Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2017 • EIN 59-1612921

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 25, 2018

Organization ProfileWWW.FRSACU.ORG
7071 University Blvd Ste BWinter Park, FL 32792

(407) 657-7212

Siviq Scores

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

Liabilities / Assets

71st percentile

0.89x

Higher debt load relative to assets than 71% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

23rd percentile

13.74x

Higher debt load relative to revenue than 23% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

33rd percentile

1.2%

Higher net margin than 33% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

33rd percentile

$44,462

Higher top officer pay than 33% of similar nonprofits.

Top officer pay equals 13.7% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

8th percentile

-6.4%

Faster asset growth than 8% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

5th percentile

-11%

Faster revenue growth than 5% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$5,003,799

Down $339,626 (-6.4%) from 2016

Net Assets

Up

$543,796

Up $3,754 (+0.7%) from 2016

Liabilities

Down

$4,460,003

Down $343,380 (-7.1%) from 2016

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin33rd percentile

Revenue

Down

$324,694

Down $38,928 (-11%) from 2016

Expenses

Down

$320,940

Down $20,114 (-5.9%) from 2016

Net Income

Down

$3,754

Down $18,814 (-83%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2017

Assets$5,003,799
Liabilities$4,460,003
Net Assets$543,796
Open 2017 Filing

Operations Trend

Revenue Growth5th 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

2017

Revenue$324,694
Expenses$320,940
Net Income$3,754
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 25, 2018
Return Version
2017v2.3
Gross Receipts
$324,694
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$4,286,085$3,602,883▼ $683,202
Savings and Temporary Cash Investments$929,547$1,284,921▲ $355,374
Rtn Earn Endowment Incm Other Fnds$540,042$543,796▲ $3,754
Investments Program Related$71,013$73,583▲ $2,570
Cash and Non-Interest-Bearing Accounts$16,891$15,433▼ $1,458
Accounts Receivable$17,042$12,982▼ $4,060
Land, Buildings, and Equipment, Net$15,310$10,193▼ $5,117
Prepaid Expenses and Deferred Charges$7,537$3,804▼ $3,733
Total Assets$5,343,425$5,003,799▼ $339,626
Liabilities
Other Liabilities$4,794,483$4,448,991▼ $345,492
Accounts Payable and Accrued Expenses$8,900$11,012▲ $2,112
Total Liabilities$4,803,383$4,460,003▼ $343,380
Net Assets / Fund Balance
Total Net Assets Fund Balance$540,042$543,796▲ $3,754
Total Liabilities and Net Assets / Fund Balance$5,343,425$5,003,799▼ $339,626

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$10,193$97,471$107,664
Leasehold Improvements-$14,017$14,017
Compensation and Service Providers
Top Officer Pay33rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan UflandCEOFT$18,465$18,465

Board Members and Trustees

NameTitle
Adel TennysonDirector
Donna DoveDirector
George EbersoldDirector
James CarducciDirector
John SheffieldDirector
Phillip LaneDirector
Marissa TatumCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$323,502
Investment Income
$1,192
Other Revenue
$0
Change in Net Assets
$3,754
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$204,585
Salaries, Compensation, and Employee Benefits$116,355
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$88,049--$88,049
Current Officers, Directors, Trustees, and Key Employees$62,927--$62,927
Other Expenses$46,376--$46,376
Other Salaries and Wages$39,077--$39,077
Interest$26,129--$26,129
Fees for Services Other$10,554--$10,554
Payroll Taxes$7,925--$7,925
Occupancy$7,850--$7,850
Other Employee Benefits$6,426--$6,426
Insurance$5,953--$5,953
Depreciation Depletion$5,117--$5,117
Advertising$4,058--$4,058
Travel$2,327--$2,327
Fees for Services Legal$2,076--$2,076
All Other Expenses$130--$130
Total Functional Expenses$320,940$0$0$320,940
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$4,448,991
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
7071 UNIVERSITY BLVD STE B, WINTER PARK, FL 32792

Signing Officer

Name
Susan Ufland
Title
CEO
Signed
2018-04-25
Discuss with paid preparer
Yes

Organization Details

Formed
1975
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
6
Employees
4
Volunteers
9

Preparer

Firm
Ewart & Associates LLC
Address
7480 FAIRWAY DR 207, MIAMI LAKES, FL 33014
Preparer
Richard T Ewart CPA
Phone
3055574683
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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/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt014017
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04448991
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMEBR DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt010193
IRS990ScheduleD/TotalLiabilityAmt04448991
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0MARISSA TATUM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
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/TotalAssetsBOYAmt05343425
IRS990/TotalAssetsEOYAmt05003799
IRS990/TotalAssetsGrp/BOYAmt05343425
IRS990/TotalAssetsGrp/EOYAmt05003799
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0320940
IRS990/TotalFunctionalExpensesGrp/TotalAmt0320940
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04803383
IRS990/TotalLiabilitiesEOYAmt04460003
IRS990/TotalLiabilitiesGrp/BOYAmt04803383
IRS990/TotalLiabilitiesGrp/EOYAmt04460003
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0540042
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0543796
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt01
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt01
IRS990/TotalProgramServiceExpensesAmt0320940
IRS990/TotalProgramServiceRevenueAmt0323502
IRS990/TotalReportableCompFromOrgAmt062927
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0324694
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0324694
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05343425
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05003799
IRS990/TravelGrp/ProgramServicesAmt02327
IRS990/TravelGrp/TotalAmt02327
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07071 UNIVERSITY BLVD STE B
IRS990/USAddress/CityNm0WINTER PARK
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032792
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.FRSACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN UFLAND
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FRSA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRSA
ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine1Txt07071 UNIVERSITY BLVD STE B
ReturnHeader/Filer/USAddress/CityNm0WINTER PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032792
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0FAA5F9C3BCD8DCB50E7D2A8E960D138FFCF86EBD
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0FAA5F9C3BCD8DCB50E7D2A8E960D138FFCF86EBD
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.115.41.3
ReturnHeader/FilingSecurityInformation/IPDt02018-04-25
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0ED
ReturnHeader/FilingSecurityInformation/IPTm019:14:30
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0EWART & ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07480 FAIRWAY DR 207
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI LAKES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033014
ReturnHeader/PreparerPersonGrp/PhoneNum03055574683
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0RICHARD T EWART CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02018-04-25T03:18:04-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,003,799
Liabilities
$4,460,003
Net assets
$543,796
Revenue
$324,694
Expenses
$320,940
Net income
$3,754
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
2017Detailed filing. Detailed filing data is available for this year.$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