Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2019 • EIN 59-6137995

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 25, 2020

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

25th percentile

0.80x

Higher debt load relative to assets than 25% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

72nd percentile

20.93x

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

89th percentile

24%

Higher net margin than 89% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

96th percentile

$143,390

Higher top officer pay than 96% of similar nonprofits.

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

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

26th percentile

-1.8%

Faster asset growth than 26% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

21st percentile

0.7%

Faster revenue growth than 21% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets25th percentile

Assets

Down

$22,553,063

Down $417,807 (-1.8%) from 2018

Net Assets

Up

$4,505,966

Up $211,068 (+4.9%) from 2018

Liabilities

Down

$18,047,097

Down $628,875 (-3.4%) from 2018

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin89th percentile

Revenue

Up

$862,385

Up $5,827 (+0.7%) from 2018

Expenses

Up

$651,317

Up $18,127 (+2.9%) from 2018

Net Income

Down

$211,068

Down $12,300 (-5.5%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth26th 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

2019

Assets$22,553,063
Liabilities$18,047,097
Net Assets$4,505,966
Open 2019 Filing

Operations Trend

Revenue Growth21st 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

2019

Revenue$862,385
Expenses$651,317
Net Income$211,068
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 25, 2020
Return Version
2019v5.0
Gross Receipts
$862,385
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$12,097,625$12,219,019▲ $121,394
Investments in Publicly Traded Securities$8,325,159$6,070,027▼ $2,255,132
Rtn Earn Endowment Incm Other Fnds$4,294,898$4,505,966▲ $211,068
Savings and Temporary Cash Investments$1,549,870$3,640,915▲ $2,091,045
Cash and Non-Interest-Bearing Accounts$837,100$473,752▼ $363,348
Land, Buildings, and Equipment, Net$117,898$108,847▼ $9,051
Accounts Receivable$37,553$34,741▼ $2,812
Prepaid Expenses and Deferred Charges$5,665$5,762▲ $97
Total Assets$22,970,870$22,553,063▼ $417,807
Liabilities
Other Liabilities$18,608,288$17,976,779▼ $631,509
Accounts Payable and Accrued Expenses$67,684$70,318▲ $2,634
Total Liabilities$18,675,972$18,047,097▼ $628,875
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,294,898$4,505,966▲ $211,068
Total Liabilities and Net Assets / Fund Balance$22,970,870$22,553,063▼ $417,807

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$108,847$227,227$336,074
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$143,390$143,390

Board Members and Trustees

NameTitle
Dennis CooperChairman
Malcom CobbSecretary
Donald RaglandSecurity
Wa LoweryTreasurer
Harry WelterVice Charima
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$700,412
Investment Income
$161,973
Other Revenue
$0
Change in Net Assets
$211,068
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$387,345
Salaries, Compensation, and Employee Benefits$263,972
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$231,367--$231,367
Comp Disqual Persons$143,390--$143,390
Office Expenses$72,793--$72,793
Other Salaries and Wages$60,707--$60,707
Occupancy$41,106--$41,106
Pension Plan Contributions$29,876--$29,876
Other Expenses$27,575--$27,575
Payroll Taxes$16,799--$16,799
Other Employee Benefits$13,200--$13,200
Travel$5,772--$5,772
Fees for Services Accounting$4,528--$4,528
Advertising$4,204--$4,204
Total Functional Expenses$651,317$0$0$651,317
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$17,976,779
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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 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 EAST SPENCERFIELD ROAD, MILTON, FL 32571-0990

Signing Officer

Name
CHARLES O'QUINN
Title
President
Phone
8509946982
Signed
2020-02-25
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 HIGHWAY 90, MILTON, FL 32571
Preparer
Joshua C Durst
Phone
8509955000
Supplemental Narrative

Additional Explanations

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

“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 loans at competitively low interest rates.”

Raw XML Appendix303 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
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ReturnHeader/BuildTS02020-09-22 18:59:49Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-25
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/AtSubmissionCreationDeviceId099957E942F9C5D65BB5CC307BF901C7E047F3512
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId099957E942F9C5D65BB5CC307BF901C7E047F3512
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0104.201.93.70
ReturnHeader/FilingSecurityInformation/IPDt02020-02-28
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm020:43:23
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/PreparationDt02020-02-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSHUA C DURST
ReturnHeader/ReturnTs02020-02-28T20:43:23-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$22,553,063
Liabilities
$18,047,097
Net assets
$4,505,966
Revenue
$862,385
Expenses
$651,317
Net income
$211,068
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
2019Detailed filing. Detailed filing data is available for this year.$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