Civic Intelligence

Flag Credit Union

990 • Fiscal year 2013 • EIN 59-0992912

Jan 01, 2013 to Dec 31, 2013 • Filed on May 08, 2014

Organization ProfileWWW.FLAGCU.COM

View Organization Page

3115 Conner BlvdTallahassee, FL 32311-3813

(850) 488-6781

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

27th percentile

16.20x

Higher debt load relative to revenue than 27% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

26th percentile

0.7%

Higher net margin than 26% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

57th percentile

$100,931

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

63rd percentile

3.2%

Faster asset growth than 63% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$37,465,021

Up $1,168,414 (+3.2%) from 2012

Net Assets

Up

$3,389,891

Up $46,005 (+1.4%) from 2012

Liabilities

Up

$34,075,130

Up $1,122,409 (+3.4%) from 2012

Revenue And Expenses
Liabilities / Revenue27th percentileNet Margin26th percentile

Revenue

$2,103,652

No earlier filing loaded for comparison.

Expenses

Up

$2,088,064

Up $169,640 (+8.8%) from 2012

Net Income

$15,588

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$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

2013

Assets$37,465,021
Liabilities$34,075,130
Net Assets$3,389,891
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$2,103,652
Expenses$2,088,064
Net Income$15,588
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 8, 2014
Return Version
2013v3.1
Gross Receipts
$2,103,656
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$22,508,787$21,981,240▼ $527,547
Savings and Temporary Cash Investments$6,794,845$8,497,169▲ $1,702,324
Investments Program Related$5,656,000$5,789,000▲ $133,000
Rtn Earn Endowment Incm Other Fnds$3,343,886$3,389,891▲ $46,005
Land, Buildings, and Equipment, Net$554,733$499,763▼ $54,970
Cash and Non-Interest-Bearing Accounts$220,349$187,693▼ $32,656
Prepaid Expenses and Deferred Charges$62,743$67,743▲ $5,000
Total Assets$36,296,607$37,465,021▲ $1,168,414
Other Assets Total$499,150$442,413▼ $56,737
Liabilities
Other Liabilities$32,333,622$33,180,711▲ $847,089
Accounts Payable and Accrued Expenses$619,099$894,419▲ $275,320
Total Liabilities$32,952,721$34,075,130▲ $1,122,409
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,343,886$3,389,891▲ $46,005
Total Liabilities and Net Assets / Fund Balance$36,296,607$37,465,021▲ $1,168,414

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$305,750$485,080$790,830
Equipment$194,013$591,714$785,727
Investment Program Related Org$5,789,000--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sue MassaPresident/ceFT$89,461$11,470$100,931

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,032,162
Investment Income
$71,490
Other Revenue
$0
Change in Net Assets
$15,588
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,325,673
Salaries, Compensation, and Employee Benefits$762,391
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$477,545
Office Expenses---$141,318
Fees for Services Other---$119,641
Interest---$107,528
Information Technology---$104,849
Current Officers, Directors, Trustees, and Key Employees---$100,931
Other Employee Benefits---$89,916
Depreciation Depletion---$72,966
Advertising---$53,766
Pension Plan Contributions---$50,647
Insurance---$46,876
Payroll Taxes---$43,352
Fees for Services Legal---$27,354
Other Expenses---$26,694
All Other Expenses---$23,043
Conferences and Meetings---$21,180
Fees for Services Accounting---$12,520
Travel---$11,524
Occupancy---$5,529
Total Functional Expenses$0$0$0$2,088,064
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposit Accounts$33,180,711
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

EIN
59-0992912
Phone
8504886781

Signing Officer

Name
Amy Green
Title
Chief Financial Officer
Phone
8504886781
Signed
2014-05-08

Organization Details

Principal Officer
Sue Massa
Formed
1960
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
22
Volunteers
21
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Other compensation income 30,417 other compensation income 0”

Raw XML Appendix357 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/BuildingsGrp/DepreciationAmt0485080
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0790830
IRS990ScheduleD/EquipmentGrp/BookValueAmt0194013
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0591714
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0785727
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt05789000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033180711
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSIT ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0499763
IRS990ScheduleD/TotalBookValueProgramRltdAmt05789000
IRS990ScheduleD/TotalLiabilityAmt033180711
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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 30,417 OTHER COMPENSATION INCOME 0
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt036296607
IRS990/TotalAssetsEOYAmt037465021
IRS990/TotalAssetsGrp/BOYAmt036296607
IRS990/TotalAssetsGrp/EOYAmt037465021
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02088064
IRS990/TotalGrossUBIAmt02165
IRS990/TotalLiabilitiesBOYAmt032952721
IRS990/TotalLiabilitiesEOYAmt034075130
IRS990/TotalLiabilitiesGrp/BOYAmt032952721
IRS990/TotalLiabilitiesGrp/EOYAmt034075130
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03343886
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03389891
IRS990/TotalOtherCompensationAmt011470
IRS990/TotalProgramServiceExpensesAmt0396111
IRS990/TotalProgramServiceRevenueAmt02032162
IRS990/TotalReportableCompFromOrgAmt089461
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02103652
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02103652
IRS990/TotalVolunteersCnt021
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt036296607
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037465021
IRS990/TravelGrp/TotalAmt011524
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103115 CONNER BLVD
IRS990/USAddress/City0TALLAHASSEE
IRS990/USAddress/State0FL
IRS990/USAddress/ZIPCode0323113813
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FLAGCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0AMY GREEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF FINANCIAL OFFICER
ReturnHeader/BusinessOfficerGrp/PhoneNum08504886781
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine10FLAG CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FLAG
ReturnHeader/Filer/EIN0590992912
ReturnHeader/Filer/PhoneNum08504886781
ReturnHeader/Filer/USAddress/AddressLine103115 CONNER BLVD
ReturnHeader/Filer/USAddress/City0TALLAHASSEE
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode0323113813
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10FLAG CREDIT UNION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103115 CONNER BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode032311
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-08
ReturnHeader/ReturnTs02014-05-08T10:25:26-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,465,021
Liabilities
$34,075,130
Net assets
$3,389,891
Revenue
$2,103,652
Expenses
$2,088,064
Net income
$15,588
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