Civic Intelligence

Marion and Polk Schools Credit Union

990 • Fiscal year 2017 • EIN 93-0465543

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

Organization ProfileWWW.MAPSCU.COM

View Organization Page

PO Box 12398Salem, OR 97309

(503) 588-0181

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

40th percentile

16.85x

Higher debt load relative to revenue than 40% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

88th percentile

24%

Higher net margin than 88% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

47th percentile

$390,866

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 1.0% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

89th percentile

13%

Faster asset growth than 89% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

97th percentile

24%

Faster revenue growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$691,103,235

Up $77,920,827 (+13%) from 2016

Net Assets

Up

$57,576,145

Up $8,771,134 (+18%) from 2016

Liabilities

Up

$633,527,090

Up $69,149,693 (+12%) from 2016

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin88th percentile

Revenue

Up

$37,591,520

Up $7,364,357 (+24%) from 2016

Expenses

Up

$28,724,821

Up $3,871,630 (+16%) from 2016

Net Income

Up

$8,866,699

Up $3,492,727 (+65%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth89th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $386,512,846Liabilities 2010: $361,077,758Net Assets 2010: $25,435,0882010Assets 2011: $410,005,552Liabilities 2011: $381,888,026Net Assets 2011: $28,117,5262011Assets 2012: $445,383,776Liabilities 2012: $413,688,001Net Assets 2012: $31,695,7752012Assets 2013: $464,346,657Liabilities 2013: $434,177,650Net Assets 2013: $30,169,0072013Assets 2014: $498,469,240Liabilities 2014: $460,604,690Net Assets 2014: $37,864,5502014Assets 2015: $551,478,034Liabilities 2015: $508,696,216Net Assets 2015: $42,781,8182015Assets 2016: $613,182,408Liabilities 2016: $564,377,397Net Assets 2016: $48,805,0112016Assets 2017: $691,103,235Liabilities 2017: $633,527,090Net Assets 2017: $57,576,1452017Assets 2018: $745,587,945Liabilities 2018: $675,494,150Net Assets 2018: $70,093,7952018Assets 2019: $819,120,790Liabilities 2019: $736,375,075Net Assets 2019: $82,745,7152019Assets 2020: $1,044,818,705Liabilities 2020: $948,799,565Net Assets 2020: $96,019,1402020Assets 2021: $1,240,763,671Liabilities 2021: $1,132,425,456Net Assets 2021: $108,338,2152021Assets 2022: $1,267,542,136Liabilities 2022: $1,146,785,841Net Assets 2022: $120,756,2952022Assets 2023: $1,349,733,425Liabilities 2023: $1,212,897,695Net Assets 2023: $136,835,7302023Assets 2024: $1,380,746,138Liabilities 2024: $1,228,697,693Net Assets 2024: $152,048,4452024

Highlighted filing

2017

Assets$691,103,235
Liabilities$633,527,090
Net Assets$57,576,145
Open 2017 Filing

Operations Trend

Revenue Growth97th percentile

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

$100M$50M$0Expenses 2010: $18,240,4022010Expenses 2011: $19,177,0292011Expenses 2012: $19,920,2432012Revenue 2013: $23,574,049Expenses 2013: $19,871,967Net Income 2013: $3,702,0822013Revenue 2014: $24,188,300Expenses 2014: $19,882,127Net Income 2014: $4,306,1732014Revenue 2015: $27,374,445Expenses 2015: $22,179,749Net Income 2015: $5,194,6962015Revenue 2016: $30,227,163Expenses 2016: $24,853,191Net Income 2016: $5,373,9722016Revenue 2017: $37,591,520Expenses 2017: $28,724,821Net Income 2017: $8,866,6992017Revenue 2018: $45,062,653Expenses 2018: $32,393,232Net Income 2018: $12,669,4212018Revenue 2019: $51,259,366Expenses 2019: $38,475,363Net Income 2019: $12,784,0032019Revenue 2020: $53,643,884Expenses 2020: $40,208,076Net Income 2020: $13,435,8082020Revenue 2021: $55,245,201Expenses 2021: $42,850,929Net Income 2021: $12,394,2722021Revenue 2022: $64,626,460Expenses 2022: $48,309,555Net Income 2022: $16,316,9052022Revenue 2023: $76,028,615Expenses 2023: $62,208,074Net Income 2023: $13,820,5412023Revenue 2024: $89,943,562Expenses 2024: $75,778,181Net Income 2024: $14,165,3812024

Highlighted filing

2017

Revenue$37,591,520
Expenses$28,724,821
Net Income$8,866,699
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.0
Gross Receipts
$37,574,462
Mission and Program Overview

Mission

Create and maintain long-term, mutually beneficial relationships with our members and our employees

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$468,705,862$539,886,212▲ $71,180,350
Cash and Non-Interest-Bearing Accounts$58,658,378$71,712,044▲ $13,053,666
Rtn Earn Endowment Incm Other Fnds$48,805,011$57,576,145▲ $8,771,134
Investments in Publicly Traded Securities$36,071,760$28,074,362▼ $7,997,398
Land, Buildings, and Equipment, Net$22,172,988$22,195,164▲ $22,176
Investments Other Securities$11,379,154$14,385,156▲ $3,006,002
Receivables From Officers Etc$1,529,488$1,617,503▲ $88,015
Inventories for Sale or Use$730,400$1,451,193▲ $720,793
Prepaid Expenses and Deferred Charges$1,060,053$1,091,203▲ $31,150
Accounts Receivable$2,129,572$510,563▼ $1,619,009
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$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
Loans From Officers Directors$0$0→ $0
Total Assets$613,182,408$691,103,235▲ $77,920,827
Other Assets Total$10,744,753$10,179,835▼ $564,918
Liabilities
Other Liabilities$553,702,331$621,458,330▲ $67,755,999
Accounts Payable and Accrued Expenses$10,675,066$12,068,760▲ $1,393,694
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$564,377,397$633,527,090▲ $69,149,693
Net Assets / Fund Balance
Total Net Assets Fund Balance$48,805,011$57,576,145▲ $8,771,134
Total Liabilities and Net Assets / Fund Balance$613,182,408$691,103,235▲ $77,920,827

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,453,320$1,168,526$13,621,846
Equipment$1,719,133$7,808,675$9,527,808
Leasehold Improvements$3,519,894$2,156,138$5,676,032
Land$4,502,817-$4,502,817
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark ZookPresident/CEOFT$318,063$72,803$390,866
Christopher FedericiSVP Portfolio BankingFT$131,078$34,241$165,319
Charles DaikerSVP Information TechnologyFT$143,795$2,353$146,148
David HalterVP Mortgage LendingFT$138,784$5,692$144,476
Barbara KoontzInvestment RepresentativeFT$138,306$5,198$143,504
Rachel ProssChief Risk OfficerFT$143,472-$143,472
Toni SilbernagelSVP LendingFT$139,512$3,753$143,265
Shane SaundersChief Experience OfficerFT$138,479$4,394$142,873
Patricia WalkerChief Lending OfficerFT$126,595$8,211$134,806
Christopher GilesVP PaymentsFT$123,786-$123,786

Board Members and Trustees

NameTitle
Joe PhillippayChairman
Brant WolfBoard Member
Gordon SawserBoard Member
Jeff AntricanBoard Member
Judy BeebeBoard Member
Phil FreyBoard Member
Tom MarksBoard Member

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservSoftware ProviderPO Box 99924, Grapevine, TX 76033$1,121,363
CD ReddingConstruction2837 22nd St SE, Salem, OR 97302$676,931
Cook SecuritySecurity Provider5841 SE International Way, Milwaukie, OR 97222$383,850
CDW Direct LLCComputer Hardward and EquipmentPO Box 75723, Chicago, IL 60675$220,458
BrinksArmored Car Services, Money ProcessingPO Box 101031, Atlanta, GA 30392$193,657
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,609,780
Investment Income
$1,990,720
Other Revenue
$991,020
Change in Net Assets
$8,866,699

Audited Revenue Reconciliation

Revenue per Audited Statements
$37,591,520
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$37,591,520
Total Revenue per Form 990
$37,591,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$14,987,307
Salaries, Compensation, and Employee Benefits$13,654,795
Grants and Similar Amounts Paid$82,719
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,687,903
Occupancy---$2,008,113
Office Expenses---$1,480,053
Other Employee Benefits---$1,248,017
Payroll Taxes---$1,089,720
Information Technology---$1,057,250
Depreciation Depletion---$1,004,362
Current Officers, Directors, Trustees, and Key Employees---$977,337
Fees for Services Accounting---$848,931
Fees for Services Other---$728,753
Other Expenses---$692,733
Pension Plan Contributions---$651,818
Interest---$565,225
Advertising---$328,552
Insurance---$293,451
All Other Expenses---$268,591
Travel---$186,957
Grants to Domestic Orgs---$82,719
Conferences and Meetings---$28,435
Fees for Services Legal---$14,276
Total Functional Expenses$0$0$0$28,724,821

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$28,724,821
Total Expenses per Audited Statements$28,724,821
Total Expenses per Form 990$28,724,821
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Maps Community FoundationSalem, OR501 (c)(3)Each time Credit Union members use the Free Community Checking debit card, Maps donates a penny to Maps Community Foundation for college scholarships, teacher grants, and other community causes.$82,719
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$1,529,488$1,617,503▲ $88,015
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits and Share Accounts$621,458,330
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Tom Marks, Board member, and Mark Zook, CEO, along with others are partial owners of a piece of property.”

Form 990, Part VI, Section A, Line 6

“The Credit Union has members.”

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

“The Board of Directors are elected by Credit Union members.”

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

“Mergers and removal of directors require member approval.”

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

“Form 990 is reviewed by the VP of Accounting and VP of Finance.”

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

“Annual review of interests and involvements.”

Form 990, Part VI, Section B, Line 15

“Annual compensation reviews are completed. Board compensation committee reviews CEO compensation. Third-party compensation study completed on all positions.”

Form 990, Part VI, Section C, Line 19

“Balance sheet is posted in branch locations. Other financial statements, documents, and policies are available for member review upon request.”

Filing and Contact Details

Filer

Filer Name
Marion and Polk Schools Credit Union
EIN
93-0465543
Phone
5035880181
Address
PO BOX 12398, SALEM, OR 97309

Signing Officer

Name
Scott Turner
Title
VP of Accounting
Phone
5035880181
Signed
2018-11-13

Organization Details

Principal Officer
Mark Zook
Formed
1935
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
289
Volunteers
12
Supplemental Narrative

Financial Statement Notes

Schedule D, Part X, Line 2

“Beginning in March 2008, the Internal Revenue Service (IRS) released Technical Advice Memorandums (TAMs) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (UBIT). UBI may also be subject to tax in certain states. Management has assessed the Credit Union's activities and any potential federal or state income tax liability and determined that the Credit Union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2016, 2014, and 2013 federal income tax returns are open for examination by the IRS. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the IRS.”

Raw XML AppendixShowing 400 of 879 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/PersonNm0Joe Phillippay
IRS990/Form990PartVIISectionAGrp/PersonNm1Phil Frey
IRS990/Form990PartVIISectionAGrp/PersonNm2Gordon Sawser
IRS990/Form990PartVIISectionAGrp/PersonNm3Judy Beebe
IRS990/Form990PartVIISectionAGrp/PersonNm4Brant Wolf
IRS990/Form990PartVIISectionAGrp/PersonNm5Jeff Antrican
IRS990/Form990PartVIISectionAGrp/PersonNm6Tom Marks
IRS990/Form990PartVIISectionAGrp/PersonNm7Mark Zook
IRS990/Form990PartVIISectionAGrp/PersonNm8Rachel Pross
IRS990/Form990PartVIISectionAGrp/PersonNm9Shane Saunders
IRS990/Form990PartVIISectionAGrp/PersonNm10Patricia Walker
IRS990/Form990PartVIISectionAGrp/PersonNm11Christopher Federici
IRS990/Form990PartVIISectionAGrp/PersonNm12Charles Daiker
IRS990/Form990PartVIISectionAGrp/PersonNm13Toni Silbernagel
IRS990/Form990PartVIISectionAGrp/PersonNm14David Halter
IRS990/Form990PartVIISectionAGrp/PersonNm15Barbara Koontz
IRS990/Form990PartVIISectionAGrp/PersonNm16Christopher Giles
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IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Risk Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Experience Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11SVP Portfolio Banking
IRS990/Form990PartVIISectionAGrp/TitleTxt12SVP Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt15Investment Representative
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Payments
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Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$691,103,235
Liabilities
$633,527,090
Net assets
$57,576,145
Revenue
$37,591,520
Expenses
$28,724,821
Net income
$8,866,699
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1,381$1,229$152$89.9$75.8$14.2
2023Detailed filing. Detailed filing data is available for this year.$1,350$1,213$137$76.0$62.2$13.8
2022Detailed filing. Detailed filing data is available for this year.$1,268$1,147$121$64.6$48.3$16.3
2021Detailed filing. Detailed filing data is available for this year.$1,241$1,132$108$55.2$42.9$12.4
2020Detailed filing. Detailed filing data is available for this year.$1,045$949$96.0$53.6$40.2$13.4
2019Detailed filing. Detailed filing data is available for this year.$819$736$82.7$51.3$38.5$12.8
2018Detailed filing. Detailed filing data is available for this year.$746$675$70.1$45.1$32.4$12.7
2017Detailed filing. Detailed filing data is available for this year.$691$634$57.6$37.6$28.7$8.87
2016Detailed filing. Detailed filing data is available for this year.$613$564$48.8$30.2$24.9$5.37
2015Detailed filing. Detailed filing data is available for this year.$551$509$42.8$27.4$22.2$5.19
2014Detailed filing. Detailed filing data is available for this year.$498$461$37.9$24.2$19.9$4.31
2013Detailed filing. Detailed filing data is available for this year.$464$434$30.2$23.6$19.9$3.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$445$414$31.7$19.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$410$382$28.1$19.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$387$361$25.4$18.2
Peer Organizations

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