Civic Intelligence

Community First Credit Union

990 • Fiscal year 2013 • EIN 43-6030489

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 11, 2014

Organization ProfileMYCOMMUNITYFIRSTCU.COM
6460 Interstate CourtHannibal, MO 63401

(573) 248-2569

Siviq Scores

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

Liabilities / Assets

77th percentile

0.90x

Higher debt load relative to assets than 77% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

64th percentile

21.43x

Higher debt load relative to revenue than 64% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

66th percentile

6.9%

Higher net margin than 66% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

20th percentile

$13,070

Higher top officer pay than 20% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Asset Growth

33rd percentile

-2.0%

Faster asset growth than 33% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M 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 / Assets77th percentile

Assets

Down

$6,733,680

Down $137,601 (-2.0%) from 2012

Net Assets

Up

$687,933

Up $19,429 (+2.9%) from 2012

Liabilities

Down

$6,045,747

Down $157,030 (-2.5%) from 2012

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin66th percentile

Revenue

$282,154

No earlier filing loaded for comparison.

Expenses

Down

$262,738

Down $33,798 (-11%) from 2012

Net Income

$19,416

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth33rd percentile

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

$10M$5.0M$0Assets 2010: $6,725,255Liabilities 2010: $5,960,746Net Assets 2010: $764,5092010Assets 2011: $6,668,933Liabilities 2011: $5,945,092Net Assets 2011: $723,8412011Assets 2012: $6,871,281Liabilities 2012: $6,202,777Net Assets 2012: $668,5042012Assets 2013: $6,733,680Liabilities 2013: $6,045,747Net Assets 2013: $687,9332013Assets 2014: $6,652,733Liabilities 2014: $5,942,761Net Assets 2014: $709,9722014Assets 2015: $7,153,101Liabilities 2015: $6,448,300Net Assets 2015: $704,8012015Assets 2016: $7,278,841Liabilities 2016: $6,606,125Net Assets 2016: $672,7162016Assets 2017: $6,401,677Liabilities 2017: $5,725,752Net Assets 2017: $675,9252017Assets 2018: $5,984,516Liabilities 2018: $5,288,308Net Assets 2018: $696,2082018Assets 2019: $5,877,440Liabilities 2019: $5,166,830Net Assets 2019: $710,6102019Assets 2020: $6,839,423Liabilities 2020: $6,099,130Net Assets 2020: $740,2932020Assets 2021: $7,339,315Liabilities 2021: $6,556,548Net Assets 2021: $782,7672021Assets 2022: $8,166,806Liabilities 2022: $7,373,311Net Assets 2022: $793,4952022Assets 2023: $8,285,158Liabilities 2023: $7,473,482Net Assets 2023: $811,6762023Assets 2024: $8,376,085Liabilities 2024: $7,522,741Net Assets 2024: $853,3442024

Highlighted filing

2013

Assets$6,733,680
Liabilities$6,045,747
Net Assets$687,933
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $276,4352010Expenses 2011: $301,6802011Expenses 2012: $296,5362012Revenue 2013: $282,154Expenses 2013: $262,738Net Income 2013: $19,4162013Revenue 2014: $280,108Expenses 2014: $258,069Net Income 2014: $22,0392014Revenue 2015: $259,430Expenses 2015: $264,601Net Income 2015: -$5,1712015Revenue 2016: $225,658Expenses 2016: $257,743Net Income 2016: -$32,0852016Revenue 2017: $269,826Expenses 2017: $266,617Net Income 2017: $3,2092017Revenue 2018: $267,615Expenses 2018: $247,332Net Income 2018: $20,2832018Revenue 2019: $263,106Expenses 2019: $248,704Net Income 2019: $14,4022019Revenue 2020: $259,513Expenses 2020: $229,830Net Income 2020: $29,6832020Revenue 2021: $291,240Expenses 2021: $248,766Net Income 2021: $42,4742021Revenue 2022: $331,311Expenses 2022: $320,583Net Income 2022: $10,7282022Revenue 2023: $412,707Expenses 2023: $394,526Net Income 2023: $18,1812023Revenue 2024: $512,926Expenses 2024: $471,258Net Income 2024: $41,6682024

Highlighted filing

2013

Revenue$282,154
Expenses$262,738
Net Income$19,416
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 11, 2014
Return Version
2013v3.0
Gross Receipts
$2,179,154
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,324,397$5,980,294▲ $1,655,897
Rtn Earn Endowment Incm Other Fnds$668,504$687,933▲ $19,429
Savings and Temporary Cash Investments$2,381,603$527,513▼ $1,854,090
Cash and Non-Interest-Bearing Accounts$49,969$125,732▲ $75,763
Land, Buildings, and Equipment, Net$44,135$31,374▼ $12,761
Prepaid Expenses and Deferred Charges$2,218$2,284▲ $66
Accounts Receivable$19$38▲ $19
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,871,281$6,733,680▼ $137,601
Other Assets Total$68,940$66,445▼ $2,495
Liabilities
Other Liabilities$6,130,517$6,002,334▼ $128,183
Accounts Payable and Accrued Expenses$72,260$43,413▼ $28,847
Total Liabilities$6,202,777$6,045,747▼ $157,030
Net Assets / Fund Balance
Total Net Assets Fund Balance$668,504$687,933▲ $19,429
Total Liabilities and Net Assets / Fund Balance$6,871,281$6,733,680▼ $137,601

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$29,235$43,939$73,174
Leasehold Improvements$2,139$1,361$3,500
Compensation and Service Providers
Top Officer Pay20th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Abraham GrayCEOFT$13,070$13,070
Candy GolianManagerFT$8,250$8,250

Board Members and Trustees

NameTitle
Thomas RichmondChairman
Kenneth GloverVice Chairman
Holly ThrondsonBoard Member
Keith LongBoard Member
Martin Lincoln JrBoard Member
JAMES O'BRYANSecretary
Debra MaloneTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$261,944
Investment Income
$20,210
Other Revenue
$0
Change in Net Assets
$19,416
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$169,695
Salaries, Compensation, and Employee Benefits$93,043
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$58,149
Fees for Services Other---$36,825
Office Expenses---$33,021
Current Officers, Directors, Trustees, and Key Employees---$21,320
Fees for Services Accounting---$15,620
Occupancy---$15,320
Depreciation Depletion---$12,761
Other Employee Benefits---$7,495
Payroll Taxes---$6,079
Other Expenses---$4,726
All Other Expenses---$4,569
Conferences and Meetings---$2,765
Fees for Services Legal---$1,558
Advertising---$1,220
Total Functional Expenses$0$0$0$262,738
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
Member Share Deposits$6,002,334
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“The credit union is mutually owned by members.”

Form 990, Part VI, Section A, line 7A

“The board of directors are elected by the credit union members.”

Form 990, Part VI, Section A, line 7B

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, line 11

“The form 990 is completed by an outside accounting firm based on data provided by the credit union. Upon completion, it is reviewed by the manager and presented to the board of directors.”

Form 990, Part VI, Section B, line 15

“The board of directors sets compensation for the manager based on salary surveys and a written employment contract. The manager recommends salary amounts for all other employees and presents them as part of the budget package to the board of directors. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, line 19

“Financial statements are posted in the lobby, presented at the annual meeting and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

EIN
43-6030489
Phone
5732482569

Signing Officer

Name
Candy Golian
Title
Manager
Phone
5732482569
Signed
2014-09-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Candy Golian
Formed
1952
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
6
Volunteers
14

Preparer

Phone
3142058601
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“MEMBERSHIP FEES 13.”

Raw XML Appendix344 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt072260
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt043413
IRS990/AccountsReceivableGrp/BOYAmt019
IRS990/AccountsReceivableGrp/EOYAmt038
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt01220
IRS990/AllOtherExpensesGrp/TotalAmt04569
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine10CANDY GOLIAN
IRS990/BooksInCareOfDetail/PhoneNum05732482569
IRS990/BooksInCareOfDetail/USAddress/AddressLine106460 INTERSTATE COURT
IRS990/BooksInCareOfDetail/USAddress/City0HANNIBAL
IRS990/BooksInCareOfDetail/USAddress/State0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode063401
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt049969
IRS990/CashNonInterestBearingGrp/EOYAmt0125732
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt021320
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt02765
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt020210
IRS990/CYOtherExpensesAmt0169695
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0261944
IRS990/CYRevenuesLessExpensesAmt019416
IRS990/CYSalariesCompEmpBnftPaidAmt093043
IRS990/CYTotalExpensesAmt0262738
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0282154
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt012761
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 1,156 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt015620
IRS990/FeesForServicesLegalGrp/TotalAmt01558
IRS990/FeesForServicesOtherGrp/TotalAmt036825
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0THOMAS RICHMOND
IRS990/Form990PartVIISectionAGrp/PersonNm1KENNETH GLOVER
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES O'BRYAN
IRS990/Form990PartVIISectionAGrp/PersonNm3DEBRA MALONE
IRS990/Form990PartVIISectionAGrp/PersonNm4MARTIN LINCOLN JR
IRS990/Form990PartVIISectionAGrp/PersonNm5KEITH LONG
IRS990/Form990PartVIISectionAGrp/PersonNm6HOLLY THRONDSON
IRS990/Form990PartVIISectionAGrp/PersonNm7ABRAHAM GRAY
IRS990/Form990PartVIISectionAGrp/PersonNm8CANDY GOLIAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt713070
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt88250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt03803
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01900803
IRS990/GrossReceiptsAmt02179154
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt016407
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt016407
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0321
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt045300
IRS990/LandBldgEquipBasisNetGrp/BOYAmt044135
IRS990/LandBldgEquipBasisNetGrp/EOYAmt031374
IRS990/LandBldgEquipCostOrOtherBssAmt076674
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01897000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0668504
IRS990/NetAssetsOrFundBalancesEOYAmt0687933
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt03803
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt03803
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt015320
IRS990/OfficeExpensesGrp/TotalAmt033021
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt068940
IRS990/OtherAssetsTotalGrp/EOYAmt066445
IRS990/OtherChangesInNetAssetsAmt013
IRS990/OtherEmployeeBenefitsGrp/TotalAmt07495
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MEMBER DIVIDENDS
IRS990/OtherExpensesGrp/Desc2ASSOCIATION DUES
IRS990/OtherExpensesGrp/Desc3NCUSIF ASSESSMENTS
IRS990/OtherExpensesGrp/TotalAmt017832
IRS990/OtherExpensesGrp/TotalAmt115345
IRS990/OtherExpensesGrp/TotalAmt28133
IRS990/OtherExpensesGrp/TotalAmt34726
IRS990/OtherLiabilitiesGrp/BOYAmt06130517
IRS990/OtherLiabilitiesGrp/EOYAmt06002334
IRS990/OtherSalariesAndWagesGrp/TotalAmt058149
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04324397
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05980294
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt06079
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt02218
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt02284
IRS990/PrincipalOfficerNm0CANDY GOLIAN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0241221
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt120723
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0241221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt120723
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2013, THERE WERE 561 LOANS OUTSTANDING TOTALING $6,030,766.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $15,345 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt034039
IRS990/PYOtherExpensesAmt0172541
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0207109
IRS990/PYRevenuesLessExpensesAmt0-55388
IRS990/PYSalariesCompEmpBnftPaidAmt0123995
IRS990/PYTotalExpensesAmt0296536
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0241148
IRS990/ReconcilationRevenueExpnssAmt019416
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0668504
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0687933
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02381603
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0527513
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt029235
IRS990ScheduleD/EquipmentGrp/DepreciationAmt043939
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt073174
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02139
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01361
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt03500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06002334
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt031374
IRS990ScheduleD/TotalLiabilityAmt06002334
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS COMPLETED BY AN OUTSIDE ACCOUNTING FIRM BASED ON DATA PROVIDED BY THE CREDIT UNION. UPON COMPLETION, IT IS REVIEWED BY THE MANAGER AND PRESENTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS SETS COMPENSATION FOR THE MANAGER BASED ON SALARY SURVEYS AND A WRITTEN EMPLOYMENT CONTRACT. THE MANAGER RECOMMENDS SALARY AMOUNTS FOR ALL OTHER EMPLOYEES AND PRESENTS THEM AS PART OF THE BUDGET PACKAGE TO THE BOARD OF DIRECTORS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MEMBERSHIP FEES 13.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt06871281
IRS990/TotalAssetsEOYAmt06733680
IRS990/TotalAssetsGrp/BOYAmt06871281
IRS990/TotalAssetsGrp/EOYAmt06733680
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0262738
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06202777
IRS990/TotalLiabilitiesEOYAmt06045747
IRS990/TotalLiabilitiesGrp/BOYAmt06202777
IRS990/TotalLiabilitiesGrp/EOYAmt06045747
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0668504
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0687933
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0261944
IRS990/TotalReportableCompFromOrgAmt021320
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0282154
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0282154
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06871281
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06733680
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine106460 INTERSTATE COURT
IRS990/USAddress/City0HANNIBAL
IRS990/USAddress/State0MO
IRS990/USAddress/ZIPCode063401
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0MYCOMMUNITYFIRSTCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CANDY GOLIAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05732482569
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-09-11
ReturnHeader/Filer/BusinessName/BusinessNameLine10COMMUNITY FIRST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0436030489
ReturnHeader/Filer/PhoneNum05732482569
ReturnHeader/Filer/USAddress/AddressLine106460 INTERSTATE COURT
ReturnHeader/Filer/USAddress/City0HANNIBAL
ReturnHeader/Filer/USAddress/State0MO
ReturnHeader/Filer/USAddress/ZIPCode063401
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02014-09-11T15:32:16-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$6,733,680
Liabilities
$6,045,747
Net assets
$687,933
Revenue
$282,154
Expenses
$262,738
Net income
$19,416
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$8.38$7.52$0.85$0.51$0.47$0.04
2023Detailed filing. Detailed filing data is available for this year.$8.29$7.47$0.81$0.41$0.39$0.02
2022Detailed filing. Detailed filing data is available for this year.$8.17$7.37$0.79$0.33$0.32$0.01
2021Detailed filing. Detailed filing data is available for this year.$7.34$6.56$0.78$0.29$0.25$0.04
2020Detailed filing. Detailed filing data is available for this year.$6.84$6.10$0.74$0.26$0.23$0.03
2019Detailed filing. Detailed filing data is available for this year.$5.88$5.17$0.71$0.26$0.25$0.01
2018Detailed filing. Detailed filing data is available for this year.$5.98$5.29$0.70$0.27$0.25$0.02
2017Detailed filing. Detailed filing data is available for this year.$6.40$5.73$0.68$0.27$0.27$0.00
2016Detailed filing. Detailed filing data is available for this year.$7.28$6.61$0.67$0.23$0.26$0.03
2015Detailed filing. Detailed filing data is available for this year.$7.15$6.45$0.70$0.26$0.26$0.01
2014Detailed filing. Detailed filing data is available for this year.$6.65$5.94$0.71$0.28$0.26$0.02
2013Detailed filing. Detailed filing data is available for this year.$6.73$6.05$0.69$0.28$0.26$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.87$6.20$0.67$0.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.67$5.95$0.72$0.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.73$5.96$0.76$0.28