Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2019 • EIN 59-0965738

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 01, 2020

Organization ProfileWWW.1STSTREETCU.COM

View Organization Page

1558 1st STREETSarasota, FL 34236

(941) 953-6744

Siviq Scores

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

Liabilities / Assets

61st percentile

0.88x

Higher debt load relative to assets than 61% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

62nd percentile

18.68x

Higher debt load relative to revenue than 62% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

25th percentile

5.8%

Higher net margin than 25% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

33rd percentile

$92,212

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

78th percentile

6.0%

Faster asset growth than 78% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

39th percentile

4.8%

Faster revenue growth than 39% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$31,224,237

Up $1,778,677 (+6.0%) from 2018

Net Assets

Up

$3,745,046

Up $84,692 (+2.3%) from 2018

Liabilities

Up

$27,479,191

Up $1,693,985 (+6.6%) from 2018

Revenue And Expenses
Liabilities / Revenue62nd percentileNet Margin25th percentile

Revenue

Up

$1,470,974

Up $67,517 (+4.8%) from 2018

Expenses

Up

$1,386,282

Up $148,205 (+12%) from 2018

Net Income

Down

$84,692

Down $80,688 (-49%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$40M$30M$20M$10M$0Assets 2011: $23,104,362Liabilities 2011: $20,438,172Net Assets 2011: $2,666,1902011Assets 2012: $25,160,436Liabilities 2012: $22,340,222Net Assets 2012: $2,820,2142012Assets 2013: $26,041,857Liabilities 2013: $23,145,118Net Assets 2013: $2,896,7392013Assets 2014: $26,786,131Liabilities 2014: $23,735,332Net Assets 2014: $3,050,7992014Assets 2015: $28,212,727Liabilities 2015: $25,011,069Net Assets 2015: $3,201,6582015Assets 2016: $29,936,831Liabilities 2016: $26,609,456Net Assets 2016: $3,327,3752016Assets 2017: $30,826,655Liabilities 2017: $27,331,681Net Assets 2017: $3,494,9742017Assets 2018: $29,445,560Liabilities 2018: $25,785,206Net Assets 2018: $3,660,3542018Assets 2019: $31,224,237Liabilities 2019: $27,479,191Net Assets 2019: $3,745,0462019Assets 2020: $35,721,958Liabilities 2020: $32,020,206Net Assets 2020: $3,701,7522020Assets 2021: $39,446,205Liabilities 2021: $35,739,290Net Assets 2021: $3,706,9152021Assets 2022: $38,204,185Liabilities 2022: $34,244,120Net Assets 2022: $3,960,0652022Assets 2023: $33,820,328Liabilities 2023: $29,537,682Net Assets 2023: $4,282,6462023Assets 2024: $32,462,356Liabilities 2024: $27,908,239Net Assets 2024: $4,554,1172024

Highlighted filing

2019

Assets$31,224,237
Liabilities$27,479,191
Net Assets$3,745,046
Open 2019 Filing

Operations Trend

Revenue Growth39th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2011: $1,181,6692011Revenue 2012: $1,222,829Expenses 2012: $1,068,805Net Income 2012: $154,0242012Revenue 2013: $1,189,588Expenses 2013: $1,113,063Net Income 2013: $76,5252013Revenue 2014: $1,215,030Expenses 2014: $1,060,970Net Income 2014: $154,0602014Revenue 2015: $1,238,891Expenses 2015: $1,088,032Net Income 2015: $150,8592015Revenue 2016: $1,264,425Expenses 2016: $1,138,708Net Income 2016: $125,7172016Revenue 2017: $1,293,574Expenses 2017: $1,125,975Net Income 2017: $167,5992017Revenue 2018: $1,403,457Expenses 2018: $1,238,077Net Income 2018: $165,3802018Revenue 2019: $1,470,974Expenses 2019: $1,386,282Net Income 2019: $84,6922019Revenue 2020: $1,358,075Expenses 2020: $1,401,369Net Income 2020: -$43,2942020Revenue 2021: $1,236,235Expenses 2021: $1,231,072Net Income 2021: $5,1632021Revenue 2022: $1,367,644Expenses 2022: $1,173,638Net Income 2022: $194,0062022Revenue 2023: $1,520,782Expenses 2023: $1,139,057Net Income 2023: $381,7252023Revenue 2024: $1,535,871Expenses 2024: $1,264,400Net Income 2024: $271,4712024

Highlighted filing

2019

Revenue$1,470,974
Expenses$1,386,282
Net Income$84,692
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 1, 2020
Return Version
2019v5.0
Gross Receipts
$1,470,974
Mission and Program Overview

Mission

Programs of credit unions offering a variety of personal financial services exclusively to the members featuring competitive rates on loans & investments, and other products and services.

Credit union programs providing personal financial services to members of the organization

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$17,466,502$19,709,637▲ $2,243,135
Other Notes and Loans Receivable, Net$10,440,764$9,942,163▼ $498,601
Rtn Earn Endowment Incm Other Fnds$3,660,354$3,745,046▲ $84,692
Investments Program Related$617,209$602,838▼ $14,371
Cash and Non-Interest-Bearing Accounts$357,921$423,985▲ $66,064
Land, Buildings, and Equipment, Net$417,006$410,672▼ $6,334
Accounts Receivable$105,358$106,269▲ $911
Prepaid Expenses and Deferred Charges$40,800$28,673▼ $12,127
Total Assets$29,445,560$31,224,237▲ $1,778,677
Liabilities
Other Liabilities$25,599,984$27,221,218▲ $1,621,234
Accounts Payable and Accrued Expenses$185,222$257,973▲ $72,751
Total Liabilities$25,785,206$27,479,191▲ $1,693,985
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,660,354$3,745,046▲ $84,692
Total Liabilities and Net Assets / Fund Balance$29,445,560$31,224,237▲ $1,778,677

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$60,000--
Buildings$170,398$270,377-
Other Land Buildings$6,966$89,045-
Land$184,918--
Equipment$48,390$398,205-
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Arthur C HartCEOFT$92,212$92,212

Board Members and Trustees

NameTitle
Clifford E SmithDirector
Donita J SumneyDirector
Norman J StocktonDirector
Paul R KurtzDirector
Randy BoydDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,079,914
Investment Income
$391,060
Other Revenue
$0
Change in Net Assets
$84,692
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,013,004
Salaries, Compensation, and Employee Benefits$373,278
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$341,664
Other Salaries and Wages---$218,934
Fees for Services Other---$132,855
Interest---$110,142
Fees for Services Accounting---$109,768
Current Officers, Directors, Trustees, and Key Employees---$92,212
Other Expenses---$80,378
Depreciation Depletion---$58,022
Travel---$39,537
Occupancy---$33,103
Other Employee Benefits---$25,905
Insurance---$24,941
Payroll Taxes---$23,377
Information Technology---$21,853
Advertising---$20,436
Pension Plan Contributions---$12,850
All Other Expenses---$9,286
Fees for Services Legal---$5,241
Conferences and Meetings---$5,108
Total Functional Expenses$0$0$0$1,386,282
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$27,221,218
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Credit union is comprised of members”

Part VI Line 7A

“Each member gets one vote in election of each board seat”

Part VI Line 11B

“Ceo reviews 990 & makes copies avialable to board”

Part VI Line 12C

“Members with possible conflicts are excused from discussions & voting”

Part VI Line 12C

“Employees cannot process transactions on their own behalf or family”

Part VI Line 15A or B

“Industry salary surveys are used as a guide by the board to set salaries”

Part VI Line 19

“Financial statements are posted in the lobby”

Part VI Line 19

“Other items that are required to be disclosed are available upon request”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0965738
In Care Of
% ARTHUR HART
Phone
9419536744
Address
1558 1st STREET, SARASOTA, FL 34236
Doing Business As
1st Street Credit Union

Signing Officer

Name
Arthur Hart
Title
CEO
Phone
9419536744
Signed
2020-07-01

Organization Details

Principal Officer
Arthur C Hart
Formed
1951
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
15
Volunteers
9
Raw XML Appendix358 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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IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt096011
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027221218
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/Section170hRqrStsfdInd0false
IRS990ScheduleD/SolicitedAssetsSaleInd0false
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0410672
IRS990ScheduleD/TotalBookValueProgramRltdAmt0602838
IRS990ScheduleD/TotalLiabilityAmt027221218
IRS990ScheduleD/WrittenPolicyMonitoringInd0false
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION IS COMPRISED OF MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER GETS ONE VOTE IN ELECTION OF EACH BOARD SEAT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO REVIEWS 990 & MAKES COPIES AVIALABLE TO BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS WITH POSSIBLE CONFLICTS ARE EXCUSED FROM DISCUSSIONS & VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EMPLOYEES CANNOT PROCESS TRANSACTIONS ON THEIR OWN BEHALF OR FAMILY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029445560
IRS990/TotalAssetsEOYAmt031224237
IRS990/TotalAssetsGrp/BOYAmt029445560
IRS990/TotalAssetsGrp/EOYAmt031224237
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01386282
IRS990/TotalGrossUBIAmt03815
IRS990/TotalLiabilitiesBOYAmt025785206
IRS990/TotalLiabilitiesEOYAmt027479191
IRS990/TotalLiabilitiesGrp/BOYAmt025785206
IRS990/TotalLiabilitiesGrp/EOYAmt027479191
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03660354
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03745046
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt010404
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt010404
IRS990/TotalProgramServiceExpensesAmt01386282
IRS990/TotalProgramServiceRevenueAmt01079914
IRS990/TotalReportableCompFromOrgAmt092212
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01467159
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01470974
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03815
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029445560
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031224237
IRS990/TravelGrp/TotalAmt039537
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01558 1ST STREET
IRS990/USAddress/CityNm0SARASOTA
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd034236
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.1STSTREETCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ARTHUR HART
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09419536744
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-07-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNIONS IN FLORIDA
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt01ST STREET CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0590965738
ReturnHeader/Filer/InCareOfNm0% ARTHUR HART
ReturnHeader/Filer/PhoneNum09419536744
ReturnHeader/Filer/USAddress/AddressLine1Txt01558 1st STREET
ReturnHeader/Filer/USAddress/CityNm0SARASOTA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd034236
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId00D0E814C4AB9B5E4CDDD86DCBCC94B2FD6BC2E70
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId00D0E814C4AB9B5E4CDDD86DCBCC94B2FD6BC2E70
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520201831258642
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02020-07-01
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.115.41.3
ReturnHeader/ReturnTs02020-07-01T07:32:01-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,224,237
Liabilities
$27,479,191
Net assets
$3,745,046
Revenue
$1,470,974
Expenses
$1,386,282
Net income
$84,692
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.5$27.9$4.55$1.54$1.26$0.27
2023Summary only. Only limited summary data is available for this year.$33.8$29.5$4.28$1.52$1.14$0.38
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.2$34.2$3.96$1.37$1.17$0.19
2021Summary only. Only limited summary data is available for this year.$39.4$35.7$3.71$1.24$1.23$0.01
2020Summary only. Only limited summary data is available for this year.$35.7$32.0$3.70$1.36$1.40$0.04
2019Detailed filing. Detailed filing data is available for this year.$31.2$27.5$3.75$1.47$1.39$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.4$25.8$3.66$1.40$1.24$0.17
2017Summary only. Only limited summary data is available for this year.$30.8$27.3$3.49$1.29$1.13$0.17
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.9$26.6$3.33$1.26$1.14$0.13
2015Detailed filing. Detailed filing data is available for this year.$28.2$25.0$3.20$1.24$1.09$0.15
2014Detailed filing. Detailed filing data is available for this year.$26.8$23.7$3.05$1.22$1.06$0.15
2013Detailed filing. Detailed filing data is available for this year.$26.0$23.1$2.90$1.19$1.11$0.08
2012Summary only. Only limited summary data is available for this year.$25.2$22.3$2.82$1.22$1.07$0.15
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.1$20.4$2.67$1.18