Civic Intelligence

Ecco Credit Union

EIN 59-6137995 • 501(c)14 • Milton, FL

View Organization Page

Profile

Savings and competitive loans. Ecco credit union is a nonprofit cooperative institution formed for the purpose of encouraging savings by offering a good return and using collective monies.

4644 E Spencer Field RdMilton, FL 32571

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

14th percentile

0.71x

Higher debt load relative to assets than 14% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

35th percentile

15.24x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

72nd percentile

17%

Higher net margin than 72% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

60th percentile

$126,021

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 15.3% of source-year revenue.

$10M-$25M nonprofits • Source year 2024

Asset Growth

6th percentile

-13%

Faster asset growth than 6% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Revenue Growth

34th percentile

2.6%

Faster revenue growth than 34% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets14th percentile

Assets

Down

$17,611,408

Down $5,659,638 (-24%) from 2022

Liabilities

Down

$12,547,929

Down $5,723,421 (-31%) from 2022

Net Assets

Up

$5,063,479

Up $63,783 (+1.3%) from 2022

Operations
Liabilities / Revenue35th percentileNet Margin72nd percentile

Revenue

Up

$823,558

Up $40,558 (+5.2%) from 2022

Expenses

Up

$687,281

Up $113,305 (+20%) from 2022

Net Income

Down

$136,277

Down $72,747 (-35%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth6th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2011: $19,252,488Liabilities 2011: $16,154,421Net Assets 2011: $3,098,0672011Assets 2012: $20,592,314Liabilities 2012: $17,347,590Net Assets 2012: $3,244,7242012Assets 2013: $21,651,668Liabilities 2013: $18,269,226Net Assets 2013: $3,382,4422013Assets 2017: $23,648,747Liabilities 2017: $19,577,217Net Assets 2017: $4,071,5302017Assets 2018: $22,970,870Liabilities 2018: $18,675,972Net Assets 2018: $4,294,8982018Assets 2019: $22,553,063Liabilities 2019: $18,047,097Net Assets 2019: $4,505,9662019Assets 2020: $24,830,335Liabilities 2020: $20,160,625Net Assets 2020: $4,669,7102020Assets 2021: $24,853,995Liabilities 2021: $20,063,323Net Assets 2021: $4,790,6722021Assets 2022: $23,271,046Liabilities 2022: $18,271,350Net Assets 2022: $4,999,6962022Assets 2024: $17,611,408Liabilities 2024: $12,547,929Net Assets 2024: $5,063,4792024

Highlighted filing

2024

Assets$17,611,408
Liabilities$12,547,929
Net Assets$5,063,479
Open 2024 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0Expenses 2011: $674,0502011Expenses 2012: $631,3522012Revenue 2013: $760,101Expenses 2013: $622,383Net Income 2013: $137,7182013Revenue 2017: $809,729Expenses 2017: $619,224Net Income 2017: $190,5052017Revenue 2018: $856,558Expenses 2018: $633,190Net Income 2018: $223,3682018Revenue 2019: $862,385Expenses 2019: $651,317Net Income 2019: $211,0682019Revenue 2020: $813,797Expenses 2020: $650,053Net Income 2020: $163,7442020Revenue 2021: $704,892Expenses 2021: $583,930Net Income 2021: $120,9622021Revenue 2022: $783,000Expenses 2022: $573,976Net Income 2022: $209,0242022Revenue 2024: $823,558Expenses 2024: $687,281Net Income 2024: $136,2772024

Highlighted filing

2024

Revenue$823,558
Expenses$687,281
Net Income$136,277
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$17,611,408
Liabilities
$12,547,929
Net assets
$5,063,479
Revenue
$823,558
Expenses
$687,281
Net income
$136,277
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$12.5$5.06$0.82$0.69$0.14
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.3$18.3$5.00$0.78$0.57$0.21
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.9$20.1$4.79$0.70$0.58$0.12
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$20.2$4.67$0.81$0.65$0.16
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$18.0$4.51$0.86$0.65$0.21
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.0$18.7$4.29$0.86$0.63$0.22
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$23.6$19.6$4.07$0.81$0.62$0.19
2013Detailed filing. Detailed filing data is available for this year.$21.7$18.3$3.38$0.76$0.62$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.6$17.3$3.24$0.63
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.3$16.2$3.10$0.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 23, 2025
Return Version
2024v5.0
Gross Receipts
$1,411,016
Mission and Program Overview

Mission

Savings and competitive loans. Ecco credit union is a non profit cooperative institution formed for the purpose of encouraging savings by offering a good return and using collective monies.

Savings and competitive loans. Ecco credit union is a nonprofit cooperative institution formed for the purpose of encouraging savings by offering a good return and using collective monies.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,527,973$12,703,103▼ $824,870
Rtn Earn Endowment Incm Other Fnds$5,041,001$5,063,479▲ $22,478
Investments Other Securities$3,969,345$3,178,779▼ $790,566
Savings and Temporary Cash Investments$1,775,817$1,373,774▼ $402,043
Cash and Non-Interest-Bearing Accounts$78,418$223,834▲ $145,416
Land, Buildings, and Equipment, Net$98,276$84,458▼ $13,818
Accounts Receivable$39,496$39,431▼ $65
Prepaid Expenses and Deferred Charges$9,709$8,029▼ $1,680
Total Assets$19,499,034$17,611,408▼ $1,887,626
Liabilities
Other Liabilities$14,428,307$12,501,374▼ $1,926,933
Accounts Payable and Accrued Expenses$29,726$46,555▲ $16,829
Total Liabilities$14,458,033$12,547,929▼ $1,910,104
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,041,001$5,063,479▲ $22,478
Total Liabilities and Net Assets / Fund Balance$19,499,034$17,611,408▼ $1,887,626

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$84,458$173,656$258,114
Other Securities$140,929--
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Stephanie H GravesFormer PresiFT$126,021$126,021
CHARLES O'QUINNPresidentPT$13,895$13,895

Board Members and Trustees

NameTitle
Dennis CooperChairman
David HartVice Chairma
Paul BradleySecretary
Donald RaglandSecurity
Wa LoweryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$757,987
Investment Income
$65,571
Other Revenue
$0
Change in Net Assets
$136,277
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$421,607
Salaries, Compensation, and Employee Benefits$265,674
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$223,401
Current Officers, Directors, Trustees, and Key Employees---$139,916
Other Salaries and Wages---$88,545
Fees for Services Other---$76,748
Conferences and Meetings---$26,244
Pension Plan Contributions---$18,871
Payroll Taxes---$18,342
Insurance---$15,224
Occupancy---$14,408
Depreciation Depletion---$13,818
Information Technology---$11,940
Office Expenses---$9,804
Travel---$5,268
Other Expenses---$4,980
All Other Expenses---$520
Total Functional Expenses$0$0$0$687,281
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$12,501,374
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Ecco is a member owned credit union.”

Form 990, Page 6, Part VI, Line 7A

“Each member has voting rights.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Ecco Credit Union
EIN
59-6137995
Phone
8509946982
Address
4644 E SPENCER FIELD RD, MILTON, FL 32571

Signing Officer

Name
CHARLES O'QUINN
Title
President
Phone
8509946982
Signed
2025-07-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
CHARLES O'QUINN
Formed
1956
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
4

Preparer

Firm
Durst Jordan CPA Pa
Address
4459-B HIGHWAY 90, MILTON, FL 32571
Preparer
Joshua C Durst
Phone
8509955000
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Savings and competitive loans. Ecco credit union is a nonprofit cooperative institution formed for the purpose of encouraging savings by offering a good return and using collective monies.”

Form 990, Part IX, Line 11G

“Outside services 76,748 0 0”

Raw XML Appendix321 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.

Path#Value
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IRS990/ConflictOfInterestPolicyInd0true
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IRS990/FeesForServicesOtherGrp/TotalAmt076748
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0WA LOWERY
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IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL BRADLEY
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6FORMER PRESI
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IRS990ScheduleD/TotalBookValueSecuritiesAmt03178779
IRS990ScheduleD/TotalLiabilityAmt012501374
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0SAVINGS AND COMPETITIVE LOANS. ECCO CREDIT UNION IS A NONPROFIT COOPERATIVE INSTITUTION FORMED FOR THE PURPOSE OF ENCOURAGING SAVINGS BY OFFERING A GOOD RETURN AND USING COLLECTIVE MONIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ECCO IS A MEMBER OWNED CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER HAS VOTING RIGHTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OUTSIDE SERVICES 76,748 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019499034
IRS990/TotalAssetsEOYAmt017611408
IRS990/TotalAssetsGrp/BOYAmt019499034
IRS990/TotalAssetsGrp/EOYAmt017611408
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0687281
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt014458033
IRS990/TotalLiabilitiesEOYAmt012547929
IRS990/TotalLiabilitiesGrp/BOYAmt014458033
IRS990/TotalLiabilitiesGrp/EOYAmt012547929
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05041001
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05063479
IRS990/TotalProgramServiceRevenueAmt0757987
IRS990/TotalReportableCompFromOrgAmt0139916
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0823558
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0823558
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019499034
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017611408
IRS990/TravelGrp/TotalAmt05268
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD ROAD
IRS990/USAddress/CityNm0MILTON
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032571
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O'QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECCO
ReturnHeader/Filer/EIN0596137995
ReturnHeader/Filer/PhoneNum08509946982
ReturnHeader/Filer/USAddress/AddressLine1Txt04644 E SPENCER FIELD RD
ReturnHeader/Filer/USAddress/CityNm0MILTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032571
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0450529207
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DURST JORDAN CPA PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04459-B HIGHWAY 90
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MILTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032571
ReturnHeader/PreparerPersonGrp/PhoneNum08509955000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSHUA C DURST
ReturnHeader/ReturnTs02025-07-24T12:53:03-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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