MEMBERS FIRST COMMUNITY CREDIT UNION

EIN: 370811658 Public & Societal Benefit

QUINCY, IL

Total Revenue
$8,185,719
Total Expenses
$6,009,943
Total Assets
$104,711,287
Net Assets
$27,399,799
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1954
Legal Domicile
IL
Principal Officer
THERESA MCEWEN
Phone
2172234377
Tax Period
2025-01-01 to 2025-12-31

MEMBERS FIRST COMMUNITY CREDIT UNION, founded in 1954, is a community nonprofit in the Public & Societal Benefit sector that reported $8.2M in total revenue in fiscal year 2025. The organization ran a surplus of $2.2M, a strong 27% operating margin.

Mission

MFCCU IS A NON-PROFIT MEMBER-OWNED FINANCIAL COOPERATIVE COMMITTED TO THE "PEOPLE HELPING PEOPLE" PHILOSOPHY AND DEDICATED TO PROVIDING STABLE, COMPREHENSIVE, AND COMPETITIVE FINANCIAL SERVICES TO MEET MEMBER NEEDS.

Program Service Accomplishments

Program 1
Expenses: $6,009,943 Revenue: $8,137,152

PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 7,404 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECMEBER 31, 2025, THERE WERE 6,554 LOANS...

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PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 7,404 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECMEBER 31, 2025, THERE WERE 6,554 LOANS OUTSTANDING TOTALING 77,309,160. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING 1,452,149 FOR THE YEAR.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $8,137,152
Investment Income $48,567
Other Revenue $0
TOTAL REVENUE $8,185,719

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,288,365
Fundraising Expenses $0
Program Expenses $6,009,943
Other Expenses $3,721,578
TOTAL EXPENSES $6,009,943

Year-over-Year Comparison

2025 2024 Change
Revenue $8,185,719 $7,946,848 +0.0%
Expenses $6,009,943 $6,116,029 0.0%
Net Income $2,175,776 $1,830,819 +0.2%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
7
Independent Members
6
Employees
30
Volunteers
6

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
4
$322,853
Total Directors
7
$322,853
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
THERESA MCEWEN PRESIDENT/TR 40.00
Officer Director
$322,853 $0 $322,853
TIM BAUMGARTNER SUPERVISORY 1.00
Director
$0 $0 $0
TRACIE DAWN EATON MEMBER 1.00
Director
$0 $0 $0
ERIC GREEN SUPERVISORY 1.00
Officer Director
$0 $0 $0
MELISSA HAMILTON SECRETARY 1.00
Officer Director
$0 $0 $0
JONATHAN STRAUBE CHAIRPERSON 1.00
Director
$0 $0 $0
KEVIN TURNBULL VICE CHAIRPE 1.00
Officer Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2025 $8,185,719 $6,009,943 $104,711,287 $2,175,776
2024 $7,946,848 $6,116,029 $95,463,183 $1,830,819
2023 $7,137,710 $4,399,920 $90,157,591 $2,737,790
2022 $6,220,531 $4,133,941 $84,844,760 $2,086,590
2021 $5,680,983 $3,609,728 $81,377,208 $2,071,255
2020 $5,637,531 $3,738,871 $73,874,853 $1,898,660
2019 $6,344,824 $3,943,910 $66,081,652 $2,400,914
2018 $4,904,509 $3,468,812 $61,862,171 $1,435,697
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