Civic Intelligence

Frsa Credit Union

990 • Fiscal year 2023 • EIN 59-1612921

Jan 01, 2023 to Dec 31, 2023 • Filed on Apr 19, 2024

Organization ProfileWWW.FRSACU.ORG
PO Box 5799Winter Park, FL 32793-5799

(407) 657-7212

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.91x

Higher debt load relative to assets than 92% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Liabilities / Revenue

48th percentile

17.07x

Higher debt load relative to revenue than 48% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Net Margin

46th percentile

10%

Higher net margin than 46% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Top Officer Pay

40th percentile

$43,200

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 13.5% of source-year revenue.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2023

Asset Growth

67th percentile

-0.7%

Faster asset growth than 67% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Revenue Growth

45th percentile

21%

Faster revenue growth than 45% of similar nonprofits.

2023 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$6,011,559

Down $42,235 (-0.7%) from 2022

Net Assets

Up

$554,060

Up $23,636 (+4.5%) from 2022

Liabilities

Down

$5,457,499

Down $65,871 (-1.2%) from 2022

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin46th percentile

Revenue

Up

$319,769

Up $54,705 (+21%) from 2022

Expenses

Up

$287,404

Up $23,972 (+9.1%) from 2022

Net Income

Up

$32,365

Up $30,733 (+1883%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth67th 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

2023

Assets$6,011,559
Liabilities$5,457,499
Net Assets$554,060
Open 2023 Filing

Operations Trend

Revenue Growth45th 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

2023

Revenue$319,769
Expenses$287,404
Net Income$32,365
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Apr 19, 2024
Return Version
2023v5.0
Gross Receipts
$319,769
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$4,500,296$4,245,971▼ $254,325
Savings and Temporary Cash Investments$1,398,919$1,636,168▲ $237,249
Rtn Earn Endowment Incm Other Fnds$530,424$554,060▲ $23,636
Investments Program Related$79,621$78,948▼ $673
Cash and Non-Interest-Bearing Accounts$42,009$25,108▼ $16,901
Accounts Receivable$11,674$13,741▲ $2,067
Land, Buildings, and Equipment, Net$14,419$7,753▼ $6,666
Prepaid Expenses and Deferred Charges$6,856$3,870▼ $2,986
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$6,053,794$6,011,559▼ $42,235
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$5,516,789$5,449,427▼ $67,362
Accounts Payable and Accrued Expenses$6,581$8,072▲ $1,491
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$5,523,370$5,457,499▼ $65,871
Net Assets / Fund Balance
Total Net Assets Fund Balance$530,424$554,060▲ $23,636
Total Liabilities and Net Assets / Fund Balance$6,053,794$6,011,559▼ $42,235

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,753$127,055-
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Adrienne PaulManager or CEOFT$43,200$43,200
Marissa TatumFormer CEO-$8,514$8,514

Board Members and Trustees

NameTitle
Phillip LaneBoard Chairperson Board Member
Linda KlompSupervisory Committee Chairperson
Adel TennysonBoard Vice Chairperson Board Member
Charles KennedyBoard Member
George EbersoldBoard Member
Mattheew LeonardBoard Member
Matthew R CriswellBoard Secretary Board Member
Jerry SimsBoard Treasurer Board Member
Carl EngelmeierSupervisory Committee Member
Debra GuidrySupervisory Committee Member
Lisa Pate VanKouwenbergSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$270,614
Investment Income
$48,861
Other Revenue
$294
All Other Contributions
$0
Change in Net Assets
$32,365

Audited Revenue Reconciliation

Revenue per Audited Statements
$319,769
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$319,769
Total Revenue per Form 990
$319,769
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$211,776
Salaries, Compensation, and Employee Benefits$75,628
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$77,196$0$0$77,196
Interest$62,104$0$0$62,104
Current Officers, Directors, Trustees, and Key Employees$52,214$0$0$52,214
Fees for Services Accounting$31,239$0$0$31,239
Fees for Services Other$18,723$0$0$18,723
Other Salaries and Wages$17,705$0$0$17,705
Depreciation Depletion$6,666$0$0$6,666
Payroll Taxes$5,553$0$0$5,553
Insurance$4,374$0$0$4,374
Advertising$1,215$0$0$1,215
Fees for Services Legal$728$0$0$728
Other Employee Benefits$156$0$0$156
Travel$115$0$0$115
Total Functional Expenses$287,404$0$0$287,404

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$287,404
Total Expenses per Audited Statements$287,404
Total Expenses per Form 990$287,404
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$5,449,427
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 7A

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

Part VI, Line 11A

“Ceo reviews 990 & makes copies available to board members”

Part VI, Line 12C

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

Part VI, Line 15

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

Filing and Contact Details

Filer

Filer Name
F R S a Credit Union
EIN
59-1612921
In Care Of
% ADRIENNE PAUL
Phone
4076577212
Address
PO BOX 5799, WINTER PARK, FL 32793-5799

Signing Officer

Name
Adrienne Paul
Title
CEO
Signed
2024-04-19
Discuss with paid preparer
No

Organization Details

Formed
1975
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
3
Volunteers
11

Preparer

Firm
Ewart & Associates LLC
Address
5881 NW 151ST STREET SUITE 115, Miami Lakes, FL 33014
Preparer
Richard Ewart
Supplemental Narrative

Additional Explanations

Item B - Amended Return

“Adjustment to figures”

Part XI, Line 9

“| Description:, Explanation:, Amount:| Implementation of ASU 2016-13. Initial adjustment., Implementation of ASU 2016-13, $-8729|”

Raw XML AppendixShowing 400 of 652 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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IRS990/Form990PartVIISectionAGrp/TitleTxt3Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Chairperson Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Secretary Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Treasurer Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
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IRS990/OtherRevenueMiscGrp/ExclusionAmt10

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,011,559
Liabilities
$5,457,499
Net assets
$554,060
Revenue
$319,769
Expenses
$287,404
Net income
$32,365
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
2023Detailed filing. Detailed filing data is available for this year.$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
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