Civic Intelligence

First Choice Community Credit Union Inc

990 • Fiscal year 2014 • EIN 34-6611264

Jan 01, 2014 to Dec 31, 2014 • Filed on Oct 16, 2015

Organization ProfileWWW.FCCCU.COM

View Organization Page

804 Warren AveNiles, OH 44446

(330) 652-3887

Siviq Scores

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

Liabilities / Assets

48th percentile

0.88x

Higher debt load relative to assets than 48% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

66th percentile

22.49x

Higher debt load relative to revenue than 66% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

88th percentile

19%

Higher net margin than 88% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

38th percentile

$86,990

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 8.6% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

64th percentile

3.0%

Faster asset growth than 64% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

26th percentile

-4.3%

Faster revenue growth than 26% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$25,849,292

Up $4,817,267 (+23%) from 2010

Net Assets

Up

$3,124,918

Up $716,151 (+30%) from 2010

Liabilities

Up

$22,724,374

Up $4,101,116 (+22%) from 2010

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin88th percentile

Revenue

$1,010,301

No earlier filing loaded for comparison.

Expenses

Down

$822,569

Down $207,400 (-20%) from 2010

Net Income

$187,732

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth64th 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 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

2014

Assets$25,849,292
Liabilities$22,724,374
Net Assets$3,124,918
Open 2014 Filing

Operations Trend

Revenue Growth26th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,029,9692010Revenue 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

2014

Revenue$1,010,301
Expenses$822,569
Net Income$187,732
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Oct 16, 2015
Return Version
2014v5.0
Gross Receipts
$1,010,301
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$13,197,591$15,266,643▲ $2,069,052
Rtn Earn Endowment Incm Other Fnds$2,937,186$3,124,918▲ $187,732
Cash and Non-Interest-Bearing Accounts$241,996$201,355▼ $40,641
Land, Buildings, and Equipment, Net$83,620$69,782▼ $13,838
Prepaid Expenses and Deferred Charges$44,137$41,216▼ $2,921
Accounts Receivable$283$2,715▲ $2,432
Total Assets$25,096,335$25,849,292▲ $752,957
Other Assets Total$11,528,708$10,267,581▼ $1,261,127
Liabilities
Other Liabilities$22,121,771$22,700,200▲ $578,429
Accounts Payable and Accrued Expenses$37,378$24,174▼ $13,204
Total Liabilities$22,159,149$22,724,374▲ $565,225
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,937,186$3,124,918▲ $187,732
Total Liabilities and Net Assets / Fund Balance$25,096,335$25,849,292▲ $752,957

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$27,658$332,902$360,560
Buildings$23,691$82,825$106,516
Leasehold Improvements$2,433$56,577$59,010
Land$16,000-$16,000
Investment Program Related Org$100,000--
Other Assets Org$948,300--
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marc MucroskiManager / CEOFT$86,990$86,990

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
$566,088
Investment Income
$279,391
Other Revenue
$164,822
Change in Net Assets
$187,732
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$474,445
Salaries, Compensation, and Employee Benefits$261,134
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$165,315--$165,315
Interest$156,707--$156,707
Benefits to Members$86,990--$86,990
Office Expenses$51,731--$51,731
Other Employee Benefits$50,609--$50,609
Other Expenses$43,503--$43,503
Occupancy$36,796--$36,796
Advertising$26,861--$26,861
Pension Plan Contributions$24,394--$24,394
Payroll Taxes$20,816--$20,816
Information Technology$19,432--$19,432
Depreciation Depletion$10,195--$10,195
Fees for Services Legal$8,692--$8,692
Fees for Services Management$2,601--$2,601
Payments to Affiliates$400--$400
Total Functional Expenses$822,569$0$0$822,569
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$22,700,200
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

Filer Name
First Choice Community Credit Union Inc
EIN
34-6611264
Phone
3306523887
Address
804 WARREN AVE, NILES, OH 44446

Signing Officer

Name
Mark Mucroski
Title
Executive Director
Signed
2015-10-16
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
7

Preparer

Firm
Accounting Solutions
Address
8039 BROADMOOR UNIT 12, MENTOR, OH 44060
Preparer
William D 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 438 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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IRS990/PYTotalRevenueAmt01055629
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0187732
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02937186
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03124918
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt023691
IRS990ScheduleD/BuildingsGrp/DepreciationAmt082825
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0106516
IRS990ScheduleD/EquipmentGrp/BookValueAmt027658
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0332902
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0360560
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt012714376
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt199650
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2200000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt32164
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4818453
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt51332000
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/BookValueAmt02433
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt056577
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt059010
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt03975539
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt13341636
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt2847662
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt3-2
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt4191670
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt5279246
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt6204548
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt771284
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt894959
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt9312739
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt10948300
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/Amt022700200
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/TotalBookValueLandBuildingsAmt069782
IRS990ScheduleD/TotalBookValueOtherAssetsAmt010267581
IRS990ScheduleD/TotalBookValueProgramRltdAmt015266643
IRS990ScheduleD/TotalLiabilityAmt022700200
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/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt025096335
IRS990/TotalAssetsEOYAmt025849292
IRS990/TotalAssetsGrp/BOYAmt025096335
IRS990/TotalAssetsGrp/EOYAmt025849292
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0822569
IRS990/TotalFunctionalExpensesGrp/TotalAmt0822569
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022159149
IRS990/TotalLiabilitiesEOYAmt022724374
IRS990/TotalLiabilitiesGrp/BOYAmt022159149
IRS990/TotalLiabilitiesGrp/EOYAmt022724374
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02937186
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03124918
IRS990/TotalProgramServiceExpensesAmt0822569
IRS990/TotalProgramServiceRevenueAmt0566088
IRS990/TotalReportableCompFromOrgAmt086990
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01010301
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01010301
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025096335
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025849292
IRS990/TravelGrp/TotalAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,849,292
Liabilities
$22,724,374
Net assets
$3,124,918
Revenue
$1,010,301
Expenses
$822,569
Net income
$187,732
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
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.0$18.6$2.41$1.03