Civic Intelligence

Community First Credit Union

990 • Fiscal year 2018 • EIN 43-6030489

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 12, 2019

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

72nd percentile

0.88x

Higher debt load relative to assets than 72% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Liabilities / Revenue

65th percentile

19.76x

Higher debt load relative to revenue than 65% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Net Margin

47th percentile

7.6%

Higher net margin than 47% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Top Officer Pay

24th percentile

$33,242

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 12.4% of source-year revenue.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2018

Asset Growth

14th percentile

-6.5%

Faster asset growth than 14% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Revenue Growth

10th percentile

-0.8%

Faster revenue growth than 10% of similar nonprofits.

2018 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$5,984,516

Down $417,161 (-6.5%) from 2017

Net Assets

Up

$696,208

Up $20,283 (+3.0%) from 2017

Liabilities

Down

$5,288,308

Down $437,444 (-7.6%) from 2017

Revenue And Expenses
Liabilities / Revenue65th percentileNet Margin47th percentile

Revenue

Down

$267,615

Down $2,211 (-0.8%) from 2017

Expenses

Down

$247,332

Down $19,285 (-7.2%) from 2017

Net Income

Up

$20,283

Up $17,074 (+532%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth14th 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

2018

Assets$5,984,516
Liabilities$5,288,308
Net Assets$696,208
Open 2018 Filing

Operations Trend

Revenue Growth10th 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

2018

Revenue$267,615
Expenses$247,332
Net Income$20,283
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 12, 2019
Return Version
2018v3.1
Gross Receipts
$267,615
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$5,305,824$5,264,266▼ $41,558
Rtn Earn Endowment Incm Other Fnds$675,925$696,208▲ $20,283
Savings and Temporary Cash Investments$864,513$557,905▼ $306,608
Cash and Non-Interest-Bearing Accounts$150,118$91,566▼ $58,552
Prepaid Expenses and Deferred Charges$2,547$5,150▲ $2,603
Land, Buildings, and Equipment, Net$707$0▼ $707
Accounts Receivable$147$2▼ $145
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$6,401,677$5,984,516▼ $417,161
Other Assets Total$77,821$65,627▼ $12,194
Liabilities
Other Liabilities$5,679,727$5,094,811▼ $584,916
Unsecured Notes Loans Payable-$169,145-
Accounts Payable and Accrued Expenses$46,025$24,352▼ $21,673
Total Liabilities$5,725,752$5,288,308▼ $437,444
Net Assets / Fund Balance
Total Net Assets Fund Balance$675,925$696,208▲ $20,283
Total Liabilities and Net Assets / Fund Balance$6,401,677$5,984,516▼ $417,161

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$73,174$73,174
Leasehold Improvements$0$3,500$3,500
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Marci FesslerCEOFT$32,882$360$33,242

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
$255,549
Investment Income
$12,066
Other Revenue
$0
Change in Net Assets
$20,283
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$157,065
Salaries, Compensation, and Employee Benefits$90,267
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$49,350
Fees for Services Other---$39,966
Office Expenses---$35,022
Current Officers, Directors, Trustees, and Key Employees---$33,242
Occupancy---$18,206
Fees for Services Accounting---$8,372
Payroll Taxes---$7,485
Conferences and Meetings---$3,870
Other Expenses---$2,531
Advertising---$1,148
Interest---$736
Depreciation Depletion---$707
Fees for Services Legal---$255
Other Employee Benefits---$190
Total Functional Expenses$0$0$0$247,332
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$5,094,811
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
Barbara Bowdish
Title
CEO
Phone
5732482569
Signed
2019-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Barbara Bowdish
Formed
1952
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
12

Preparer

Firm
Stephen Lang & Associates LLC
Address
14323 S OUTER 40 STE N205, CHESTERFIELD, MO 63017
Preparer
Stephen Lang
Phone
3142058601
Raw XML Appendix340 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/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, THERE WERE 496 LOANS OUTSTANDING TOTALING $5,309,266.
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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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt06401677
IRS990/TotalAssetsEOYAmt05984516
IRS990/TotalAssetsGrp/BOYAmt06401677
IRS990/TotalAssetsGrp/EOYAmt05984516
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/TotalAmt0247332
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05725752
IRS990/TotalLiabilitiesEOYAmt05288308
IRS990/TotalLiabilitiesGrp/BOYAmt05725752
IRS990/TotalLiabilitiesGrp/EOYAmt05288308
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0675925
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0696208
IRS990/TotalOtherCompensationAmt0360
IRS990/TotalProgramServiceRevenueAmt0255549
IRS990/TotalReportableCompFromOrgAmt032882
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0267615
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0267615
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06401677
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05984516
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt0169145
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/BuildTS02020-03-31 21:24:44Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BARBARA BOWDISH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05732482569
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-11-12
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/AtSubmissionCreationDeviceId0DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId090B5988E53CBDDD12AFD5F67CACC6EB659604036
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt097.87.82.114
ReturnHeader/FilingSecurityInformation/IPDt02019-11-12
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm015:14:11
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/ReturnTs02019-11-12T15:14:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,984,516
Liabilities
$5,288,308
Net assets
$696,208
Revenue
$267,615
Expenses
$247,332
Net income
$20,283
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