Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2016 • EIN 59-6137995

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 2017

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

31st percentile

0.83x

Higher debt load relative to assets than 31% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

73rd percentile

25.30x

Higher debt load relative to revenue than 73% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

92nd percentile

22%

Higher net margin than 92% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

95th percentile

$128,888

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 16.6% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

84th percentile

6.3%

Faster asset growth than 84% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

23rd percentile

-1.6%

Faster revenue growth than 23% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$23,471,592

Up $1,819,924 (+8.4%) from 2013

Net Assets

Up

$3,881,025

Up $498,583 (+15%) from 2013

Liabilities

Up

$19,590,567

Up $1,321,341 (+7.2%) from 2013

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin92nd percentile

Revenue

Up

$774,370

Up $14,269 (+1.9%) from 2013

Expenses

Down

$603,414

Down $18,969 (-3.0%) from 2013

Net Income

Up

$170,956

Up $33,238 (+24%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth84th 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 2016: $23,471,592Liabilities 2016: $19,590,567Net Assets 2016: $3,881,0252016Assets 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

2016

Assets$23,471,592
Liabilities$19,590,567
Net Assets$3,881,025
Open 2016 Filing

Operations Trend

Revenue Growth23rd 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 2016: $774,370Expenses 2016: $603,414Net Income 2016: $170,9562016Revenue 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

2016

Revenue$774,370
Expenses$603,414
Net Income$170,956
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.0
Gross Receipts
$774,370
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$11,491,108$11,418,894▼ $72,214
Investments in Publicly Traded Securities$8,980,444$9,618,056▲ $637,612
Rtn Earn Endowment Incm Other Fnds$3,710,069$3,881,025▲ $170,956
Savings and Temporary Cash Investments$1,382,732$1,987,449▲ $604,717
Cash and Non-Interest-Bearing Accounts$77,867$302,676▲ $224,809
Land, Buildings, and Equipment, Net$98,604$97,052▼ $1,552
Accounts Receivable$39,429$41,727▲ $2,298
Prepaid Expenses and Deferred Charges$3,068$5,738▲ $2,670
Total Assets$22,073,252$23,471,592▲ $1,398,340
Liabilities
Other Liabilities$18,302,631$19,525,080▲ $1,222,449
Accounts Payable and Accrued Expenses$60,552$65,487▲ $4,935
Total Liabilities$18,363,183$19,590,567▲ $1,227,384
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,710,069$3,881,025▲ $170,956
Total Liabilities and Net Assets / Fund Balance$22,073,252$23,471,592▲ $1,398,340

Asset Categories

AssetBook ValueDepreciationBasis
Land$97,052--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$128,888$128,888

Board Members and Trustees

NameTitle
Harry WelterChairman
Wa LoweryVice Chairman
Dennis CooperSecretary
Malcolm CobbSecurity
Donald RaglandTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$652,168
Investment Income
$122,202
Other Revenue
$0
Change in Net Assets
$170,956
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$354,717
Salaries, Compensation, and Employee Benefits$248,697
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$232,832--$232,832
Current Officers, Directors, Trustees, and Key Employees$128,888--$128,888
Comp Disqual Persons$66,634--$66,634
Office Expenses$60,956--$60,956
Occupancy$30,995--$30,995
Pension Plan Contributions$26,916--$26,916
Other Expenses$17,920--$17,920
Payroll Taxes$14,038--$14,038
Other Employee Benefits$12,221--$12,221
Fees for Services Accounting$5,235--$5,235
Travel$4,800--$4,800
Advertising$1,979--$1,979
Total Functional Expenses$603,414$0$0$603,414
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$19,525,080
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
2017-05-15
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 Appendix326 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/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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECURITY
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
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IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
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IRS990/IndependentVotingMemberCnt05
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0232832
IRS990/InterestGrp/TotalAmt0232832
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt08980444
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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/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03710069
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IRS990/NondeductibleContributionsInd0false
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IRS990/OperateHospitalInd0false
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/TaxableDistributionsInd0false
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IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt023471592
IRS990/TotalAssetsGrp/BOYAmt022073252
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IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0603414
IRS990/TotalFunctionalExpensesGrp/TotalAmt0603414
IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceRevenueAmt0652168
IRS990/TotalReportableCompFromOrgAmt0128888
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0774370
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0774370
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022073252
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023471592
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt04800
IRS990/TravelGrp/TotalAmt04800
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
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IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O'QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECCO
ReturnHeader/Filer/EIN0596137995
ReturnHeader/Filer/PhoneNum08509946982
ReturnHeader/Filer/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD ROAD
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0C2A03ACC79FEC36BC7EE6CFE22D073332EBFB4D1
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId069F8387FCB53A038BD2EB36034BCF043D29878C4
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0107.207.221.214
ReturnHeader/FilingSecurityInformation/IPDt02017-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm013:48:36
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/ReturnTs02017-05-15T13:48:58-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,471,592
Liabilities
$19,590,567
Net assets
$3,881,025
Revenue
$774,370
Expenses
$603,414
Net income
$170,956
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
2016Detailed filing. Detailed filing data is available for this year.$23.5$19.6$3.88$0.77$0.60$0.17
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