Civic Intelligence

Merced Municipal Employees Credit Union

EIN 94-1339061 • 501(c)14 • Merced, CA

Profile

Merced Municipal Employees Credit Union is a non-profit financial institution established to provide financial services for their members including savings and loans.

1021 Olivewood DriveMerced, CA 95340
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2018

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2018

Net Margin

67th percentile

-27%

Higher net margin than 67% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2018

Top Officer Pay

29th percentile

$0

Higher top officer pay than 29% of similar nonprofits.

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

501(c)14 • <$500k nonprofits • Source year 2018

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

79th percentile

-14%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $1,926,825 (-100%) from 2017

Liabilities

Down

$0

Down $1,733,947 (-100%) from 2017

Net Assets

Down

$0

Down $192,878 (-100%) from 2017

Operations
Liabilities / Revenue96th percentileNet Margin67th percentile

Revenue

Down

$89,542

Down $14,477 (-14%) from 2017

Expenses

Up

$113,932

Up $2,705 (+2.4%) from 2017

Net Income

Down

-$24,390

Down $17,182 (-238%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0M$2.0M$1.0M$0Assets 2010: $2,293,732Liabilities 2010: $2,071,088Net Assets 2010: $222,6442010Assets 2011: $2,085,902Liabilities 2011: $1,860,295Net Assets 2011: $225,6072011Assets 2012: $2,036,058Liabilities 2012: $1,809,129Net Assets 2012: $226,9292012Assets 2013: $1,999,313Liabilities 2013: $1,772,384Net Assets 2013: $226,9292013Assets 2014: $1,977,003Liabilities 2014: $1,757,645Net Assets 2014: $219,3582014Assets 2015: $2,001,562Liabilities 2015: $1,781,704Net Assets 2015: $219,8582015Assets 2016: $1,928,691Liabilities 2016: $1,728,605Net Assets 2016: $200,0862016Assets 2017: $1,926,825Liabilities 2017: $1,733,947Net Assets 2017: $192,8782017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2018

Assets$0
Liabilities$0
Net Assets$0
Open 2018 Filing

Operations Trend

Revenue Growth79th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$150K$100K$50K$0-$50KExpenses 2010: $105,7902010Expenses 2011: $101,5792011Expenses 2012: $104,5722012Revenue 2013: $102,801Expenses 2013: $102,801Net Income 2013: $02013Revenue 2014: $93,155Expenses 2014: $100,726Net Income 2014: -$7,5712014Revenue 2015: $93,285Expenses 2015: $92,785Net Income 2015: $5002015Revenue 2016: $90,578Expenses 2016: $110,350Net Income 2016: -$19,7722016Revenue 2017: $104,019Expenses 2017: $111,227Net Income 2017: -$7,2082017Revenue 2018: $89,542Expenses 2018: $113,932Net Income 2018: -$24,3902018

Highlighted filing

2018

Revenue$89,542
Expenses$113,932
Net Income-$24,390
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$89,542
Expenses
$113,932
Net income
-$24,390
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.09$0.11$0.02
2017Detailed filing. Detailed filing data is available for this year.$1.93$1.73$0.19$0.10$0.11$0.01
2016Detailed filing. Detailed filing data is available for this year.$1.93$1.73$0.20$0.09$0.11$0.02
2015Detailed filing. Detailed filing data is available for this year.$2.00$1.78$0.22$0.09$0.09$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.98$1.76$0.22$0.09$0.10$0.01
2013Detailed filing. Detailed filing data is available for this year.$2.00$1.77$0.23$0.10$0.10$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.04$1.81$0.23$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.09$1.86$0.23$0.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.29$2.07$0.22$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 19, 2019
Return Version
2018v3.1
Gross Receipts
$89,542
Mission and Program Overview

Mission

Merced Municipal Employees Credit Union is a non-profit financial institution established to provide financial services for their members including savings and loans.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,407,458--
Savings and Temporary Cash Investments$348,434--
Rtn Earn Endowment Incm Other Fnds$192,878--
Cash and Non-Interest-Bearing Accounts$147,349--
Land, Buildings, and Equipment, Net$5,970--
Prepaid Expenses and Deferred Charges$467--
Total Assets$1,926,825$0▼ $1,926,825
Other Assets Total$17,147--
Liabilities
Other Liabilities$1,719,676--
Accounts Payable and Accrued Expenses$14,271--
Total Liabilities$1,733,947$0▼ $1,733,947
Net Assets / Fund Balance
Total Net Assets Fund Balance$192,878$0▼ $192,878
Total Liabilities and Net Assets / Fund Balance$1,926,825$0▼ $1,926,825
Compensation and Service Providers
Top Officer Pay29th percentile

Board Members and Trustees

NameTitle
D RichardsonDirector
J BugarinDirector
J CortrightDirector
J FisterDirector
J RiedemanDirector
J SvendsenDirector
R RiosDirector
L JameroAfa
C CarvajalManager
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$80,905
Investment Income
$3,194
Other Revenue
$5,443
Change in Net Assets
$-24,390
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$67,490
Other Expenses$46,442
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$56,855
Fees for Services Other---$12,313
Other Expenses---$9,740
Insurance---$7,464
Occupancy---$6,578
Other Employee Benefits---$5,778
Payroll Taxes---$4,857
Information Technology---$2,360
Depreciation Depletion---$2,149
All Other Expenses---$1,640
Office Expenses---$1,055
Travel---$94
Total Functional Expenses$0$0$0$113,932
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes-
Members shares-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 19

“All governing documents, financials statements and other legal filings are maintained and available for a physical inspection by tax authorities and the general public at 1201 Olivewood Drive Merced CA 95340”

Filing and Contact Details

Filer

Filer Name
Merced Municipal Employees Credit Union
EIN
94-1339061
Phone
2093835550
Address
1021 Olivewood Drive, Merced, CA 95340

Signing Officer

Name
C Carvajal
Title
Manager
Signed
2019-03-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cathy Carvajal
Formed
1951
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
2

Preparer

Firm
St Group Pc
Address
1860 Howe Ave Ste 260, Sacramento, CA 95825
Preparer
Andrew Topchiy CPA
Phone
9164246233
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Credit Union merged effective 12 31 2018”

Form 990, Part IX, Line 11G

“Other fees of 12,313 include examination fees and other professional fees”

Raw XML Appendix385 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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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt1Merced School Employees Federal Credit Union
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt2Merced School Employees Federal Credit Union
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IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt222645
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501c1
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt1501c1
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt2501c1
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0book value
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt1book value
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt2book value
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt01021 Olivewood Drive
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt11021 Olivewood Drive
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt21021 Olivewood Drive
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0Merced
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm1Merced
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm2Merced
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd1CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd2CA
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd095340
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd195340
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd295340
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0Cathy Carvajal will be transitioning with the receiving credit union as a Consumer Loan officer.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I Line 2b
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All governing documents, financials statements and other legal filings are maintained and available for a physical inspection by tax authorities and the general public at 1201 Olivewood Drive Merced CA 95340
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Credit Union merged effective 12 31 2018
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Other fees of 12,313 include examination fees and other professional fees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part IX, Line 11g
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt01926825
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt01926825
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/TotalAmt0113932
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt01733947
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt01733947
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0192878
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt080905
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt089542
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt089542
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt01926825
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt094
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01021 Olivewood Drive
IRS990/USAddress/CityNm0Merced
IRS990/USAddress/StateAbbreviationCd0CA
IRS990/USAddress/ZIPCd095340
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0C Carvajal
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Merced Municipal Employees Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0MERC
ReturnHeader/Filer/EIN0941339061
ReturnHeader/Filer/PhoneNum02093835550
ReturnHeader/Filer/USAddress/AddressLine1Txt01021 Olivewood Drive
ReturnHeader/Filer/USAddress/CityNm0Merced
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd095340
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId05D9BC095D7814852AE5D6A0A05B7907E1FF321AC
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId03C18797FE25D090B79B7E6948D82F537BDF9AD8D
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.116.95.220
ReturnHeader/FilingSecurityInformation/IPDt02019-03-19
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm016:20:57
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ST GROUP PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01860 Howe Ave Ste 260
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Sacramento
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd095825
ReturnHeader/PreparerPersonGrp/PhoneNum09164246233
ReturnHeader/PreparerPersonGrp/PreparationDt02019-03-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Andrew Topchiy CPA
ReturnHeader/ReturnTs02019-03-19T10:00:27-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

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