Civic Intelligence

First Community Credit Union

990 • Fiscal year 2011 • EIN 45-0226664

Jan 01, 2011 to Dec 31, 2011 • Filed on Nov 12, 2012

PO Box 218058402-2180
Siviq Scores

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

Liabilities / Assets

41st percentile

0.89x

Higher debt load relative to assets than 41% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

93rd percentile

13%

Faster asset growth than 93% of similar nonprofits.

2011 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$382,579,235

Up $44,561,468 (+13%) from 2010

Net Assets

Up

$41,646,333

Up $5,318,334 (+15%) from 2010

Liabilities

Up

$340,932,902

Up $39,243,134 (+13%) from 2010

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$18,794,835

Down $1,298,860 (-6.5%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$1.5B$1.0B$500M$0Assets 2010: $338,017,767Liabilities 2010: $301,689,768Net Assets 2010: $36,327,9992010Assets 2011: $382,579,235Liabilities 2011: $340,932,902Net Assets 2011: $41,646,3332011Assets 2012: $435,102,304Liabilities 2012: $386,699,786Net Assets 2012: $48,402,5182012Assets 2013: $474,165,366Liabilities 2013: $420,104,022Net Assets 2013: $54,061,3442013Assets 2014: $516,299,138Liabilities 2014: $453,887,971Net Assets 2014: $62,411,1672014Assets 2015: $544,040,067Liabilities 2015: $474,002,015Net Assets 2015: $70,038,0522015Assets 2016: $567,043,264Liabilities 2016: $489,978,990Net Assets 2016: $77,064,2742016Assets 2017: $620,644,273Liabilities 2017: $535,441,352Net Assets 2017: $85,202,9212017Assets 2018: $827,278,460Liabilities 2018: $720,948,976Net Assets 2018: $106,329,4842018Assets 2019: $851,824,528Liabilities 2019: $735,228,053Net Assets 2019: $116,596,4752019Assets 2020: $946,751,216Liabilities 2020: $817,522,511Net Assets 2020: $129,228,7052020Assets 2021: $1,060,866,226Liabilities 2021: $923,698,336Net Assets 2021: $137,167,8902021Assets 2022: $1,195,741,212Liabilities 2022: $1,070,946,411Net Assets 2022: $124,794,8012022Assets 2023: $1,316,792,423Liabilities 2023: $1,178,863,517Net Assets 2023: $137,928,9062023Assets 2024: $1,327,869,515Liabilities 2024: $1,180,731,607Net Assets 2024: $147,137,9082024

Highlighted filing

2011

Assets$382,579,235
Liabilities$340,932,902
Net Assets$41,646,333

Operations Trend

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

$80M$60M$40M$20M$0Expenses 2010: $20,093,6952010Expenses 2011: $18,794,8352011Expenses 2012: $17,550,2672012Revenue 2013: $25,148,181Expenses 2013: $18,313,278Net Income 2013: $6,834,9032013Revenue 2014: $26,095,516Expenses 2014: $20,158,389Net Income 2014: $5,937,1272014Revenue 2015: $28,720,275Expenses 2015: $21,231,834Net Income 2015: $7,488,4412015Revenue 2016: $28,979,708Expenses 2016: $21,779,515Net Income 2016: $7,200,1932016Revenue 2017: $31,881,327Expenses 2017: $23,711,293Net Income 2017: $8,170,0342017Revenue 2018: $44,840,630Expenses 2018: $37,460,145Net Income 2018: $7,380,4852018Revenue 2019: $47,098,566Expenses 2019: $38,838,200Net Income 2019: $8,260,3662019Revenue 2020: $49,070,121Expenses 2020: $39,663,852Net Income 2020: $9,406,2692020Revenue 2021: $50,434,728Expenses 2021: $37,700,549Net Income 2021: $12,734,1792021Revenue 2022: $51,869,328Expenses 2022: $41,423,974Net Income 2022: $10,445,3542022Revenue 2023: $65,983,287Expenses 2023: $55,394,483Net Income 2023: $10,588,8042023Revenue 2024: $76,733,253Expenses 2024: $68,279,557Net Income 2024: $8,453,6962024

Highlighted filing

2011

Revenue-
Expenses$18,794,835
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Nov 12, 2012
Return Version
2011v1.2
Gross Receipts
$23,277,204
Mission and Program Overview

Mission

To provide individualized financial solutions for or members through competitive products and well-trained and empowered employees.

Major Activities

Activity 2
Providing financial products such as savings and checking accounts, ira accounts, certificates of deposit, consumer loans, home mortgage loans and small business loans to members within our field of membership.
Activity 3
Providing loans to members for provident purposes, thereby helping to stabilize the credit structure of the united states.
Filing and Contact Details

Filer

EIN
45-0226664
Raw XML AppendixShowing 400 of 431 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/Activity3/Description0PROVIDING LOANS TO MEMBERS FOR PROVIDENT PURPOSES, THEREBY HELPING TO STABILIZE THE CREDIT STRUCTURE OF THE UNITED STATES.
IRS990/ActivityOrMissionDescription0FIRST COMMUNITY CREDIT UNION PROMOTES THRIFT AND PROVIDES A SOURCE OF CREDIT FOR ITS MEMBERS.
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IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation0THE CREDIT UNION IS EXEMPT, BY STATUE, FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAD NO UNRECOGNIZED TAX POSITIONS AS OF DECEMBER 31, 2011 AND DECEMBER 31, 2010. THE CREDIT UNION RECOGNIZED NO INTEREST OR PENALTIES ON THE UNDERPAYMENT OF INCOME TAXES DURING THE YEAR ENDED DECEMBER 31, 2011 AND 2010, AND HAD NO ACCRUED INTEREST OR PENALTIES ON THE STATEMENT OF FINANCIAL CONDITION AS OF DECEMBER 31, 2011 AND 2010. THE CREDIT UNION HAS NO TAX POSITIONS FOR WHICH IT IS REASONABLY POSSIBLE THAT THE TOTAL AMOUNTS OF UNRECOGNIZED TAX BENEFITS WILL SIGNIFICANTLY INCREASE DURING THE NEXT TWELVE MONTHS.
IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier0DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:
IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference0PART X:
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IRS990ScheduleO/GeneralExplanation/Explanation0THERE ARE NO CLASSES OF MEMBERS. EVERYONE WHO JOINS THE CREDIT UNION BECOMES A MEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation1ALL MEMBERS MAY VOTE FOR THEIR PREFERRED CANDIDATE(S) FOR THE BOARD OF DIRECTORS. ELECTIONS ARE HELD ANNUALLY TO FILL EXPIRING TERMS.
IRS990ScheduleO/GeneralExplanation/Explanation2BYLAW CHANGES AND MERGER DECISIONS REQUIRE THE APPROVAL OF THE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE COMPLETED FORM 990 IS REVIEWED BY THE ACCOUNTING DEPARTMENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4THE BOARD REVIEWS AND APPROVES CEO COMPENSATION USING AN OUTSIDE COMPENSATION SERVICE AND THE BOARD'S EVALUATION OF THE CEO'S PERFORMANCE. OTHER SENIOR LEVEL EMPLOYEES ARE EVALUATED BY THE CEO, USING AN OUTSIDE COMPENSATION SERVICE AND THE CEO'S EVALUATION OF PERFORMANCE. THE REVIEW PROCESS IS PERFORMED ANNUALLY AND WAS LAST DONE IN DECEMBER OF 2011.
IRS990ScheduleO/GeneralExplanation/Explanation5THE FINANCIAL STATEMENTS AND GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6NET UNREALIZED GAINS ON INVESTMENTS: 21,245. TRANSFER OF REGULAR RESERVES OF PORTLAND CREDIT UNION - ACQUIRED IN 2011 799,525. TRANSFER OF YTD RETAINED EARN. OF PORTLAND CREDIT UNION - ACQUIRED IN 2011 15,195. TOTAL TO FORM 990, PART XI, LINE 5: 835,965.
IRS990ScheduleO/GeneralExplanation/Identifier0CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART XI, LINE 5:
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IRS990ScheduleR/Form990ScheduleRPartIV/EIN0450362535
IRS990ScheduleR/Form990ScheduleRPartIV/LegalDomicileState0ND
IRS990ScheduleR/Form990ScheduleRPartIV/NameOfRelatedOrg/BusinessNameLine10FIRST COMMUNITY SERVICES INC
IRS990ScheduleR/Form990ScheduleRPartIV/PercentageOwnership01.00000
IRS990ScheduleR/Form990ScheduleRPartIV/PrimaryActivity0RE SALES, CONSULTING
IRS990ScheduleR/Form990ScheduleRPartIV/ShareOfEOYAssets01650425
IRS990ScheduleR/Form990ScheduleRPartIV/ShareOfTotalIncome015195
IRS990ScheduleR/Form990ScheduleRPartIV/TypeOfEntity0C
IRS990ScheduleR/GiftGrantOrCapContrFrOtherOrg00
IRS990ScheduleR/GiftGrantOrCapContrToOtherOrg00
IRS990ScheduleR/LoansOrGuaranteesFromOtherOrg00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrg00
IRS990ScheduleR/OtherTransferFromOtherOrg00
IRS990ScheduleR/OtherTransferToOtherOrg00
IRS990ScheduleR/PerformOfServicesByOtherOrgs00
IRS990ScheduleR/PerformOfServicesForOtherOrgs00
IRS990ScheduleR/PurchaseOfAssetsFromOtherOrg00
IRS990ScheduleR/ReceiptOfIntAnnRentsRoyalties00
IRS990ScheduleR/ReimbursementPaidByOtherOrg01
IRS990ScheduleR/ReimbursementPaidToOtherOrg00
IRS990ScheduleR/RentalOfFacilitiesFrOtherOrgs00
IRS990ScheduleR/RentalOfFacilitiesToOtherOrgs00
IRS990ScheduleR/SaleOfAssetsToOtherOrg00
IRS990ScheduleR/SharingOfFacilities00
IRS990ScheduleR/SharingOfPaidEmployees00
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0ND
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10310 10TH ST SE
IRS990/TheBooksAreInCareOf/AddressUS/City0JAMESTOWN
IRS990/TheBooksAreInCareOf/AddressUS/State0ND
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode058401
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10DAVID ROGERS
IRS990/TheBooksAreInCareOf/TelephoneNumber07012520360
IRS990/TotalAssets/BOY0338017767
IRS990/TotalAssetsBOY0338017767
IRS990/TotalAssets/EOY0382579235
IRS990/TotalAssetsEOY0382579235
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear018794835
IRS990/TotalExpensesPriorYear020093695
IRS990/TotalFunctionalExpenses/Total018794835
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI0136138
IRS990/TotalLiabilities/BOY0301689768
IRS990/TotalLiabilitiesBOY0301689768
IRS990/TotalLiabilities/EOY0340932902
IRS990/TotalLiabilitiesEOY0340932902
IRS990/TotalLiabNetAssetsFundBalances/BOY0338017767
IRS990/TotalLiabNetAssetsFundBalances/EOY0382579235
IRS990/TotalNbrEmployees0160
IRS990/TotalNbrVolunteers09
IRS990/TotalNetAssetsFundBalances/BOY036327999
IRS990/TotalNetAssetsFundBalances/EOY041646333
IRS990/TotalOtherCompensation083958
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue022914106
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0406471
IRS990/TotalRevenueCurrentYear023277204

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,328$1,181$147$76.7$68.3$8.45
2023Summary only. Only limited summary data is available for this year.$1,317$1,179$138$66.0$55.4$10.6
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,196$1,071$125$51.9$41.4$10.4
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,061$924$137$50.4$37.7$12.7
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$947$818$129$49.1$39.7$9.41
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$852$735$117$47.1$38.8$8.26
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$827$721$106$44.8$37.5$7.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$621$535$85.2$31.9$23.7$8.17
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$490$77.1$29.0$21.8$7.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$544$474$70.0$28.7$21.2$7.49
2014Detailed filing. Detailed filing data is available for this year.$516$454$62.4$26.1$20.2$5.94
2013Detailed filing. Detailed filing data is available for this year.$474$420$54.1$25.1$18.3$6.83
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$435$387$48.4$17.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$383$341$41.6$18.8
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$338$302$36.3$20.1