Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2014 • EIN 59-1612921

Jan 01, 2014 to Dec 31, 2014 • Filed on May 08, 2015

Organization ProfileWWW.FRSACU.ORG
PO Box 5799Winter Park, FL 32793-5799

(407) 657-7212

Siviq Scores

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

Liabilities / Assets

87th percentile

0.90x

Higher debt load relative to assets than 87% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

41st percentile

14.59x

Higher debt load relative to revenue than 41% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Net Margin

78th percentile

14%

Higher net margin than 78% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

83rd percentile

$55,994

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 19.5% of source-year revenue.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2014

Asset Growth

99th percentile

25%

Faster asset growth than 99% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

100th percentile

55%

Faster revenue growth than 100% of similar nonprofits.

2014 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$4,645,715

Up $941,565 (+25%) from 2013

Net Assets

Up

$456,639

Up $39,580 (+9.5%) from 2013

Liabilities

Up

$4,189,076

Up $901,985 (+27%) from 2013

Revenue And Expenses
Liabilities / Revenue41st percentileNet Margin78th percentile

Revenue

Up

$287,142

Up $101,574 (+55%) from 2013

Expenses

Up

$247,562

Up $63,050 (+34%) from 2013

Net Income

Up

$39,580

Up $38,524 (+3648%) from 2013

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

2014

Assets$4,645,715
Liabilities$4,189,076
Net Assets$456,639
Open 2014 Filing

Operations Trend

Revenue Growth100th percentile

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

2014

Revenue$287,142
Expenses$247,562
Net Income$39,580
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 8, 2015
Return Version
2014v5.0
Gross Receipts
$287,142
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$2,743,222$3,856,579▲ $1,113,357
Rtn Earn Endowment Incm Other Fnds$417,059$456,639▲ $39,580
Savings and Temporary Cash Investments$831,428$450,352▼ $381,076
Cash and Non-Interest-Bearing Accounts$41,650$232,667▲ $191,017
Investments Program Related$52,831$59,055▲ $6,224
Land, Buildings, and Equipment, Net$16,921$20,790▲ $3,869
Accounts Receivable$10,042$17,392▲ $7,350
Prepaid Expenses and Deferred Charges$8,056$8,880▲ $824
Total Assets$3,704,150$4,645,715▲ $941,565
Liabilities
Other Liabilities$3,279,799$4,181,436▲ $901,637
Accounts Payable and Accrued Expenses$7,292$7,640▲ $348
Total Liabilities$3,287,091$4,189,076▲ $901,985
Net Assets / Fund Balance
Total Net Assets Fund Balance$417,059$456,639▲ $39,580
Total Liabilities and Net Assets / Fund Balance$3,704,150$4,645,715▲ $941,565

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,424$90,056$99,480
Leasehold Improvements$11,366$2,651$14,017
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marissa TatumCEOFT$55,994$55,994

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
$284,256
Investment Income
$2,886
Other Revenue
$0
Change in Net Assets
$39,580
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$157,590
Salaries, Compensation, and Employee Benefits$89,972
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$55,994--$55,994
Office Expenses$49,977--$49,977
Other Expenses$29,000--$29,000
Occupancy$24,379--$24,379
Other Salaries and Wages$20,660--$20,660
Depreciation Depletion$20,048--$20,048
Interest$17,047--$17,047
Fees for Services Other$10,265--$10,265
Other Employee Benefits$7,035--$7,035
Payroll Taxes$6,283--$6,283
Fees for Services Legal$2,563--$2,563
Travel$960--$960
Advertising$470--$470
Total Functional Expenses$247,562$0$0$247,562
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$4,181,436
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

Filer Name
Frsa Credit Union
EIN
59-1612921
Phone
4076577212
Address
PO BOX 5799, WINTER PARK, FL 32793-5799

Signing Officer

Name
Marissa Tatum
Title
CEO
Signed
2015-05-08
Discuss with paid preparer
Yes

Organization Details

Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10

Preparer

Firm
Edwin W Ewart Jr CPA
Address
7480 FAIRWAY DR 205, MIAMI LAKES, FL 33014
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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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMEBR DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt020790
IRS990ScheduleD/TotalLiabilityAmt04181436
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/TotalAssetsBOYAmt03704150
IRS990/TotalAssetsEOYAmt04645715
IRS990/TotalAssetsGrp/BOYAmt03704150
IRS990/TotalAssetsGrp/EOYAmt04645715
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0247562
IRS990/TotalFunctionalExpensesGrp/TotalAmt0247562
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt03287091
IRS990/TotalLiabilitiesEOYAmt04189076
IRS990/TotalLiabilitiesGrp/BOYAmt03287091
IRS990/TotalLiabilitiesGrp/EOYAmt04189076
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0417059
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0456639
IRS990/TotalProgramServiceExpensesAmt0247562
IRS990/TotalProgramServiceRevenueAmt0284256
IRS990/TotalReportableCompFromOrgAmt055994
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0287142
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0287142
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03704150
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt04645715
IRS990/TravelGrp/ProgramServicesAmt0960
IRS990/TravelGrp/TotalAmt0960
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04111 METRIC DRIVE
IRS990/USAddress/CityNm0WINTER PARK
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032792
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FRSACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Marissa Tatum
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FRSA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRSA
ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 5799
ReturnHeader/Filer/USAddress/CityNm0WINTER PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd0327935799
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0EDWIN W EWART JR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07480 FAIRWAY DR 205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI LAKES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033014
ReturnHeader/PreparerPersonGrp/PhoneNum03052136453
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWIN W EWART JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-05-08T12:34:02-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,645,715
Liabilities
$4,189,076
Net assets
$456,639
Revenue
$287,142
Expenses
$247,562
Net income
$39,580
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
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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