Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2014 • EIN 59-6137995

Jan 01, 2014 to Dec 31, 2014 • Filed on May 13, 2015

Organization ProfileN/A

View Organization Page

4644 East Spencerfield RoadMilton, FL 32571-0990

(850) 994-6982

Siviq Scores

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

Liabilities / Assets

35th percentile

0.84x

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

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

72nd percentile

24.88x

Higher debt load relative to revenue than 72% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

88th percentile

19%

Higher net margin than 88% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

92nd percentile

$115,201

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 15.6% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

41st percentile

0.9%

Faster asset growth than 41% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

33rd percentile

-3.1%

Faster revenue growth than 33% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$21,843,175

Up $191,507 (+0.9%) from 2013

Net Assets

Up

$3,521,533

Up $139,091 (+4.1%) from 2013

Liabilities

Up

$18,321,642

Up $52,416 (+0.3%) from 2013

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin88th percentile

Revenue

Down

$736,280

Down $23,821 (-3.1%) from 2013

Expenses

Down

$597,189

Down $25,194 (-4.0%) from 2013

Net Income

Up

$139,091

Up $1,373 (+1.0%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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 2014: $21,843,175Liabilities 2014: $18,321,642Net Assets 2014: $3,521,5332014Assets 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

2014

Assets$21,843,175
Liabilities$18,321,642
Net Assets$3,521,533
Open 2014 Filing

Operations Trend

Revenue Growth33rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0Expenses 2011: $674,0502011Expenses 2012: $631,3522012Revenue 2013: $760,101Expenses 2013: $622,383Net Income 2013: $137,7182013Revenue 2014: $736,280Expenses 2014: $597,189Net Income 2014: $139,0912014Revenue 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

2014

Revenue$736,280
Expenses$597,189
Net Income$139,091
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 13, 2015
Return Version
2014v5.0
Gross Receipts
$736,280
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 non-profit cooperative institution formed for the purpose of encouraging savings by offering a good return and using collective monies to make loands at competitively low interest rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$10,218,237$10,685,786▲ $467,549
Investments in Publicly Traded Securities$9,364,193$9,621,443▲ $257,250
Rtn Earn Endowment Incm Other Fnds$3,382,442$3,521,533▲ $139,091
Savings and Temporary Cash Investments$1,454,741$1,182,005▼ $272,736
Cash and Non-Interest-Bearing Accounts$454,320$207,554▼ $246,766
Land, Buildings, and Equipment, Net$109,509$101,663▼ $7,846
Accounts Receivable$37,625$31,340▼ $6,285
Prepaid Expenses and Deferred Charges$13,043$13,384▲ $341
Total Assets$21,651,668$21,843,175▲ $191,507
Liabilities
Other Liabilities$18,205,714$18,258,032▲ $52,318
Accounts Payable and Accrued Expenses$63,512$63,610▲ $98
Total Liabilities$18,269,226$18,321,642▲ $52,416
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,382,442$3,521,533▲ $139,091
Total Liabilities and Net Assets / Fund Balance$21,651,668$21,843,175▲ $191,507

Asset Categories

AssetBook ValueDepreciationBasis
Land$101,663--
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$115,201$115,201

Board Members and Trustees

NameTitle
Donald RaglandChairman
Malcolm CobbVice Chairman
Harry WelterSecretary
Larry GloverSecurity
Wa LoweryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$636,083
Investment Income
$100,197
Other Revenue
$0
Change in Net Assets
$139,091
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$361,854
Salaries, Compensation, and Employee Benefits$234,850
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$227,365--$227,365
Current Officers, Directors, Trustees, and Key Employees$115,201--$115,201
Office Expenses$77,325--$77,325
Comp Disqual Persons$45,463--$45,463
Other Employee Benefits$37,055--$37,055
Occupancy$32,560--$32,560
Pension Plan Contributions$24,840--$24,840
Other Expenses$18,143--$18,143
Payroll Taxes$12,291--$12,291
Fees for Services Accounting$3,925--$3,925
Advertising$2,536--$2,536
Benefits to Members$485--$485
Total Functional Expenses$597,189$0$0$597,189
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
Other$18,258,032
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Ecco Credit Union
EIN
59-6137995
Phone
8509946982
Address
4644 EAST SPENCERFIELD ROAD, MILTON, FL 32571-0990

Signing Officer

Name
CHARLES O' QUINN
Title
President
Phone
8509946982
Signed
2015-05-13
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
3
Volunteers
11

Preparer

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

Additional Explanations

Pt VI, Line 6

“The credit union has 1100 members, no stockholders”

Pt VI, Line 7A

“The members elect the board of directors through ballot system”

Pt VI, Line 7B

“Certain situations require member approval, otherwise coard approval only is required”

Pt VI, Line 10B

“The form 990 is presented to the board for approval before filing”

Pt VI, Line 15A

“The board of directors approves exec compensation and are independent of the director”

Pt VI, Line 19

“These documents are posted in the lobby of the credit union and all is open to public inspection”

Pt VI, Line 19

“In addition, this information is made available at the annual meeting”

Pt VI, Line 11B

“The form 990 is presented to the board for approval before filing”

Pt VI, Line 8A

“Minutes are recorded from each meeting”

Pt VI, Line 8B

“Minutes are recorded from each meeting”

Pt VI, Line 10B

“There are no branches or affiliates of this credit union”

Pt VI, Line 15B

“The board of directors approves exec compensation and are independent of the director”

Raw XML Appendix323 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/ActivityOrMissionDesc0SAVINGS 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 TO MAKE LOANDS AT COMPETITIVELY LOW INTEREST RATES.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECURITY
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/GroupReturnForAffiliatesInd0false
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IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0227365
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IRS990/InvestmentsPubTradedSecGrp/BOYAmt09364193
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IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
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IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0SAVINGS AND COMPETITIVE LOANS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03382442
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IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS 1100 MEMBERS, NO STOCKHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS THROUGH BALLOT SYSTEM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SITUATIONS REQUIRE MEMBER APPROVAL, OTHERWISE COARD APPROVAL ONLY IS REQUIRED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS PRESENTED TO THE BOARD FOR APPROVAL BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS APPROVES EXEC COMPENSATION AND ARE INDEPENDENT OF THE DIRECTOR
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THESE DOCUMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION AND ALL IS OPEN TO PUBLIC INSPECTION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6IN ADDITION, THIS INFORMATION IS MADE AVAILABLE AT THE ANNUAL MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE FORM 990 IS PRESENTED TO THE BOARD FOR APPROVAL BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8MINUTES ARE RECORDED FROM EACH MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9MINUTES ARE RECORDED FROM EACH MEETING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THERE ARE NO BRANCHES OR AFFILIATES OF THIS CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11THE BOARD OF DIRECTORS APPROVES EXEC COMPENSATION AND ARE INDEPENDENT OF THE DIRECTOR
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Pt VI, Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Pt VI, Line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Pt VI, Line 10b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Pt VI, Line 15b
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IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt021651668
IRS990/TotalAssetsEOYAmt021843175
IRS990/TotalAssetsGrp/BOYAmt021651668
IRS990/TotalAssetsGrp/EOYAmt021843175
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0597189
IRS990/TotalFunctionalExpensesGrp/TotalAmt0597189
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018269226
IRS990/TotalLiabilitiesEOYAmt018321642
IRS990/TotalLiabilitiesGrp/BOYAmt018269226
IRS990/TotalLiabilitiesGrp/EOYAmt018321642
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03382442
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03521533
IRS990/TotalProgramServiceExpensesAmt0597189
IRS990/TotalProgramServiceRevenueAmt0636083
IRS990/TotalReportableCompFromOrgAmt0115201
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0736280
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0736280
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IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021651668
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021843175
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD ROAD
IRS990/USAddress/CityNm0PACE
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032571
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O' QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECCO
ReturnHeader/Filer/EIN0596137995
ReturnHeader/Filer/PhoneNum08509946982
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ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DURST JORDAN CPA PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04459-B HWY 90
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PACE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
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ReturnHeader/PreparerPersonGrp/PhoneNum08509955000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSHUA C DURST CPA
ReturnHeader/ReturnTs02015-05-14T07:01:27-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,843,175
Liabilities
$18,321,642
Net assets
$3,521,533
Revenue
$736,280
Expenses
$597,189
Net income
$139,091
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
2014Detailed filing. Detailed filing data is available for this year.$21.8$18.3$3.52$0.74$0.60$0.14
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