Mid-illini Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Mid-illini Credit Union is a 501(c)(14) organization based in Bloomington, Illinois, registered in 1940, with $5,479,756 in FY2025 revenue. CharityIndex grades it B.
Po Box 1266, Bloomington, IL, 61702 EIN 37-0904387 Since 1940
Revenue (FY2025)
$5.5M
▲ 2.8% vs prior year
Expenses (FY2025)
$5.0M
Net assets
$6.8M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Mid-illini Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating16 mo reserves · +9% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Mid-illini Credit Union: 16 mo reserves · +9% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Mid-illini Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Mid-illini Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- Po Box 1266, Bloomington, IL, 61702
- City
- Bloomington
- State
- Illinois
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $3.4M (FY2013) to $5.5M (FY2025) across 13 reported years.
Financial snapshot
Financial health & position (FY2025)
Liabilities $80.6MNet assets $6.8M
Operating margin
9.1%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$87.4M
Total liabilities
$80.6M
Net assets
$6.8M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2025 | $5,479,756▲2.8% | $4,978,851▼0.6% | $6,810,408▲7.9% | $87,365,675▲4.3% | 990 |
| 2024 | $5,332,624▲11.7% | $5,008,440▲7.1% | $6,309,503▲5.4% | $83,739,068▲0.7% | 990 |
| 2023 | $4,775,548▲17.4% | $4,676,349▲27.9% | $5,985,319▲1.7% | $83,119,442▲3.3% | 990 |
| 2022 | $4,068,734▼1.3% | $3,657,024▲5.8% | $5,886,120▲7.5% | $80,425,234▲8.4% | 990 |
| 2021 | $4,122,721▲5.9% | $3,457,479▼3.1% | $5,474,410▲13.8% | $74,172,804▲5.3% | 990 |
| 2020 | $3,891,452▼6.8% | $3,569,045▼12.5% | $4,809,168▲7.2% | $70,433,887▲15.9% | 990 |
| 2019 | $4,174,511▼8.6% | $4,078,116▼9.0% | $4,486,761▲2.2% | $60,752,426▼0.8% | 990 |
| 2018 | $4,566,133▲4.6% | $4,482,925▲6.9% | $4,390,366▲1.9% | $61,223,477▲7.8% | 990 |
| 2017 | $4,364,533▲5.0% | $4,192,434▲7.9% | $4,307,158▲4.2% | $56,794,757▲7.4% | 990 |
| 2016 | $4,154,737▲22.6% | $3,884,041▲23.0% | $4,135,059▲7.0% | $52,866,511▲4.6% | 990 |
| 2015 | $3,387,764▲6.8% | $3,157,202▲6.9% | $3,864,363▲6.3% | $50,552,600▲8.4% | 990 |
| 2014 | $3,172,452▼5.9% | $2,952,708▼11.7% | $3,633,801▲6.4% | $46,627,480▼2.1% | 990 |
| 2013 | $3,372,485 | $3,344,204▲5.5% | $3,414,057▲0.8% | $47,630,031▲2.2% | 990 |
| 2012 | — | $3,169,511▲6.6% | $3,385,776▲10.0% | $46,619,508▲4.2% | 990 |
| 2011 | — | $2,973,976▲11.4% | $3,078,993▼1.3% | $44,758,378▲6.7% | 990 |
| 2010 | — | $2,670,318 | $3,118,154 | $41,938,078 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Mid-illini Credit Union a legitimate nonprofit?
- Yes. Mid-illini Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 37-0904387, based in Bloomington, Illinois.
- What is Mid-illini Credit Union's EIN?
- Mid-illini Credit Union's Employer Identification Number (EIN) is 37-0904387.
- How much revenue does Mid-illini Credit Union report?
- Mid-illini Credit Union reported $5,479,756 in total revenue on its fiscal year 2025 IRS Form 990 filing.
- What financial grade does Mid-illini Credit Union have?
- CharityIndex grades Mid-illini Credit Union B, based on financial health (reserves and operating margin).
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Data for Mid-illini Credit Union (EIN 37-0904387) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.