Civic Intelligence

Millard County Credit Union

990 • Fiscal year 2013 • EIN 87-0237481

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 27, 2014

Organization ProfileN/A

View Organization Page

40 South 100 West84631

(435) 864-4411

Siviq Scores

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

Liabilities / Assets

55th percentile

0.89x

Higher debt load relative to assets than 55% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

65th percentile

22.30x

Higher debt load relative to revenue than 65% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

40th percentile

4.0%

Higher net margin than 40% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

9th percentile

$0

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

18th percentile

-2.2%

Faster asset growth than 18% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M 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

Balance Sheet
Liabilities / Assets55th percentile

Assets

Down

$27,831,534

Down $617,797 (-2.2%) from 2012

Net Assets

Up

$3,144,650

Up $136,035 (+4.5%) from 2012

Liabilities

Down

$24,686,884

Down $753,832 (-3.0%) from 2012

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin40th percentile

Revenue

$1,106,913

No earlier filing loaded for comparison.

Expenses

Down

$1,062,718

Down $51,673 (-4.6%) from 2012

Net Income

$44,195

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$60M$40M$20M$0Assets 2010: $24,455,376Liabilities 2010: $21,477,139Net Assets 2010: $2,978,2372010Assets 2011: $26,656,206Liabilities 2011: $23,764,738Net Assets 2011: $2,891,4682011Assets 2012: $28,449,331Liabilities 2012: $25,440,716Net Assets 2012: $3,008,6152012Assets 2013: $27,831,534Liabilities 2013: $24,686,884Net Assets 2013: $3,144,6502013Assets 2014: $28,707,565Liabilities 2014: $25,478,526Net Assets 2014: $3,229,0392014Assets 2015: $30,779,346Liabilities 2015: $27,447,629Net Assets 2015: $3,331,7172015Assets 2016: $32,094,845Liabilities 2016: $28,747,517Net Assets 2016: $3,347,3282016Assets 2017: $34,957,276Liabilities 2017: $31,347,795Net Assets 2017: $3,609,4812017Assets 2018: $38,600,159Liabilities 2018: $34,822,158Net Assets 2018: $3,778,0012018Assets 2019: $41,711,244Liabilities 2019: $37,476,871Net Assets 2019: $4,234,3732019Assets 2020: $48,652,488Liabilities 2020: $44,192,092Net Assets 2020: $4,460,3962020Assets 2021: $57,306,387Liabilities 2021: $52,534,256Net Assets 2021: $4,772,1312021Assets 2022: $58,129,266Liabilities 2022: $52,916,164Net Assets 2022: $5,213,1022022Assets 2023: $55,198,482Liabilities 2023: $49,478,221Net Assets 2023: $5,720,2612023Assets 2024: $59,381,941Liabilities 2024: $52,960,283Net Assets 2024: $6,421,6582024

Highlighted filing

2013

Assets$27,831,534
Liabilities$24,686,884
Net Assets$3,144,650
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Expenses 2010: $1,274,1532010Expenses 2011: $1,155,4092011Expenses 2012: $1,114,3912012Revenue 2013: $1,106,913Expenses 2013: $1,062,718Net Income 2013: $44,1952013Revenue 2014: $1,114,581Expenses 2014: $997,293Net Income 2014: $117,2882014Revenue 2015: $1,136,878Expenses 2015: $990,727Net Income 2015: $146,1512015Revenue 2016: $1,157,307Expenses 2016: $1,019,722Net Income 2016: $137,5852016Revenue 2017: $1,244,828Expenses 2017: $1,003,453Net Income 2017: $241,3752017Revenue 2018: $1,384,741Expenses 2018: $1,084,536Net Income 2018: $300,2052018Revenue 2019: $1,635,920Expenses 2019: $1,187,482Net Income 2019: $448,4382019Revenue 2020: $1,595,003Expenses 2020: $1,246,064Net Income 2020: $348,9392020Revenue 2021: $1,526,787Expenses 2021: $1,265,575Net Income 2021: $261,2122021Revenue 2022: $1,769,688Expenses 2022: $1,382,889Net Income 2022: $386,7992022Revenue 2023: $2,258,050Expenses 2023: $1,667,351Net Income 2023: $590,6992023Revenue 2024: $2,786,495Expenses 2024: $2,124,062Net Income 2024: $662,4332024

Highlighted filing

2013

Revenue$1,106,913
Expenses$1,062,718
Net Income$44,195
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 27, 2014
Return Version
2013v3.1
Gross Receipts
$1,106,913
Mission and Program Overview

Mission

Providing credit union services to members through a state chartered credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,551,882$16,710,032▲ $1,158,150
Savings and Temporary Cash Investments$11,873,434$10,211,638▼ $1,661,796
Rtn Earn Endowment Incm Other Fnds$3,008,615$3,144,650▲ $136,035
Cash and Non-Interest-Bearing Accounts$357,197$268,453▼ $88,744
Land, Buildings, and Equipment, Net$257,119$230,227▼ $26,892
Prepaid Expenses and Deferred Charges$56,524$58,765▲ $2,241
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$28,449,331$27,831,534▼ $617,797
Other Assets Total$353,175$352,419▼ $756
Liabilities
Other Liabilities$25,246,634$24,647,674▼ $598,960
Accounts Payable and Accrued Expenses$194,082$39,210▼ $154,872
Total Liabilities$25,440,716$24,686,884▼ $753,832
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,008,615$3,144,650▲ $136,035
Total Liabilities and Net Assets / Fund Balance$28,449,331$27,831,534▼ $617,797

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$84,466$586,531$670,997
Other Land Buildings$77,956$243,659$321,615
Land$67,805-$67,805
Compensation and Service Providers
Top Officer Pay9th percentile

Board Members and Trustees

NameTitle
Margaret OversonChairman
Mark PierceDirector
Star CummingsDirector
Syd BassettDirector
Wr FinlinsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,048,337
Investment Income
$58,576
Other Revenue
$0
Change in Net Assets
$44,195
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$593,550
Other Expenses$469,168
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$593,550
Office Expenses---$254,582
Occupancy---$46,463
All Other Expenses---$34,692
Insurance---$19,673
Other Expenses---$10,878
Travel---$5,714
Total Functional Expenses$0$0$0$1,062,718
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$16,405,953
Share Drafts$7,054,286
Ira/keogh$606,088
Share Certificates$581,347
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
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

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Members of the credit union are required to maintain at least $25 in a share account at all times to qualify for membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The president of the credit union, steve shiner, performed a review of the form 990 before it was filed with the internal revenue service.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The organization posts financial information in its office and on ncua.gov.”

Filing and Contact Details

Filer

EIN
87-0237481
Phone
4358644411

Signing Officer

Name
Steve Shiner
Title
President
Signed
2014-10-27
Discuss with paid preparer
Yes

Organization Details

Formed
1956
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
5
Employees
17
Volunteers
7

Preparer

Preparer
Russell Dickson
Phone
8018596545
Raw XML Appendix340 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/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE REQUIRED TO MAINTAIN AT LEAST $25 IN A SHARE ACCOUNT AT ALL TIMES TO QUALIFY FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT OF THE CREDIT UNION, STEVE SHINER, PERFORMED A REVIEW OF THE FORM 990 BEFORE IT WAS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION POSTS FINANCIAL INFORMATION IN ITS OFFICE AND ON NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt028449331
IRS990/TotalAssetsEOYAmt027831534
IRS990/TotalAssetsGrp/BOYAmt028449331
IRS990/TotalAssetsGrp/EOYAmt027831534
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt017
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01062718
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025440716
IRS990/TotalLiabilitiesEOYAmt024686884
IRS990/TotalLiabilitiesGrp/BOYAmt025440716
IRS990/TotalLiabilitiesGrp/EOYAmt024686884
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03008615
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03144650
IRS990/TotalProgramServiceRevenueAmt01048337
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01106913
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01106913
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt028449331
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt027831534
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt05714
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVE SHINER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-10-27
ReturnHeader/Filer/BusinessName/BusinessNameLine10MILLARD COUNTY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MILL
ReturnHeader/Filer/EIN0870237481
ReturnHeader/Filer/PhoneNum04358644411
ReturnHeader/Filer/USAddress/AddressLine1040 SOUTH 100 WEST
ReturnHeader/Filer/USAddress/City0FILLMORE
ReturnHeader/Filer/USAddress/State0UT
ReturnHeader/Filer/USAddress/ZIPCode084631
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102956 S Hudson Cir
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02014-10-31T10:17:14-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$27,831,534
Liabilities
$24,686,884
Net assets
$3,144,650
Revenue
$1,106,913
Expenses
$1,062,718
Net income
$44,195
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.4$53.0$6.42$2.79$2.12$0.66
2023Summary only. Only limited summary data is available for this year.$55.2$49.5$5.72$2.26$1.67$0.59
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.1$52.9$5.21$1.77$1.38$0.39
2021Summary only. Only limited summary data is available for this year.$57.3$52.5$4.77$1.53$1.27$0.26
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.7$44.2$4.46$1.60$1.25$0.35
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.7$37.5$4.23$1.64$1.19$0.45
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.6$34.8$3.78$1.38$1.08$0.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.0$31.3$3.61$1.24$1.00$0.24
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.1$28.7$3.35$1.16$1.02$0.14
2015Summary only. Only limited summary data is available for this year.$30.8$27.4$3.33$1.14$0.99$0.15
2014Detailed filing. Detailed filing data is available for this year.$28.7$25.5$3.23$1.11$1.00$0.12
2013Detailed filing. Detailed filing data is available for this year.$27.8$24.7$3.14$1.11$1.06$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.4$25.4$3.01$1.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.7$23.8$2.89$1.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.5$21.5$2.98$1.27