Net Income 2019: -$432,1722019Revenue 2020: $26,893,983Expenses 2020: $30,035,782Net Income 2020: -$3,141,7992020Revenue 2021: $28,765,001Expenses 2021: $29,461,596Net Income 2021: -$696,5952021Revenue 2022: $36,872,440Expenses 2022: $45,483,083Net Income 2022: -$8,610,6432022Revenue 2023: $45,425,997Expenses 2023: $41,885,946Net Income 2023: $3,540,0512023Revenue 2024: $47,444,524Expenses 2024: $45,115,202Net Income 2024: $2,329,3222024

Highlighted filing

2013

Revenue$26,251,811
Expenses$21,570,122
Net Income$4,681,689
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 13, 2014
Return Version
2013v3.0
Gross Receipts
$77,551,182
Mission and Program Overview

Mission

Members choice credit union is a cooperative owned by the members of the credit union. It is a non-profit finacial institution organized to promote thrift and provide credit to members at lower rates than is available from other sources.

To Promote Thrift and Provide Credit to Members at lower rates than available from other sources.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$236,296,602$250,072,621▲ $13,776,019
Investments in Publicly Traded Securities$121,113,351$146,139,718▲ $25,026,367
Rtn Earn Endowment Incm Other Fnds$33,325,788$31,714,776▼ $1,611,012
Savings and Temporary Cash Investments$116,082,094$22,445,567▼ $93,636,527
Land, Buildings, and Equipment, Net$15,103,975$14,523,939▼ $580,036
Investments Other Securities$4,249,500$4,311,900▲ $62,400
Cash and Non-Interest-Bearing Accounts$19,970,391$4,019,394▼ $15,950,997
Investments Program Related$3,506,800$3,880,639▲ $373,839
Prepaid Expenses and Deferred Charges$345,197$1,031,029▲ $685,832
Accounts Receivable$638,688$465,977▼ $172,711
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$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$519,680,866$449,758,652▼ $69,922,214
Other Assets Total$2,374,268$2,867,868▲ $493,600
Liabilities
Other Liabilities$388,308,045$410,025,991▲ $21,717,946
Mortgage Notes Payable Secured by Investment Property$92,721,171$0▼ $92,721,171
Accounts Payable and Accrued Expenses$4,360,947$7,912,510▲ $3,551,563
Escrow Account Liability$560,899$69,915▼ $490,984
Deferred Revenue$404,016$35,460▼ $368,556
Grants Payable$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$486,355,078$418,043,876▼ $68,311,202
Net Assets / Fund Balance
Total Net Assets Fund Balance$33,325,788$31,714,776▼ $1,611,012
Total Liabilities and Net Assets / Fund Balance$519,680,866$449,758,652▼ $69,922,214

Asset Categories

AssetBook ValueDepreciationBasis
Land$7,124,775-$7,124,775
Equipment$2,399,547$4,721,130$7,120,677
Buildings$4,485,284$2,529,203$7,014,487
Leasehold Improvements$514,333$188,475$702,808
Investment Program Related Org$3,880,639--
Other Land Buildings$0$0$0
Other Assets Org$32,261--
Other Securities$4,311,900--
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wesley Steven GilmanPresident CEOFT$276,716$114,314$391,030
Bruce HurtaBusiness Lending ManagerFT$97,841$141,691$239,532
Randy TheiligSr VP CFOFT$165,882$48,304$214,186
Mike GleespenSr VP CTOFT$160,674$43,900$204,574
Rob BouvierSr VP CLOFT$141,227$62,141$203,368
Kelly GainesSr VP CMOFT$125,584$58,943$184,527
Patricia HarrisBusiness Lending AdministratorFT$128,569-$128,569
Ritana LayneVP-operationsFT$127,618-$127,618
Suzan AbramsSr VP CAOFT$69,189$40,972$110,161
Alexandra EmsleyVP Lending and SalesFT$108,552-$108,552
Randal WardSr VP-CLOFT$25,765-$25,765

Board Members and Trustees

NameTitle
Johnny WilliamsChairman of the Board
Anthony FrancisDirector
Emeka OyoluDirector
Gene AtteberryDirector
Jim ParsleyDirector
Mickie CiocciaDirector
Mike YatesDirector
Tonya JordanDirector
Wilfred KrenekDirector Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry And AssociatesData Processing-$1,007,771
Asg ResultsInsurance Product Sales-$725,856
Venus Construction LLPConstruction-$554,139
Cuna Mutual GroupBond Insurance Coverage-$391,488
Blake Credit AssociatesCollection Services-$305,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,382,292
Investment Income
$7,113,413
Other Revenue
$1,756,106
Change in Net Assets
$4,681,689

Audited Revenue Reconciliation

Revenue per Audited Statements
$26,251,811
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$26,251,811
Total Revenue per Form 990
$26,251,811
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,868,725
Salaries, Compensation, and Employee Benefits$8,701,397
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,704,341
Information Technology---$2,864,551
Occupancy---$1,826,087
Depreciation Depletion---$1,436,346
Current Officers, Directors, Trustees, and Key Employees---$1,405,579
Office Expenses---$1,347,364
Other Expenses---$1,011,250
Other Employee Benefits---$767,773
Fees for Services Other---$645,162
Insurance---$515,713
Payroll Taxes---$504,472
Advertising---$373,799
Pension Plan Contributions---$319,232
Fees for Service Investment Mgmnt Fees---$219,890
Fees for Services Accounting---$132,578
Interest---$130,083
Conferences and Meetings---$70,689
Fees for Services Legal---$67,032
Travel---$51,479
Total Functional Expenses$0$0$0$21,570,122

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,570,122
Total Expenses per Audited Statements$21,570,122
Total Expenses per Form 990$21,570,122
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
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 Share Accounts$158,375,777
Share Draft Accounts$134,990,084
Money Market Accounts$62,581,142
Share Certificate Accounts$45,391,919
Individual Retirement Accounts$8,687,069
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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

Members choice credit union is a membership organization that elects a representative board of directors

Form 990, Part VI, Section A, Line 7A

Members are elected to the board to serve after receiving nominations from a nominating committee

Form 990, Part VI, Section A, Line 7B

Certain events must be radified by the membership according to the credit union bylaws

Form 990, Part VI, Section B, Line 11B

The form 990 is available to the board of directors upon request

Form 990, Part VI, Section B, Line 12C

The organization enforces the conflict of interest policy which is applicable to employees and directors, both are required to disclose any potential conflict of interest.

Form 990, Part VI, Section B, Line 15

A third party is used in the calculation of appropriate compensation based on job responsibilities, credit unoion size, and location. Compensation is then reviewed with and approved by the board's compensation committee.

Form 990, Part VI, Section C, Line 19

Financial statements are public information available via ncua 5300 reports

Filing and Contact Details

Filer

EIN
74-1886524
Phone
2813989900

Signing Officer

Name
Holla Walker
Title
Controller
Phone
2817541134
Signed
2014-08-13

Organization Details

Principal Officer
Steve Gilman
Formed
1941
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
194
Volunteers
15
Supplemental Narrative

Financial Statement Notes

Schedule D, Part IV, Line 1B

member mortgage escrow accounts

Schedule D, Part IV, Line 2B

Members Choice Credit Union holds escrow deposits for the purposes of taxes and insurance payments for member mortgage loans held by the credit union.

Raw XML AppendixShowing 400 of 833 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/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt190
IRS990/Form990PartVIISectionAGrp/PersonNm0JOHNNY WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm1WILFRED KRENEK
IRS990/Form990PartVIISectionAGrp/PersonNm2MICKIE CIOCCIA
IRS990/Form990PartVIISectionAGrp/PersonNm3TONYA JORDAN
IRS990/Form990PartVIISectionAGrp/PersonNm4EMEKA OYOLU
IRS990/Form990PartVIISectionAGrp/PersonNm5ANTHONY FRANCIS
IRS990/Form990PartVIISectionAGrp/PersonNm6MIKE YATES
IRS990/Form990PartVIISectionAGrp/PersonNm7GENE ATTEBERRY
IRS990/Form990PartVIISectionAGrp/PersonNm8JIM PARSLEY
IRS990/Form990PartVIISectionAGrp/PersonNm9WESLEY STEVEN GILMAN
IRS990/Form990PartVIISectionAGrp/PersonNm10RANDY THEILIG
IRS990/Form990PartVIISectionAGrp/PersonNm11MIKE GLEESPEN
IRS990/Form990PartVIISectionAGrp/PersonNm12ROB BOUVIER
IRS990/Form990PartVIISectionAGrp/PersonNm13KELLY GAINES
IRS990/Form990PartVIISectionAGrp/PersonNm14RANDAL WARD
IRS990/Form990PartVIISectionAGrp/PersonNm15SUZAN ABRAMS
IRS990/Form990PartVIISectionAGrp/PersonNm16BRUCE HURTA
IRS990/Form990PartVIISectionAGrp/PersonNm17PATRICIA HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm18RITANA LAYNE
IRS990/Form990PartVIISectionAGrp/PersonNm19ALEXANDRA EMSLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9358319
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10203975
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11174254
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12172295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13156670
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1425765
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1598146
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16216155
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17128569
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18127618
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19108552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10SR VP CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11SR VP CTO
IRS990/Form990PartVIISectionAGrp/TitleTxt12SR VP CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SR VP CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SR VP-CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR VP CAO
IRS990/Form990PartVIISectionAGrp/TitleTxt16BUSINESS LENDING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BUSINESS LENDING ADMINISTRATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP-OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP LENDING AND SALES
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01941
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt03470710
IRS990/GainOrLossGrp/SecuritiesAmt0295116
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt032818884
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt022246313
IRS990/GrossReceiptsAmt077551182
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02864551
IRS990/InsuranceGrp/TotalAmt0515713
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0130083
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt03347587
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03347587
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04249500
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04311900
IRS990/InvestmentsProgramRelatedGrp/BOYAmt03506800
IRS990/InvestmentsProgramRelatedGrp/EOYAmt03880639
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0121113351
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0146139718
IRS990/IRPDocumentCnt08208
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07438808
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015103975
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014523939
IRS990/LandBldgEquipCostOrOtherBssAmt021962747
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt029348174
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt021951197
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
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IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0511976
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt0135769
IRS990/MissionDesc0MEMBERS CHOICE CREDIT UNION IS A COOPERATIVE OWNED BY THE MEMBERS OF THE CREDIT UNION. IT IS A NON-PROFIT FINACIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBERS AT LOWER RATES THAN IS AVAILABLE FROM OTHER SOURCES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt033325788
IRS990/NetAssetsOrFundBalancesEOYAmt031714776
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt03765826
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03765826
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-227972
IRS990/NetUnrlzdGainsLossesInvstAmt0-6292701
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01826087
IRS990/OfficeExpensesGrp/TotalAmt01347364
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02374268

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$767$721$45.4$47.4$45.1$2.33
2023Detailed filing. Detailed filing data is available for this year.$752$709$43.1$45.4$41.9$3.54
2022Detailed filing. Detailed filing data is available for this year.$754$711$43.0$36.9$45.5$8.61
2021Detailed filing. Detailed filing data is available for this year.$715$664$51.6$28.8$29.5$0.70
2020Detailed filing. Detailed filing data is available for this year.$668$616$52.3$26.9$30.0$3.14
2019Summary only. Only limited summary data is available for this year.$609$554$55.1$31.4$31.9$0.43
2018Detailed filing. Detailed filing data is available for this year.$590$536$54.2$29.9$26.8$3.07
2017Detailed filing. Detailed filing data is available for this year.$584$532$51.5$28.1$22.9$5.18
2016Detailed filing. Detailed filing data is available for this year.$520$475$45.5$26.5$22.4$4.12
2015Detailed filing. Detailed filing data is available for this year.$495$454$41.1$26.7$22.6$4.09
2014Detailed filing. Detailed filing data is available for this year.$478$440$37.7$25.0$21.5$3.55
2013Detailed filing. Detailed filing data is available for this year.$450$418$31.7$26.3$21.6$4.68
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$520$486$33.3$20.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$374$343$30.5$20.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$329$301$28.0$20.7