Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2021 • EIN 59-1612921

Jan 01, 2021 to Dec 31, 2021 • Filed on Apr 12, 2022

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

87th percentile

0.91x

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

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

32nd percentile

20.04x

Higher debt load relative to revenue than 32% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Net Margin

50th percentile

8.0%

Higher net margin than 50% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

42nd percentile

$39,205

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 13.9% of source-year revenue.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Asset Growth

86th percentile

12%

Faster asset growth than 86% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

78th percentile

4.0%

Faster revenue growth than 78% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets87th percentile

Assets

Up

$6,180,299

Up $647,329 (+12%) from 2020

Net Assets

Up

$528,792

Up $22,522 (+4.4%) from 2020

Liabilities

Up

$5,651,507

Up $624,807 (+12%) from 2020

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin50th percentile

Revenue

Up

$282,070

Up $10,832 (+4.0%) from 2020

Expenses

Up

$259,548

Up $3,116 (+1.2%) from 2020

Net Income

Up

$22,522

Up $7,716 (+52%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth86th 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

2021

Assets$6,180,299
Liabilities$5,651,507
Net Assets$528,792
Open 2021 Filing

Operations Trend

Revenue Growth78th 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

2021

Revenue$282,070
Expenses$259,548
Net Income$22,522
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Apr 12, 2022
Return Version
2021v4.2
Gross Receipts
$282,070
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$4,161,167$3,796,158▼ $365,009
Savings and Temporary Cash Investments$1,252,007$2,220,268▲ $968,261
Rtn Earn Endowment Incm Other Fnds$506,270$528,792▲ $22,522
Investments Program Related$65,395$74,273▲ $8,878
Cash and Non-Interest-Bearing Accounts$22,116$45,213▲ $23,097
Land, Buildings, and Equipment, Net$15,989$20,816▲ $4,827
Prepaid Expenses and Deferred Charges$3,837$12,041▲ $8,204
Accounts Receivable$12,459$11,530▼ $929
Total Assets$5,532,970$6,180,299▲ $647,329
Liabilities
Other Liabilities$5,020,430$5,649,344▲ $628,914
Accounts Payable and Accrued Expenses$6,270$2,163▼ $4,107
Total Liabilities$5,026,700$5,651,507▲ $624,807
Net Assets / Fund Balance
Total Net Assets Fund Balance$506,270$528,792▲ $22,522
Total Liabilities and Net Assets / Fund Balance$5,532,970$6,180,299▲ $647,329

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$26,265--
Equipment$20,816$108,389-
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lee TomlinsonDirectorFT$39,205$39,205
Susan LeeFormer CEOFT$21,894$21,894

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$279,171
Investment Income
$2,899
Other Revenue
$0
Change in Net Assets
$22,522
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$149,882
Salaries, Compensation, and Employee Benefits$109,666
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---$61,099
Office Expenses---$60,404
Other Salaries and Wages---$37,402
Fees for Services Accounting---$28,957
Interest---$26,074
Fees for Services Other---$11,385
Depreciation Depletion---$9,178
Payroll Taxes---$7,795
Insurance---$4,823
Other Expenses---$4,353
Other Employee Benefits---$3,370
Advertising---$2,437
Fees for Services Legal---$613
Travel---$101
Total Functional Expenses$0$0$0$259,548
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$5,649,344
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

“Credit union is made up of members”

Part VI Line 6

“Each member has one vote in election of directors”

Part VI Line 7A

“Each member has one vote in election of directors”

Part VI Line 11B

“CEO reviews form 990 and makes copies availble to Board”

Part VI Line 12C

“Anyone with a conflict is excluded from related discussions and votes”

Part VI Line 15A or B

“Industry slary surveys are used to set pay rates by Board”

Part VI Line 19

“Finanical statements are posted in lobby as required.”

Part VI Line 19

“Other required items are available by request.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Marissa Tatum
Title
CEO
Phone
4076577212
Signed
2022-04-12

Organization Details

Principal Officer
Marissa Tatum
Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10
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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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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SUSAN LEE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LEE TOMLINSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2DONNA DOVE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3GEORGE EBERSOLD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4ADEL TENNYSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5PHILLIP LANE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6MATTHEW CRISWELL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7JERRY SIMS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm8MARISSA TATUM
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt7DIRECTOR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt8CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt021894
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt139205
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit union is made up of members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member has one vote in election of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote in election of directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO reviews form 990 and makes copies availble to Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Anyone with a conflict is excluded from related discussions and votes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Industry slary surveys are used to set pay rates by Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Finanical statements are posted in lobby as required.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Other required items are available by request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 19
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt06180299
IRS990/TotalAssetsGrp/BOYAmt05532970
IRS990/TotalAssetsGrp/EOYAmt06180299
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceExpensesAmt0259458
IRS990/TotalProgramServiceRevenueAmt0279171
IRS990/TotalReportableCompFromOrgAmt061099
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0282070
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0282070
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05532970
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06180299
IRS990/TravelGrp/TotalAmt0101
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03855 N ECONLOCKHATCHEE TRAIL Ste SU
IRS990/USAddress/CityNm0ORLANDO
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032793
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.FRSACU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MARISSA TATUM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04076577212
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-04-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FRSA CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FRSA
ReturnHeader/Filer/EIN0591612921
ReturnHeader/Filer/InCareOfNm0% MARISSA TATUM
ReturnHeader/Filer/PhoneNum04076577212
ReturnHeader/Filer/USAddress/AddressLine1Txt03855 N ECONLOCKHATCHEE TRAIL Ste SU
ReturnHeader/Filer/USAddress/CityNm0ORLANDO
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032793
ReturnHeader/ReturnTs02022-04-12T11:35:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0MARISSA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0TATUM
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,180,299
Liabilities
$5,651,507
Net assets
$528,792
Revenue
$282,070
Expenses
$259,548
Net income
$22,522
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
2021Detailed filing. Detailed filing data is available for this year.$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