Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2022 • EIN 59-1612921

Jan 01, 2022 to Dec 31, 2022 • Filed on Apr 12, 2023

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

89th percentile

0.91x

Higher debt load relative to assets than 89% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

47th percentile

20.84x

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

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

32nd percentile

0.6%

Higher net margin than 32% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

49th percentile

$47,728

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 18.0% of source-year revenue.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Asset Growth

44th percentile

-2.0%

Faster asset growth than 44% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

26th percentile

-6.0%

Faster revenue growth than 26% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets89th percentile

Assets

Down

$6,053,794

Down $126,505 (-2.0%) from 2021

Net Assets

Up

$530,424

Up $1,632 (+0.3%) from 2021

Liabilities

Down

$5,523,370

Down $128,137 (-2.3%) from 2021

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin32nd percentile

Revenue

Down

$265,064

Down $17,006 (-6.0%) from 2021

Expenses

Up

$263,432

Up $3,884 (+1.5%) from 2021

Net Income

Down

$1,632

Down $20,890 (-93%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth44th 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

2022

Assets$6,053,794
Liabilities$5,523,370
Net Assets$530,424
Open 2022 Filing

Operations Trend

Revenue Growth26th 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

2022

Revenue$265,064
Expenses$263,432
Net Income$1,632
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Apr 12, 2023
Return Version
2022v5.0
Gross Receipts
$265,064
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,796,158$4,500,296▲ $704,138
Savings and Temporary Cash Investments$2,220,268$1,398,919▼ $821,349
Rtn Earn Endowment Incm Other Fnds$528,792$530,424▲ $1,632
Investments Program Related$74,273$79,621▲ $5,348
Cash and Non-Interest-Bearing Accounts$45,213$42,009▼ $3,204
Land, Buildings, and Equipment, Net$20,816$14,419▼ $6,397
Accounts Receivable$11,530$11,674▲ $144
Prepaid Expenses and Deferred Charges$12,041$6,856▼ $5,185
Total Assets$6,180,299$6,053,794▼ $126,505
Liabilities
Other Liabilities$5,649,344$5,516,789▼ $132,555
Accounts Payable and Accrued Expenses$2,163$6,581▲ $4,418
Total Liabilities$5,651,507$5,523,370▼ $128,137
Net Assets / Fund Balance
Total Net Assets Fund Balance$528,792$530,424▲ $1,632
Total Liabilities and Net Assets / Fund Balance$6,180,299$6,053,794▼ $126,505

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$26,265--
Equipment$14,419$120,389-
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Marissa TatumCEOFT$47,728$47,728

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$250,603
Investment Income
$13,294
Other Revenue
$1,167
Change in Net Assets
$1,632
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$152,615
Salaries, Compensation, and Employee Benefits$110,817
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$55,284
Other Salaries and Wages---$53,241
Current Officers, Directors, Trustees, and Key Employees---$47,728
Fees for Services Accounting---$29,630
Interest---$16,530
Other Expenses---$15,000
Fees for Services Other---$11,842
Depreciation Depletion---$8,720
Payroll Taxes---$7,900
Insurance---$4,152
Advertising---$3,406
Other Employee Benefits---$1,948
Fees for Services Legal---$1,666
Travel---$328
Total Functional Expenses$0$0$0$263,432
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$5,516,789
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 11B

“Ceo reviews 990 & makes copies avialable to board”

Part VI Line 19

“Financial statements are posted in the lobby”

Part VI Line 19

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

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 avaliable to Board.”

Part VI Line 12C

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

Part VI Line 15A or B

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

Part VI Line 19

“Financial statements are posted in lobby as required.”

Part VI Line 19

“Other required items are avaliable by request.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Adrienne Paul
Title
CEO
Phone
4076577212
Signed
2023-04-12

Organization Details

Principal Officer
Marissa Tatum
Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10
Raw XML Appendix355 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/ExplanationTxt0CEO REVIEWS 990 & MAKES COPIES AVIALABLE TO BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Credit Union is made up of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Each member has one vote in election of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Each member has one vote in election of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CEO reviews form 990 and makes copies avaliable to Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Anyone with a conflict is excluded from related discussions and votes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Industry salary surveys are used to set pay rates by Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Financial statements are posted in lobby as required.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Other required items are avaliable by request.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 6
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 15a or b
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ReturnHeader/Filer/InCareOfNm0% ADRIENNE PAUL
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ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,053,794
Liabilities
$5,523,370
Net assets
$530,424
Revenue
$265,064
Expenses
$263,432
Net income
$1,632
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
2022Detailed filing. Detailed filing data is available for this year.$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
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
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