Civic Intelligence

Frontier Community Credit Union

990 • Fiscal year 2012 • EIN 48-0663659

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 14, 2013

PO Box 303266027
Siviq Scores

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

Liabilities / Assets

26th percentile

0.87x

Higher debt load relative to assets than 26% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

54th percentile

5.4%

Faster asset growth than 54% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Assets

Up

$109,194,637

Up $5,551,703 (+5.4%) from 2011

Net Assets

Up

$13,990,420

Up $646,164 (+4.8%) from 2011

Liabilities

Up

$95,204,217

Up $4,905,539 (+5.4%) from 2011

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,360,650

Down $2,140 (-0.0%) from 2011

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.

$300M$200M$100M$0Assets 2010: $97,073,021Liabilities 2010: $85,032,520Net Assets 2010: $12,040,5012010Assets 2011: $103,642,934Liabilities 2011: $90,298,678Net Assets 2011: $13,344,2562011Assets 2012: $109,194,637Liabilities 2012: $95,204,217Net Assets 2012: $13,990,4202012Assets 2013: $111,735,658Liabilities 2013: $96,947,305Net Assets 2013: $14,788,3532013Assets 2014: $114,151,911Liabilities 2014: $98,806,183Net Assets 2014: $15,345,7282014Assets 2015: $119,603,251Liabilities 2015: $103,809,019Net Assets 2015: $15,794,2322015Assets 2016: $123,325,809Liabilities 2016: $107,223,603Net Assets 2016: $16,102,2062016Assets 2017: $129,723,812Liabilities 2017: $113,190,334Net Assets 2017: $16,533,4782017Assets 2018: $145,582,615Liabilities 2018: $128,346,608Net Assets 2018: $17,236,0072018Assets 2019: $147,451,567Liabilities 2019: $129,934,117Net Assets 2019: $17,517,4502019Assets 2020: $159,317,595Liabilities 2020: $141,340,396Net Assets 2020: $17,977,1992020Assets 2021: $177,390,013Liabilities 2021: $158,516,428Net Assets 2021: $18,873,5852021Assets 2022: $189,315,193Liabilities 2022: $171,097,252Net Assets 2022: $18,217,9412022Assets 2023: $209,223,552Liabilities 2023: $191,609,932Net Assets 2023: $17,613,6202023Assets 2024: $200,933,366Liabilities 2024: $183,968,289Net Assets 2024: $16,965,0772024

Highlighted filing

2012

Assets$109,194,637
Liabilities$95,204,217
Net Assets$13,990,420

Operations Trend

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

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $4,928,0272010Expenses 2011: $4,362,7902011Expenses 2012: $4,360,6502012Revenue 2013: $4,606,265Expenses 2013: $3,851,946Net Income 2013: $754,3192013Revenue 2014: $4,575,127Expenses 2014: $4,017,752Net Income 2014: $557,3752014Revenue 2015: $4,721,347Expenses 2015: $4,272,843Net Income 2015: $448,5042015Revenue 2016: $5,244,954Expenses 2016: $4,936,980Net Income 2016: $307,9742016Revenue 2017: $6,452,123Expenses 2017: $6,020,851Net Income 2017: $431,2722017Revenue 2018: $7,536,931Expenses 2018: $6,834,402Net Income 2018: $702,5292018Revenue 2019: $8,424,319Expenses 2019: $8,142,876Net Income 2019: $281,4432019Revenue 2020: $8,706,131Expenses 2020: $8,678,369Net Income 2020: $27,7622020Revenue 2021: $9,258,692Expenses 2021: $8,133,954Net Income 2021: $1,124,7382021Revenue 2022: $9,882,689Expenses 2022: $9,293,801Net Income 2022: $588,8882022Revenue 2023: $11,877,062Expenses 2023: $12,523,760Net Income 2023: -$646,6982023Revenue 2024: $14,398,204Expenses 2024: $15,068,673Net Income 2024: -$670,4692024

Highlighted filing

2012

Revenue-
Expenses$4,360,650
Net Income-
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 14, 2013
Return Version
2012v2.1
Gross Receipts
$5,330,693
Mission and Program Overview

Mission

As a member owned financial cooperative, our mission is: to provide financial products and services in a professional, friendly, and convenient atmosphere through innovation, technology, and cost effective products. To encourage and educate our members in methods to manage and control their financial well being. To apply safe and sound financial management policies that insure the credit union's continued growth, by maintaining adequate operating controls, capital reserves, and liquidity at all times.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 5,035 loans outstanding totaling $53,050,047.
Activity 3
Paid dividends on member deposits totaling $615,491 for the year.
Filing and Contact Details

Filer

EIN
48-0663659
Raw XML AppendixShowing 400 of 409 raw XML fields

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IRS990/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 5,035 LOANS OUTSTANDING TOTALING $53,050,047.
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IRS990/ActivityOrMissionDescription0AS A MEMBER OWNED FINANCIAL COOPERATIVE, OUR MISSION IS: TO PROVIDE FINANCIAL PRODUCTS AND SERVICES IN A PROFESSIONAL, FRIENDLY, AND CONVENIENT ATMOSPHERE THROUGH INNOVATION, TECHNOLOGY, AND COST EFFECTIVE PRODUCTS. TO ENCOURAGE AND EDUCATE OUR MEMBERS IN METHODS TO MANAGE AND CONTROL THEIR FINANCIAL WELL BEING. TO APPLY SAFE AND SOUND FINANCIAL MANAGEMENT POLICIES THAT INSURE THE CREDIT UNION'S CONTINUED GROWTH, BY MAINTAINING ADEQUATE OPERATING CONTROLS, CAPITAL RESERVES, AND LIQUIDITY AT ALL TIMES.
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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0FRONTIER CCU UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. THE BOARD OF DIRECTORS USES THIS DATA IN DETERMINING COMPENSATION FOR THE PRESIDENT. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
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IRS990ScheduleO/GeneralExplanation/Explanation0IN 2012, THE CREDIT UNION LAUNCHED A NEW WEBSITE ALLOWING MORE CONVENIENT SECURE LOGIN TO THE INTERNET TELLER AND ALSO ADDED FHA, VA AND USDA MORTGAGE LOAN OPTIONS.
IRS990ScheduleO/GeneralExplanation/Explanation1BOARD CHAIRMAN, JEFFREY PORTER, IS THE STEPSON OF BOARD MEMBER, DONALD HOMAN.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation3THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation4SIGNIFICANT CHANGES SUCH AS MERGERS AND CHANGES TO BYLAWS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation5A 990 QUESTIONNAIRE IS COMPLETED BY THE COMPLIANCE OFFICER, AN INDEPENDENT CPA FIRM PREPARES THE RETURN, AND THE CEO REVIEWS THE RETURN.
IRS990ScheduleO/GeneralExplanation/Explanation6ANNUALLY, EMPLOYEES, OFFICERS AND DIRECTORS SIGN AN AGREEMENT OF UNDERSTANDING OF INSIDER POLICY AND AN EMPLOYEE/VOLUNTEER CONFLICT OF INTEREST STATEMENT THAT REQUIRES DISCLOSURE OF ANY RELATED PARTIES AND POSSIBLE CONFLICTS OF INTEREST. THE SIGNED DOCUMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation7FRONTIER CCU UTILIZES A COMPENSATION SERVICE THAT PROVIDES MARKET SPECIFIC/POSITION SPECIFIC PAY DATA. COMPENSATION FOR OFFICERS AND KEY EMPLOYEES AS WELL AS AN ANNUAL BUDGET IS APPROVED BY THE BOARD OF DIRECTORS. THE BOARD APPROVES ANNUAL PAY INCREASES.
IRS990ScheduleO/GeneralExplanation/Explanation8FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION 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/GeneralExplanation/Identifier0NEW PROGRAM SERVICES
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART III, LINE 2
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 2
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART VI, SECTION C, LINE 19
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IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices01
IRS990/StateLegalDomicile0KS
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10690 EISENHOWER ROAD
IRS990/TheBooksAreInCareOf/AddressUS/City0LEAVENWORTH
IRS990/TheBooksAreInCareOf/AddressUS/State0KS
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode066048
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10WILLIAM HAUBER
IRS990/TheBooksAreInCareOf/TelephoneNumber09136516575
IRS990/TotalAssets/BOY0103642934
IRS990/TotalAssetsBOY0103642934
IRS990/TotalAssets/EOY0109194637
IRS990/TotalAssetsEOY0109194637
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear04360650
IRS990/TotalExpensesPriorYear04362790
IRS990/TotalFunctionalExpenses/Total04360650
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI058908
IRS990/TotalLiabilities/BOY090298678
IRS990/TotalLiabilitiesBOY090298678
IRS990/TotalLiabilities/EOY095204217
IRS990/TotalLiabilitiesEOY095204217
IRS990/TotalLiabNetAssetsFundBalances/BOY0103642934
IRS990/TotalLiabNetAssetsFundBalances/EOY0109194637
IRS990/TotalNbrEmployees045
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY013344256
IRS990/TotalNetAssetsFundBalances/EOY013990420
IRS990/TotalOtherCompensation021312
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue04517550
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0301244
IRS990/TotalRevenueCurrentYear05006814
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear05666545
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome04947906
IRS990/TotalRevenue/TotalRevenueColumn05006814
IRS990/TotalRevenue/UnrelatedBusinessRevenue058908
IRS990/Travel/Total016742
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.FRONTIERCCU.COOP
IRS990/WhistleblowerPolicy01
IRS990/WrittenPolicyOrProcedure01
IRS990/YearFormation01954
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0480663659
ReturnHeader/Filer/Name/BusinessNameLine10FRONTIER COMMUNITY CREDIT UNION
ReturnHeader/Filer/NameControl0FRON
ReturnHeader/Filer/Phone09136516575
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 3032
ReturnHeader/Filer/USAddress/City0FT LEAVENWORTH
ReturnHeader/Filer/USAddress/State0KS
ReturnHeader/Filer/USAddress/ZIPCode066027
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-11-14
ReturnHeader/Officer/Name0WILLIAM HAUBER
ReturnHeader/Officer/Phone09136516575
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/PreparerFirm/EIN0431592217
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1011272 S RIDGEVIEW RD

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$201$184$17.0$14.4$15.1$0.67
2023Detailed filing. Detailed filing data is available for this year.$209$192$17.6$11.9$12.5$0.65
2022Detailed filing. Detailed filing data is available for this year.$189$171$18.2$9.88$9.29$0.59
2021Detailed filing. Detailed filing data is available for this year.$177$159$18.9$9.26$8.13$1.12
2020Detailed filing. Detailed filing data is available for this year.$159$141$18.0$8.71$8.68$0.03
2019Detailed filing. Detailed filing data is available for this year.$147$130$17.5$8.42$8.14$0.28
2018Detailed filing. Detailed filing data is available for this year.$146$128$17.2$7.54$6.83$0.70
2017Detailed filing. Detailed filing data is available for this year.$130$113$16.5$6.45$6.02$0.43
2016Detailed filing. Detailed filing data is available for this year.$123$107$16.1$5.24$4.94$0.31
2015Detailed filing. Detailed filing data is available for this year.$120$104$15.8$4.72$4.27$0.45
2014Detailed filing. Detailed filing data is available for this year.$114$98.8$15.3$4.58$4.02$0.56
2013Detailed filing. Detailed filing data is available for this year.$112$96.9$14.8$4.61$3.85$0.75
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$109$95.2$14.0$4.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$90.3$13.3$4.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.1$85.0$12.0$4.93