Liabilities / Assets
98th percentile
Higher debt load relative to assets than 98% of similar nonprofits.
Musicians' Interguild Credit Union C/O Sag Aftra Federal Credit Union
990 • Fiscal year 2013 • EIN 95-2052566
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.94x
Liabilities / Revenue
92nd percentile
Higher debt load relative to revenue than 92% of similar nonprofits.
Net Margin
80th percentile
Higher net margin than 80% of similar nonprofits.
Top Officer Pay
69th percentile
Higher top officer pay than 69% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
14th percentile
Faster asset growth than 14% of similar nonprofits.
Revenue Growth
17th percentile
Faster revenue growth than 17% of similar nonprofits.
Balance Sheet
Assets
Down$75,871,786
Down $1,825,586 (-2.3%) from 2012
Net Assets
Up$4,853,410
Up $455,384 (+10%) from 2012
Liabilities
Down$71,018,376
Down $2,280,970 (-3.1%) from 2012
Revenue And Expenses
Revenue
$2,689,481
No earlier filing loaded for comparison.
Expenses
Down$2,234,097
Down $1,371,894 (-38%) from 2012
Net Income
$455,384
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Nov 14, 2014
- Return Version
- 2013v3.0
- Gross Receipts
- $2,689,481
Mission and Program Overview
Mission
Musicians' interguild credit union is a cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an oportunity for them to use and control their own money on a democractic basis in order to improve their economic and social conditions. As a cooperative, musicians' interguild credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members as patrons.
A cooperative, organized for the purpose of promoting thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $60,181,451 | $59,206,536 | ▼ $974,915 |
| Investments in Publicly Traded Securities | $11,366,464 | $11,868,380 | ▲ $501,916 |
| Rtn Earn Endowment Incm Other Fnds | $4,398,026 | $4,853,410 | ▲ $455,384 |
| Savings and Temporary Cash Investments | $5,552,417 | $4,202,347 | ▼ $1,350,070 |
| Cash and Non-Interest-Bearing Accounts | $67,674 | $67,981 | ▲ $307 |
| Prepaid Expenses and Deferred Charges | $75,225 | $47,518 | ▼ $27,707 |
| Land, Buildings, and Equipment, Net | $18,771 | $13,728 | ▼ $5,043 |
| Intangible Assets | $13,005 | $1,000 | ▼ $12,005 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $77,697,372 | $75,871,786 | ▼ $1,825,586 |
| Other Assets Total | $422,365 | $464,296 | ▲ $41,931 |
| Liabilities | |||
| Other Liabilities | $73,130,834 | $70,825,693 | ▼ $2,305,141 |
| Accounts Payable and Accrued Expenses | $168,512 | $192,683 | ▲ $24,171 |
| Total Liabilities | $73,299,346 | $71,018,376 | ▼ $2,280,970 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $4,398,026 | $4,853,410 | ▲ $455,384 |
| Total Liabilities and Net Assets / Fund Balance | $77,697,372 | $75,871,786 | ▼ $1,825,586 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Leasehold Improvements | $4,039 | $307,503 | $311,542 |
| Equipment | $9,689 | $203,962 | $213,651 |
| Investment Program Related Org | $412,832 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Marc Jacoby | CEO/treasurer | FT | $132,955 | $17,600 | $150,555 |
| Philip Morgan | CFO | FT | $89,825 | $12,600 | $102,425 |
| Randy Santos | COO | FT | $79,231 | $12,600 | $91,831 |
| Curt Ruther | CLO | FT | $80,228 | $10,800 | $91,028 |
Board Members and Trustees
| Name | Title |
|---|---|
| Stephan Zupkas | Chairman |
| Paul Sternhagen | Supv Cmte Chair |
| Lee Callet | Vice Chair |
| Amie Moore | Director |
| Phil Feather | Director |
| Sandy Martin | Director |
| Bill Lamond | Secretary |
| Larry Lippold | Supv Cmte Member |
| Mary Zuniga | Supv Cmte Member |
| Sergio Medina | Supv Cmte Member |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Jack Henry & Associates | Core Computer Services | - | $115,825 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $2,212,583
- Investment Income
- $381,373
- Other Revenue
- $95,525
- Change in Net Assets
- $455,384
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,416,709 |
| Salaries, Compensation, and Employee Benefits | $817,388 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $387,239 |
| Interest | - | - | - | $380,555 |
| Other Salaries and Wages | - | - | - | $247,016 |
| Fees for Services Other | - | - | - | $226,472 |
| Office Expenses | - | - | - | $203,375 |
| Information Technology | - | - | - | $127,825 |
| Other Employee Benefits | - | - | - | $103,323 |
| Occupancy | - | - | - | $64,858 |
| Insurance | - | - | - | $51,487 |
| Payroll Taxes | - | - | - | $51,097 |
| Fees for Services Legal | - | - | - | $39,573 |
| Fees for Services Accounting | - | - | - | $37,000 |
| Advertising | - | - | - | $32,910 |
| Pension Plan Contributions | - | - | - | $28,713 |
| Travel | - | - | - | $13,250 |
| Depreciation Depletion | - | - | - | $11,518 |
| Other Expenses | - | - | - | $9,411 |
| Total Functional Expenses | $0 | $0 | $0 | $2,234,097 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Shares & Deposits | $70,739,814 |
| Accrued Dividends & Interst Payable | $85,879 |
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
“Musicians' interguild credit union is a cooperative financial institution that is owned and controlled by its members, and operated for the purpose of promoting thrift and savings to its members. Musicians' interguild credit union does not have stockholders.”
Form 990, Part VI, Section A, Line 7A
“The governing body of musicians' interguild credit union is comprised of volunteer members who are directly elected by its members. Each member of the governing board serves for a period as prescribed by our by-laws.”
Form 990, Part VI, Section A, Line 7B
“At the end of each term of the board members, elections are held and board members are elected by the members of the credit union pursuant to its by-laws. Member votes are also required to ratify decisions dealing with reorganizations as in the case of merger or dissolution.”
Form 990, Part VI, Section A, Line 8B
“The governing body has not authorized any committee to act on its behalf.”
Form 990, Part VI, Section B, Line 11
“Each board member shall receive a completed draft of the form 990 for review prior to filing each year. The form 990 is also reviewed by the ceo and treasurer of musicians' interguild credit union, who recommend changes if necessary.”
Form 990, Part VI, Section B, Line 12C
“All officials and staff are required to sign a conflict of interest policy and are required to report any change in status.”
Form 990, Part VI, Section B, Line 15
“The board of directors annually reviews external analysis of comparable salary and benefits derived from a credit union industry source (such as cues) and thus determines the salary of the ceo and other managers.”
Form 990, Part VI, Section C, Line 19
“The credit union does not make any of its governing documents available to the general public except for the monthly financial statements that are posted in the main lobby. Regulators and other auditors are given access to relevant documents.”
Filing and Contact Details
Filer
- EIN
- 95-2052566
- Phone
- 3234626447
Signing Officer
- Name
- Marc Jacoby
- Title
- CEO
- Phone
- 3234626447
- Signed
- 2014-11-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Marc Jacoby
- Formed
- 1954
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 6
- Employees
- 10
- Volunteers
- 11
Preparer
- Preparer
- Valentino Creus CPA
- Phone
- 8189549700
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 11G
“Other professional fees 226,472.”
FORM 990, PART XII, LINE 2C:
“The organization has not changed either its oversight process or selection process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“Fasb asc 740-10-65, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed and presented in the financial statements. This requires the evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax positions are "more likely than not" of being sustained "when challenged" or "when examined" by the applicable tax authority. Tax positions deemed to not meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the year ended june 30, 2013, management has determined that there are no material uncertain tax positions. The credit union is generally not subject to examination by u.s. Federal authorities for tax years before 2011 and by state tax authorities before 2010. For the year ended june 30, 2014, the credit union has no uncertain tax positions and, accordingly, has not recorded a liability for the payment of interest or penalties.”
Raw XML AppendixShowing 400 of 456 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/ActivityOrMissionDesc | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
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| IRS990/Desc | 0 | THE CREDIT UNION HAS MAINTAINED AND EXPANDED ITS SHARE DRAFT (CHECKING) PROGRAM TO OFFER REWARDS BENEFITS FOR USE OF THE RELATED DEBIT CARD. THIS PROMOTES THRIFTY USE OF THE ACCOUNT BY OUR MEMBERS. |
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| IRS990/EmployeeCnt | 0 | 10 |
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| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 226472 |
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| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CLO |
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| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1954 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
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| IRS990/GrantToRelatedPersonInd | 0 | 0 |
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| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 127825 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 51487 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 13005 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 1000 |
| IRS990/InterestGrp/TotalAmt | 0 | 380555 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 381373 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 381373 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 60181451 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 59206536 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 11366464 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 11868380 |
| IRS990/IRPDocumentCnt | 0 | 1196 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 511465 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 18771 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 13728 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 525193 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 0 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | MUSICIANS' INTERGUILD CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRACTIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, MUSICIANS' INTERGUILD CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFIT, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4398026 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4853410 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 1804 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 64858 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 203375 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 422365 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 464296 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 103323 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | MISCELLANEOUS OPERATING |
| IRS990/OtherExpensesGrp/Desc | 2 | OPERATING FEES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 193350 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 25125 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 9411 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 73130834 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 70825693 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | PROVISION FOR LOAN AND |
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| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 95525 |
| IRS990/OtherRevenueTotalAmt | 0 | 95525 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 247016 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 51097 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 28713 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 75225 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 47518 |
| IRS990/PrincipalOfficerNm | 0 | MARC JACOBY |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1905742 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 233280 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 60765 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1905742 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 233280 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 73561 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 12796 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION HAS CONTINUED TO OFFER COMPETITIVE SAVINGS RATES ON MONEY MARKET AND SHARE CERTIFICATE ACCOUNTS, THUS MOTIVATING OUR MEMBERS TO SAVE MONEY. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | THE CREDIT UNION CONTINUES TO OFFER LOAN PRODUCTS UNIQUE TO OUR MEMBERSHIP, INCLUDING RESIDUAL SECURED LOANS AS WELL AS MUSICAL INSTRUMENT AND EQUIPMENT LOANS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 369910 |
| IRS990/PYOtherExpensesAmt | 0 | 2685289 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 2500868 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -735213 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 920702 |
| IRS990/PYTotalExpensesAmt | 0 | 3605991 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2870778 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 455384 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 4398026 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4853410 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5552417 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4202347 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 9689 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 203962 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 213651 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 22267000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 3094000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 32755377 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 677327 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 412832 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | DEPOSITS IN COMMERCIAL BANKS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | INVESTMENTS IN NATURAL PERSON CREDIT UNIONS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | LOAN & LEASES |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 4 | PAID IN CAPITAL AT CORP CU'S |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | C |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 4039 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 307503 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 311542 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 85879 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 70739814 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | ACCRUED DIVIDENDS & INTERST PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MEMBER SHARES & DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED JUNE 30, 2013, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION IS GENERALLY NOT SUBJECT TO EXAMINATION BY U.S. FEDERAL AUTHORITIES FOR TAX YEARS BEFORE 2011 AND BY STATE TAX AUTHORITIES BEFORE 2010. FOR THE YEAR ENDED JUNE 30, 2014, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS AND, ACCORDINGLY, HAS NOT RECORDED A LIABILITY FOR THE PAYMENT OF INTEREST OR PENALTIES. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 13728 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 59206536 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 70825693 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 132955 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 12600 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 5000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MARC JACOBY |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/TREASURER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 150555 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | MUSICIANS' INTERGUILD CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. MUSICIANS' INTERGUILD CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE GOVERNING BODY OF MUSICIANS' INTERGUILD CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE ELECTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE GOVERNING BODY HAS NOT AUTHORIZED ANY COMMITTEE TO ACT ON ITS BEHALF. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. THE FORM 990 IS ALSO REVIEWED BY THE CEO AND TREASURER OF MUSICIANS' INTERGUILD CREDIT UNION, WHO RECOMMEND CHANGES IF NECESSARY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ALL OFFICIALS AND STAFF ARE REQUIRED TO SIGN A CONFLICT OF INTEREST POLICY AND ARE REQUIRED TO REPORT ANY CHANGE IN STATUS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS ANNUALLY REVIEWS EXTERNAL ANALYSIS OF COMPARABLE SALARY AND BENEFITS DERIVED FROM A CREDIT UNION INDUSTRY SOURCE (SUCH AS CUES) AND THUS DETERMINES THE SALARY OF THE CEO AND OTHER MANAGERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE CREDIT UNION DOES NOT MAKE ANY OF ITS GOVERNING DOCUMENTS AVAILABLE TO THE GENERAL PUBLIC EXCEPT FOR THE MONTHLY FINANCIAL STATEMENTS THAT ARE POSTED IN THE MAIN LOBBY. REGULATORS AND OTHER AUDITORS ARE GIVEN ACCESS TO RELEVANT DOCUMENTS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | OTHER PROFESSIONAL FEES 226,472. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 8B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART IX, LINE 11G |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | CA |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 77697372 |
| IRS990/TotalAssetsEOYAmt | 0 | 75871786 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 77697372 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 75871786 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 10 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2234097 |
| IRS990/TotalGrossUBIAmt | 0 | 12796 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $75,871,786
- Liabilities
- $71,018,376
- Net assets
- $4,853,410
- Revenue
- $2,689,481
- Expenses
- $2,234,097
- Net income
- $455,384