Civic Intelligence

Community First Credit Union

990 • Fiscal year 2015 • EIN 43-6030489

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 10, 2016

Organization ProfileMYCOMMUNITYFIRSTCU.COM
6460 Interstate CourtHannibal, MO 63401-6759

(573) 248-2569

Siviq Scores

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

Liabilities / Assets

80th percentile

0.90x

Higher debt load relative to assets than 80% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

73rd percentile

24.86x

Higher debt load relative to revenue than 73% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

23rd percentile

-2.0%

Higher net margin than 23% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

26th percentile

$35,368

Higher top officer pay than 26% of similar nonprofits.

Top officer pay equals 13.6% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

84th percentile

7.5%

Faster asset growth than 84% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

17th percentile

-7.4%

Faster revenue growth than 17% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$7,153,101

Up $500,368 (+7.5%) from 2014

Net Assets

Down

$704,801

Down $5,171 (-0.7%) from 2014

Liabilities

Up

$6,448,300

Up $505,539 (+8.5%) from 2014

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin23rd percentile

Revenue

Down

$259,430

Down $20,678 (-7.4%) from 2014

Expenses

Up

$264,601

Up $6,532 (+2.5%) from 2014

Net Income

Down

-$5,171

Down $27,210 (-123%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth84th 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

2015

Assets$7,153,101
Liabilities$6,448,300
Net Assets$704,801
Open 2015 Filing

Operations Trend

Revenue Growth17th percentile

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

2015

Revenue$259,430
Expenses$264,601
Net Income-$5,171
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 10, 2016
Return Version
2015v2.1
Gross Receipts
$259,430
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$5,536,949$5,016,201▼ $520,748
Savings and Temporary Cash Investments$715,659$1,807,955▲ $1,092,296
Rtn Earn Endowment Incm Other Fnds$709,972$704,801▼ $5,171
Cash and Non-Interest-Bearing Accounts$295,259$205,179▼ $90,080
Land, Buildings, and Equipment, Net$19,682$9,547▼ $10,135
Prepaid Expenses and Deferred Charges$3,458$2,956▼ $502
Accounts Receivable$282$1,853▲ $1,571
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,652,733$7,153,101▲ $500,368
Other Assets Total$81,444$109,410▲ $27,966
Liabilities
Other Liabilities$5,901,170$6,398,073▲ $496,903
Accounts Payable and Accrued Expenses$41,591$50,227▲ $8,636
Total Liabilities$5,942,761$6,448,300▲ $505,539
Net Assets / Fund Balance
Total Net Assets Fund Balance$709,972$704,801▼ $5,171
Total Liabilities and Net Assets / Fund Balance$6,652,733$7,153,101▲ $500,368

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,575$64,599$73,174
Leasehold Improvements$972$2,528$3,500
Compensation and Service Providers
Top Officer Pay26th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Candy GolianCEO (resigned)FT$35,008$360$35,368
Marci FesslerCEO (current)FT$625$30$655

Board Members and Trustees

NameTitle
Thomas RichmondChairman
Mike BaxterVice Chairman
Bill FisherBoard Member
Lacie CrabillBoard Member
Sydney BrownellBoard Member
Macy RodenbaughSecretary
Martin Lincoln JrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$254,702
Investment Income
$4,728
Other Revenue
$0
Change in Net Assets
$-5,171
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$177,961
Salaries, Compensation, and Employee Benefits$86,640
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$42,396
Fees for Services Other---$38,132
Current Officers, Directors, Trustees, and Key Employees---$36,023
Office Expenses---$35,036
Occupancy---$16,350
Depreciation Depletion---$10,135
Payroll Taxes---$8,221
Fees for Services Accounting---$7,097
Advertising---$5,546
Conferences and Meetings---$3,516
Other Expenses---$2,985
Fees for Services Legal---$684
Total Functional Expenses$0$0$0$264,601
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$6,398,073
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
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. The ceo reviews the return and presents it to the board of directors.”

Form 990, Part VI, Section B, line 15

“The board of directors sets compensation for the ceo based on salary surveys and a written employment contract. The ceo 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 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

Filer Name
Community First Credit Union
EIN
43-6030489
Phone
5732482569
Address
6460 INTERSTATE COURT, HANNIBAL, MO 63401-6759

Signing Officer

Name
Marci Fessler
Title
CEO
Phone
5732482569
Signed
2016-11-10
Discuss with paid preparer
Yes

Organization Details

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

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Phone
3142058601
Raw XML Appendix335 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/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09547
IRS990ScheduleD/TotalLiabilityAmt06398073
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. THE CEO REVIEWS THE RETURN AND PRESENTS IT TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS SETS COMPENSATION FOR THE CEO BASED ON SALARY SURVEYS AND A WRITTEN EMPLOYMENT CONTRACT. THE CEO 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 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/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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt06652733
IRS990/TotalAssetsEOYAmt07153101
IRS990/TotalAssetsGrp/BOYAmt06652733
IRS990/TotalAssetsGrp/EOYAmt07153101
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/TotalAmt0264601
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05942761
IRS990/TotalLiabilitiesEOYAmt06448300
IRS990/TotalLiabilitiesGrp/BOYAmt05942761
IRS990/TotalLiabilitiesGrp/EOYAmt06448300
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0709972
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0704801
IRS990/TotalOtherCompensationAmt0390
IRS990/TotalProgramServiceRevenueAmt0254702
IRS990/TotalReportableCompFromOrgAmt035633
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0259430
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0259430
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06652733
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07153101
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06460 INTERSTATE COURT
IRS990/USAddress/CityNm0HANNIBAL
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0634016759
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0MYCOMMUNITYFIRSTCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARCI FESSLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05732482569
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY FIRST CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0436030489
ReturnHeader/Filer/PhoneNum05732482569
ReturnHeader/Filer/USAddress/AddressLine1Txt06460 INTERSTATE COURT
ReturnHeader/Filer/USAddress/CityNm0HANNIBAL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0634016759
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431887384
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CHESTERFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd063017
ReturnHeader/PreparerPersonGrp/PhoneNum03142058601
ReturnHeader/ReturnTs02016-11-10T12:44:36-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,153,101
Liabilities
$6,448,300
Net assets
$704,801
Revenue
$259,430
Expenses
$264,601
Net income
-$5,171
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