Civic Intelligence

First Commerce Credit Union

990 • Fiscal year 2018 • EIN 59-0687423

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

Organization ProfileWWW.FIRSTCOMMERCECU.ORG

View Organization Page

2073 Summit Lake Drive No 100Tallahassee, FL 32317

(800) 533-5772

Siviq Scores

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

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

26th percentile

14.71x

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

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

27th percentile

11%

Higher net margin than 27% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

65th percentile

$460,133

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

78th percentile

7.7%

Faster asset growth than 78% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

42nd percentile

9.4%

Faster revenue growth than 42% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$606,327,093

Up $43,488,686 (+7.7%) from 2017

Net Assets

Up

$69,650,245

Up $3,341,074 (+5.0%) from 2017

Liabilities

Up

$536,676,848

Up $40,147,612 (+8.1%) from 2017

Revenue And Expenses
Liabilities / Revenue26th percentileNet Margin27th percentile

Revenue

Up

$36,489,769

Up $3,126,439 (+9.4%) from 2017

Expenses

Up

$32,657,054

Up $3,239,148 (+11%) from 2017

Net Income

Down

$3,832,715

Down $112,709 (-2.9%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $332,506,216Liabilities 2010: $290,217,736Net Assets 2010: $42,288,4802010Assets 2011: $349,618,896Liabilities 2011: $305,005,445Net Assets 2011: $44,613,4512011Assets 2012: $354,673,140Liabilities 2012: $308,597,528Net Assets 2012: $46,075,6122012Assets 2013: $384,271,252Liabilities 2013: $335,395,283Net Assets 2013: $48,875,9692013Assets 2014: $435,709,840Liabilities 2014: $380,785,954Net Assets 2014: $54,923,8862014Assets 2015: $481,046,471Liabilities 2015: $421,967,094Net Assets 2015: $59,079,3772015Assets 2016: $512,717,232Liabilities 2016: $450,245,401Net Assets 2016: $62,471,8312016Assets 2017: $562,838,407Liabilities 2017: $496,529,236Net Assets 2017: $66,309,1712017Assets 2018: $606,327,093Liabilities 2018: $536,676,848Net Assets 2018: $69,650,2452018Assets 2019: $615,519,411Liabilities 2019: $540,670,655Net Assets 2019: $74,848,7562019Assets 2020: $919,350,223Liabilities 2020: $841,159,673Net Assets 2020: $78,190,5502020Assets 2021: $972,658,522Liabilities 2021: $889,433,748Net Assets 2021: $83,224,7742021Assets 2022: $1,014,264,212Liabilities 2022: $942,949,692Net Assets 2022: $71,314,5202022Assets 2023: $1,069,625,273Liabilities 2023: $992,291,738Net Assets 2023: $77,333,5352023Assets 2024: $1,096,207,913Liabilities 2024: $1,013,859,315Net Assets 2024: $82,348,5982024

Highlighted filing

2018

Assets$606,327,093
Liabilities$536,676,848
Net Assets$69,650,245
Open 2018 Filing

Operations Trend

Revenue Growth42nd percentile

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

$80M$60M$40M$20M$0Expenses 2010: $27,578,9052010Revenue 2011: $27,148,084Expenses 2011: $24,766,674Net Income 2011: $2,381,4102011Revenue 2012: $27,169,851Expenses 2012: $25,806,016Net Income 2012: $1,363,8352012Revenue 2013: $27,052,884Expenses 2013: $24,113,988Net Income 2013: $2,938,8962013Revenue 2014: $28,904,782Expenses 2014: $22,884,761Net Income 2014: $6,020,0212014Revenue 2015: $29,191,947Expenses 2015: $25,035,168Net Income 2015: $4,156,7792015Revenue 2016: $29,823,726Expenses 2016: $26,301,448Net Income 2016: $3,522,2782016Revenue 2017: $33,363,330Expenses 2017: $29,417,906Net Income 2017: $3,945,4242017Revenue 2018: $36,489,769Expenses 2018: $32,657,054Net Income 2018: $3,832,7152018Revenue 2019: $39,613,609Expenses 2019: $35,355,027Net Income 2019: $4,258,5822019Revenue 2020: $47,845,792Expenses 2020: $44,728,914Net Income 2020: $3,116,8782020Revenue 2021: $46,857,921Expenses 2021: $39,411,572Net Income 2021: $7,446,3492021Revenue 2022: $49,452,473Expenses 2022: $41,095,263Net Income 2022: $8,357,2102022Revenue 2023: $60,956,938Expenses 2023: $55,069,957Net Income 2023: $5,886,9812023Revenue 2024: $70,159,818Expenses 2024: $65,081,415Net Income 2024: $5,078,4032024

Highlighted filing

2018

Revenue$36,489,769
Expenses$32,657,054
Net Income$3,832,715
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$36,608,159
Mission and Program Overview

Mission

To be our members' financial partners for life.

To provide services and education to members in the framework of a financial cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$397,447,344$433,674,104▲ $36,226,760
Savings and Temporary Cash Investments$41,309,139$69,932,726▲ $28,623,587
Rtn Earn Endowment Incm Other Fnds$66,309,171$69,650,245▲ $3,341,074
Land, Buildings, and Equipment, Net$34,426,332$36,648,720▲ $2,222,388
Investments in Publicly Traded Securities$27,182,354$34,111,779▲ $6,929,425
Cash and Non-Interest-Bearing Accounts$12,085,342$15,395,279▲ $3,309,937
Investments Other Securities$37,447,063$2,009,729▼ $35,437,334
Receivables From Officers Etc$1,717,511$1,866,244▲ $148,733
Prepaid Expenses and Deferred Charges$1,066,963$1,161,839▲ $94,876
Accounts Receivable$370,825$348,398▼ $22,427
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$562,838,407$606,327,093▲ $43,488,686
Other Assets Total$9,785,534$11,178,275▲ $1,392,741
Liabilities
Other Liabilities$426,919,023$495,150,942▲ $68,231,919
Mortgage Notes Payable Secured by Investment Property$58,804,762$31,519,047▼ $27,285,715
Accounts Payable and Accrued Expenses$10,401,121$9,690,488▼ $710,633
Escrow Account Liability$404,330$316,371▼ $87,959
Total Liabilities$496,529,236$536,676,848▲ $40,147,612
Net Assets / Fund Balance
Total Net Assets Fund Balance$66,309,171$69,650,245▲ $3,341,074
Total Liabilities and Net Assets / Fund Balance$562,838,407$606,327,093▲ $43,488,686

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$25,152,056$7,972,965$33,125,021
Equipment$2,615,357$8,353,364$10,968,721
Land$8,739,688-$8,739,688
Leasehold Improvements$141,619$789,671$931,290
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cecilia HomisonCEOFT$340,023$120,110$460,133
Mary EstesExecutive Vice PresidentFT$212,163$145,855$358,018
Dennis G AdamsEvp/CFOFT$207,498$55,071$262,569
Jeff AskinsSVP/lpl Financial PlannerFT$93,671$150,111$243,782
Donna Carson UtechtVP of PeopleFT$141,584$33,651$175,235
Donald PeaksSVP/CXOFT$150,183$16,815$166,998
Kimberly HowesVP of MarketingFT$135,586$30,253$165,839
Wilma WootenControllerFT$133,411$10,095$143,506
Christopher FoxDirector of ItFT$120,215$19,142$139,357
Janice SheffieldChief of StaffFT$122,358$16,054$138,412
Michael AndersonProgram Development ManagerFT$109,457$5,465$114,922

Board Members and Trustees

NameTitle
Jerry OsteryoungBod Chairman
Canita PetersonBod Director/vice Chairman
Casey StoutamireBod Director
John GraysonBod Director
Mike GomezBod Director
Alan NeubauerBod Secretary
Kathy ArrantBod Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Mad Dog Design ConstructionConstruction1203 MICCOSUKEE RD, Tallahassee, FL 32308$1,885,182
FiservData Processing/home BankingPO BOX 60000, San Francisco, CA 94160$1,555,609
Ncr CorporationTechnology Services14181 COLLECTIONS CTR DR, Chicago, IL 60693$565,640
Q2 Software INCHome BankingP O BOX 205970, Dallas, TX 75320$492,283
Jack Henry And Associates INCCore ProcessorPO BOX 609, Monett, MO 65708$484,919
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$31,995,726
Investment Income
$1,923,780
Other Revenue
$2,570,263
Change in Net Assets
$3,832,715

Audited Revenue Reconciliation

Revenue per Audited Statements
$36,489,769
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$36,489,769
Total Revenue per Form 990
$36,489,769
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,371,298
Salaries, Compensation, and Employee Benefits$11,247,756
Grants and Similar Amounts Paid$38,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,254,703
Interest---$4,149,126
Depreciation Depletion---$1,810,763
Current Officers, Directors, Trustees, and Key Employees---$1,588,792
Other Employee Benefits---$1,454,540
Office Expenses---$1,362,700
Other Expenses---$1,295,392
Advertising---$1,225,005
All Other Expenses---$1,172,076
Occupancy---$1,030,411
Fees for Services Other---$907,298
Payroll Taxes---$612,146
Information Technology---$350,564
Pension Plan Contributions---$337,575
Fees for Services Management---$259,127
Fees for Services Accounting---$217,661
Insurance---$193,042
Travel---$123,201
Fees for Services Legal---$113,468
Payments to Affiliates---$68,213
Conferences and Meetings---$44,850
Grants to Domestic Orgs---$38,000
Total Functional Expenses$0$0$0$32,657,054

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$32,657,054
Total Expenses per Audited Statements$32,657,054
Total Expenses per Form 990$32,657,054
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Fccu Foundation IncTallahassee, FL501(c)(3)To Further Financial Education of the Community$38,000
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$12,000
Total Exempt Function Spending$12,000

Section 527 Organizations

OrganizationLocationAmount
59-0246163Tallahassee, FL$12,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,717,511$1,866,244▲ $148,733
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates$174,188,768
Share Drafts$116,404,060
Shares$104,600,917
Money Market$86,597,968
Ira Shares$13,359,229
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
Yes
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. The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union have the right to approve the governing body's election and removal of members of the credit union as they occur.”

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 the members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The accounting department does verify and tie out the figures to the financial statements.”

Form 990, Part VI, Section B, Line 12C

“The external auditors perform an audit of employee accounts and their respective financial and general ledger transactions on a quarterly basis to monitor and verify that there are no transactions performed by the employee and/or on their respective account that are improper and/or conflict with their job responsibilities.”

Form 990, Part VI, Section B, Line 15

“A minimum of once a year, comparable compensation data is researched using multiple resources including compdatasurveys (banking and finance), cues surveys and cuna surveys. Using the ten point factors, all positions are evaluated for both internal and external equity to determine the appropriate salary range. This range is approved by the ceo and reviewed by the board of directors.”

Form 990, Part VI, Section C, Line 19

“Conflicts of interest policies are not publicly published. Quarterly financials are published at the entrance of each of the branch offices, the call report is filed quarterly which is public information and our annual report is available to all members which contains financials. If requested, by-laws would be made available for viewing at the administrative offices.”

Filing and Contact Details

Filer

Filer Name
First Commerce Credit Union
EIN
59-0687423
Phone
8005335772
Address
2073 SUMMIT LAKE DRIVE NO 100, TALLAHASSEE, FL 32317

Signing Officer

Name
Dennis G Adams
Title
Evp/CFO
Phone
8005335772
Signed
2019-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Cecilia Homison
Formed
1940
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
217
Volunteers
12

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

“Bill pay/mobile banking 512,704. Atm expenses 215,865. Oreo 135,670. Education/training 120,371. Miscellaneous 115,129. Government affairs/events 72,337.”

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 IV, LINE 2B:

“As a loan servicer, the credit union receives principal payments, interest payments, tax payments and insurance payments and then remits these funds to the applicable third parties on behalf of the borrowers.”

PART X, LINE 2:

“The credit union is exempt from most federal and state income taxes; however, the credit union's wholly owned cuso is subject to federal and state income taxes. The income taxes topic of the financial accounting standards board (fasb) accounting standards codification (asc) clarifies accounting for uncertainty in income taxes reported in the consolidated 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. 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 consolidated financial statements. Additionally, no interest and penalties have been recorded in the accompanying consolidated financial statements related to uncertain tax positions. Currently, the 2017, 2016, and 2015 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be different than the years open for examination by the irs.”

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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/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1111796
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IRS990/Form990PartVIISectionAGrp/PersonNm0JERRY OSTERYOUNG
IRS990/Form990PartVIISectionAGrp/PersonNm1MIKE GOMEZ
IRS990/Form990PartVIISectionAGrp/PersonNm2ALAN NEUBAUER
IRS990/Form990PartVIISectionAGrp/PersonNm3CANITA PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm4KATHY ARRANT
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN GRAYSON
IRS990/Form990PartVIISectionAGrp/PersonNm6CASEY STOUTAMIRE
IRS990/Form990PartVIISectionAGrp/PersonNm7CECILIA HOMISON
IRS990/Form990PartVIISectionAGrp/PersonNm8DENNIS G ADAMS
IRS990/Form990PartVIISectionAGrp/PersonNm9MARY ESTES
IRS990/Form990PartVIISectionAGrp/PersonNm10DONALD PEAKS
IRS990/Form990PartVIISectionAGrp/PersonNm11KIMBERLY HOWES
IRS990/Form990PartVIISectionAGrp/PersonNm12DONNA CARSON UTECHT
IRS990/Form990PartVIISectionAGrp/PersonNm13JANICE SHEFFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm14JEFF ASKINS
IRS990/Form990PartVIISectionAGrp/PersonNm15WILMA WOOTEN
IRS990/Form990PartVIISectionAGrp/PersonNm16CHRISTOPHER FOX
IRS990/Form990PartVIISectionAGrp/PersonNm17MICHAEL ANDERSON
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOD CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD DIRECTOR/VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EXECUTIVE VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10SVP/CXO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF PEOPLE
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF OF STAFF
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP/LPL FINANCIAL PLANNER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt17PROGRAM DEVELOPMENT MANAGER
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IRS990/GrossReceiptsAmt036608159
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IRS990/InsuranceGrp/TotalAmt0193042
IRS990/InterestGrp/TotalAmt04149126
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02009729
IRS990/InvestmentsPubTradedSecGrp/BOYAmt027182354
IRS990/InvestmentsPubTradedSecGrp/EOYAmt034111779
IRS990/IRPDocumentCnt010203
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IRS990/LandBldgEquipCostOrOtherBssAmt053764720
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IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0118390
IRS990/LessRentalExpensesGrp/RealAmt00
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE OUR MEMBERS' FINANCIAL PARTNERS FOR LIFE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt031519047
IRS990/NetAssetsOrFundBalancesBOYAmt066309171
IRS990/NetAssetsOrFundBalancesEOYAmt069650245
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt09364
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt09364
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0985877
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0985877
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-491641
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01030411
IRS990/OfficeExpensesGrp/TotalAmt01362700
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09785534
IRS990/OtherAssetsTotalGrp/EOYAmt011178275
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01454540
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT CARD FEES AND REB
IRS990/OtherExpensesGrp/Desc2MAINTENANCE/RENTAL/REPA
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt03379030
IRS990/OtherExpensesGrp/TotalAmt12204081
IRS990/OtherExpensesGrp/TotalAmt21465290
IRS990/OtherExpensesGrp/TotalAmt31295392
IRS990/OtherLiabilitiesGrp/BOYAmt0426919023
IRS990/OtherLiabilitiesGrp/EOYAmt0495150942
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IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/Desc1MORTGAGE COMMISSION FEES
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1271907
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01312479
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1271907
IRS990/OtherRevenueTotalAmt01584386
IRS990/OtherSalariesAndWagesGrp/TotalAmt07254703
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0397447344
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0433674104
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IRS990/PaymentsToAffiliatesGrp/TotalAmt068213
IRS990/PayrollTaxesGrp/TotalAmt0612146
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0337575
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01066963
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01161839
IRS990/PrincipalOfficerNm0CECILIA HOMISON
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IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND SERVICES
IRS990/ProgramServiceRevenueGrp/Desc2NON MEMBER ATMS
IRS990/ProgramServiceRevenueGrp/Desc3WARRANTY SALES INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19793017
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt022014856
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19793017
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2112326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt375527
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0112326
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt175527
IRS990/ProgSrvcAccomActy2Grp/Desc0BUSINESS SERVICES PROGRAM - FIRST COMMERCE CREDIT UNION HAS BEEN AN INNOVATOR IN THE DELIVERY OF SERVICES TO ITS MEMBERS. FCCU HAS ADAPTED TO A CHANGING WORLD WHILE REMAINING FOCUSED ON THE MISSION TO BE "PEOPLE HELPING PEOPLE AND BUILDING A TRUSTED FINANCIAL INSTITUTION THAT NOW HAS TWELVE BRANCHES AND OVER 56,000 MEMBERS. TODAY, IN ADDITION TO PROVIDING SERVICES FOR THE VARIED FINANCIAL NEEDS OF INDIVIDUAL MEMBERS, FCCU OFFERS IBIZ, A BUSINESS SERVICES PROGRAM, WITH A NEW AND EXCITING LINE OF SERVICES FOR BUSINESSES OF ALL SIZES. IBIZ INCLUDES FREE AND INTEREST-BEARING CHECKING OPTIONS, MERCHANT SERVICES, BUSINESS LENDING, AND BUSINESS CREDIT CARDS.
IRS990/ProgSrvcAccomActy3Grp/Desc0FIRST COMMERCE OFFERS A WIDE ARRAY OF ELECTRONIC SERVICES TO MEMBERS. MORE THAN 30,000 MEMBERS UTILIZE IBRANCH! ONLINE BANKING TO KEEP TRACK OF THEIR ACCOUNTS, MAKE TRANSFERS, AND PAY BILLS. FCCU'S BILL PAY OFFERS RUSH PAYMENTS WHICH INCLUDE NEXT BUSINESS DAY CHECK OPTIONS TO GIVE MEMBERS FLEXIBILITY IN HOW THEY MAKE THEIR PAYMENTS. PERSON-TO-PERSON PAYMENTS (P2P) AND MEMBER -TO-MEMBER (M2M) TRANSFERS, LOCATED WITHIN ONLINE BANKING UNDER THE TRANSACTIONS MENU, WHICH GIVES MEMBERS CONVENIENT OPTIONS IN MOVING THEIR MONEY. ABOUT HALF OF OUR ACTIVE ONLINE BANKING USERS HAVE ENROLLED IN IBRANCHMOBILE!. FCCU ALSO PRESENTS MEMBERS AND NON-MEMBERS WITH OPTIONS TO OPEN AN ACCOUNT, APPLY FOR AUTO OR PERSONAL LOANS, AND APPLY FOR A MORTGAGE ONLINE. ENSENTA MOBILE DEPOSIT SERVES MORE THAN 6,489 MEMBERS WHO DEPOSIT OVER $19 MILLION EACH YEAR.
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IRS990/PYOtherRevenueAmt03103718
IRS990/PYProgramServiceRevenueAmt028965369
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IRS990/PYTotalExpensesAmt029417906
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt033363330
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IRS990/ReconcilationRevenueExpnssAmt03832715
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RentalIncomeOrLossGrp/RealAmt0985877
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IRS990/ReportOtherLiabilitiesInd01
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Filings

Displayed year

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

Open filing
Assets
$606,327,093
Liabilities
$536,676,848
Net assets
$69,650,245
Revenue
$36,489,769
Expenses
$32,657,054
Net income
$3,832,715
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,096$1,014$82.3$70.2$65.1$5.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,070$992$77.3$61.0$55.1$5.89
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,014$943$71.3$49.5$41.1$8.36
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$973$889$83.2$46.9$39.4$7.45
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$919$841$78.2$47.8$44.7$3.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$616$541$74.8$39.6$35.4$4.26
2018Detailed filing. Detailed filing data is available for this year.$606$537$69.7$36.5$32.7$3.83
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$563$497$66.3$33.4$29.4$3.95
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$513$450$62.5$29.8$26.3$3.52
2015Detailed filing. Detailed filing data is available for this year.$481$422$59.1$29.2$25.0$4.16
2014Detailed filing. Detailed filing data is available for this year.$436$381$54.9$28.9$22.9$6.02
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$384$335$48.9$27.1$24.1$2.94
2012Summary only. Only limited summary data is available for this year.$355$309$46.1$27.2$25.8$1.36
2011Summary only. Only limited summary data is available for this year.$350$305$44.6$27.1$24.8$2.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$333$290$42.3$27.6