Civic Intelligence

Community First Credit Union

990 • Fiscal year 2017 • EIN 43-6030489

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 01, 2018

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

73rd percentile

0.89x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

61st percentile

21.22x

Higher debt load relative to revenue than 61% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

34th percentile

1.2%

Higher net margin than 34% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

25th percentile

$34,105

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 12.6% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

2nd percentile

-12%

Faster asset growth than 2% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

96th percentile

20%

Faster revenue growth than 96% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Down

$6,401,677

Down $877,164 (-12%) from 2016

Net Assets

Up

$675,925

Up $3,209 (+0.5%) from 2016

Liabilities

Down

$5,725,752

Down $880,373 (-13%) from 2016

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin34th percentile

Revenue

Up

$269,826

Up $44,168 (+20%) from 2016

Expenses

Up

$266,617

Up $8,874 (+3.4%) from 2016

Net Income

Up

$3,209

Up $35,294 (+110%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth2nd 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

2017

Assets$6,401,677
Liabilities$5,725,752
Net Assets$675,925
Open 2017 Filing

Operations Trend

Revenue Growth96th 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

2017

Revenue$269,826
Expenses$266,617
Net Income$3,209
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 1, 2018
Return Version
2017v2.3
Gross Receipts
$969,826
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$4,916,531$5,305,824▲ $389,293
Savings and Temporary Cash Investments$2,054,568$864,513▼ $1,190,055
Rtn Earn Endowment Incm Other Fnds$672,716$675,925▲ $3,209
Cash and Non-Interest-Bearing Accounts$217,343$150,118▼ $67,225
Prepaid Expenses and Deferred Charges$3,363$2,547▼ $816
Land, Buildings, and Equipment, Net$2,280$707▼ $1,573
Accounts Receivable$1,428$147▼ $1,281
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$7,278,841$6,401,677▼ $877,164
Other Assets Total$83,328$77,821▼ $5,507
Liabilities
Other Liabilities$6,532,308$5,679,727▼ $852,581
Accounts Payable and Accrued Expenses$73,817$46,025▼ $27,792
Total Liabilities$6,606,125$5,725,752▼ $880,373
Net Assets / Fund Balance
Total Net Assets Fund Balance$672,716$675,925▲ $3,209
Total Liabilities and Net Assets / Fund Balance$7,278,841$6,401,677▼ $877,164

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$707$72,467$73,174
Leasehold Improvements$0$3,500$3,500
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Marci FesslerCEOFT$33,745$360$34,105

Board Members and Trustees

NameTitle
Mike BaxterChairman
Lacie CrabillVice Chairman
Bill FisherBoard Member
Brent MassieBoard Member
Tom RichmondBoard Member
Macy RodenbaughSecretary
Martin Lincoln JrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$252,268
Investment Income
$17,558
Other Revenue
$0
Change in Net Assets
$3,209
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$173,917
Salaries, Compensation, and Employee Benefits$92,700
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$50,707
Fees for Services Other---$39,793
Office Expenses---$35,879
Current Officers, Directors, Trustees, and Key Employees---$34,105
Occupancy---$17,312
Payroll Taxes---$7,672
Fees for Services Accounting---$7,217
Conferences and Meetings---$3,726
Other Expenses---$3,289
Depreciation Depletion---$1,573
Interest---$836
Advertising---$778
Fees for Services Legal---$595
Other Employee Benefits---$216
Total Functional Expenses$0$0$0$266,617
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$5,679,727
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
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 11B

“The credit union's accountant and ceo review the form 990 return before filing.”

Form 990, Part VI, Section B, line 15

“The board of directors sets compensation for the ceo based on comparable industry standards. 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
2018-11-01
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
5
Volunteers
14

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Preparer
Stephen Lang
Phone
3142058601
Raw XML Appendix342 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/Form990PartVIISectionAGrp/TitleTxt3TREASURER
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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 546 LOANS OUTSTANDING TOTALING $5,344,824.
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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 CREDIT UNION'S ACCOUNTANT AND CEO REVIEW THE FORM 990 RETURN BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS SETS COMPENSATION FOR THE CEO BASED ON COMPARABLE INDUSTRY STANDARDS. 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 11b
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/TotalAssetsBOYAmt07278841
IRS990/TotalAssetsEOYAmt06401677
IRS990/TotalAssetsGrp/BOYAmt07278841
IRS990/TotalAssetsGrp/EOYAmt06401677
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0266617
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06606125
IRS990/TotalLiabilitiesEOYAmt05725752
IRS990/TotalLiabilitiesGrp/BOYAmt06606125
IRS990/TotalLiabilitiesGrp/EOYAmt05725752
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0672716
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0675925
IRS990/TotalOtherCompensationAmt0360
IRS990/TotalProgramServiceRevenueAmt0252268
IRS990/TotalReportableCompFromOrgAmt033745
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0269826
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0269826
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt014
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07278841
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06401677
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MARCI FESSLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05732482569
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-11-01
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/FilingSecurityInformation/AtSubmissionCreationDeviceId08C7C43951168CF45788263B15885B9037C681A73
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02018-11-01
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:03:36
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/PreparerPersonGrp/PreparerPersonNm0STEPHEN LANG
ReturnHeader/ReturnTs02018-11-01T15:03:51-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,401,677
Liabilities
$5,725,752
Net assets
$675,925
Revenue
$269,826
Expenses
$266,617
Net income
$3,209
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