2025-04-15T15:51:06-04:00 2024-12-31 611129886 KELLEY GALLOWAY SMITH GOOLSBY PSC 1200 CORPORATE COURT PO BOX 990 ASHLAND KY 411050990 990 2024-01-01 616029190 MEMBERS CHOICE CREDIT UNION MEMB 6063268000 PO BOX 1468 ASHLAND KY 411051468 TODD BUSH SENIOR VP - CFO 6063268000 2025-03-19 true true K ANTHONY WORKMAN CPA P01471942 6063291811 2025-03-11 2024 2025-03-06 01:10:19Z JASON SUMAN PO BOX 1468 ASHLAND KY 411051468 25593598 false X WWW.MCCU.NET X MEMBER OWNED 1932 KY TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS 7 7 112 0 0 18256022 21723010 2792499 3870588 0 21048521 25593598 0 0 6799125 6834670 0 0 16093335 18062036 22892460 24896706 -1843939 696892 403136466 408505134 374118631 375994686 29017835 32510448 TO PROVIDE FINANCIAL SERVICES TO CREDIT UNION MEMBERS false false 9864279 INTEREST PAID ON MEMBER DEPOSITS 9864279 false false false false false false false false false true true false false true false true false false false false false false false false false false false false true false true false true false false false false false false false false false false false 0 0 112 false false false false false false false false false X 7 7 false false false false false false false true true false false true true true true false true false false false TODD BUSH 6063268000 PO BOX 1468 ASHLAND KY 411051468 JASON SUMAN PRESIDENT AN 40.00 X 250334 0 0 TODD BUSH SENIOR VP - 40.00 X 110479 0 0 DON NEIKIRK DIRECTOR X 0 0 0 JOHN TOWNSEND DIRECTOR X 0 0 0 GARY DARNELL DIRECTOR X 0 0 0 KEN SMITH SECRETARY-TR X 0 0 0 DONNA Q HEWLETT DIRECTOR X 0 0 0 ROD HIENEMAN VICE CHAIRMA X 0 0 0 BRYAN SMITH DIRECTOR X 0 0 0 360813 2 false true false MORTGAGE INTEREST 522291 5826736 5826736 INTEREST - LOANS 522291 5826457 5826457 COURTESY PAY FEES 522100 1883661 1883661 INTEREST COMMERCIAL RE LOANS 522291 1610063 1610063 DEBIT CARD INCOME 522100 1432814 1432814 5143279 5143279 21723010 3870588 3870588 25593598 25593598 360813 360813 3946131 3946131 412414 412414 1768176 1768176 347136 347136 44991 44991 24487 24487 30803 30803 145346 145346 158494 158494 65857 65857 1021883 1021883 521934 521934 27053 27053 79201 79201 9940523 9864279 76244 329363 329363 135679 135679 PROVISION FOR LOAN LOSSES 2600444 2600444 DEBIT CARD EXPENSE 677541 677541 ATM/ ITM EXPENSE 565121 565121 SUBSCRIPTIONS 329074 329074 1364242 1364242 24896706 9864279 15032427 0 1329633 2066585 11036896 9397312 1256314 1438179 358645 298813 261336980 271523802 415238 694104 19783733 5527818 13739827 14255915 71228080 109710608 32006000 3952325 5596344 403136466 408505134 781608 448689 373337023 375545997 374118631 375994686 X 26987897 30480510 2029938 2029938 29017835 32510448 403136466 408505134 X 696892 2795721 X false true X true false 2112549 2112549 14360427 3327046 11033381 3310757 2200772 1109985 14255915 OTHER CD INVESTMENTS 32006000 C 32006000 SHARE CERTIFICATES 104724315 SHARES 90934305 SHARE CERTIFICATES >= 250,000 46448515 MONEY MARKET SHARES 35248946 SHARE DRAFT ACCOUNTS 30722398 IRA CERTIFICATES 24950098 IRA SHARES 15160586 BUSINESS SHARE CERTIFICATES 6673012 BUSINESS SHARE DRAFT ACCOUNTS 5607990 BORROWED MONEY 5000000 BUSINESS MONEY MARKET 3373419 VACATION SAVINGS SHARES 2921268 CHRISTMAS SAVINGS SHARES 2805180 BUSINESS SHARES 671930 HSA IRA SHARES 404680 SECONDARY SHARE 358034 ESCROW SHARES 335085 ATM CARD CLEARING 230271 BILL PAY SETTLEMENT 37294 SEP SHARES 5181 ROUNDING -2 ITM 2 CASH DEPOSIT CLEARING -2620 PAY BY PHONE SETTLEMENT -8484 ACH CLEARING -1055404 375545997 25593598 25593598 25593598 24896706 24896706 24896706 false false false JASON SUMAN PRESIDENT AND CEO 250334 250334 B SMITH DIRECTOR CONSUMER LOAN TO CREDIT UNION X 197113 158033 false true true DON NEIKIRK DIRECTOR CONSUMER LOAN TO CREDIT UNION X 38759 31879 false true true B SMITH DIRECTOR CONSUMER LOAN TO CREDIT UNION X 35549 30649 false true true JAMES ADAMS VP CONSUMER LOAN TO CREDIT UNIOM X 31049 23434 false true true AMANDA GILLUM SVP/HEAD OF LENDING CONSUMER LOAN TO CREDIT UNION X 13273 10466 false true true AMANDA GILLUM EMPLOYEE CONSUMER LOAN TO CREDIT UNION X 9856 9383 false true true DHEWLETT DIRECTOR CONSUMER LOAN TO CREDIT UNION X 8325 false true true DON NEIKIRK DIRECTOR CONSUMER LOAN TO CREDIT UNION X 11977 7307 false true true R HIENEMAN DIRECTOR CONSUMER LOAN TO CREDIT UNION X 5317 false true true DON NEIKIRK DIRECTOR CONSUMER LOAN WITH CREDIT UNION X 9213 4529 false true true BRYAN SMITH DIRECTOR CONSUMER LOAN WITH CREDIT UNION X 4928 4251 false true true B SMITH DIRECTOR CONSUMER LOAN TO CREDIT UNION X 51756 2965 false true true DON NEIKIRK DIRECTOR CONSUMER LOAN TO CREDIT UNION OFFIC X 8096 2275 false true true 298813 SEE SCH L PART II false SCHEDULE L, PART II BRYAN SMITH FROM 4,928 4,251 CONSUMER LOAN WITH CREDIT UNION ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT B. SMITH FROM 51,756 2,965 CONSUMER LOAN TO CREDIT UNION ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT DON NEIKIRK FROM 8,096 2,275 CONSUMER LOAN TO CREDIT UNION OFFIC ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT FORM 990, PAGE 6, PART VI, LINE 11B NO REVIEW WAS OR WILL BE CONDUCTED. FORM 990, PAGE 6, PART VI, LINE 12C ANNUAL CONFLICT OF INTEREST QUESTIONNAIRE MUST BE COMPLETED AND REVIEWED BY CREDIT UNION PRESIDENT FORM 990, PAGE 6, PART VI, LINE 19 CREDIT UNION GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE NOT REQUIRED TO TO BE MADE AVAILABLE TO THE PUBLIC FORM 990, PART XI, LINE 9 TRANSFER TO HTM SECURITIES 2,795,721