Civic Intelligence

Family Community Credit Union

EIN 42-0870377 • 501(c)14 • Charles City, IA

Profile

Loans, savings, and services to Family Community Credit Union members.

1211 N Grand AveCharles City, IA 50616-1320

www.ccfccu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

6th percentile

0.01x

Higher debt load relative to assets than 6% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

9th percentile

0.16x

Higher debt load relative to revenue than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

89th percentile

27%

Higher net margin than 89% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

93rd percentile

10%

Faster asset growth than 93% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

33rd percentile

4.0%

Faster revenue growth than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Assets

Up

$25,614,552

Up $2,343,161 (+10%) from 2024

Liabilities

Up

$179,634

Up $56,765 (+46%) from 2024

Net Assets

Up

$25,434,918

Up $2,286,396 (+9.9%) from 2024

Revenue

Up

$1,141,678

Up $44,247 (+4.0%) from 2024

Expenses

Up

$838,268

Up $150,828 (+22%) from 2024

Net Income

Down

$303,410

Down $106,581 (-26%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $16,975,408Liabilities 2010: $64,281Net Assets 2010: $16,911,1272010Assets 2021: $22,794,679Liabilities 2021: $76,642Net Assets 2021: $22,718,0372021Assets 2022: $23,028,590Liabilities 2022: $101,144Net Assets 2022: $22,927,4462022Assets 2023: $21,783,929Liabilities 2023: $124,302Net Assets 2023: $21,659,6272023Assets 2024: $23,271,391Liabilities 2024: $122,869Net Assets 2024: $23,148,5222024Assets 2025: $25,614,552Liabilities 2025: $179,634Net Assets 2025: $25,434,9182025

Highlighted filing

2025

Assets$25,614,552
Liabilities$179,634
Net Assets$25,434,918

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $722,0692010Revenue 2021: $397,701Expenses 2021: $486,408Net Income 2021: -$88,7072021Revenue 2022: $484,241Expenses 2022: $530,775Net Income 2022: -$46,5342022Revenue 2023: $892,548Expenses 2023: $629,071Net Income 2023: $263,4772023Revenue 2024: $1,097,431Expenses 2024: $687,440Net Income 2024: $409,9912024Revenue 2025: $1,141,678Expenses 2025: $838,268Net Income 2025: $303,4102025

Highlighted filing

2025

Revenue$1,141,678
Expenses$838,268
Net Income$303,410

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 7, 2026
Return Version
2025v4.0
Gross Receipts
$1,141,678
Mission and Program Overview

Mission

Loans, savings, and services to Family Community Credit Union members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Pd in Cap Srpls Land Bldg Eqp Fund$23,110,518$25,434,918▲ $2,324,400
Investments Other Securities$14,555,854$16,457,515▲ $1,901,661
Other Notes and Loans Receivable, Net$8,281,529$8,519,771▲ $238,242
Cash and Non-Interest-Bearing Accounts$265,430$265,735▲ $305
Land, Buildings, and Equipment, Net$141,018$148,497▲ $7,479
Savings and Temporary Cash Investments$0$0→ $0
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$23,271,391$25,614,552▲ $2,343,161
Other Assets Total$27,560$223,034▲ $195,474
Liabilities
Accounts Payable and Accrued Expenses$122,869$105,044▼ $17,825
Other Liabilities$38,004$74,590▲ $36,586
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$160,873$179,634▲ $18,761
Net Assets / Fund Balance
Net Assets With Donor Restrictions$0$0→ $0
Net Assets Without Donor Restrictions$0$0→ $0
Total Net Assets Fund Balance$23,110,518$25,434,918▲ $2,324,400
Total Liabilities and Net Assets / Fund Balance$23,271,391$25,614,552▲ $2,343,161

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$65,871$291,209$357,080
Equipment$21,026$121,259$142,285
Land$61,600-$61,600
Closely Held Equity Interests$0--
Financial Derivatives$0--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Candice LumleyBoard Member
Christopher LaneBoard Member
Daniel HubertBoard Member
Diane SandeBoard Member
Julie ParkerBoard Member
Kurtis HoeftBoard Member
Ronald JamesBoard Member
Susan DunnBoard Member
Todd PrichardBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$539,847
Investment Income
$505,720
Other Revenue
$96,111
Change in Net Assets
$303,410
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$530,927
Salaries, Compensation, and Employee Benefits$307,341
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses$369,573--$369,573
Other Salaries and Wages$255,481--$255,481
Insurance$68,708--$68,708
Office Expenses$33,555--$33,555
Pension Plan Contributions$22,084--$22,084
Occupancy$20,280--$20,280
Payroll Taxes$20,176--$20,176
Depreciation Depletion$13,188--$13,188
Advertising$12,629--$12,629
Information Technology$11,414--$11,414
Other Employee Benefits$9,600--$9,600
Fees for Services Legal$1,580--$1,580
Total Functional Expenses$838,268$0$0$838,268
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 11B

Audit Committee reviews and presents to the Board of Directors.

Part VI, Line 12C

Board of Directors and staff must sign a conflict-of-interest agreement.

Part VI, Line 19

Documents are available upon request; financial documents are posted in the lobby monthly.

Part VI, Line 6

Members

Filing and Contact Details

Filer

Filer Name
Family Community Credit Union
EIN
42-0870377
Phone
6412286612
Address
1211 N GRAND AVE, CHARLES CITY, IA 50616-1320

Signing Officer

Name
Emily L Ott
Title
FCCU President/CEO
Phone
6412286612
Signed
2026-01-07

Organization Details

Principal Officer
Emily L Ott
Formed
1960
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
2,036
Employees
6
Volunteers
9
Supplemental Narrative

Additional Explanations

Part XI, Line 9

Increase in member deposits, increase in loans to members, & increase in investments.

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IRS990/PensionPlanContributionsGrp/TotalAmt022084
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0Emily L Ott
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0528868
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0394859
IRS990/PYOtherRevenueAmt090023
IRS990/PYProgramServiceRevenueAmt0478540
IRS990/PYRevenuesLessExpensesAmt0409991
IRS990/PYSalariesCompEmpBnftPaidAmt0292581
IRS990/PYTotalExpensesAmt0687440
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01097431
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0303410
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/ReservesMaintainedAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt065871
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0291209
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0357080
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/BookValueAmt00
IRS990ScheduleD/CloselyHeldEquityInterestsGrp/MethodValuationCd0C
IRS990ScheduleD/EquipmentGrp/BookValueAmt021026
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0121259
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0142285
IRS990ScheduleD/FinancialDerivativesGrp/BookValueAmt00
IRS990ScheduleD/FinancialDerivativesGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt061600
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt061600
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0148497
IRS990ScheduleD/TotalBookValueSecuritiesAmt00
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Audit Committee reviews and presents to the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Board of Directors and staff must sign a conflict-of-interest agreement.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Documents are available upon request; financial documents are posted in the lobby monthly.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Increase in member deposits, increase in loans to members, & increase in investments.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StateRequiredReservesAmt00
IRS990/StatesWhereCopyOfReturnIsFldCd0IA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd0false
IRS990/TaxExemptInterestAmt00
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt023271391
IRS990/TotalAssetsEOYAmt025614552
IRS990/TotalAssetsGrp/BOYAmt023271391
IRS990/TotalAssetsGrp/EOYAmt025614552
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0838268
IRS990/TotalFunctionalExpensesGrp/TotalAmt0838268
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0160873
IRS990/TotalLiabilitiesEOYAmt0179634
IRS990/TotalLiabilitiesGrp/BOYAmt0160873
IRS990/TotalLiabilitiesGrp/EOYAmt0179634
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt023110518
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt025434918
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0539847
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0539847
IRS990/TotalProgramServiceExpensesAmt0838268
IRS990/TotalProgramServiceRevenueAmt0539847
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01141678
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01141678

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