Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2017 • EIN 59-6137995

Jan 01, 2017 to Dec 31, 2017 • Filed on May 10, 2018

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

30th percentile

0.83x

Higher debt load relative to assets than 30% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Liabilities / Revenue

72nd percentile

24.18x

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

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Net Margin

93rd percentile

24%

Higher net margin than 93% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Top Officer Pay

97th percentile

$132,152

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 16.3% of source-year revenue.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2017

Asset Growth

44th percentile

0.8%

Faster asset growth than 44% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Revenue Growth

56th percentile

4.6%

Faster revenue growth than 56% of similar nonprofits.

2017 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$23,648,747

Up $1,997,079 (+9.2%) from 2013

Net Assets

Up

$4,071,530

Up $689,088 (+20%) from 2013

Liabilities

Up

$19,577,217

Up $1,307,991 (+7.2%) from 2013

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin93rd percentile

Revenue

Up

$809,729

Up $49,628 (+6.5%) from 2013

Expenses

Down

$619,224

Down $3,159 (-0.5%) from 2013

Net Income

Up

$190,505

Up $52,787 (+38%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth44th 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 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

2017

Assets$23,648,747
Liabilities$19,577,217
Net Assets$4,071,530
Open 2017 Filing

Operations Trend

Revenue Growth56th 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 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

2017

Revenue$809,729
Expenses$619,224
Net Income$190,505
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 10, 2018
Return Version
2017v2.2
Gross Receipts
$809,729
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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,418,894$11,747,697▲ $328,803
Investments in Publicly Traded Securities$9,618,056$9,583,274▼ $34,782
Rtn Earn Endowment Incm Other Fnds$3,881,025$4,071,530▲ $190,505
Savings and Temporary Cash Investments$1,987,449$1,842,682▼ $144,767
Cash and Non-Interest-Bearing Accounts$302,676$316,905▲ $14,229
Land, Buildings, and Equipment, Net$97,052$114,990▲ $17,938
Accounts Receivable$41,727$37,565▼ $4,162
Prepaid Expenses and Deferred Charges$5,738$5,634▼ $104
Total Assets$23,471,592$23,648,747▲ $177,155
Liabilities
Other Liabilities$19,525,080$19,510,202▼ $14,878
Accounts Payable and Accrued Expenses$65,487$67,015▲ $1,528
Total Liabilities$19,590,567$19,577,217▼ $13,350
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,881,025$4,071,530▲ $190,505
Total Liabilities and Net Assets / Fund Balance$23,471,592$23,648,747▲ $177,155

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$50,730$70,105-
Land$41,776--
Equipment$9,506$129,746-
Leasehold Improvements$12,978$7,420-
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$132,152$132,152

Board Members and Trustees

NameTitle
Wa LoweryChairman
Donald RaglandVice Chairman
Malcom CobbSecretary
Harry WelterSecurity
Dennis CooperTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$669,345
Investment Income
$140,384
Other Revenue
$0
Change in Net Assets
$190,505
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$363,719
Salaries, Compensation, and Employee Benefits$255,505
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$236,324--$236,324
Current Officers, Directors, Trustees, and Key Employees$132,152--$132,152
Comp Disqual Persons$65,220--$65,220
Office Expenses$61,707--$61,707
Occupancy$31,723--$31,723
Pension Plan Contributions$28,272--$28,272
Other Expenses$21,910--$21,910
Payroll Taxes$18,215--$18,215
Other Employee Benefits$11,646--$11,646
Travel$4,980--$4,980
Fees for Services Accounting$4,175--$4,175
Advertising$2,900--$2,900
Total Functional Expenses$619,224$0$0$619,224
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$19,510,202
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
2018-05-10
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
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 Appendix339 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/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECURITY
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
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IRS990/GrantsToIndividualsInd0false
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IRS990/GrantToRelatedPersonInd0false
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IRS990/InterestGrp/ProgramServicesAmt0236324
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt09618056
IRS990/InvestmentsPubTradedSecGrp/EOYAmt09583274
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/NetAssetsOrFundBalancesBOYAmt03881025
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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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt023471592
IRS990/TotalAssetsEOYAmt023648747
IRS990/TotalAssetsGrp/BOYAmt023471592
IRS990/TotalAssetsGrp/EOYAmt023648747
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0619224
IRS990/TotalFunctionalExpensesGrp/TotalAmt0619224
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019590567
IRS990/TotalLiabilitiesEOYAmt019577217
IRS990/TotalLiabilitiesGrp/BOYAmt019590567
IRS990/TotalLiabilitiesGrp/EOYAmt019577217
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03881025
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04071530
IRS990/TotalProgramServiceExpensesAmt0619224
IRS990/TotalProgramServiceRevenueAmt0669345
IRS990/TotalReportableCompFromOrgAmt0132152
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0809729
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0809729
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt023471592
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023648747
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt04980
IRS990/TravelGrp/TotalAmt04980
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O'QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECCO
ReturnHeader/Filer/EIN0596137995
ReturnHeader/Filer/PhoneNum08509946982
ReturnHeader/Filer/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD ROAD
ReturnHeader/Filer/USAddress/CityNm0MILTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd0325710990
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0114CCF8AF97AA689449259FF720410D797BA77A4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01750440F3D4ACB282103F66F6B65FFE1EED82477
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0104.201.93.70
ReturnHeader/FilingSecurityInformation/IPDt02018-05-10
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm010:10:25
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DURST JORDAN CPA PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04459-B HWY 90
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PACE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032571
ReturnHeader/PreparerPersonGrp/PhoneNum08509955000
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSHUA C DURST CPA
ReturnHeader/ReturnTs02018-05-10T10:10:33-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,648,747
Liabilities
$19,577,217
Net assets
$4,071,530
Revenue
$809,729
Expenses
$619,224
Net income
$190,505
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
2017Detailed filing. Detailed filing data is available for this year.$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