Nonprofit · EIN 37-0811658
MEMBERS FIRST COMMUNITY CREDIT UNION
Tax-exempt · QUINCY, IL 62305
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $8,185,719 | $6,009,943 | $2,175,776 | $104,711,287 | $77,311,488 | $27,399,799 |
| December 31, 2024 | 990 | $7,946,848 | $6,116,029 | $1,830,819 | $95,463,183 | $70,239,160 | $25,224,023 |
| December 31, 2023 | 990 | $7,137,710 | $4,399,920 | $2,737,790 | $90,157,591 | $66,816,473 | $23,341,118 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $8,137,152
- Investment income
- $48,567
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $1,850,983
- Salaries, compensation and benefits (total)
- $2,288,365
- Professional fundraising fees
- $0
- Legal fees
- $12,356
- Accounting fees
- $26,000
- Occupancy
- $54,144
- Depreciation
- $107,715
- Program services (functional)
- $6,009,943
Balance sheet and other
- Total assets, start of year
- $95,463,183
- Total assets, end of year
- $104,711,287
- Total liabilities, end of year
- $77,311,488
- Net assets, end of year
- $27,399,799
- Land, buildings and equipment
- $8,931,175
- Gross receipts
- $8,185,719
- Employees
- 30
- Volunteers
- 6
- Year formed
- 1954
- State of legal domicile
- IL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| THERESA MCEWEN | PRESIDENT/TR Trustee or director, Officer | 40 | $322,853 |
| TIM BAUMGARTNER | SUPERVISORY Trustee or director | 1 | $0 |
| TRACIE DAWN EATON | MEMBER Trustee or director | 1 | $0 |
| ERIC GREEN | SUPERVISORY Trustee or director, Officer | 1 | $0 |
| MELISSA HAMILTON | SECRETARY Trustee or director, Officer | 1 | $0 |
| JONATHAN STRAUBE | CHAIRPERSON Trustee or director | 1 | $0 |
| KEVIN TURNBULL | VICE CHAIRPE Trustee or director, Officer | 1 | $0 |
990 for the year ended December 31, 2024: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| THERESA MCEWEN | PRESIDENT/TR Trustee or director, Officer | 40 | $279,254 |
| TRACIE DAWN EATON | MEMBER Trustee or director | 1 | $0 |
| ERIC GREEN | VICE CHAIRPE Trustee or director, Officer | 1 | $0 |
| MELISSA HAMILTON | SECRETARY Trustee or director, Officer | 1 | $0 |
| KOLEEN LORD | SUPERVISORY Trustee or director | 1 | $0 |
| JONATHAN STRAUBE | SUPERVISORY Trustee or director | 1 | $0 |
| KEVIN TURNBULL | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| THERESA MCEWEN | PRESIDENT/TR Trustee or director, Officer | 50 | $260,062 |
| TRACIE DAWN EATON | MEMBER Trustee or director | 1 | $0 |
| ERIC GREEN | VICE CHAIRPE Trustee or director, Officer | 1 | $0 |
| MELISSA HAMILTON | SECRETARY Trustee or director, Officer | 1 | $0 |
| KOLEEN LORD | MEMBER Trustee or director | 1 | $0 |
| JONATHAN STRAUBE | MEMBER Trustee or director | 1 | $0 |
| KEVIN TURNBULL | CHAIRPERSON Trustee or director, Officer | 1 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 3722, QUINCY, IL 62305-3722
- In care of
- % TERI MCEWEN
- Principal officer (990 for 2025)
- THERESA MCEWEN, 1201 N 24TH ST PO BOX 3722, QUINCY, IL 623053722
- Signed the 990
- THERESA MCEWEN, PRESIDENT/TREASURER
- Phone
- (217) 223-4377
- Website
- WWW.MEMBERSFIRSTCCU.COM
- Return prepared by
- ARNOLD BEHRENS NESBIT GRAY PC
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 accomplishments
- 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.Expenses $6,009,943 · revenue $8,137,152
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 37-0811658
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2001
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $104,711,287
- Income (IRS master file)
- $8,185,719
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $8,185,719 | $6,009,943 | $104,711,287 | IRS |
| 990 | December 2024 | $7,946,848 | $6,116,029 | $95,463,183 | IRS |
| 990 | December 2023 | $7,137,710 | $4,399,920 | $90,157,591 | XML |
| 990 | December 2022 | $6,220,531 | $4,133,941 | $84,844,760 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 37-0811658).
Questions about MEMBERS FIRST COMMUNITY CREDIT UNION
- What is the EIN of MEMBERS FIRST COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of MEMBERS FIRST COMMUNITY CREDIT UNION is 37-0811658.
- Is MEMBERS FIRST COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2001.
- Are donations to MEMBERS FIRST COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does MEMBERS FIRST COMMUNITY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of MEMBERS FIRST COMMUNITY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did MEMBERS FIRST COMMUNITY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of MEMBERS FIRST COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names THERESA MCEWEN.
- Who are the officers and directors of MEMBERS FIRST COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 7 people; 1 received compensation from the organization, the highest $322,853 (THERESA MCEWEN, PRESIDENT/TR).
- How much revenue does MEMBERS FIRST COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $8,185,719, expenses of $6,009,943 and total assets of $104,711,287 at year end.
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