Civic Intelligence

Flag Credit Union

EIN 59-0992912 • 501(c)14 • Tallahassee, FL

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Profile

To build a permanent relationship with our members by providing secure financial opportunities with superior products and services delivered by friendly and knowledgeable officials and staff.

3115 Conner BlvdTallahassee, FL 32311

www.flagcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

66th percentile

0.90x

Higher debt load relative to assets than 66% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

42nd percentile

16.25x

Higher debt load relative to revenue than 42% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

40th percentile

6.2%

Higher net margin than 40% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

65th percentile

1.6%

Faster asset growth than 65% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

24th percentile

0.2%

Faster revenue growth than 24% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$35,838,737

Up $554,505 (+1.6%) from 2014

Liabilities

Up

$32,273,101

Up $463,021 (+1.5%) from 2014

Net Assets

Up

$3,565,636

Up $91,484 (+2.6%) from 2014

Operations
Liabilities / Revenue42nd percentileNet Margin40th percentile

Revenue

Up

$1,986,245

Up $3,555 (+0.2%) from 2014

Expenses

Up

$1,863,735

Up $9,907 (+0.5%) from 2014

Net Income

Down

$122,510

Down $6,352 (-4.9%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth65th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $35,895,660Liabilities 2010: $33,108,788Net Assets 2010: $2,786,8722010Assets 2011: $35,859,789Liabilities 2011: $32,731,777Net Assets 2011: $3,128,0122011Assets 2012: $36,296,607Liabilities 2012: $32,952,721Net Assets 2012: $3,343,8862012Assets 2013: $37,465,021Liabilities 2013: $34,075,130Net Assets 2013: $3,389,8912013Assets 2014: $35,284,232Liabilities 2014: $31,810,080Net Assets 2014: $3,474,1522014Assets 2015: $35,838,737Liabilities 2015: $32,273,101Net Assets 2015: $3,565,6362015

Highlighted filing

2015

Assets$35,838,737
Liabilities$32,273,101
Net Assets$3,565,636
Open 2015 Filing

Operations Trend

Revenue Growth24th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $2,838,0922010Expenses 2011: $2,062,6432011Expenses 2012: $1,918,4242012Revenue 2013: $2,103,652Expenses 2013: $2,088,064Net Income 2013: $15,5882013Revenue 2014: $1,982,690Expenses 2014: $1,853,828Net Income 2014: $128,8622014Revenue 2015: $1,986,245Expenses 2015: $1,863,735Net Income 2015: $122,5102015

Highlighted filing

2015

Revenue$1,986,245
Expenses$1,863,735
Net Income$122,510
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$35,838,737
Liabilities
$32,273,101
Net assets
$3,565,636
Revenue
$1,986,245
Expenses
$1,863,735
Net income
$122,510
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$35.8$32.3$3.57$1.99$1.86$0.12
2014Detailed filing. Detailed filing data is available for this year.$35.3$31.8$3.47$1.98$1.85$0.13
2013Detailed filing. Detailed filing data is available for this year.$37.5$34.1$3.39$2.10$2.09$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.3$33.0$3.34$1.92
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.9$32.7$3.13$2.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.9$33.1$2.79$2.84
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$1,986,245
Mission and Program Overview

Mission

To build a permanent relationship with our members by providing secure financial opportunities with superior products and services delivered by friendly and knowledgeable officials and staff.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$21,959,231$22,359,400▲ $400,169
Savings and Temporary Cash Investments$5,972,143$7,292,631▲ $1,320,488
Investments Program Related$5,449,000$4,249,000▼ $1,200,000
Rtn Earn Endowment Incm Other Fnds$3,474,152$3,565,636▲ $91,484
Receivables From Officers Etc$604,443$624,586▲ $20,143
Land, Buildings, and Equipment, Net$445,953$364,721▼ $81,232
Cash and Non-Interest-Bearing Accounts$268,778$250,609▼ $18,169
Prepaid Expenses and Deferred Charges$70,642$69,649▼ $993
Total Assets$35,284,232$35,838,737▲ $554,505
Other Assets Total$514,042$628,141▲ $114,099
Liabilities
Other Liabilities$31,179,680$31,487,109▲ $307,429
Accounts Payable and Accrued Expenses$630,400$785,992▲ $155,592
Total Liabilities$31,810,080$32,273,101▲ $463,021
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,474,152$3,565,636▲ $91,484
Total Liabilities and Net Assets / Fund Balance$35,284,232$35,838,737▲ $554,505

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$114,827$693,560$808,387
Buildings$249,894$540,936$790,830
Investment Program Related Org$4,249,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleBaseOtherTotal
Sue MassaPresident/ce$97,013$7,425$104,438

Board Members and Trustees

NameTitle
Thomas JamesBoard Chairp
Carol KilgoreBoard Member
Dale DubberlyBoard Member
Lance RodanBoard Member
Raymond GeigerBoard Member
Thomas Pleas StricklandBoard Member
Amy TopolBoard Secret
Monique BatchelorBoard Treasu
Eric SespicoBoard Vice C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,922,781
Investment Income
$63,464
Other Revenue
$0
Change in Net Assets
$122,510
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,098,265
Salaries, Compensation, and Employee Benefits$765,470
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$476,578
Office Expenses---$145,724
Fees for Services Other---$130,353
Information Technology---$110,286
Comp Disqual Persons---$104,438
Interest---$87,971
Depreciation Depletion---$83,175
Advertising---$78,695
Other Employee Benefits---$76,188
Pension Plan Contributions---$61,720
Payroll Taxes---$46,546
Insurance---$39,656
Conferences and Meetings---$29,365
Other Expenses---$22,224
Fees for Services Legal---$14,180
Fees for Services Accounting---$14,038
Travel---$7,600
Occupancy---$4,841
Total Functional Expenses$0$0$0$1,863,735
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$604,443$624,586▲ $20,143
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$31,487,109
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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

Form 990, Page 6, Part VI, Line 6

“Flag credit union is a not-for-profit financial cooperative, owned by the people who save and borrow here, called "members".”

Form 990, Page 6, Part VI, Line 7A

“Every member has the right to vote for the members of the governing body, called the "board of directors".”

Form 990, Page 6, Part VI, Line 11B

“The governing body was not provided a copy of this form 990 before it was filed.”

Form 990, Page 6, Part VI, Line 12C

“Flag credit union has a written conflict of interest policy titled "code of conduct". Annually, all volunteers and employees are required to sign the policy and a form is completed that would disclose interests that could give rise to conflicts.”

Form 990, Page 6, Part VI, Line 15A

“Flag credit union uses salary surveys provided for our industry for determining compensation.”

Form 990, Page 6, Part VI, Line 15B

“Flag credit union uses salary surveys provided for our industry for determining compensation.”

Form 990, Page 6, Part VI, Line 19

“Our financial data is available to the public through ncua's website. Governing documents and policies are not made available to the general public.”

Filing and Contact Details

Filer

Filer Name
Flag Credit Union
EIN
59-0992912
Phone
8504886781
Address
3115 CONNER BLVD, TALLAHASSEE, FL 32311

Signing Officer

Name
Sue Massa
Title
President/CEO
Phone
8504886781
Signed
2016-05-13

Organization Details

Principal Officer
Sue Massa
Formed
1960
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
26
Volunteers
17

Preparer

Firm
Flag Credit Union
Address
3115 CONNER BLVD, TALLAHASSEE, FL 32311
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Other compensation income -31,026 total -31,026”

Raw XML Appendix362 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0624586
IRS990/ReconcilationRevenueExpnssAmt0122510
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IRS990/RelatedEntityInd0false
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IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03474152
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03565636
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05972143
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07292631
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0249894
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0540936
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0790830
IRS990ScheduleD/EquipmentGrp/BookValueAmt0114827
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0693560
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0808387
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt04249000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt031487109
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0364721
IRS990ScheduleD/TotalBookValueProgramRltdAmt04249000
IRS990ScheduleD/TotalLiabilityAmt031487109
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0624586
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0KEY EMPLOYEE
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IRS990ScheduleL/TotalBalanceDueAmt0624586
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FLAG CREDIT UNION IS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE, OWNED BY THE PEOPLE WHO SAVE AND BORROW HERE, CALLED "MEMBERS".
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EVERY MEMBER HAS THE RIGHT TO VOTE FOR THE MEMBERS OF THE GOVERNING BODY, CALLED THE "BOARD OF DIRECTORS".
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY WAS NOT PROVIDED A COPY OF THIS FORM 990 BEFORE IT WAS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FLAG CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY TITLED "CODE OF CONDUCT". ANNUALLY, ALL VOLUNTEERS AND EMPLOYEES ARE REQUIRED TO SIGN THE POLICY AND A FORM IS COMPLETED THAT WOULD DISCLOSE INTERESTS THAT COULD GIVE RISE TO CONFLICTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FLAG CREDIT UNION USES SALARY SURVEYS PROVIDED FOR OUR INDUSTRY FOR DETERMINING COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FLAG CREDIT UNION USES SALARY SURVEYS PROVIDED FOR OUR INDUSTRY FOR DETERMINING COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OUR FINANCIAL DATA IS AVAILABLE TO THE PUBLIC THROUGH NCUA'S WEBSITE. GOVERNING DOCUMENTS AND POLICIES ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER COMPENSATION INCOME -31,026 TOTAL -31,026
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt035838737
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01863735
IRS990/TotalGrossUBIAmt02534
IRS990/TotalLiabilitiesBOYAmt031810080
IRS990/TotalLiabilitiesEOYAmt032273101
IRS990/TotalLiabilitiesGrp/BOYAmt031810080
IRS990/TotalLiabilitiesGrp/EOYAmt032273101
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03474152
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03565636
IRS990/TotalOtherCompensationAmt07425
IRS990/TotalProgramServiceExpensesAmt0366436
IRS990/TotalProgramServiceRevenueAmt01922781
IRS990/TotalReportableCompFromOrgAmt097013
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01983711
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01986245
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02534
IRS990/TotalVolunteersCnt017
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt035284232
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt035838737
IRS990/TravelGrp/TotalAmt07600
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03115 CONNER BLVD
IRS990/USAddress/CityNm0TALLAHASSEE
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032311
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FLAGCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUE MASSA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08504886781
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FLAG CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FLAG
ReturnHeader/Filer/EIN0590992912
ReturnHeader/Filer/PhoneNum08504886781
ReturnHeader/Filer/USAddress/AddressLine1Txt03115 CONNER BLVD
ReturnHeader/Filer/USAddress/CityNm0TALLAHASSEE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032311
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0590992912
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FLAG CREDIT UNION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03115 CONNER BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032311
ReturnHeader/PreparerPersonGrp/PreparationDt02016-05-13
ReturnHeader/ReturnTs02016-05-13T12:28:45-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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