Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2020 • EIN 59-1612921

Jan 01, 2020 to Dec 31, 2020 • Filed on Apr 14, 2021

Organization ProfileWWW.FRSACU.ORG
3855 N ECONLOCKHATCHEE TRAIL Ste SUOrlando, FL 32793

(407) 657-7212

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Liabilities / Revenue

36th percentile

18.53x

Higher debt load relative to revenue than 36% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Net Margin

46th percentile

5.5%

Higher net margin than 46% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Top Officer Pay

57th percentile

$57,000

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 21.0% of source-year revenue.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2020

Asset Growth

89th percentile

21%

Faster asset growth than 89% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Revenue Growth

76th percentile

-0.7%

Faster revenue growth than 76% of similar nonprofits.

2020 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$5,532,970

Up $946,405 (+21%) from 2019

Net Assets

Up

$506,270

Up $14,759 (+3.0%) from 2019

Liabilities

Up

$5,026,700

Up $931,646 (+23%) from 2019

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin46th percentile

Revenue

Down

$271,238

Down $1,789 (-0.7%) from 2019

Expenses

Up

$256,432

Up $7,417 (+3.0%) from 2019

Net Income

Down

$14,806

Down $9,206 (-38%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth89th 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

2020

Assets$5,532,970
Liabilities$5,026,700
Net Assets$506,270
Open 2020 Filing

Operations Trend

Revenue Growth76th 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

2020

Revenue$271,238
Expenses$256,432
Net Income$14,806
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Apr 14, 2021
Return Version
2020v4.0
Gross Receipts
$271,238
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$3,513,864$4,161,167▲ $647,303
Savings and Temporary Cash Investments$931,315$1,252,007▲ $320,692
Rtn Earn Endowment Incm Other Fnds$491,511$506,270▲ $14,759
Investments Program Related$66,475$65,395▼ $1,080
Cash and Non-Interest-Bearing Accounts$47,934$22,116▼ $25,818
Land, Buildings, and Equipment, Net$10,821$15,989▲ $5,168
Accounts Receivable$11,339$12,459▲ $1,120
Prepaid Expenses and Deferred Charges$4,817$3,837▼ $980
Total Assets$4,586,565$5,532,970▲ $946,405
Liabilities
Other Liabilities$4,082,853$5,020,430▲ $937,577
Accounts Payable and Accrued Expenses$12,201$6,270▼ $5,931
Total Liabilities$4,095,054$5,026,700▲ $931,646
Net Assets / Fund Balance
Total Net Assets Fund Balance$491,511$506,270▲ $14,759
Total Liabilities and Net Assets / Fund Balance$4,586,565$5,532,970▲ $946,405

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$39,130--
Equipment$15,339$104,365-
Leasehold Improvements$650$172-
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

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

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$264,574
Investment Income
$6,664
Other Revenue
$0
Change in Net Assets
$14,806
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$149,681
Salaries, Compensation, and Employee Benefits$106,751
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$64,283
Current Officers, Directors, Trustees, and Key Employees---$57,000
Other Salaries and Wages---$35,408
Fees for Services Accounting---$30,015
Interest---$24,304
Fees for Services Other---$8,055
Payroll Taxes---$7,223
Other Employee Benefits---$7,120
Insurance---$6,414
Depreciation Depletion---$5,488
Other Expenses---$4,731
Advertising---$3,798
Fees for Services Legal---$645
All Other Expenses---$525
Travel---$118
Total Functional Expenses$0$0$0$256,432
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$5,020,430
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 6

“Each member of the credit union is a shareholder with one vote for”

Part VI Line 6

“EACH BOARD POSITION”

Part VI Line 7A

“Each member of the credit union is a shareholder with one vote for”

Part VI Line 7A

“EACH BOARD POSITION”

Part VI Line 11B

“Ceo reviews for and provides copies to the directors”

Part VI Line 12C

“Board memebrs with a conflict are excluded from discussions and voting”

Part VI Line 15A or B

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

Part VI Line 19

“Financial statements are posted in the lobby. Other items are available by”

Filing and Contact Details

Filer

Filer Name
Frsa Credit Union
EIN
59-1612921
In Care Of
% SUSAN LEE
Phone
4076577212
Address
3855 N ECONLOCKHATCHEE TRAIL Ste SU, ORLANDO, FL 32793

Signing Officer

Name
Susan Lee
Title
CEO
Phone
4076577212
Signed
2021-04-14

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 Appendix350 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/ExplanationTxt2EACH MEMBER OF THE CREDIT UNION IS A SHAREHOLDER WITH ONE VOTE FOR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EACH BOARD POSITION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CEO REVIEWS FOR AND PROVIDES COPIES TO THE DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD MEMEBRS WITH A CONFLICT ARE EXCLUDED FROM DISCUSSIONS AND VOTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6INDUSTRY SALARY SURVEYS ARE USED BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY. OTHER ITEMS ARE AVAILABLE BY
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04095054
IRS990/TotalLiabilitiesEOYAmt05026700
IRS990/TotalLiabilitiesGrp/BOYAmt04095054
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IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0790
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0790
IRS990/TotalProgramServiceExpensesAmt0256432
IRS990/TotalProgramServiceRevenueAmt0264574
IRS990/TotalReportableCompFromOrgAmt057000
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05532970
IRS990/TravelGrp/TotalAmt0118
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03855 N ECONLOCKHATCHEE TRAIL Ste SU
IRS990/USAddress/CityNm0ORLANDO
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IRS990/USAddress/ZIPCd032793
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IRS990/VotingMembersIndependentCnt07
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ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/InCareOfNm0% SUSAN LEE
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine1Txt03855 N ECONLOCKHATCHEE TRAIL Ste SU
ReturnHeader/Filer/USAddress/CityNm0ORLANDO
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ReturnHeader/Filer/USAddress/ZIPCd032793
ReturnHeader/ReturnTs02021-04-14T15:27:19-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0SUSAN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0LEE
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,532,970
Liabilities
$5,026,700
Net assets
$506,270
Revenue
$271,238
Expenses
$256,432
Net income
$14,806
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
2020Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

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