2018-05-31T11:36:59-04:00 2017-12-31 232108173 RKL LLP 91 CUMBERLAND PARKWAY MECHANICSBURG PA 170555676 990 2017-01-01 240823199 MEMBERS CHOICE FINANCIAL CREDIT UNION MEMB 5702756155 230 WALNUT STREET DANVILLE PA 17821 JAMES M BARBARICH CEO 5702756155 2018-05-31 true CHRISTIAN P PASQUALI CPA P00970025 7177909333 2018-05-31 72.95.21.178 2018-05-31 10:36:59 CD P F30BD2F1A62B9E1679AEEA56B6A19A98CE6A622E F30BD2F1A62B9E1679AEEA56B6A19A98CE6A622E 2017 2018-06-14 16:35:46Z JAMES M BARBARICH 230 WALNUT STREET DANVILLE PA 17821 7962874 false X WWW.MCFCU.ORG X 1954 PA OUR CREDIT UNION IS A MEMBER OWNED NOT FOR PROFIT FINANCIAL COOPERATIVE WITH THE MISSION OF PROMOTING THRIFT AND PROVIDING ACCESS TO CREDIT. SPECIFICALLY WE HAVE UNDERSERVED DESIGNATIONS WITHIN OUR CHARTER TO EXTEND OUR SERVICES TO THE UNDERBANKED. 7 7 66 7 9141 0 5480534 6007482 315032 327370 140789 140368 5936355 6475220 0 0 2352669 2339163 0 0 3454712 3635003 5807381 5974166 128974 501054 142126555 145803137 130616305 133786930 11510250 12016207 X SEE SCHEDULE O false false TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MORE THAN 12,000 MEMBERS. TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS. false false false false false false false false false true false false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false true 5033 0 true 66 true true true false false false false false X 7 7 false false false false true true true true true false false false true true true true true true true false X JEAN D MILLER 5702756155 230 WALNUT STREET DANVILLE PA 17821 JAMES M BARBARICH CEO 40.00 X 183500 0 26046 JEAN D MILLER CFO 40.00 X 78167 0 25607 MARY FASANO BOARD CHAIRP 1.00 X 0 0 0 MATTHEW HOEGER BOARD VICE-C 1.00 X 0 0 0 DALE MOYER BOARD TREASU 1.00 X 0 0 0 CHRISTINE HARIRIAN BOARD SECRET 1.00 X 0 0 0 LINDSEY MAROLF BOARD MEMBER 1.00 X 0 0 0 JOHN PACKER SR BOARD MEMBER 1.00 X 0 0 0 RICHARD KNOUSE BOARD MEMBER 1.00 X 0 0 0 261667 51653 1 false true false GEISINGER HEALTH PLAN 100 NORTH ACADEMY AVE DANVILLE PA 17822 HEALTHCARE 286618 JACK HENRY & ASSOCIATES INC 663 W HWY 60 PO BOX 807 MONETT MO 65708 IT SERVICES 244038 2 LOAN INTEREST INCOME 522291 4831633 4831633 FEES AND CHARGES 522100 1074591 1074591 ELECTRONIC CARD SERVICES 522100 92117 92117 NON-MEMBER ATM SURCHARGE 522298 9141 9141 6007482 340323 340323 14421 14421 100000 100000 100000 100000 1474701 1487654 -12953 -12953 -12953 MISC INCOME 522298 25947 25947 25947 6475220 6124288 9141 341791 311320 1448632 137041 290474 151696 16896 39366 32728 154864 736292 291874 184021 25397 8221 939170 292475 35512 LOAN SERVICING 404933 PROVISION FOR LOAN LOSSES 337488 MISC EXPENSES 124788 ATM OPERATIONS EXPENSE 5599 5379 5974166 0 0 0 1269154 1488318 9658228 7307126 342518 370699 110335073 110659857 213148 195708 6305896 2574473 3757390 3731423 13277965 18752519 46400 47000 3226679 3250487 142126555 145803137 1455859 1542399 129160446 132244531 130616305 133786930 X 11510250 12016207 11510250 12016207 142126555 145803137 501054 4903 X false true X true false 742986 742986 2936244 874095 2062149 528793 191429 337364 1794759 1376608 418151 303114 132341 170773 3731423 REGULAR SHARES 46056395 CERTIFICATES 42238911 SHARE DRAFTS 21770589 MONEY MARKET SHARES 17847985 IRA 2879601 HEALTH SAVINGS ACCOUNTS 1093425 CLUB SHARES 357625 132244531 6480123 4903 4903 6475220 6475220 5974166 5974166 5974166 X X false true false JAMES M BARBARICH CEO 166621 16879 5193 20853 209546 SCHEDULE J, PAGE 1, PART I, LINE 4 JAMES M BARBARICH 0 16,000 0 FORM 990, PAGE 2, PART III, LINE 4D TO PROVIDE LOW INTEREST LOANS AND FINANCIAL PRODUCTS TO MEMBERS. FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS OWNED BY ITS 12,909 MEMBERS. MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, OR WORSHIPS IN BLOOMSBURG, BERWICK, MOUNT CARMEL, OR MAHONING TOWNSHIP IN DANVILLE, PA. FORM 990, PAGE 6, PART VI, LINE 7A THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS EACH OF WHOM HAS A SINGLE VOTE IN THE ELECTION OF MEMBERS TO THE CREDIT UNION'S BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 7B THE CREDIT UNION'S MEMBERS MUST APPROVE: -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS. -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION. FORM 990, PAGE 6, PART VI, LINE 11B THE CREDIT UNION MANAGEMENT TEAM REVIEWS THE RETURN PRIOR TO SUBMISSION. FORM 990, PAGE 6, PART VI, LINE 12C THE CREDIT UNION ANNUALLY REVIEWS CONFLICT OF INTEREST DISCLOSURE TO ENSURE COMPLIANCE WITH THE POLICY. FORM 990, PAGE 6, PART VI, LINE 15A THE CEO, EXECUTIVE DIRECTOR, AND TOP MANAGEMENT OFFICIAL RECEIVE PERFORMANCE REVIEWS AND ACHIEVEMENTS ARE DOCUMENTED. COMPENSATION IS DETERMINED BY MARKET RATE ANALYSIS FOR MARKET LEVELS, PERFORMANCE, TENURE, RESPONSIBILITIES AND EDUCATION ARE ALL FACTORED INTO SALARY OF EACH POSITION. APPROVED BY THE COMPENSATION COMMITTEE OF THE BOARD AND THEN THE FULL BOARD. FORM 990, PAGE 6, PART VI, LINE 15B AN ANNUAL PERFORMANCE REVIEW IS CONDUCTED. THIS IS PRESENTED TO THE EMPLOYEE WHERE THEY ARE ENCOURANGED TO COMMENT. ALL JOBS ARE RATED AND GIVEN A GRADE. BASED ON THE GRADE WE ESTABLISH A MARKET RANGE. PERFORMANCE, TENURE IN JOB, EDUCATION REQUIREMENTS FOR THE JOB, AND ACCOMPLISHMENTS ARE FACTORED TOGETHER TO DETERMINE THE SALARY PAID. THESE NUMBERS ARE SUBJECT TO BUDGET APPROVAL. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBY AND CALL REPORTS CONTAINING FINANCIAL INFORMATION ARE POSTED ON NCUA.GOV. GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICIES ARE AVAILABLE UPON REQUEST.