Civic Intelligence

Members Preferred Credit Union

990 • Fiscal year 2012 • EIN 82-0288866

Jan 01, 2012 to Dec 31, 2012 • Filed on Oct 04, 2013

Organization ProfileWWW.MEMBERSPREFFERED.ORG

View Organization Page

1515 Hoopes Avenue83404
Siviq Scores

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

Liabilities / Assets

94th percentile

0.93x

Higher debt load relative to assets than 94% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

1st percentile

-11%

Faster asset growth than 1% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets94th percentile

Assets

Down

$21,060,063

Down $2,529,368 (-11%) from 2011

Net Assets

Up

$1,557,589

Up $215,734 (+16%) from 2011

Liabilities

Down

$19,502,474

Down $2,745,102 (-12%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$1,104,759

Up $113,700 (+11%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

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

$60M$40M$20M$0Assets 2010: $25,801,587Liabilities 2010: $25,042,726Net Assets 2010: $758,8612010Assets 2011: $23,589,431Liabilities 2011: $22,247,576Net Assets 2011: $1,341,8552011Assets 2012: $21,060,063Liabilities 2012: $19,502,474Net Assets 2012: $1,557,5892012Assets 2013: $20,371,654Liabilities 2013: $18,606,063Net Assets 2013: $1,765,5912013Assets 2014: $19,737,618Liabilities 2014: $17,660,638Net Assets 2014: $2,076,9802014Assets 2015: $21,149,668Liabilities 2015: $18,770,878Net Assets 2015: $2,378,7902015Assets 2016: $23,775,100Liabilities 2016: $20,837,535Net Assets 2016: $2,937,5652016Assets 2017: $26,719,015Liabilities 2017: $23,276,033Net Assets 2017: $3,442,9822017Assets 2018: $28,649,126Liabilities 2018: $24,547,351Net Assets 2018: $4,101,7752018Assets 2019: $31,928,279Liabilities 2019: $26,919,018Net Assets 2019: $5,009,2612019Assets 2020: $39,913,221Liabilities 2020: $33,873,705Net Assets 2020: $6,039,5162020Assets 2021: $44,434,469Liabilities 2021: $37,305,073Net Assets 2021: $7,129,3962021Assets 2022: $47,386,036Liabilities 2022: $39,229,799Net Assets 2022: $8,156,2372022Assets 2023: $50,515,231Liabilities 2023: $40,980,734Net Assets 2023: $9,534,4972023Assets 2024: $55,666,230Liabilities 2024: $44,684,008Net Assets 2024: $10,982,2222024

Highlighted filing

2012

Assets$21,060,063
Liabilities$19,502,474
Net Assets$1,557,589
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$6.0M$4.0M$2.0M$0Expenses 2010: $2,618,9412010Expenses 2011: $991,0592011Expenses 2012: $1,104,7592012Revenue 2013: $1,155,175Expenses 2013: $947,173Net Income 2013: $208,0022013Revenue 2014: $1,224,028Expenses 2014: $912,639Net Income 2014: $311,3892014Revenue 2015: $1,314,466Expenses 2015: $1,012,656Net Income 2015: $301,8102015Revenue 2016: $1,658,985Expenses 2016: $1,100,210Net Income 2016: $558,7752016Revenue 2017: $1,856,924Expenses 2017: $1,351,507Net Income 2017: $505,4172017Revenue 2018: $2,120,803Expenses 2018: $1,462,010Net Income 2018: $658,7932018Revenue 2019: $2,587,271Expenses 2019: $1,679,785Net Income 2019: $907,4862019Revenue 2020: $2,725,909Expenses 2020: $1,695,653Net Income 2020: $1,030,2562020Revenue 2021: $2,783,114Expenses 2021: $1,693,235Net Income 2021: $1,089,8792021Revenue 2022: $3,414,497Expenses 2022: $2,387,656Net Income 2022: $1,026,8412022Revenue 2023: $4,101,450Expenses 2023: $2,723,190Net Income 2023: $1,378,2602023Revenue 2024: $5,079,910Expenses 2024: $3,632,185Net Income 2024: $1,447,7252024

Highlighted filing

2012

Revenue-
Expenses$1,104,759
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Oct 4, 2013
Return Version
2012v2.0
Gross Receipts
$1,320,493
Mission and Program Overview

Mission

To provide co-operative financial services to members.

Filing and Contact Details

Filer

EIN
82-0288866
Raw XML AppendixShowing 400 of 402 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/Explanation0MPCU makes its information available to the public in the following ways:1.) Annual member meeting to discuss financial results of operations, policies and procedures, and election of board members.2.) Financial statements are posted in MPCU's lobby on a monthly basis.3.) Summarized financial information is available on MPCU's website.4.) Individual requests to review governing documents and policy/procedure manuals can be made at the main branch.
IRS990ScheduleO/GeneralExplanation/Explanation1MPCU uses a third-party software program to assist in determining the compensation of management and other key employees. The software, CompEase from Koker Goodwin & Associates, has been developed specifically for the credit union industry. It contains detailed compensation information for credit unions that are similar in size to MPCU and are located in our geographical area. Based on the information from CompEase, management proposes a compensation amount to the board of directors. The board is responsible for the final approval or disapproval of the proposed compensation amount.
IRS990ScheduleO/GeneralExplanation/Explanation2MPCU closely monitors and enforces its conflict of interest policy. This is done primarily by the board of directors at its monthly board meetings. Potential conflicts of interest are brought to the attention of the board at these meetings, and affected board members are precluded from voting or commenting on the item or issue.
IRS990ScheduleO/GeneralExplanation/Explanation3The board of directors has assigned management with the responsibility of ensuring that Form 990 is accurately prepared and timely filed.Management works closely with its external accountant to prepare Form 990. Management provides the information, both financial and non-financial, necessary to prepare the form. Management is provided a complete copy of Form 990 to review and sign. The return is not filed until this review is complete and the necessary signature is obtained.
IRS990ScheduleO/GeneralExplanation/Explanation4There are approximately 3,750 members that utilize the financial services provided by Members Preferred Credit Union (MPCU).
IRS990ScheduleO/GeneralExplanation/Identifier0Form 990, Part VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier1Form 990, Part VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier2Form 990, Part VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier3Form 990, Part VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Form 990, Part VI, Line 6
IRS990ScheduleO/GeneralExplanation/ReturnReference0Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/GeneralExplanation/ReturnReference1Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/GeneralExplanation/ReturnReference2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
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ReturnHeader/Filer/USAddress/City0IDAHO FALLS
ReturnHeader/Filer/USAddress/State0ID
ReturnHeader/Filer/USAddress/ZIPCode083404
ReturnHeader/Officer/AuthorizeThirdParty0true
ReturnHeader/Officer/DateSigned02013-10-04
ReturnHeader/Officer/Name0Greg Johnson
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10Rudd & Company PLLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10725 S Woodruff Ave
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0Idaho Falls
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0ID
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode083401
ReturnHeader/Preparer/Name0RICHARD K HALE
ReturnHeader/Preparer/Phone02085299276
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31

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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
$21,060,063
Liabilities
$19,502,474
Net assets
$1,557,589
Revenue
-
Expenses
$1,104,759
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$55.7$44.7$11.0$5.08$3.63$1.45
2023Detailed filing. Detailed filing data is available for this year.$50.5$41.0$9.53$4.10$2.72$1.38
2022Detailed filing. Detailed filing data is available for this year.$47.4$39.2$8.16$3.41$2.39$1.03
2021Detailed filing. Detailed filing data is available for this year.$44.4$37.3$7.13$2.78$1.69$1.09
2020Detailed filing. Detailed filing data is available for this year.$39.9$33.9$6.04$2.73$1.70$1.03
2019Detailed filing. Detailed filing data is available for this year.$31.9$26.9$5.01$2.59$1.68$0.91
2018Detailed filing. Detailed filing data is available for this year.$28.6$24.5$4.10$2.12$1.46$0.66
2017Detailed filing. Detailed filing data is available for this year.$26.7$23.3$3.44$1.86$1.35$0.51
2016Detailed filing. Detailed filing data is available for this year.$23.8$20.8$2.94$1.66$1.10$0.56
2015Detailed filing. Detailed filing data is available for this year.$21.1$18.8$2.38$1.31$1.01$0.30
2014Detailed filing. Detailed filing data is available for this year.$19.7$17.7$2.08$1.22$0.91$0.31
2013Detailed filing. Detailed filing data is available for this year.$20.4$18.6$1.77$1.16$0.95$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.1$19.5$1.56$1.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.6$22.2$1.34$0.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$25.8$25.0$0.76$2.62