635 Members Choice Credit Union Inc
| Fiscal year | Revenue | Expenses | Net | Reserve mo. | Staff % |
|---|---|---|---|---|---|
| 2021 | 876,894 | 617,895 | 258,999 | 102.2 | 37% |
| 2022 | 893,333 | 650,640 | 242,693 | 101.5 | 36% |
| 2023 | 1,180,437 | 813,213 | 367,224 | 86.3 | 32% |
In its most recent public year (2023), this organization brought in $367,224 more than it spent. Its reserves stood at about 86.3 months of spending, down from 102.2 in 2021. Staff pay was 32% of spending.
Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings
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