Civic Intelligence

First Choice Community Credit Union Inc

990 • Fiscal year 2013 • EIN 34-6611264

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 22, 2014

Organization ProfileWWW.FCCCU.COM

View Organization Page

804 Warren Ave44446

(330) 652-3887

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

50th percentile

0.88x

Higher debt load relative to assets than 50% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

58th percentile

20.99x

Higher debt load relative to revenue than 58% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

89th percentile

18%

Higher net margin than 89% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

36th percentile

$83,004

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 7.9% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

94th percentile

10%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$25,096,335

Up $4,064,310 (+19%) from 2010

Net Assets

Up

$2,937,186

Up $528,419 (+22%) from 2010

Liabilities

Up

$22,159,149

Up $3,535,891 (+19%) from 2010

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin89th percentile

Revenue

$1,055,629

No earlier filing loaded for comparison.

Expenses

Down

$860,791

Down $169,178 (-16%) from 2010

Net Income

$194,838

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$30M$20M$10M$0Assets 2010: $21,032,025Liabilities 2010: $18,623,258Net Assets 2010: $2,408,7672010Assets 2013: $25,096,335Liabilities 2013: $22,159,149Net Assets 2013: $2,937,1862013Assets 2014: $25,849,292Liabilities 2014: $22,724,374Net Assets 2014: $3,124,9182014Assets 2016: $26,924,906Liabilities 2016: $23,407,099Net Assets 2016: $3,517,8072016Assets 2017: $25,989,879Liabilities 2017: $22,394,745Net Assets 2017: $3,595,1342017Assets 2018: $19,379,508Liabilities 2018: $16,029,595Net Assets 2018: $3,349,9132018Assets 2019: $18,483,252Liabilities 2019: $14,741,018Net Assets 2019: $3,742,2342019Assets 2020: $20,090,184Liabilities 2020: $16,639,606Net Assets 2020: $3,450,5782020

Highlighted filing

2013

Assets$25,096,335
Liabilities$22,159,149
Net Assets$2,937,186
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,029,9692010Revenue 2013: $1,055,629Expenses 2013: $860,791Net Income 2013: $194,8382013Revenue 2014: $1,010,301Expenses 2014: $822,569Net Income 2014: $187,7322014Revenue 2016: $982,752Expenses 2016: $972,421Net Income 2016: $10,3312016Revenue 2017: $877,179Expenses 2017: $799,852Net Income 2017: $77,3272017Revenue 2018: $841,895Expenses 2018: $783,730Net Income 2018: $58,1652018Revenue 2019: $694,996Expenses 2019: $657,337Net Income 2019: $37,6592019Revenue 2020: $473,159Expenses 2020: $648,394Net Income 2020: -$175,2352020

Highlighted filing

2013

Revenue$1,055,629
Expenses$860,791
Net Income$194,838
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 22, 2014
Return Version
2013v3.1
Gross Receipts
$1,055,629
Mission and Program Overview

Mission

A financial cooperative / credit union organized to provide its members with low interest loans, and to promote savings among those members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$12,126,843$13,197,591▲ $1,070,748
Rtn Earn Endowment Incm Other Fnds$2,742,348$2,937,186▲ $194,838
Cash and Non-Interest-Bearing Accounts$188,605$241,996▲ $53,391
Land, Buildings, and Equipment, Net$76,370$83,620▲ $7,250
Prepaid Expenses and Deferred Charges$31,630$44,137▲ $12,507
Accounts Receivable$301$283▼ $18
Total Assets$22,763,899$25,096,335▲ $2,332,436
Other Assets Total$10,340,150$11,528,708▲ $1,188,558
Liabilities
Other Liabilities$19,979,203$22,121,771▲ $2,142,568
Accounts Payable and Accrued Expenses$42,348$37,378▼ $4,970
Total Liabilities$20,021,551$22,159,149▲ $2,137,598
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,742,348$2,937,186▲ $194,838
Total Liabilities and Net Assets / Fund Balance$22,763,899$25,096,335▲ $2,332,436

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$36,955$320,513$357,468
Buildings$26,354$80,162$106,516
Leasehold Improvements$4,311$54,699$59,010
Land$16,000-$16,000
Investment Program Related Org$100,000--
Other Assets Org$1,525,323--
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marc MucroskiManager / CEOFT$83,004$83,004

Board Members and Trustees

NameTitle
Thomas HaysPresident
Kathleen BowenVice President
Dennis LaskeyDirector
Dick RichardsDirector
Holly MangDirector
James LingoDirector
Matthew BlairDirector
Fred KubliSecretary
J Daniel SgambatiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$594,629
Investment Income
$278,347
Other Revenue
$182,653
Change in Net Assets
$194,838
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$513,776
Salaries, Compensation, and Employee Benefits$347,015
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$185,417--$185,417
Interest$176,932--$176,932
Current Officers, Directors, Trustees, and Key Employees$83,004--$83,004
Office Expenses$55,584--$55,584
Occupancy$44,040--$44,040
Other Expenses$40,019--$40,019
Other Employee Benefits$32,796--$32,796
Advertising$29,971--$29,971
Information Technology$24,558--$24,558
Pension Plan Contributions$23,887--$23,887
Payroll Taxes$21,911--$21,911
Depreciation Depletion$8,261--$8,261
Fees for Services Legal$5,261--$5,261
Fees for Services Management$3,235--$3,235
Payments to Affiliates$769--$769
Total Functional Expenses$860,791$0$0$860,791
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes$22,121,771
Member Shares and Savings Accounts-
Workers Compensation Payable-
State Income Taxes Payable-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11A

“Organizations process to review form 990 the form 990 was prepared by a cpa firm and presented at board meeting.”

Form 990, Part VI, Section B, Line 12C

“Enforcement of conflicts policy purchases are reviewed by the board and then approved.”

Form 990, Part VI, Section B, Line 15A

“Compensation process for top official the board appoints a salary review committee annually to review employee performance and compensation. The committee then prepares a report for presentation to the board for review and approval.”

Form 990, Part VI, Section B, Line 15B

“Compensation process for officers see explanation for line 15a above.”

Form 990, Part VI, Section C, Line 19

“Governing documents explanation documents are made available to the public upon request.”

Filing and Contact Details

Filer

EIN
34-6611264
Phone
3306523887

Signing Officer

Name
Marc Mucroski
Title
Executive Director
Signed
2014-03-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Marc Mucroski
Formed
1968
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
0

Preparer

Preparer
William Leicht
Phone
3307588395
Supplemental Narrative

Additional Explanations

Form 990, Part IV, Section A, Line 6

“Classes of members or stockholders the credit union has members”

Raw XML AppendixShowing 400 of 418 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0357468
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt010700376
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt199650
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2200000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt37828
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4700737
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt51389000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt6100000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES AND OTHER DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1FHLB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2FNMA BOND
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3MONEY MARKET
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4S/L DEPOSITS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5OTHER C/U DEPOSITS - CD
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6CORP ONE ESCROW
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/LandGrp/BookValueAmt016000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt016000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt04311
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt054699
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt059010
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt04141981
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt13895922
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2846018
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3180910
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4279246
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5201115
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt686034
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt790074
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt8282085
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt91525323
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0MORTGAGES
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1LOANS DUE
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2REVOLVING CREDIT LOANS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ROUNDING
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4SHARE COVERED LOAN
IRS990ScheduleD/OtherAssetsOrgGrp/Desc5OLCCU CAPITALIZATION
IRS990ScheduleD/OtherAssetsOrgGrp/Desc6NCUSIF CAPITALIZATION
IRS990ScheduleD/OtherAssetsOrgGrp/Desc7HOME EQUITY LOAN
IRS990ScheduleD/OtherAssetsOrgGrp/Desc8ACCRUED INCOME FROM INVESTMENTS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc9ALL OTHER ASSETS
IRS990ScheduleD/OtherAssetsOrgGrp/Desc10CASH INTEREST BEARING LOANS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt022121771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2WORKERS COMPENSATION PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3STATE INCOME TAXES PAYABLE
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt083620
IRS990ScheduleD/TotalBookValueOtherAssetsAmt011528708
IRS990ScheduleD/TotalBookValueProgramRltdAmt013197591
IRS990ScheduleD/TotalLiabilityAmt022121771
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CLASSES OF MEMBERS OR STOCKHOLDERS THE CREDIT UNION HAS MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ORGANIZATIONS PROCESS TO REVIEW FORM 990 THE FORM 990 WAS PREPARED BY A CPA FIRM AND PRESENTED AT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ENFORCEMENT OF CONFLICTS POLICY PURCHASES ARE REVIEWED BY THE BOARD AND THEN APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION PROCESS FOR TOP OFFICIAL THE BOARD APPOINTS A SALARY REVIEW COMMITTEE ANNUALLY TO REVIEW EMPLOYEE PERFORMANCE AND COMPENSATION. THE COMMITTEE THEN PREPARES A REPORT FOR PRESENTATION TO THE BOARD FOR REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION PROCESS FOR OFFICERS SEE EXPLANATION FOR LINE 15A ABOVE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS EXPLANATION DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part IV, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0OH
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt022763899
IRS990/TotalAssetsEOYAmt025096335
IRS990/TotalAssetsGrp/BOYAmt022763899
IRS990/TotalAssetsGrp/EOYAmt025096335
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0860791
IRS990/TotalFunctionalExpensesGrp/TotalAmt0860791
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt020021551
IRS990/TotalLiabilitiesEOYAmt022159149
IRS990/TotalLiabilitiesGrp/BOYAmt020021551
IRS990/TotalLiabilitiesGrp/EOYAmt022159149
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02742348
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02937186
IRS990/TotalProgramServiceExpensesAmt0860791
IRS990/TotalProgramServiceRevenueAmt0594629
IRS990/TotalReportableCompFromOrgAmt083004
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01055629
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022763899
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025096335
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10324 Stinyhill Rd
IRS990/USAddress/City0West Middlesex
IRS990/USAddress/State0PA
IRS990/USAddress/ZIPCode016159
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FCCCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MARC MUCROSKI
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-03-22
ReturnHeader/Filer/BusinessName/BusinessNameLine10FIRST CHOICE COMMUNITY CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0FIRS
ReturnHeader/Filer/EIN0346611264
ReturnHeader/Filer/PhoneNum03306523887

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,096,335
Liabilities
$22,159,149
Net assets
$2,937,186
Revenue
$1,055,629
Expenses
$860,791
Net income
$194,838
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.1$16.6$3.45$0.47$0.65$0.18
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$14.7$3.74$0.69$0.66$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.4$16.0$3.35$0.84$0.78$0.06
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.0$22.4$3.60$0.88$0.80$0.08
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$23.4$3.52$0.98$0.97$0.01
2014Detailed filing. Detailed filing data is available for this year.$25.8$22.7$3.12$1.01$0.82$0.19
2013Detailed filing. Detailed filing data is available for this year.$25.1$22.2$2.94$1.06$0.86$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.0$18.6$2.41$1.03