Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2019 • EIN 59-1612921

Jan 01, 2019 to Dec 31, 2019 • Filed on Mar 31, 2020

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

83rd percentile

0.89x

Higher debt load relative to assets than 83% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Liabilities / Revenue

47th percentile

15.00x

Higher debt load relative to revenue than 47% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Net Margin

56th percentile

8.8%

Higher net margin than 56% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Top Officer Pay

88th percentile

$57,000

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 20.9% of source-year revenue.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2019

Asset Growth

64th percentile

0.6%

Faster asset growth than 64% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Revenue Growth

24th percentile

-3.6%

Faster revenue growth than 24% of similar nonprofits.

2019 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$4,586,565

Up $25,920 (+0.6%) from 2018

Net Assets

Up

$491,511

Up $24,012 (+5.1%) from 2018

Liabilities

Up

$4,095,054

Up $1,908 (+0.0%) from 2018

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin56th percentile

Revenue

Down

$273,027

Down $10,100 (-3.6%) from 2018

Expenses

Down

$249,015

Down $110,409 (-31%) from 2018

Net Income

Up

$24,012

Up $100,309 (+131%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth64th 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

2019

Assets$4,586,565
Liabilities$4,095,054
Net Assets$491,511
Open 2019 Filing

Operations Trend

Revenue Growth24th 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

2019

Revenue$273,027
Expenses$249,015
Net Income$24,012
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Mar 31, 2020
Return Version
2019v5.0
Gross Receipts
$273,027
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$3,360,323$3,513,864▲ $153,541
Savings and Temporary Cash Investments$1,078,402$931,315▼ $147,087
Rtn Earn Endowment Incm Other Fnds$467,499$491,511▲ $24,012
Investments Program Related$69,866$66,475▼ $3,391
Cash and Non-Interest-Bearing Accounts$28,607$47,934▲ $19,327
Accounts Receivable$11,307$11,339▲ $32
Land, Buildings, and Equipment, Net$8,840$10,821▲ $1,981
Prepaid Expenses and Deferred Charges$3,300$4,817▲ $1,517
Total Assets$4,560,645$4,586,565▲ $25,920
Liabilities
Other Liabilities$4,085,211$4,082,853▼ $2,358
Accounts Payable and Accrued Expenses$7,935$12,201▲ $4,266
Total Liabilities$4,093,146$4,095,054▲ $1,908
Net Assets / Fund Balance
Total Net Assets Fund Balance$467,499$491,511▲ $24,012
Total Liabilities and Net Assets / Fund Balance$4,560,645$4,586,565▲ $25,920

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$40,210--
Equipment$10,821$103,985-
Leasehold Improvements-$14,017-
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Susan LeeCEOFT$57,000$57,000

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
$255,277
Investment Income
$17,750
Other Revenue
$0
Change in Net Assets
$24,012
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$142,660
Salaries, Compensation, and Employee Benefits$106,355
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$60,422
Current Officers, Directors, Trustees, and Key Employees---$57,000
Other Salaries and Wages---$34,173
Fees for Services Accounting---$28,928
Interest---$22,206
Fees for Services Other---$10,942
Other Employee Benefits---$7,921
Payroll Taxes---$7,261
Insurance---$6,293
Other Expenses---$4,044
Advertising---$3,874
Depreciation Depletion---$3,115
Fees for Services Legal---$1,005
Conferences and Meetings---$625
Total Functional Expenses$0$0$0$249,015
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$4,082,853
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 35% controlled entity
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Credit union is comprised of members”

Part VI Line 6

“Each member gets one vote in election of board of directors”

Part VI Line 7A

“Each member gets one vote in election of board of directors”

Part VI Line 11B

“Ceo reviews 990 & makes copies avialable to board”

Part VI Line 12C

“Members with possible conflicts are excused from discussions & voting”

Part VI Line 15A or B

“Industry salary surveys are used as a guide by the board to set salaries”

Part VI Line 15A or B

“CEO position 2017”

Part VI Line 18

“Financial statements are posted in the lobby”

Part VI Line 18

“Other items that are required to be disclosed are available upon request”

Part VI Line 19

“Items that are required to be disclosed are available upon request”

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
2020-03-31

Organization Details

Principal Officer
Susan Lee
Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
10
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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER GETS ONE VOTE IN ELECTION OF BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER GETS ONE VOTE IN ELECTION OF BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO REVIEWS 990 & MAKES COPIES AVIALABLE TO BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERS WITH POSSIBLE CONFLICTS ARE EXCUSED FROM DISCUSSIONS & VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CEO position 2017
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Part VI Line 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt0125
IRS990/TotalLiabilitiesBOYAmt04093146
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0467499
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IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0807
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0807
IRS990/TotalProgramServiceExpensesAmt0249015
IRS990/TotalProgramServiceRevenueAmt0255277
IRS990/TotalReportableCompFromOrgAmt057000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0272902
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0273027
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IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUSAN LEE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04076577212
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-03-31
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
ReturnHeader/Filer/USAddress/CityNm0WINTER PARK
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ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520200910499268
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02020-03-31
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.115.41.3
ReturnHeader/ReturnTs02020-03-31T15:25:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,586,565
Liabilities
$4,095,054
Net assets
$491,511
Revenue
$273,027
Expenses
$249,015
Net income
$24,012
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
2019Detailed filing. Detailed filing data is available for this year.$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