Liabilities / Assets
37th percentile
Higher debt load relative to assets than 37% of similar nonprofits.
State Chartered Credit Unions in Florida
990 • Fiscal year 2016 • EIN 59-0642953
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.88x
Liabilities / Revenue
74th percentile
Higher debt load relative to revenue than 74% of similar nonprofits.
Net Margin
25th percentile
Higher net margin than 25% of similar nonprofits.
Top Officer Pay
57th percentile
Higher top officer pay than 57% of similar nonprofits.
Top officer pay equals 4.6% of source-year revenue.
Asset Growth
24th percentile
Faster asset growth than 24% of similar nonprofits.
Revenue Growth
20th percentile
Faster revenue growth than 20% of similar nonprofits.
Balance Sheet
Assets
Up$110,295,145
Up $1,581,756 (+1.5%) from 2015
Net Assets
Up$12,702,152
Up $245,794 (+2.0%) from 2015
Liabilities
Up$97,592,993
Up $1,335,962 (+1.4%) from 2015
Revenue And Expenses
Revenue
Up$4,657,849
Up $40,377 (+0.9%) from 2015
Expenses
Up$4,412,055
Up $262,955 (+6.3%) from 2015
Net Income
Down$245,794
Down $222,578 (-48%) from 2015
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2016 to Dec 31, 2016
- Signed
- Oct 15, 2017
- Return Version
- 2016v3.0
- Gross Receipts
- $4,675,045
Mission and Program Overview
Mission
Delivering dreams through simplified financial services.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $40,394,596 | $41,913,706 | ▲ $1,519,110 |
| Investments Other Securities | $36,230,976 | $33,578,976 | ▼ $2,652,000 |
| Savings and Temporary Cash Investments | $20,844,822 | $22,671,022 | ▲ $1,826,200 |
| Rtn Earn Endowment Incm Other Fnds | $12,456,358 | $12,702,152 | ▲ $245,794 |
| Investments in Publicly Traded Securities | $2,750,000 | $3,250,000 | ▲ $500,000 |
| Land, Buildings, and Equipment, Net | $2,880,741 | $2,853,167 | ▼ $27,574 |
| Cash and Non-Interest-Bearing Accounts | $1,885,444 | $2,195,509 | ▲ $310,065 |
| Intangible Assets | $2,029,276 | $1,987,172 | ▼ $42,104 |
| Prepaid Expenses and Deferred Charges | $136,221 | $154,936 | ▲ $18,715 |
| Accounts Receivable | $227,966 | $30,397 | ▼ $197,569 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $108,713,389 | $110,295,145 | ▲ $1,581,756 |
| Other Assets Total | $1,333,347 | $1,660,260 | ▲ $326,913 |
| Liabilities | |||
| Other Liabilities | $95,441,043 | $96,265,341 | ▲ $824,298 |
| Accounts Payable and Accrued Expenses | $815,988 | $1,327,652 | ▲ $511,664 |
| Total Liabilities | $96,257,031 | $97,592,993 | ▲ $1,335,962 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,456,358 | $12,702,152 | ▲ $245,794 |
| Total Liabilities and Net Assets / Fund Balance | $108,713,389 | $110,295,145 | ▲ $1,581,756 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $2,352,848 | $1,350,615 | $3,703,463 |
| Equipment | $230,382 | $1,786,659 | $2,017,041 |
| Land | $269,937 | - | $269,937 |
| Other Land Buildings | $0 | - | - |
| Other Securities | $884,976 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Gretchen Lunsford | CEO | FT | $182,056 | $32,849 | $214,905 |
| Sandra Prevatt | Evp Operations | FT | $125,213 | $30,637 | $155,850 |
Board Members and Trustees
| Name | Title |
|---|---|
| James Norwood Jr | Chairman |
| Rudy Howard | Vice Chairman |
| Matt Reynolds | Audit Committee |
| Betty Poteet | Bod Member |
| Linda Osborne | Bod Member |
| Martha Singleton | Bod Member |
| Candy Rigdon | Secretary |
| Cathy Merritt | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Jack Henry | Software Support & Data Processing | PO BOX 65708, Monett, MO 65708 | $412,882 |
| Wescom Resources Group LLC | Data Processing | 5601 E LA PALMA AVE, Anaheim, CA 92807 | $200,108 |
| Krg Palm Coast Landing LLC | Land Lease & Taxes | 15961 COLLECTIONS CENTER DRIVE, Chicago, IL 60693 | $127,668 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $3,965,988
- Investment Income
- $691,861
- Other Revenue
- $0
- Change in Net Assets
- $245,794
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $4,647,043
- Revenue Not Reported on Financial Statements
- $10,806
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $10,806
- Total Revenue per Audited Statements
- $4,647,043
- Total Revenue per Form 990
- $4,657,849
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $2,534,889 |
| Salaries, Compensation, and Employee Benefits | $1,877,166 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Comp Disqual Persons | - | - | - | $1,017,001 |
| Fees for Services Accounting | - | - | - | $373,098 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $370,755 |
| Office Expenses | - | - | - | $303,982 |
| Other Employee Benefits | - | - | - | $295,667 |
| Interest | - | - | - | $274,706 |
| Information Technology | - | - | - | $255,591 |
| Occupancy | - | - | - | $232,733 |
| Depreciation Depletion | - | - | - | $190,596 |
| Payroll Taxes | - | - | - | $98,606 |
| Pension Plan Contributions | - | - | - | $95,137 |
| Insurance | - | - | - | $72,959 |
| Advertising | - | - | - | $69,584 |
| Other Expenses | - | - | - | $63,226 |
| All Other Expenses | - | - | - | $18,095 |
| Fees for Services Legal | - | - | - | $15,255 |
| Travel | - | - | - | $13,538 |
| Fees for Services Other | - | - | - | $3,039 |
| Total Functional Expenses | $0 | $0 | $0 | $4,412,055 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $4,412,055 |
| Total Expenses per Form 990 | $4,412,055 |
| Total Expenses per Audited Statements | $4,401,249 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $-10,806 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits - Shares | $45,774,184 |
| Member Deposits - Checking | $17,306,806 |
| Member Deposits - Certificate of Deposit | $13,486,906 |
| Member Deposits - Money Market | $6,127,099 |
| Member Deposits - Ira | $5,473,578 |
| Member Deposits - Ira Certificates | $5,287,905 |
| Member Deposits - Other | $2,808,863 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- 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
- Yes
- 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 has members.”
Form 990, Part VI, Section A, Line 7A
“The membership can vote on board seats if a board member is not sat by acclamation.”
Form 990, Part VI, Section A, Line 7B
“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”
Form 990, Part VI, Section B, Line 11B
“Initial review of the form 990 is done by sandra prevatt, evp operations. It is then submitted to the ceo, gretchen lunsford, for final review and approval.”
Form 990, Part VI, Section B, Line 12C
“The executive vp of operations, under the direction of the president/ceo monitors compliance with the conflict of interest policy for first coast community credit union. This includes vendor management, employee training and monitoring of employee transactions. All new employees are given a conflict of interest policy as part of the code of conduct.”
Form 990, Part VI, Section B, Line 15
“The compensation of the ceo is subject to a board review annually and is based on an executive compensation survey from an independent third party. The salaries of other officers and employees are determined by utilizing the cuna mutual group salary survey based on credit union asset size.”
Form 990, Part VI, Section C, Line 19
“The credit union's governing documents and conflict of interest policy are not made available to the public. Financial statements are made available on the ncua's website via the 5300 filing.”
Filing and Contact Details
Filer
- Filer Name
- First Coast Community Credit Union
- EIN
- 59-0642953
- Phone
- 3863285555
- Address
- 306 S PALM AVENUE, PALATKA, FL 32177
Signing Officer
- Name
- Gretchen Lunsford
- Title
- CEO
- Phone
- 3863285555
- Signed
- 2017-10-15
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Gretchen Lunsford
- Formed
- 1948
- Legal Domicile
- Fl
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 36
- Volunteers
- 8
Preparer
- Firm
- Doeren Mayhew
- Address
- 12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
- Preparer
- Douglas J Orth
- Phone
- 3052328272
Supplemental Narrative
Additional Explanations
Form 990, Part IX, Line 24E
“Ncua premium assessments 13,834. Property and equipment rental 4,261.”
FORM 990, PART XII, LINE 2C:
“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”
Financial Statement Notes
PART X, LINE 2:
“The credit union is exempt from most federal, state, and local taxes under the provisions of the internal revenue code and state tax laws. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). Ubi may also be subject to tax in certain states. Management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain tax positions. Currently, the 2015, 2014, and 2013 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”
PART XI, LINE 4B - OTHER ADJUSTMENTS:
“Gain on oreo sales netted against other losses and reported as net expense within audited financial statements”
PART XII, LINE 2D - OTHER ADJUSTMENTS:
“Gain on oreo sales netted against other losses and reported as net expense within audited financial statements”
Raw XML AppendixShowing 400 of 486 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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|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1327652 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 227966 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 30397 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 69584 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 18095 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
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| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | GRETCHEN LUNSFORD |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3863285555 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 306 SOUTH PALM AVENUE |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | PALATKA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 32177 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
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| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 2195509 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
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| IRS990/CollectionsOfArtInd | 0 | 0 |
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| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 1017001 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
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| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 200108 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 127668 |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 5601 E LA PALMA AVE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 15961 COLLECTIONS CENTER DRIVE |
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| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | DATA PROCESSING |
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| IRS990/Desc | 0 | INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOD MEMBER |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | EVP OPERATIONS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1948 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 10806 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 28002 |
| IRS990/GrossReceiptsAmt | 0 | 4675045 |
| IRS990/GroupExemptionNum | 0 | 2106 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 255591 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 72959 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 2029276 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 1987172 |
| IRS990/InterestGrp/TotalAmt | 0 | 274706 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 681055 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 681055 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 36230976 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 33578976 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 2750000 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 3250000 |
| IRS990/IRPDocumentCnt | 0 | 2024 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3137274 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2880741 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2853167 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 5990441 |
| IRS990/LegalDomicileStateCd | 0 | FL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 17196 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 12456358 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12702152 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 10806 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 10806 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -23397 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 232733 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 303982 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1333347 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1660260 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 295667 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | MAINTENANCE AND REPAIRS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 270601 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 210697 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 167189 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 63226 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 95441043 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 96265341 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 40394596 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 41913706 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 98606 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 95137 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 136221 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 154936 |
| IRS990/PrincipalOfficerNm | 0 | GRETCHEN LUNSFORD |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INCOME FROM LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES/CHARGES/OTHER |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | UNRELATED BUSINESS INC |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2683387 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1260059 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2683387 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1260059 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 22542 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 22542 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 513377 |
| IRS990/PYOtherExpensesAmt | 0 | 2419131 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4104095 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 468372 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1729969 |
| IRS990/PYTotalExpensesAmt | 0 | 4149100 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 4617472 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 245794 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 1 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12456358 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 12702152 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 20844822 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 22671022 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 2352848 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1350615 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3703463 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 230382 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1786659 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2017041 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | -10806 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 4412055 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 269937 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 269937 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | -10806 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 45774184 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 17306806 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 6127099 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 5473578 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 13486906 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 5287905 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 6 | 2808863 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS - SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | MEMBER DEPOSITS - CHECKING |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MEMBER DEPOSITS - MONEY MARKET |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | MEMBER DEPOSITS - IRA |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | MEMBER DEPOSITS - CERTIFICATE OF DEPOSIT |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | MEMBER DEPOSITS - IRA CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 6 | MEMBER DEPOSITS - OTHER |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 10806 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 32694000 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 884976 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CORPORATE ONE PCC PARTNER |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 10806 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 4647043 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2015, 2014, AND 2013 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | GAIN ON OREO SALES NETTED AGAINST OTHER LOSSES AND REPORTED AS NET EXPENSE WITHIN AUDITED FINANCIAL STATEMENTS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | GAIN ON OREO SALES NETTED AGAINST OTHER LOSSES AND REPORTED AS NET EXPENSE WITHIN AUDITED FINANCIAL STATEMENTS |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART XI, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | PART XII, LINE 2D - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2853167 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 33578976 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 4412055 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 96265341 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 4657849 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 4647043 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 4401249 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 182056 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 125213 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 17416 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 15447 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 15433 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 15190 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | GRETCHEN LUNSFORD |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | SANDRA PREVATT |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 1 | EVP OPERATIONS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 214905 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 1 | 155850 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenEmploymentContractInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBERSHIP CAN VOTE ON BOARD SEATS IF A BOARD MEMBER IS NOT SAT BY ACCLAMATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | INITIAL REVIEW OF THE FORM 990 IS DONE BY SANDRA PREVATT, EVP OPERATIONS. IT IS THEN SUBMITTED TO THE CEO, GRETCHEN LUNSFORD, FOR FINAL REVIEW AND APPROVAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE EXECUTIVE VP OF OPERATIONS, UNDER THE DIRECTION OF THE PRESIDENT/CEO MONITORS COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY FOR FIRST COAST COMMUNITY CREDIT UNION. THIS INCLUDES VENDOR MANAGEMENT, EMPLOYEE TRAINING AND MONITORING OF EMPLOYEE TRANSACTIONS. ALL NEW EMPLOYEES ARE GIVEN A CONFLICT OF INTEREST POLICY AS PART OF THE CODE OF CONDUCT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE COMPENSATION OF THE CEO IS SUBJECT TO A BOARD REVIEW ANNUALLY AND IS BASED ON AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY. THE SALARIES OF OTHER OFFICERS AND EMPLOYEES ARE DETERMINED BY UTILIZING THE CUNA MUTUAL GROUP SALARY SURVEY BASED ON CREDIT UNION ASSET SIZE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE ON THE NCUA'S WEBSITE VIA THE 5300 FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | NCUA PREMIUM ASSESSMENTS 13,834. PROPERTY AND EQUIPMENT RENTAL 4,261. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
Document Assets
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Filings
Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $110,295,145
- Liabilities
- $97,592,993
- Net assets
- $12,702,152
- Revenue
- $4,657,849
- Expenses
- $4,412,055
- Net income
- $245,794