Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2018 • EIN 59-6137995

Jan 01, 2018 to Dec 31, 2018 • Filed on May 15, 2019

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

27th percentile

0.81x

Higher debt load relative to assets than 27% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Liabilities / Revenue

70th percentile

21.80x

Higher debt load relative to revenue than 70% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Net Margin

92nd percentile

26%

Higher net margin than 92% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Top Officer Pay

96th percentile

$141,087

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 16.5% of source-year revenue.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2018

Asset Growth

25th percentile

-2.9%

Faster asset growth than 25% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Revenue Growth

33rd percentile

5.8%

Faster revenue growth than 33% of similar nonprofits.

2018 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets27th percentile

Assets

Down

$22,970,870

Down $677,877 (-2.9%) from 2017

Net Assets

Up

$4,294,898

Up $223,368 (+5.5%) from 2017

Liabilities

Down

$18,675,972

Down $901,245 (-4.6%) from 2017

Revenue And Expenses
Liabilities / Revenue70th percentileNet Margin92nd percentile

Revenue

Up

$856,558

Up $46,829 (+5.8%) from 2017

Expenses

Up

$633,190

Up $13,966 (+2.3%) from 2017

Net Income

Up

$223,368

Up $32,863 (+17%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth25th 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

2018

Assets$22,970,870
Liabilities$18,675,972
Net Assets$4,294,898
Open 2018 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 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

2018

Revenue$856,558
Expenses$633,190
Net Income$223,368
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 15, 2019
Return Version
2018v3.1
Gross Receipts
$856,558
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$11,747,697$12,097,625▲ $349,928
Investments in Publicly Traded Securities$9,583,274$8,325,159▼ $1,258,115
Rtn Earn Endowment Incm Other Fnds$4,071,530$4,294,898▲ $223,368
Savings and Temporary Cash Investments$1,842,682$1,549,870▼ $292,812
Cash and Non-Interest-Bearing Accounts$316,905$837,100▲ $520,195
Land, Buildings, and Equipment, Net$114,990$117,898▲ $2,908
Accounts Receivable$37,565$37,553▼ $12
Prepaid Expenses and Deferred Charges$5,634$5,665▲ $31
Total Assets$23,648,747$22,970,870▼ $677,877
Liabilities
Other Liabilities$19,510,202$18,608,288▼ $901,914
Accounts Payable and Accrued Expenses$67,015$67,684▲ $669
Total Liabilities$19,577,217$18,675,972▼ $901,245
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,071,530$4,294,898▲ $223,368
Total Liabilities and Net Assets / Fund Balance$23,648,747$22,970,870▼ $677,877

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$47,671$73,164-
Land$41,776--
Equipment$5,457$133,795-
Leasehold Improvements$22,994$11,217-
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$141,087$141,087

Board Members and Trustees

NameTitle
Donald RaglandChairman
Dennis CooperVice Chairman
Harry WelterSecretrary
Wa LowerySecurity
Malcom CobbTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$667,090
Investment Income
$189,468
Other Revenue
$0
Change in Net Assets
$223,368
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$372,620
Salaries, Compensation, and Employee Benefits$260,570
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$231,260$0$0$231,260
Current Officers, Directors, Trustees, and Key Employees$141,087$0$0$141,087
Office Expenses$68,166$0$0$68,166
Comp Disqual Persons$67,724$0$0$67,724
Occupancy$36,824$0$0$36,824
Pension Plan Contributions$29,253$0$0$29,253
Other Expenses$23,573$0$0$23,573
Payroll Taxes$15,421$0$0$15,421
Other Employee Benefits$7,085$0$0$7,085
Travel$5,462$0$0$5,462
Fees for Services Accounting$4,925$0$0$4,925
Advertising$2,410$0$0$2,410
Total Functional Expenses$633,190$0$0$633,190
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
Other$18,608,288
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
2019-05-15
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 Appendix369 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt067015
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt067684
IRS990/AccountsReceivableGrp/BOYAmt037565
IRS990/AccountsReceivableGrp/EOYAmt037553
IRS990/ActivitiesConductedPrtshpInd0false
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
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt02410
IRS990/AdvertisingGrp/TotalAmt02410
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0CHARLES O'QUINN
IRS990/BooksInCareOfDetail/PhoneNum08509946982
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD
IRS990/BooksInCareOfDetail/USAddress/CityNm0PACE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0325710990
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0316905
IRS990/CashNonInterestBearingGrp/EOYAmt0837100
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0141087
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0141087
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt067724
IRS990/CompDisqualPersonsGrp/TotalAmt067724
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0189468
IRS990/CYOtherExpensesAmt0372620
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0667090
IRS990/CYRevenuesLessExpensesAmt0223368
IRS990/CYSalariesCompEmpBnftPaidAmt0260570
IRS990/CYTotalExpensesAmt0633190
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0856558
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0ECCO 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 LOANS AT COMPETITIVELY LOW INTEREST RATES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt03
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt04925
IRS990/FeesForServicesAccountingGrp/TotalAmt04925
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt03.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt13.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt23.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt33.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt43.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0WA LOWERY
IRS990/Form990PartVIISectionAGrp/PersonNm1DONALD RAGLAND
IRS990/Form990PartVIISectionAGrp/PersonNm2DENNIS COOPER
IRS990/Form990PartVIISectionAGrp/PersonNm3MALCOM COBB
IRS990/Form990PartVIISectionAGrp/PersonNm4HARRY WELTER
IRS990/Form990PartVIISectionAGrp/PersonNm5CHARLES O'QUINN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5141087
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0SECURITY
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETRARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0856558
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0231260
IRS990/InterestGrp/TotalAmt0231260
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0189468
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt09583274
IRS990/InvestmentsPubTradedSecGrp/EOYAmt08325159
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0218176
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0114990
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0117898
IRS990/LandBldgEquipCostOrOtherBssAmt0336074
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0SAVINGS 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
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04071530
IRS990/NetAssetsOrFundBalancesEOYAmt04294898
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt036824
IRS990/OccupancyGrp/TotalAmt036824
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt068166
IRS990/OfficeExpensesGrp/TotalAmt068166
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt07085
IRS990/OtherEmployeeBenefitsGrp/TotalAmt07085
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ProgramServicesAmt023573
IRS990/OtherExpensesGrp/TotalAmt023573
IRS990/OtherLiabilitiesGrp/BOYAmt019510202
IRS990/OtherLiabilitiesGrp/EOYAmt018608288
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011747697
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012097625
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt015421
IRS990/PayrollTaxesGrp/TotalAmt015421
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt029253
IRS990/PensionPlanContributionsGrp/TotalAmt029253
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05634
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05665
IRS990/PrincipalOfficerNm0CHARLES O' QUINN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522190
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0667090
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0140384
IRS990/PYOtherExpensesAmt0363719
IRS990/PYProgramServiceRevenueAmt0669345
IRS990/PYRevenuesLessExpensesAmt0190505
IRS990/PYSalariesCompEmpBnftPaidAmt0255505
IRS990/PYTotalExpensesAmt0619224
IRS990/PYTotalRevenueAmt0809729
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0223368
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04071530
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04294898
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01842682
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01549870
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt047671
IRS990ScheduleD/BuildingsGrp/DepreciationAmt073164
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0120835
IRS990ScheduleD/EquipmentGrp/BookValueAmt05457
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0133795
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0139252
IRS990ScheduleD/LandGrp/BookValueAmt041776
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt041776
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt022994
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt011217
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt034211
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018608288
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0117898
IRS990ScheduleD/TotalLiabilityAmt018608288
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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/TotalAssetsBOYAmt023648747
IRS990/TotalAssetsEOYAmt022970870
IRS990/TotalAssetsGrp/BOYAmt023648747
IRS990/TotalAssetsGrp/EOYAmt022970870
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0633190
IRS990/TotalFunctionalExpensesGrp/TotalAmt0633190
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019577217
IRS990/TotalLiabilitiesEOYAmt018675972
IRS990/TotalLiabilitiesGrp/BOYAmt019577217
IRS990/TotalLiabilitiesGrp/EOYAmt018675972
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04071530
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04294898
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0667090
IRS990/TotalReportableCompFromOrgAmt0141087
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0856558
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0856558
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt023648747
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022970870
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt05462
IRS990/TravelGrp/TotalAmt05462
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/BuildTS02020-01-14 16:20:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O'QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-15
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/AtSubmissionCreationDeviceId0FCD2DAFF005ABC6ED0FFD366ACE77815D7D42998
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId099957E942F9C5D65BB5CC307BF901C7E047F3512
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0104.201.93.70
ReturnHeader/FilingSecurityInformation/IPDt02019-05-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0PD
ReturnHeader/FilingSecurityInformation/IPTm018:53:37
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/PreparationDt02019-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joshua C Durst CPA
ReturnHeader/ReturnTs02019-05-15T18:53:44-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,970,870
Liabilities
$18,675,972
Net assets
$4,294,898
Revenue
$856,558
Expenses
$633,190
Net income
$223,368
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
2018Detailed filing. Detailed filing data is available for this year.$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