Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2018 • EIN 59-1612921

Jan 01, 2018 to Dec 31, 2018 • Filed on May 31, 2019

Organization ProfileWWW.FRSACU.ORG
7071 UNIVERSITY BLVD Ste SUITE 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

87th percentile

0.90x

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

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Liabilities / Revenue

43rd percentile

14.46x

Higher debt load relative to revenue than 43% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Net Margin

10th percentile

-27%

Higher net margin than 10% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Top Officer Pay

83rd percentile

$56,500

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 20.0% of source-year revenue.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2018

Asset Growth

19th percentile

-8.9%

Faster asset growth than 19% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Revenue Growth

7th percentile

-13%

Faster revenue growth than 7% of similar nonprofits.

2018 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets87th percentile

Assets

Down

$4,560,645

Down $443,154 (-8.9%) from 2017

Net Assets

Down

$467,499

Down $76,297 (-14%) from 2017

Liabilities

Down

$4,093,146

Down $366,857 (-8.2%) from 2017

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin10th percentile

Revenue

Down

$283,127

Down $41,567 (-13%) from 2017

Expenses

Up

$359,424

Up $38,484 (+12%) from 2017

Net Income

Down

-$76,297

Down $80,051 (-2132%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth19th 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

2018

Assets$4,560,645
Liabilities$4,093,146
Net Assets$467,499
Open 2018 Filing

Operations Trend

Revenue Growth7th 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

2018

Revenue$283,127
Expenses$359,424
Net Income-$76,297
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 31, 2019
Return Version
2018v3.1
Gross Receipts
$283,127
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.

Programs of credit unions offering personal financial services exclusively to the members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,602,883$3,360,323▼ $242,560
Savings and Temporary Cash Investments$1,284,921$1,078,402▼ $206,519
Rtn Earn Endowment Incm Other Fnds$543,796$467,499▼ $76,297
Investments Program Related$73,583$69,866▼ $3,717
Cash and Non-Interest-Bearing Accounts$15,433$28,607▲ $13,174
Accounts Receivable$12,982$11,307▼ $1,675
Land, Buildings, and Equipment, Net$10,193$8,840▼ $1,353
Prepaid Expenses and Deferred Charges$3,804$3,300▼ $504
Total Assets$5,003,799$4,560,645▼ $443,154
Liabilities
Other Liabilities$4,448,991$4,085,211▼ $363,780
Accounts Payable and Accrued Expenses$11,012$7,935▼ $3,077
Total Liabilities$4,460,003$4,093,146▼ $366,857
Net Assets / Fund Balance
Total Net Assets Fund Balance$543,796$467,499▼ $76,297
Total Liabilities and Net Assets / Fund Balance$5,003,799$4,560,645▼ $443,154

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$26,265--
Equipment$8,840$100,869-
Leasehold Improvements-$14,017-
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan LeeCEOFT$56,500$56,500

Board Members and Trustees

NameTitle
Adel TennysonDirector
Donna DoveDirector
George EbersoldDirector
James CarducciDirector
Jerry SimsDirector
Matthew CriswellDirector
Phillip LaneDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$278,895
Investment Income
$2,732
Other Revenue
$1,500
Change in Net Assets
$-76,297
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$253,716
Salaries, Compensation, and Employee Benefits$105,708
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$107,790
Current Officers, Directors, Trustees, and Key Employees---$56,500
Office Expenses---$54,140
Other Salaries and Wages---$34,084
Fees for Services Accounting---$28,101
Interest---$23,924
Fees for Services Other---$10,469
Other Employee Benefits---$7,941
Payroll Taxes---$7,183
Occupancy---$6,750
Insurance---$5,939
Depreciation Depletion---$3,397
Fees for Services Legal---$2,691
Advertising---$2,496
All Other Expenses---$1,979
Travel---$312
Total Functional Expenses$0$0$0$359,424
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$4,085,211
Governance and Compliance

Governance Checklist

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

Part VI Line 6

“Organization is comprised of credit union members”

Part VI Line 7A

“Board is elected from the memebrship by the members”

Part VI Line 11B

“Ceo reviews form and provides copies to board”

Part VI Line 12C

“Volunters are required to refrain from discusisng and voting on items that”

Part VI Line 12C

“May be a conflict of interest”

Part VI Line 15A or B

“Board uses industry salary surveys to set salaries”

Part VI Line 19

“Financial statements are posted in the lobby and other items”

Part VI Line 19

“That are required to be disclosed are available upon request”

Section C Line 19

“Financial statements are posted in the lobby and other items that are requi”

Filing and Contact Details

Filer

Filer Name
Frsa Credit Union
EIN
59-1612921
In Care Of
% SUSAN LEE
Phone
4076577212
Address
7071 UNIVERSITY BLVD Ste SUITE B, WINTER PARK, FL 32792

Signing Officer

Name
Susan Lee
Title
CEO
Phone
4076577212
Signed
2019-05-31

Organization Details

Principal Officer
Susan Lee
Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10
Supplemental Narrative

Additional Explanations

Section B Line 12C

“Employees are restricted from processing transactions on their own behalf o”

Section B Line 15A

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

Raw XML Appendix358 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD IS ELECTED FROM THE MEMEBRSHIP BY THE MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO REVIEWS FORM AND PROVIDES COPIES TO BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3VOLUNTERS ARE REQUIRED TO REFRAIN FROM DISCUSISNG AND VOTING ON ITEMS THAT
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MAY BE A CONFLICT OF INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD USES INDUSTRY SALARY SURVEYS TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EMPLOYEES ARE RESTRICTED FROM PROCESSING TRANSACTIONS ON THEIR OWN BEHALF O
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CREDIT UNION INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE REQUI
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8SECTION B LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9SECTION B LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10SECTION C LINE 19
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceExpensesAmt0359424
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IRS990/TotalReportableCompFromOrgAmt056500
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IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0WINTER PARK
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FRSACU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN LEE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04076577212
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FRSA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRSA
ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/InCareOfNm0% SUSAN LEE
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine1Txt07071 UNIVERSITY BLVD Ste SUITE B
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ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520191516687854
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02019-05-31
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt073.85.200.210
ReturnHeader/ReturnTs02019-05-31T15:10:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,560,645
Liabilities
$4,093,146
Net assets
$467,499
Revenue
$283,127
Expenses
$359,424
Net income
-$76,297
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
2018Detailed filing. Detailed filing data is available for this year.$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