Civic Intelligence

Members 1St Credit Union

990 • Fiscal year 2016 • EIN 94-0362026

Jan 01, 2016 to Dec 31, 2016 • Filed on May 02, 2017

Organization Profilewww.membersonline.org

View Organization Page

4710 Mountain Lakes BlvdRedding, CA 96003

(530) 222-6060

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Liabilities / Revenue

81st percentile

22.45x

Higher debt load relative to revenue than 81% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Net Margin

30th percentile

6.1%

Higher net margin than 30% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Top Officer Pay

29th percentile

$163,513

Higher top officer pay than 29% of similar nonprofits.

Top officer pay equals 2.4% of source-year revenue.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2016

Asset Growth

99th percentile

42%

Faster asset growth than 99% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Revenue Growth

97th percentile

25%

Faster revenue growth than 97% of similar nonprofits.

2016 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$171,880,786

Up $50,854,201 (+42%) from 2015

Net Assets

Up

$17,785,352

Up $4,568,419 (+35%) from 2015

Liabilities

Up

$154,095,434

Up $46,285,782 (+43%) from 2015

Revenue And Expenses
Liabilities / Revenue81st percentileNet Margin30th percentile

Revenue

Up

$6,863,821

Up $1,368,096 (+25%) from 2015

Expenses

Up

$6,442,869

Up $1,321,097 (+26%) from 2015

Net Income

Up

$420,952

Up $46,999 (+13%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2016

Assets$171,880,786
Liabilities$154,095,434
Net Assets$17,785,352
Open 2016 Filing

Operations Trend

Revenue Growth97th percentile

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

2016

Revenue$6,863,821
Expenses$6,442,869
Net Income$420,952
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 2, 2017
Return Version
2016v3.0
Gross Receipts
$6,871,629
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.

Members 1st provides the convenient and relevant financial services that members need to achieve their goals and dreams.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,030,261$120,828,517▲ $35,798,256
Investments Program Related$14,666,221$29,066,697▲ $14,400,476
Rtn Earn Endowment Incm Other Fnds$13,216,933$17,785,352▲ $4,568,419
Cash and Non-Interest-Bearing Accounts$8,723,410$10,413,314▲ $1,689,904
Land, Buildings, and Equipment, Net$3,798,951$4,742,259▲ $943,308
Savings and Temporary Cash Investments$5,164,720$2,736,284▼ $2,428,436
Receivables From Officers Etc$2,320,613$1,985,216▼ $335,397
Prepaid Expenses and Deferred Charges$259,128$301,000▲ $41,872
Accounts Receivable$-181,927$19,014▲ $200,941
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$121,026,585$171,880,786▲ $50,854,201
Other Assets Total$1,245,208$1,788,485▲ $543,277
Liabilities
Other Liabilities$105,969,434$153,412,407▲ $47,442,973
Accounts Payable and Accrued Expenses$1,840,218$683,027▼ $1,157,191
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$107,809,652$154,095,434▲ $46,285,782
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,216,933$17,785,352▲ $4,568,419
Total Liabilities and Net Assets / Fund Balance$121,026,585$171,880,786▲ $50,854,201

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,959,182$2,008,518$4,967,700
Equipment$609,640$2,500,922$3,110,562
Land$1,172,449-$1,172,449
Leasehold Improvements$988$158,779$159,767
Investment Program Related Org$300,472--
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay29th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Teri VanderpolPresident/CEOFT$137,080$40,833$177,913
Mark MooreFormer CEO-$65,513$4,032$69,545

Board Members and Trustees

NameTitle
Ricki MillerChairperson
Jim Breslin1st Vice Chairperson
Ed Neiderberger2nd Vice Chairperson
Chris CummingsDirector
Don AndersonDirector
Jim BogueDirector
Kirt MonfortDirector
Kyle WestphalDirector
Lloyd BinningDirector
Sharon O'QuinDirector
Ken ReedSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,004,034
Investment Income
$637,063
Other Revenue
$222,724
Change in Net Assets
$420,952
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,399,728
Salaries, Compensation, and Employee Benefits$3,043,141
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,253,253
Office Expenses---$711,317
Depreciation Depletion---$362,062
Occupancy---$283,687
Payroll Taxes---$268,009
Advertising---$255,909
Current Officers, Directors, Trustees, and Key Employees---$231,743
Other Employee Benefits---$186,177
Information Technology---$147,982
Interest---$141,016
Pension Plan Contributions---$103,959
Fees for Services Accounting---$53,427
Conferences and Meetings---$38,475
Insurance---$37,119
Other Expenses---$21,627
All Other Expenses---$20,949
Travel---$12,093
Fees for Services Legal---$6,840
Total Functional Expenses$0$0$0$6,442,869
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$2,320,613$1,985,216▼ $335,397
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 Share Deposits$153,100,902
Deferred Compensation$311,505
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The members are the owners. Members elect all members of the governing body.”

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

“The members are the owners. Members elect all members of the governing body.”

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

“Some decisions of the governing body are subject to approval of the membership i.e. mergers and charter changes.”

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

“A copy of the return is provided to the board of directors at its monthly meeting prior to filing.”

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

“Employees and volunteers are trained annually on conflict of interest policy. Employees are instructed to disclose any possible conflicts and, at the branch level, supervisors monitor any conflicts that may arise among employees and members.”

Form 990, Part VI, Section B, Line 15

“Line 15a: The initial review for the CEO is completed by the personnel committee of the board of directors. Once completed, it is presented to the entire board with a recommendation for any salary change or bonus. Line 15b: Compensation is reviewed and approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The by-laws are filed with the state of California and are accessible to the public. The conflict of interest policy is available to the public via link on the Members 1st Credit Union website: www.membersonline.org.”

Filing and Contact Details

Filer

Filer Name
Members 1st Credit Union
EIN
94-0362026
Phone
5302226060
Address
4710 Mountain Lakes Blvd, Redding, CA 96003

Signing Officer

Name
Teri Vanderpol
Title
President/CEO
Phone
5302226060
Signed
2017-05-02

Organization Details

Principal Officer
Teri Vanderpol
Formed
1936
Legal Domicile
CA
Voting Board Members
11
Independent Board Members
10
Employees
69
Volunteers
18
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The credit union completed a merger with S.T.A.R. Community Credit Union on January 1, 2016.”

Raw XML AppendixShowing 400 of 580 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/Form990PartVIISectionAGrp/PersonNm1Jim Bogue
IRS990/Form990PartVIISectionAGrp/PersonNm2Jim Breslin
IRS990/Form990PartVIISectionAGrp/PersonNm3Chris Cummings
IRS990/Form990PartVIISectionAGrp/PersonNm4Ricki Miller
IRS990/Form990PartVIISectionAGrp/PersonNm5Kirt Monfort
IRS990/Form990PartVIISectionAGrp/PersonNm6Ed Neiderberger
IRS990/Form990PartVIISectionAGrp/PersonNm7Sharon O'Quin
IRS990/Form990PartVIISectionAGrp/PersonNm8Ken Reed
IRS990/Form990PartVIISectionAGrp/PersonNm9Kyle Westphal
IRS990/Form990PartVIISectionAGrp/PersonNm10Teri Vanderpol
IRS990/Form990PartVIISectionAGrp/PersonNm11Mark Moore
IRS990/Form990PartVIISectionAGrp/PersonNm12Lloyd Binning
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt21st Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt62nd Vice Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Secretary/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11Former CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt12Director
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01936
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt01000
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
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IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt01000
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt06871629
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt0110184
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
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IRS990/IndependentVotingMemberCnt010
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IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0147982
IRS990/InsuranceGrp/TotalAmt037119
IRS990/InterestGrp/TotalAmt0141016
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0636063
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt014666221
IRS990/InvestmentsProgramRelatedGrp/EOYAmt029066697
IRS990/IRPDocumentCnt028
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04668219
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03798951
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04742259
IRS990/LandBldgEquipCostOrOtherBssAmt09410478
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt07808
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt01279
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt021587
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt020308
IRS990/MissionDesc0Members 1st provides the convenient and relevant financial services that members need to achieve their goals and dreams.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt013216933
IRS990/NetAssetsOrFundBalancesEOYAmt017785352
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01000
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01000
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0102376
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0102376
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-115924
IRS990/NetUnrlzdGainsLossesInvstAmt052785
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0283687
IRS990/OfficeExpensesGrp/TotalAmt0711317
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01245208
IRS990/OtherAssetsTotalGrp/EOYAmt01788485
IRS990/OtherChangesInNetAssetsAmt04094682
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0186177
IRS990/OtherExpensesGrp/Desc0Lending Fees
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2League Dues
IRS990/OtherExpensesGrp/TotalAmt0956533
IRS990/OtherExpensesGrp/TotalAmt1350692
IRS990/OtherExpensesGrp/TotalAmt221627
IRS990/OtherLiabilitiesGrp/BOYAmt0105969434
IRS990/OtherLiabilitiesGrp/EOYAmt0153412407
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0Rebate & Reimbursement
IRS990/OtherRevenueMiscGrp/Desc1Nonmember Fee Income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0956
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt090507
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt18254
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt089551
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt18254
IRS990/OtherRevenueTotalAmt0120348
IRS990/OtherSalariesAndWagesGrp/TotalAmt02253253
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085030261
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0120828517
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0268009
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0103959
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0259128
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0301000
IRS990/PrincipalOfficerNm0Teri Vanderpol
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Visa Interchange and Fee Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04289489
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1584060
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21113748
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04289489
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1600797
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21113748
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt116737
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgSrvcAccomActy2Grp/Desc0Lending 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/ProgSrvcAccomActy3Grp/Desc0Deposit services: Extending competitive savings rates to our members enables the credit union to grow, reward savers, have accessible funds to lend to borrowers, and fulfill our cooperative principles mission. Multiple individual retirement accounts are offered to serve the needs of the membership in the future.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0367961
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt02562049
IRS990/PYOtherRevenueAmt01778663
IRS990/PYProgramServiceRevenueAmt03349101
IRS990/PYRevenuesLessExpensesAmt0373953
IRS990/PYSalariesCompEmpBnftPaidAmt02559723
IRS990/PYTotalExpensesAmt05121772
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05495725
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02320613
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01985216
IRS990/ReconcilationRevenueExpnssAmt0420952
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0102376
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013216933
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017785352
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05164720
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02736284
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02959182
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02008518
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04967700
IRS990ScheduleD/EquipmentGrp/BookValueAmt0609640
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02500922
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03110562
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt09183000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt119419568
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2102565
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt361092
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4300472
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Portfolio of held-to-maturity investments in FDIC-insured certificates of deposit.
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Available-for-sale investments federal agency bonds, municipal bonds, and FDIC-insured certificates.

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$171,880,786
Liabilities
$154,095,434
Net assets
$17,785,352
Revenue
$6,863,821
Expenses
$6,442,869
Net income
$420,952
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