Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2013 • EIN 59-1612921

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 25, 2014

Organization ProfileWWW.FRSACU.ORG
PO Box 579932793-5799

(407) 657-7212

Siviq Scores

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

Liabilities / Assets

75th percentile

0.89x

Higher debt load relative to assets than 75% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

57th percentile

17.71x

Higher debt load relative to revenue than 57% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

46th percentile

0.6%

Higher net margin than 46% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

85th percentile

$56,494

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 30.4% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

99th percentile

20%

Faster asset growth than 99% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M 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 / Assets75th percentile

Assets

Up

$3,704,150

Up $624,824 (+20%) from 2012

Net Assets

Up

$417,059

Up $1,056 (+0.3%) from 2012

Liabilities

Up

$3,287,091

Up $623,768 (+23%) from 2012

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin46th percentile

Revenue

$185,568

No earlier filing loaded for comparison.

Expenses

Up

$184,512

Up $662 (+0.4%) from 2012

Net Income

$1,056

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth99th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $3,023,536Liabilities 2010: $2,476,680Net Assets 2010: $546,8562010Assets 2011: $2,960,287Liabilities 2011: $2,485,075Net Assets 2011: $475,2122011Assets 2012: $3,079,326Liabilities 2012: $2,663,323Net Assets 2012: $416,0032012Assets 2013: $3,704,150Liabilities 2013: $3,287,091Net Assets 2013: $417,0592013Assets 2014: $4,645,715Liabilities 2014: $4,189,076Net Assets 2014: $456,6392014Assets 2015: $5,061,352Liabilities 2015: $4,543,878Net Assets 2015: $517,4742015Assets 2016: $5,343,425Liabilities 2016: $4,803,383Net Assets 2016: $540,0422016Assets 2017: $5,003,799Liabilities 2017: $4,460,003Net Assets 2017: $543,7962017Assets 2018: $4,560,645Liabilities 2018: $4,093,146Net Assets 2018: $467,4992018Assets 2019: $4,586,565Liabilities 2019: $4,095,054Net Assets 2019: $491,5112019Assets 2020: $5,532,970Liabilities 2020: $5,026,700Net Assets 2020: $506,2702020Assets 2021: $6,180,299Liabilities 2021: $5,651,507Net Assets 2021: $528,7922021Assets 2022: $6,053,794Liabilities 2022: $5,523,370Net Assets 2022: $530,4242022Assets 2023: $6,011,559Liabilities 2023: $5,457,499Net Assets 2023: $554,0602023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2013

Assets$3,704,150
Liabilities$3,287,091
Net Assets$417,059
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$200K$0-$200KExpenses 2010: $221,0552010Expenses 2011: $207,8272011Expenses 2012: $183,8502012Revenue 2013: $185,568Expenses 2013: $184,512Net Income 2013: $1,0562013Revenue 2014: $287,142Expenses 2014: $247,562Net Income 2014: $39,5802014Revenue 2015: $353,680Expenses 2015: $292,884Net Income 2015: $60,7962015Revenue 2016: $363,622Expenses 2016: $341,054Net Income 2016: $22,5682016Revenue 2017: $324,694Expenses 2017: $320,940Net Income 2017: $3,7542017Revenue 2018: $283,127Expenses 2018: $359,424Net Income 2018: -$76,2972018Revenue 2019: $273,027Expenses 2019: $249,015Net Income 2019: $24,0122019Revenue 2020: $271,238Expenses 2020: $256,432Net Income 2020: $14,8062020Revenue 2021: $282,070Expenses 2021: $259,548Net Income 2021: $22,5222021Revenue 2022: $265,064Expenses 2022: $263,432Net Income 2022: $1,6322022Revenue 2023: $319,769Expenses 2023: $287,404Net Income 2023: $32,3652023Revenue 2024: $159,039Expenses 2024: $132,421Net Income 2024: $26,6182024

Highlighted filing

2013

Revenue$185,568
Expenses$184,512
Net Income$1,056
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 25, 2014
Return Version
2013v3.1
Gross Receipts
$185,568
Mission and Program Overview

Mission

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

Credit Union Programs Programs of credit unions which offer a wide variety of personal financial services exclusively to their members featuring competitive dividend rates on investments, competitive interest rates on loans, and other products services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,116,198$2,743,222▲ $1,627,024
Savings and Temporary Cash Investments$1,656,922$831,428▼ $825,494
Rtn Earn Endowment Incm Other Fnds$416,003$417,059▲ $1,056
Investments Program Related$24,841$52,831▲ $27,990
Cash and Non-Interest-Bearing Accounts$239,047$41,650▼ $197,397
Land, Buildings, and Equipment, Net$29,514$16,921▼ $12,593
Accounts Receivable$4,428$10,042▲ $5,614
Prepaid Expenses and Deferred Charges$8,376$8,056▼ $320
Total Assets$3,079,326$3,704,150▲ $624,824
Liabilities
Other Liabilities$2,656,607$3,279,799▲ $623,192
Accounts Payable and Accrued Expenses$6,716$7,292▲ $576
Total Liabilities$2,663,323$3,287,091▲ $623,768
Net Assets / Fund Balance
Total Net Assets Fund Balance$416,003$417,059▲ $1,056
Total Liabilities and Net Assets / Fund Balance$3,079,326$3,704,150▲ $624,824

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$16,921$75,943$92,864
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marissa TatumCEOFT$56,494$56,494

Board Members and Trustees

NameTitle
Adel TennysonDirector
Dick PittmanDirector
Donna DoveDirector
George EbersoldDirector
James CarducciDirector
John SheffieldDirector
Mike ReedDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$169,037
Investment Income
$16,531
Other Revenue
$0
Change in Net Assets
$1,056
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$102,927
Salaries, Compensation, and Employee Benefits$81,585
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$56,494--$56,494
Office Expenses$47,657--$47,657
Other Salaries and Wages$13,646--$13,646
Information Technology$13,226--$13,226
Depreciation Depletion$13,171--$13,171
Fees for Services Other$9,717--$9,717
Interest$5,996--$5,996
Payroll Taxes$5,769--$5,769
Other Employee Benefits$5,676--$5,676
Insurance$5,383--$5,383
Other Expenses$3,000--$3,000
Fees for Services Legal$1,215--$1,215
Travel$464--$464
Advertising$163--$163
Total Functional Expenses$184,512$0$0$184,512
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
Federal income taxes$3,279,799
Memebr Deposits-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Management duties delegated
No

Governance Explanations

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

“Employees are restricted from processing transactions on their own behalf or for a family member. There are regular reviews of the activity in the accounts of volunteers and employees.”

Form 990, Part VI, Section B, Line 15A

“Credit union industry salary surveys are used as a guide by the board to set salaries”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby and other items that are required to be disclosed are available upon request”

Filing and Contact Details

Filer

EIN
59-1612921
Phone
4076577212

Signing Officer

Name
Marissa Tatum
Title
CEO
Signed
2014-04-25
Discuss with paid preparer
Yes

Organization Details

Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
9

Preparer

Preparer
Edwin W Ewart Jr CPA
Phone
3052136453
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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/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EMPLOYEES ARE RESTRICTED FROM PROCESSING TRANSACTIONS ON THEIR OWN BEHALF OR FOR A FAMILY MEMBER. THERE ARE REGULAR REVIEWS OF THE ACTIVITY IN THE ACCOUNTS OF VOLUNTEERS AND EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03079326
IRS990/TotalAssetsEOYAmt03704150
IRS990/TotalAssetsGrp/BOYAmt03079326
IRS990/TotalAssetsGrp/EOYAmt03704150
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0184512
IRS990/TotalFunctionalExpensesGrp/TotalAmt0184512
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02663323
IRS990/TotalLiabilitiesEOYAmt03287091
IRS990/TotalLiabilitiesGrp/BOYAmt02663323
IRS990/TotalLiabilitiesGrp/EOYAmt03287091
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0416003
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0417059
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt01729
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt01729
IRS990/TotalProgramServiceExpensesAmt0184512
IRS990/TotalProgramServiceRevenueAmt0169037
IRS990/TotalReportableCompFromOrgAmt056494
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0185568
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0185568
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03079326
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03704150
IRS990/TravelGrp/ProgramServicesAmt0464
IRS990/TravelGrp/TotalAmt0464
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine104111 METRIC DRIVE
IRS990/USAddress/City0WINTER PARK
IRS990/USAddress/State0FL
IRS990/USAddress/ZIPCode032792
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FRSACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Marissa Tatum
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-25
ReturnHeader/Filer/BusinessName/BusinessNameLine10FRSA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRSA
ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 5799
ReturnHeader/Filer/USAddress/City0WINTER PARK
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode0327935799
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10EDWIN W EWART JR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine107480 FAIRWAY DR 205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MIAMI LAKES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode033014
ReturnHeader/PreparerPersonGrp/PhoneNum03052136453
ReturnHeader/PreparerPersonGrp/PreparationDt02014-04-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWIN W EWART JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-04-25T01:59:31-00:00
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
$3,704,150
Liabilities
$3,287,091
Net assets
$417,059
Revenue
$185,568
Expenses
$184,512
Net income
$1,056
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.16$0.13$0.03
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.01$5.46$0.55$0.32$0.29$0.03
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.05$5.52$0.53$0.27$0.26$0.00
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.18$5.65$0.53$0.28$0.26$0.02
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.53$5.03$0.51$0.27$0.26$0.01
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.59$4.10$0.49$0.27$0.25$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.56$4.09$0.47$0.28$0.36$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.00$4.46$0.54$0.32$0.32$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.34$4.80$0.54$0.36$0.34$0.02
2015Detailed filing. Detailed filing data is available for this year.$5.06$4.54$0.52$0.35$0.29$0.06
2014Detailed filing. Detailed filing data is available for this year.$4.65$4.19$0.46$0.29$0.25$0.04
2013Detailed filing. Detailed filing data is available for this year.$3.70$3.29$0.42$0.19$0.18$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.08$2.66$0.42$0.18
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.96$2.49$0.48$0.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.02$2.48$0.55$0.22