METRO MEDICAL CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: METRO MEDICAL CREDIT UNION (EIN 75-1249646)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-06-26
IRS object ID: 201921779349301152
Schema version: 2018v3.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-06-26T15:36:19-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	382492570	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	DOEREN MAYHEW	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 S W 129TH COURT STE 201	AddressLine1Txt
City	MIAMI	CityNm
State Abbreviation	FL	StateAbbreviationCd
ZIP	331864582	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	751249646	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	METRO MEDICAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	METR	BusinessNameControlTxt
Phone	2146300611	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8828 STEMMONS NO 113	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	752473720	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MICHAEL CRAIG WHITE	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	2146300611	PhoneNum
Signature	2019-06-24	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS J ORTH	PreparerPersonNm
PTIN	P01076394	PTIN
Phone	3052328272	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	104.11.88.150	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2019-06-24	IPDt
IP Tm	11:27:26	IPTm
IP Timezone	ED	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	DA39A3EE5E6B4B0D3255BFEF95601890AFD80709	AtSubmissionCreationDeviceId
At Submission Filing Device Id	A7DB26C3BB201601930FCFA0C4651552B54C26A2	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	MICHAEL CRAIG WHITE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8828 STEMMONS SUITE 113	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	752473720	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$2,914,686	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.MMCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1965	FormationYr
Legal Domicile State	TX	LegalDomicileStateCd
Activity Or Mission	METRO MEDICAL CREDIT UNION IS A FINANCIAL COOPERATIVE FORMED TO PROVIDE FINANCIAL SERVICES FOR INDIVIDUALS OF MODEST MEANS.	ActivityOrMissionDesc
Voting Members Governing Body	8	VotingMembersGoverningBodyCnt
Voting Members Independent	8	VotingMembersIndependentCnt
Total Employee	19	TotalEmployeeCnt
Total Volunteers	9	TotalVolunteersCnt
Total Gross UBI	$40,921	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$1,921,900	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,159,146	CYProgramServiceRevenueAmt
PY Investment Income	$713,043	PYInvestmentIncomeAmt
CY Investment Income	$755,540	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$2,634,943	PYTotalRevenueAmt
CY Total Revenue	$2,914,686	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$959,865	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,064,649	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,287,599	PYOtherExpensesAmt
CY Other Expenses	$1,330,464	CYOtherExpensesAmt
PY Total Expenses	$2,247,464	PYTotalExpensesAmt
CY Total Expenses	$2,395,113	CYTotalExpensesAmt
PY Revenues Less Expenses	$387,479	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$519,573	CYRevenuesLessExpensesAmt
Total Assets BOY	$73,207,181	TotalAssetsBOYAmt
Total Assets EOY	$71,247,330	TotalAssetsEOYAmt
Total Liabilities BOY	$64,303,539	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$61,824,115	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$8,903,642	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$9,423,215	NetAssetsOrFundBalancesEOYAmt
Mission	COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	SHARE ACCOUNTS: METRO MEDICAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 7,127 MEMBERS AND 11,371 MEMBER ACCOUNTS AS OF DECEMBER 31, 2018. MEMBER SHARE ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE, AND ATMS. CHRISTMAS CLUB SAVINGS ACCOUNTS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS FOR END OF YEAR EXPENSES.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	CHECKING ACCOUNTS: METRO MEDICAL CREDIT UNION PROVIDES CHECKING ACCOUNTS WITH NO MONTHLY CHARGE TO CONSUMERS. MMCU HAS 3,395 CHECKING ACCOUNTS. DIVIDENDS ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION OFFERS FREE DEBIT CARDS AND FREE HOME BAKING ON THESE ACCOUNTS. INTERNET BILL PAY IS AVAILABLE FOR A NOMINAL MONTHLY CHARGE. APPROXIMATELY FORTY-SEVEN PERCENT OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	CONSUMER LOANS: METRO MEDICAL CREDIT UNION PROVIDES SIGNATURE LOANS, PROPERTY IMPROVEMENT LOANS AND FIXED HOME EQUITY LOANS. ALSO, SHARE SECURED LOANS ARE AVAILABLE AT A REDUCED RATE.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	1402	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	19	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	8	GoverningBodyVotingMembersCnt
Independent Voting Member	8	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	0	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	CRAIG WHITE	PersonNm
Phone	2146300611	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8828 STEMMONS SUITE 113	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	752477320	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
JOE G MAYER
BOD - CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
DAVID KNOWLES
BOD - MEMBER/DIRECTOR	1.00	Yes (X)	$0	$0	$0
RHONDA K ARRINGTON
BOD - DIRECTOR	1.00	Yes (X)	$0	$0	$0
AMBER S NICHOLSON
BOD - SECRETARY/TREASURER	1.00	Yes (X)	$0	$0	$0
JESSICA HERNANDEZ
BOD - VICE CHAIR	1.00	Yes (X)	$0	$0	$0
DOUG WATTS
BOD - DIRECTOR	1.00	Yes (X)	$0	$0	$0
GAIL SEAMEN
BOD - DIRECTOR	1.00	Yes (X)	$0	$0	$0
ERIC MCDANIEL
BOD - DIRECTOR	1.00	Yes (X)	$0	$0	$0
MICHAEL CRAIG WHITE
PRESIDENT/CEO	65.00		$144,108	$0	$18,087	Yes (X)
SHERMAN ROBERSON
VICE PRESIDENT	40.00		$78,552	$0	$14,406	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$222,660	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$32,493	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FISERV	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2601 NETWORK BLVD SUITE 600	AddressLine1Txt
City	FRISCO	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75034	ZIPCd

Field	Value	IRS element (for citing)
Services	DATA PROCESSING	ServicesDesc
Compensation	$498,458	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$1,076,439	$1,076,439
FEES AND CHARGES	522100	$1,041,786	$1,041,786
ATM FEES	561000	$30,771		$30,771
EXTENDED WARRENTY INCO	524298	$10,150		$10,150

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,159,146	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$755,540	TotalRevenueColumnAmt
Related Or Exempt Func Income	$755,540	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$2,914,686	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,873,765	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$40,921	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$255,153	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$556,869	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$37,813	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$154,630	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$60,184	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$4,258	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$505,258	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$11,002	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$28,678	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$164,307	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$125,528	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$2,749	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$150,588	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$18,488	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$29,133	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
LOAN SERVICING EXPENSE	$130,411
PROVISION FOR LOAN LOSS	$77,359
MISCELLANEOUS	$66,006
ASSOCIATION DUES	$16,699

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,395,113	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$1,112,805	BOYAmt
EOY	$1,042,675	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$18,416,797	BOYAmt
EOY	$13,485,587	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$6,611	BOYAmt
EOY	$4,539	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$20,483,998	BOYAmt
EOY	$28,202,601	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$12,622	BOYAmt
EOY	$66,785	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$501,519	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$472,175	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$47,832	BOYAmt
EOY	$29,344	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$1,000,000	BOYAmt
EOY	$1,000,000	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$31,237,992	BOYAmt
EOY	$26,588,051	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$888,524	BOYAmt
EOY	$827,748	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$73,207,181	BOYAmt
EOY	$71,247,330	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$512,650	BOYAmt
EOY	$546,325	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$63,790,889	BOYAmt
EOY	$61,277,790	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$64,303,539	BOYAmt
EOY	$61,824,115	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$8,903,642	BOYAmt
EOY	$9,423,215	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$8,903,642	BOYAmt
EOY	$9,423,215	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$73,207,181	BOYAmt
EOY	$71,247,330	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$519,573	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$501,519	OtherCostOrOtherBasisAmt
Depreciation	$472,175	DepreciationAmt
Book Value	$29,344	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$29,344	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
CERTIFICATES OF DEPOSIT	$26,454,784	C
PERPETUAL CONTRIBUTED CAPITAL	$133,267	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$26,588,051	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (8 entries)

DescDesc	AmtAmt
MEMBER DEPOSITS - SHARES	$36,584,264
MEMBER DEPOSITS - SHARE DRAFTS	$14,062,013
MEMBER DEPOSITS - MONEY MARKET	$4,078,251
MEMBER DEPOSITS - IRA SHARES	$1,094,549
MEMBER DEPOSITS - IRA CD'S	$1,541,630
MEMBER DEPOSITS - CHRISTMAS CLUB	$209,830
COURTESY PAY OVERDRAFT	$52,781
MEMBER DEPOSITS - CERTIFICATES	$3,654,472

Field	Value	IRS element (for citing)
Total Liability	$61,277,790	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	MICHAEL CRAIG WHITE	PersonNm
Title	PRESIDENT/CEO	TitleTxt
Base Compensation Filing Org	$144,108	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$7,876	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$10,211	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$162,195	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION HAS MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
FORM 990, PART VI, SECTION A, LINE 7B	MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
FORM 990, PART VI, SECTION B, LINE 11B	METRO MEDICAL CREDIT UNION MANAGEMENT MAKES THE FORM AVAILABLE TO THE CREDIT UNION'S BOARD OF DIRECTORS TO REVIEW BEFORE FILING THE FORM.
FORM 990, PART VI, SECTION B, LINE 15	THE BOARD OF DIRECTORS BUDGET COMMITTEE REVIEWS THE ANNUAL TEXAS CREDIT UNION LEAGUE SALARY SURVEY AND OTHER LEADING INDUSTRY SURVEYS AND DETERMINES THE COMPENSATION FOR THE CEO AND OTHER TOP MANAGEMENT OF THE CREDIT UNION. THE BUDGET COMMITTEE THEN REPORTS ITS RECOMMENDATIONS TO THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS VOTES ON THE RECOMMENDATIONS.
FORM 990, PART VI, SECTION C, LINE 19	METRO MEDICAL CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC ON THE CREDIT UNION'S WEBSITE AND ALSO IN-PERSON UPON REQUEST.