Mutual Credit Union Foundation
EIN: 863714684 · Vicksburg, MS · NTEE: T20
| Metric | Value |
|---|---|
| Total Revenue | $39K |
| Total Expenses | $27K |
| Net Assets | $25K |
Search Intent Cockpit
Mutual Credit Union Foundation Form 990, Revenue, CEO Pay, and IRS Filing Signals
Mutual Credit Union Foundation is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Mutual Credit Union Foundation in one place.
Form 990 Filing Summary
3 filing years are available, with latest revenue of $27K and expenses of $27K.
Revenue and Expenses
Mutual Credit Union Foundation reported $27K in revenue and $27K in expenses, a deficit of $295.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
Mission score and red-flag review are shown when AI enrichment is available.
Is Mutual Credit Union Foundation Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
Functional expense detail is not available on the stored filing yet. Existing program percentage and future extracted expense fields will populate this panel.
Across stored filings, Mutual Credit Union Foundation shows contribution history pending. Next enrichment targets: revenue-source fields, functional expense detail, IRS BMF classification, AI synthesis.
Decision Cockpit
One-Stop Donor, Research, and Peer Context Hub
| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Insufficient Data | Good filing record; no red flags identified |
| Mission spend | Pending | Unknown |
| Financial durability | Grade B | 3 stored filing years |
| Peer context | Compare with Mending Hearts Youth Ranch Inc | Mississippi and Philanthropy context |
Trust Check
Review legitimacy, deductibility, red flags, and filing consistency.
Open charity check →Peer Benchmark
Compare against real state and category peers.
Compare with Mending Hearts Youth Ranch Inc →All Mississippi nonprofits
All Philanthropy
Local and Sector Spokes
Move into this nonprofit's local market, category, and sector maps.
Vicksburg, MS nonprofitsPhilanthropy in Mississippi
Public Benefit in Mississippi
Follow the Money
Jump into spending, compensation, rankings, and filing-year evidence.
State spending analysisState compensation analysis
Philanthropy spending
Best Philanthropy charities in Mississippi
Relevant rankings
Donation Decision Flow
From Trust Check to Better Alternatives
Alternative Shopping
Similar Nonprofits Donors Should Compare
Greenleaf Volunteer Fire Department
Coldwater, MS · $23K revenue · Score 95/100
Compare side-by-sideIntercessory Group Ministries And Outreach Services
Sardis, MS · $149K revenue · Score 92/100
Compare side-by-sideTogether Enhancing Autism Awareness In Mississippi Inc
Taylorsville, MS · $200K revenue · Score 90/100
Compare side-by-sideHabitat For Humanity International Inc
Booneville, MS · $0 revenue · Score 85/100
Compare side-by-sideNext Best Actions
Keep the Investigation Moving
Research Workflow
Turn this Form 990 profile into a donor-ready report
Request a concise report for Mutual Credit Union Foundation with revenue, expenses, executive compensation, red flags, peer context, and IRS source links. You can also request CSV exports or watchlist updates for future filings.
Early access request only. Reports and exports are informational and based on public IRS records, not financial or legal advice.
About Mutual Credit Union Foundation
Mutual Credit Union Foundation (EIN: 863714684) is a nonprofit organization based in Vicksburg, MS, classified under NTEE code T20. The organization reported total revenue of $39K and total assets of $24K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Mutual Credit Union Foundation's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Mutual Credit Union Foundation is a micro nonprofit that has been operating for 5 years, with 3 years of IRS 990 filings on record (2021–2023). Revenue has grown at a compound annual rate of 6.9%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $27K |
| Total Expenses | $27K |
| Surplus / Deficit | $-295 |
| Total Assets | $25K |
| Total Liabilities | $1 |
| Net Assets | $25K |
| Operating Margin | -1.1% |
| Debt-to-Asset Ratio | 0.0% |
| Months of Reserves | 11.1 months |
Financial Health Grade: B
In 2023, Mutual Credit Union Foundation reported a deficit of $295 with expenses exceeding revenue, holds 11.1 months of operating reserves (strong position), has a debt-to-asset ratio of 0.0% (very low leverage).
Financial Trends
Over 3 years of filings (2021–2023), Mutual Credit Union Foundation's revenue has grown at a compound annual growth rate (CAGR) of 6.9%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +36.8% | +113.7% | -1.2% |
| 2022 | -16.5% | +150.9% | +37.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 2021 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for Mutual Credit Union Foundation has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Mutual Credit Union Foundation with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $295, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.0%.
Frequently Asked Questions about Mutual Credit Union Foundation
Is Mutual Credit Union Foundation a legitimate charity?
Mutual Credit Union Foundation (EIN: 863714684) is a registered tax-exempt nonprofit based in Mississippi. It has 3 years of IRS 990 filings on record. Total revenue: $39K. No red flags identified. Financial health grade: B.
How does Mutual Credit Union Foundation spend its money?
Mutual Credit Union Foundation reported $39K in total revenue in IRS 990 filings. 3 years of filing data available. Expenses exceeded revenue in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Mutual Credit Union Foundation tax-deductible?
Mutual Credit Union Foundation is registered as a tax-exempt nonprofit (EIN: 863714684). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Mutual Credit Union Foundation located?
Mutual Credit Union Foundation is headquartered in Vicksburg, Mississippi and files with the IRS under EIN 863714684. It is classified under NTEE code T20.
How many years of IRS 990 filings does Mutual Credit Union Foundation have?
Mutual Credit Union Foundation has 3 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data. The most recent filing shows $39K in total revenue.
Filing History
IRS 990 filing history for Mutual Credit Union Foundation showing financial trends over 3 years of public records:
Over 3 years of IRS 990 filings (2021–2023), Mutual Credit Union Foundation's revenue has grown by 14.2%, moving from $23K to $27K. Total assets increased by 35.9% over the same period, from $18K to $25K. Total functional expenses rose by 436.1%, from $5K to $27K. In its most recent filing year (2023), Mutual Credit Union Foundation reported a deficit of $295, with expenses exceeding revenue. The organization holds $1 in liabilities against $25K in assets (debt-to-asset ratio: 0.0%), resulting in net assets of $25K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $27K | $27K | $25K | $1 | — | — |
| 2022 | $20K | $13K | $25K | $1 | — | — |
| 2021 | $23K | $5K | $18K | $1 | — | — |
Year-by-Year Financial Summary
- 2023: Revenue of $27K, expenses of $27K, and assets of $25K (revenue +36.8% year-over-year).
- 2022: Revenue of $20K, expenses of $13K, and assets of $25K (revenue -16.5% year-over-year).
- 2021: Revenue of $23K, expenses of $5K, and assets of $18K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Mutual Credit Union Foundation:
Data Sources and Methodology
This transparency report for Mutual Credit Union Foundation is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.