Civic Intelligence

Members 1St Credit Union

990 • Fiscal year 2012 • EIN 94-0362026

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 15, 2012

Organization ProfileWWW.M1CU.ORG

View Organization Page

4710 Mountain Lakes Blvd96003
Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

44th percentile

4.7%

Faster asset growth than 44% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets30th percentile

Assets

Up

$100,697,277

Up $4,520,289 (+4.7%) from 2011

Net Assets

Up

$12,499,426

Up $396,787 (+3.3%) from 2011

Liabilities

Up

$88,197,851

Up $4,123,502 (+4.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$5,013,946

Up $395,881 (+8.6%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$400M$300M$200M$100M$0Assets 2010: $92,715,033Liabilities 2010: $82,294,291Net Assets 2010: $10,420,7422010Assets 2011: $96,176,988Liabilities 2011: $84,074,349Net Assets 2011: $12,102,6392011Assets 2012: $100,697,277Liabilities 2012: $88,197,851Net Assets 2012: $12,499,4262012Assets 2013: $102,102,082Liabilities 2013: $89,731,975Net Assets 2013: $12,370,1072013Assets 2014: $111,304,133Liabilities 2014: $98,337,263Net Assets 2014: $12,966,8702014Assets 2015: $121,026,585Liabilities 2015: $107,809,652Net Assets 2015: $13,216,9332015Assets 2016: $171,880,786Liabilities 2016: $154,095,434Net Assets 2016: $17,785,3522016Assets 2017: $191,758,231Liabilities 2017: $173,009,467Net Assets 2017: $18,748,7642017Assets 2018: $225,720,081Liabilities 2018: $205,545,506Net Assets 2018: $20,174,5752018Assets 2019: $230,584,598Liabilities 2019: $208,233,415Net Assets 2019: $22,351,1832019Assets 2020: $274,338,047Liabilities 2020: $250,000,568Net Assets 2020: $24,337,4792020Assets 2021: $307,109,045Liabilities 2021: $281,071,007Net Assets 2021: $26,038,0382021Assets 2022: $328,864,768Liabilities 2022: $303,980,928Net Assets 2022: $24,883,8402022Assets 2023: $317,741,113Liabilities 2023: $289,444,929Net Assets 2023: $28,296,1842023Assets 2024: $340,724,621Liabilities 2024: $308,831,882Net Assets 2024: $31,892,7392024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2012

Assets$100,697,277
Liabilities$88,197,851
Net Assets$12,499,426
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$20M$15M$10M$5.0M$0Expenses 2010: $5,953,0752010Expenses 2011: $4,618,0652011Expenses 2012: $5,013,9462012Revenue 2013: $5,267,279Expenses 2013: $5,075,751Net Income 2013: $191,5282013Revenue 2014: $4,985,233Expenses 2014: $4,489,167Net Income 2014: $496,0662014Revenue 2015: $5,495,725Expenses 2015: $5,121,772Net Income 2015: $373,9532015Revenue 2016: $6,863,821Expenses 2016: $6,442,869Net Income 2016: $420,9522016Revenue 2017: $7,652,473Expenses 2017: $6,560,215Net Income 2017: $1,092,2582017Revenue 2018: $8,739,336Expenses 2018: $7,206,811Net Income 2018: $1,532,5252018Revenue 2019: $10,283,143Expenses 2019: $8,281,570Net Income 2019: $2,001,5732019Revenue 2020: $10,530,549Expenses 2020: $8,590,863Net Income 2020: $1,939,6862020Revenue 2021: $10,925,251Expenses 2021: $9,029,091Net Income 2021: $1,896,1602021Revenue 2022: $12,578,808Expenses 2022: $10,309,174Net Income 2022: $2,269,6342022Revenue 2023: $14,755,196Expenses 2023: $11,999,082Net Income 2023: $2,756,1142023Revenue 2024: $17,076,694Expenses 2024: $13,695,108Net Income 2024: $3,381,5862024Revenue 2025: $16,945,604Expenses 2025: $12,373,832Net Income 2025: $4,571,7722025

Highlighted filing

2012

Revenue-
Expenses$5,013,946
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 15, 2012
Return Version
2012v2.0
Gross Receipts
$5,368,886
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift andsavings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, members 1st credit unionconducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or servicesof the credit union being distributed to its members as patrons.

Major Activities

Activity 2
Lending program: members 1st credit union first began lending to its members in 1936. We have a successful track record of helping community members establish credit and we also offer rates that are good value. Expenses associated with lending include staff members and other costs generally associated with operating an office.
Activity 3
Deposits-service activity extending competitive savings rates to our members enables the credit union to fulfull its cooperative principles mission. Offering fair deposit rates enables the credit union to grow, reward savers and have accessible funds to lend to borrowers. Multiple individual retirement accounts are offered to serve the needs of the membership in the future.
Filing and Contact Details

Filer

EIN
94-0362026
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IRS990/Activity2/Description0LENDING PROGRAM: MEMBERS 1ST CREDIT UNION FIRST BEGAN LENDING TO ITS MEMBERS IN 1936. WE HAVE A SUCCESSFUL TRACK RECORD OF HELPING COMMUNITY MEMBERS ESTABLISH CREDIT AND WE ALSO OFFER RATES THAT ARE GOOD VALUE. EXPENSES ASSOCIATED WITH LENDING INCLUDE STAFF MEMBERS AND OTHER COSTS GENERALLY ASSOCIATED WITH OPERATING AN OFFICE.
IRS990/Activity3/Description0DEPOSITS-SERVICE ACTIVITY EXTENDING COMPETITIVE SAVINGS RATES TO OUR MEMBERS ENABLES THE CREDIT UNION TO FULFULL ITS COOPERATIVE PRINCIPLES MISSION. OFFERING FAIR DEPOSIT RATES ENABLES THE CREDIT UNION TO GROW, REWARD SAVERS AND HAVE ACCESSIBLE FUNDS TO LEND TO BORROWERS. MULTIPLE INDIVIDUAL RETIREMENT ACCOUNTS ARE OFFERED TO SERVE THE NEEDS OF THE MEMBERSHIP IN THE FUTURE.
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IRS990ScheduleO/GeneralExplanation/Explanation0The members are the owners.
IRS990ScheduleO/GeneralExplanation/Explanation1Members elect all members of the governing body.
IRS990ScheduleO/GeneralExplanation/Explanation2Some decisions of the governing body are subject to
IRS990ScheduleO/GeneralExplanation/Explanation3approval of the membership, ie mergers and charter change.
IRS990ScheduleO/GeneralExplanation/Explanation4A committee composed of three board members, (a CPA and
IRS990ScheduleO/GeneralExplanation/Explanation5two detailed-oriented members, all with 20+ years
IRS990ScheduleO/GeneralExplanation/Explanation6credit union experience) review Form 990 prior to
IRS990ScheduleO/GeneralExplanation/Explanation7filing.
IRS990ScheduleO/GeneralExplanation/Explanation8Employees are trained annually on conflict of interest policy.
IRS990ScheduleO/GeneralExplanation/Explanation9Employees are instructed to disclose any possible conflicts
IRS990ScheduleO/GeneralExplanation/Explanation10and, at the branch level, supervisors monitor any conflicts
IRS990ScheduleO/GeneralExplanation/Explanation11that may arise among employees and members.
IRS990ScheduleO/GeneralExplanation/Explanation12The initial review for the CEO is completed by the
IRS990ScheduleO/GeneralExplanation/Explanation13personnel committee of the board of directors. Once
IRS990ScheduleO/GeneralExplanation/Explanation14completed, it is presented to the entire board with
IRS990ScheduleO/GeneralExplanation/Explanation15a recommendation for any salary change or bonus.
IRS990ScheduleO/GeneralExplanation/Explanation16Compensation is reviewed and approved by the Board of Directors.
IRS990ScheduleO/GeneralExplanation/Explanation17The by-laws are filed with the state of California and
IRS990ScheduleO/GeneralExplanation/Explanation18are accessible to the public. The conflict of interest
IRS990ScheduleO/GeneralExplanation/Explanation19policy is available to the public via link on the Members
IRS990ScheduleO/GeneralExplanation/Explanation201st Credit Union Website. www.membersonline.org.
IRS990ScheduleO/GeneralExplanation/Explanation21LEAGUE DUES 20965.
IRS990ScheduleO/GeneralExplanation/Identifier0Pt VI, Line 6
IRS990ScheduleO/GeneralExplanation/Identifier1Pt VI, Line 7a
IRS990ScheduleO/GeneralExplanation/Identifier2Pt VI, Line 7b
IRS990ScheduleO/GeneralExplanation/Identifier3Pt VI, Line 11b
IRS990ScheduleO/GeneralExplanation/Identifier4Pt VI, Line 12c
IRS990ScheduleO/GeneralExplanation/Identifier5Pt VI, Line 15a
IRS990ScheduleO/GeneralExplanation/Identifier6Pt VI, Line 15b
IRS990ScheduleO/GeneralExplanation/Identifier7Pt VI, Line 19
IRS990ScheduleO/GeneralExplanation/Identifier8Form 990, Part IX, Line 24f
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0CA
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine104710 MOUNTAIN LAKES BLVD
IRS990/TheBooksAreInCareOf/AddressUS/City0REDDINGS
IRS990/TheBooksAreInCareOf/AddressUS/State0CA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode096003
IRS990/TheBooksAreInCareOf/NamePerson0TERI VANDERPOLEVP CFO
IRS990/TheBooksAreInCareOf/TelephoneNumber05302226060
IRS990/TotalAssets/BOY096176988
IRS990/TotalAssetsBOY096176988
IRS990/TotalAssets/EOY0100697277
IRS990/TotalAssetsEOY0100697277
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear05013946
IRS990/TotalExpensesPriorYear04618065
IRS990/TotalFunctionalExpenses/Total05013946
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0106954
IRS990/TotalLiabilities/BOY084074349
IRS990/TotalLiabilitiesBOY084074349
IRS990/TotalLiabilities/EOY088197851
IRS990/TotalLiabilitiesEOY088197851
IRS990/TotalLiabNetAssetsFundBalances/BOY096176988
IRS990/TotalLiabNetAssetsFundBalances/EOY0100697277
IRS990/TotalNbrEmployees077
IRS990/TotalNbrVolunteers016
IRS990/TotalNetAssetsFundBalances/BOY012102639
IRS990/TotalNetAssetsFundBalances/EOY012499426
IRS990/TotalOtherRevenue01446485
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue03550157
IRS990/TotalReportableCompFromOrg0222679
IRS990/TotalRevenueCurrentYear05351292
IRS990/TotalRevenuePriorYear06117815
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome05244338
IRS990/TotalRevenue/TotalRevenueColumn05351292
IRS990/TotalRevenue/UnrelatedBusinessRevenue0106954

Document Assets

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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
$100,697,277
Liabilities
$88,197,851
Net assets
$12,499,426
Revenue
-
Expenses
$5,013,946
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$16.9$12.4$4.57
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$341$309$31.9$17.1$13.7$3.38
2023Detailed filing. Detailed filing data is available for this year.$318$289$28.3$14.8$12.0$2.76
2022Detailed filing. Detailed filing data is available for this year.$329$304$24.9$12.6$10.3$2.27
2021Detailed filing. Detailed filing data is available for this year.$307$281$26.0$10.9$9.03$1.90
2020Detailed filing. Detailed filing data is available for this year.$274$250$24.3$10.5$8.59$1.94
2019Detailed filing. Detailed filing data is available for this year.$231$208$22.4$10.3$8.28$2.00
2018Summary only. Only limited summary data is available for this year.$226$206$20.2$8.74$7.21$1.53
2017Summary only. Only limited summary data is available for this year.$192$173$18.7$7.65$6.56$1.09
2016Detailed filing. Detailed filing data is available for this year.$172$154$17.8$6.86$6.44$0.42
2015Detailed filing. Detailed filing data is available for this year.$121$108$13.2$5.50$5.12$0.37
2014Detailed filing. Detailed filing data is available for this year.$111$98.3$13.0$4.99$4.49$0.50
2013Detailed filing. Detailed filing data is available for this year.$102$89.7$12.4$5.27$5.08$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$88.2$12.5$5.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.2$84.1$12.1$4.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$92.7$82.3$10.4$5.95