Civic Intelligence

Midland Municipal Employees Credit Union

EIN 75-6029878 • 501(c)14 • Midland, TX

Profile

A state chartered credit union, which provides financial services to its members.

PO Box 1152Midland, TX 79702

n/A

Siviq Scores

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

Liabilities / Assets

54th percentile

0.86x

Higher debt load relative to assets than 54% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

93rd percentile

29.09x

Higher debt load relative to revenue than 93% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

42nd percentile

3.9%

Higher net margin than 42% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

64th percentile

$93,812

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 18.2% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

50th percentile

0.0%

Faster asset growth than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

71st percentile

13%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$17,386,193

Up $5,948 (+0.0%) from 2023

Liabilities

Down

$14,996,568

Down $14,230 (-0.1%) from 2023

Net Assets

Up

$2,389,625

Up $20,178 (+0.9%) from 2023

Operations
Liabilities / Revenue93rd percentileNet Margin42nd percentile

Revenue

Up

$515,575

Up $57,768 (+13%) from 2023

Expenses

Up

$495,397

Up $69,848 (+16%) from 2023

Net Income

Down

$20,178

Down $12,080 (-37%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth50th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $14,747,941Liabilities 2010: $133,195Net Assets 2010: $14,614,7462010Assets 2011: $14,878,553Liabilities 2011: $151,810Net Assets 2011: $14,726,7432011Assets 2012: $15,832,560Liabilities 2012: $14,175,664Net Assets 2012: $1,656,8962012Assets 2013: $16,621,074Liabilities 2013: $14,975,764Net Assets 2013: $1,645,3102013Assets 2014: $17,465,938Liabilities 2014: $15,820,453Net Assets 2014: $1,645,4852014Assets 2015: $17,893,052Liabilities 2015: $16,193,096Net Assets 2015: $1,699,9562015Assets 2016: $18,268,872Liabilities 2016: $16,517,065Net Assets 2016: $1,751,8072016Assets 2017: $18,674,929Liabilities 2017: $16,844,501Net Assets 2017: $1,830,4282017Assets 2018: $18,951,492Liabilities 2018: $17,031,510Net Assets 2018: $1,919,9822018Assets 2019: $18,923,966Liabilities 2019: $16,926,730Net Assets 2019: $1,997,2362019Assets 2020: $19,391,663Liabilities 2020: $17,215,261Net Assets 2020: $2,176,4022020Assets 2021: $19,575,722Liabilities 2021: $17,320,543Net Assets 2021: $2,255,1792021Assets 2022: $19,028,962Liabilities 2022: $16,684,275Net Assets 2022: $2,344,6872022Assets 2023: $17,380,245Liabilities 2023: $15,010,798Net Assets 2023: $2,369,4472023Assets 2024: $17,386,193Liabilities 2024: $14,996,568Net Assets 2024: $2,389,6252024

Highlighted filing

2024

Assets$17,386,193
Liabilities$14,996,568
Net Assets$2,389,625
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $544,2132010Expenses 2011: $542,8622011Revenue 2012: $561,637Expenses 2012: $545,559Net Income 2012: $16,0782012Revenue 2013: $514,138Expenses 2013: $525,724Net Income 2013: -$11,5862013Revenue 2014: $460,956Expenses 2014: $460,781Net Income 2014: $1752014Revenue 2015: $467,781Expenses 2015: $413,310Net Income 2015: $54,4712015Revenue 2016: $456,593Expenses 2016: $404,742Net Income 2016: $51,8512016Revenue 2017: $467,316Expenses 2017: $388,695Net Income 2017: $78,6212017Revenue 2018: $523,149Expenses 2018: $433,595Net Income 2018: $89,5542018Revenue 2019: $564,409Expenses 2019: $487,153Net Income 2019: $77,2562019Revenue 2020: $585,231Expenses 2020: $406,065Net Income 2020: $179,1662020Revenue 2021: $518,086Expenses 2021: $439,309Net Income 2021: $78,7772021Revenue 2022: $436,984Expenses 2022: $347,476Net Income 2022: $89,5082022Revenue 2023: $457,807Expenses 2023: $425,549Net Income 2023: $32,2582023Revenue 2024: $515,575Expenses 2024: $495,397Net Income 2024: $20,1782024

Highlighted filing

2024

Revenue$515,575
Expenses$495,397
Net Income$20,178
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,386,193
Liabilities
$14,996,568
Net assets
$2,389,625
Revenue
$515,575
Expenses
$495,397
Net income
$20,178
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$17.4$15.0$2.39$0.52$0.50$0.02
2023Detailed filing. Detailed filing data is available for this year.$17.4$15.0$2.37$0.46$0.43$0.03
2022Detailed filing. Detailed filing data is available for this year.$19.0$16.7$2.34$0.44$0.35$0.09
2021Detailed filing. Detailed filing data is available for this year.$19.6$17.3$2.26$0.52$0.44$0.08
2020Detailed filing. Detailed filing data is available for this year.$19.4$17.2$2.18$0.59$0.41$0.18
2019Detailed filing. Detailed filing data is available for this year.$18.9$16.9$2.00$0.56$0.49$0.08
2018Detailed filing. Detailed filing data is available for this year.$19.0$17.0$1.92$0.52$0.43$0.09
2017Detailed filing. Detailed filing data is available for this year.$18.7$16.8$1.83$0.47$0.39$0.08
2016Detailed filing. Detailed filing data is available for this year.$18.3$16.5$1.75$0.46$0.40$0.05
2015Detailed filing. Detailed filing data is available for this year.$17.9$16.2$1.70$0.47$0.41$0.05
2014Detailed filing. Detailed filing data is available for this year.$17.5$15.8$1.65$0.46$0.46$0.00
2013Detailed filing. Detailed filing data is available for this year.$16.6$15.0$1.65$0.51$0.53$0.01
2012Summary only. Only limited summary data is available for this year.$15.8$14.2$1.66$0.56$0.55$0.02
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$0.15$14.7$0.54
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$0.13$14.6$0.54
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 26, 2025
Return Version
2024v5.1
Gross Receipts
$515,575
Mission and Program Overview

Mission

A state chartered credit union, which

A state chartered credit union, which provides financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$12,917,587$12,909,374▼ $8,213
Accounts Receivable$3,911,159$4,052,145▲ $140,986
Rtn Earn Endowment Incm Other Fnds$2,369,447$2,389,625▲ $20,178
Receivables From Officers Etc$174,283$182,827▲ $8,544
Cash and Non-Interest-Bearing Accounts$316,182$174,309▼ $141,873
Prepaid Expenses and Deferred Charges$12,393$12,513▲ $120
Land, Buildings, and Equipment, Net$9,357$6,692▼ $2,665
Total Assets$17,380,245$17,386,193▲ $5,948
Other Assets Total$39,284$48,333▲ $9,049
Liabilities
Other Liabilities$14,909,502$14,912,276▲ $2,774
Accounts Payable and Accrued Expenses$101,296$84,292▼ $17,004
Total Liabilities$15,010,798$14,996,568▼ $14,230
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,369,447$2,389,625▲ $20,178
Total Liabilities and Net Assets / Fund Balance$17,380,245$17,386,193▲ $5,948

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$12,909,374--
Land$0--
Equipment$6,692$76,881-
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Amber PearceManager, CEOFT$93,812$93,812

Board Members and Trustees

NameTitle
Michael CotaChairman
Chane BlandfordVice Chairman
Charles HarringtonBoard of Directors
Peggy TaylorBoard of Directors
Rick BrownBoard of Directors
Wanda VallesSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$221,093
Investment Income
$294,482
Other Revenue
$0
Change in Net Assets
$20,178
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$256,109
Salaries, Compensation, and Employee Benefits$239,288
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$93,812$0$0$93,812
Other Salaries and Wages$78,077$0$0$78,077
Other Employee Benefits$54,852$0$0$54,852
Office Expenses$17,373$0$0$17,373
Payroll Taxes$12,547$0$0$12,547
Fees for Services Accounting$8,483$0$0$8,483
All Other Expenses$6,725$0$0$6,725
Information Technology$4,223$0$0$4,223
Conferences and Meetings$3,889$0$0$3,889
Depreciation Depletion$2,097$0$0$2,097
Occupancy$1,710$0$0$1,710
Other Expenses$-14,609$0$0$-14,609
Total Functional Expenses$495,397$0$0$495,397
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
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
Receivables from Officers, Directors, Trustees, and Key Employees$174,283$182,827▲ $8,544
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$14,912,276
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Midland Municipal Employees Credit Union
EIN
75-6029878
Phone
4326857933
Address
PO Box 1152, Midland, TX 79702

Signing Officer

Name
Michael Cota
Title
President
Phone
4326857933
Signed
2025-03-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Cota
Formed
1953
Legal Domicile
TX
Voting Board Members
6
Independent Board Members
6
Employees
3
Volunteers
6

Preparer

Firm
Greg R Schmidt CPA
Address
26 Cypress Pt, Amarillo, TX 79124
Preparer
Greg R Schmidt
Phone
8552759297
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

“All accountholders are members”

Pt VI, Line 7A

“Members vote for who will serve on the Board of Directors”

Pt VI, Line 11B

“Board contracted licensed tax preparer to aid in completing form”

Pt XI

“CECL adjustment to Undivided Earnings”

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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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt620000
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Wanda Valles
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Amber Pearce
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Chane Blandford
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Michael Cota
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Rick Brown
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Charles Harrington
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Board contracted licensed tax preparer to aid in completing form
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CECL adjustment to Undivided Earnings
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt XI
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