Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2020 • EIN 59-6137995

Jan 01, 2020 to Dec 31, 2020 • Filed on Jun 04, 2021

Organization ProfileN/A

View Organization Page

4644 E Spencer Field RdMilton, FL 32571

(850) 994-6982

Siviq Scores

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

Liabilities / Assets

26th percentile

0.81x

Higher debt load relative to assets than 26% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Liabilities / Revenue

68th percentile

24.77x

Higher debt load relative to revenue than 68% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Net Margin

85th percentile

20%

Higher net margin than 85% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Top Officer Pay

96th percentile

$148,492

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 18.2% of source-year revenue.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2020

Asset Growth

39th percentile

10%

Faster asset growth than 39% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Revenue Growth

53rd percentile

-5.6%

Faster revenue growth than 53% of similar nonprofits.

2020 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$24,830,335

Up $2,277,272 (+10%) from 2019

Net Assets

Up

$4,669,710

Up $163,744 (+3.6%) from 2019

Liabilities

Up

$20,160,625

Up $2,113,528 (+12%) from 2019

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin85th percentile

Revenue

Down

$813,797

Down $48,588 (-5.6%) from 2019

Expenses

Down

$650,053

Down $1,264 (-0.2%) from 2019

Net Income

Down

$163,744

Down $47,324 (-22%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth39th 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

2020

Assets$24,830,335
Liabilities$20,160,625
Net Assets$4,669,710
Open 2020 Filing

Operations Trend

Revenue Growth53rd 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

2020

Revenue$813,797
Expenses$650,053
Net Income$163,744
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Jun 4, 2021
Return Version
2020v4.0
Gross Receipts
$813,797
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$12,219,019$11,331,680▼ $887,339
Savings and Temporary Cash Investments$3,640,915$7,152,847▲ $3,511,932
Investments in Publicly Traded Securities$6,070,027$5,612,899▼ $457,128
Rtn Earn Endowment Incm Other Fnds$4,505,966$4,669,710▲ $163,744
Cash and Non-Interest-Bearing Accounts$473,752$591,161▲ $117,409
Land, Buildings, and Equipment, Net$108,847$100,353▼ $8,494
Accounts Receivable$34,741$35,942▲ $1,201
Prepaid Expenses and Deferred Charges$5,762$5,453▼ $309
Total Assets$22,553,063$24,830,335▲ $2,277,272
Liabilities
Other Liabilities$17,976,779$20,089,346▲ $2,112,567
Accounts Payable and Accrued Expenses$70,318$71,279▲ $961
Total Liabilities$18,047,097$20,160,625▲ $2,113,528
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,505,966$4,669,710▲ $163,744
Total Liabilities and Net Assets / Fund Balance$22,553,063$24,830,335▲ $2,277,272

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$100,353$238,406$338,759
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseTotal
CHARLES O'QUINNPresidentFT$148,492$148,492

Board Members and Trustees

NameTitle
Wa LoweryChairman
Malcom CobbVice Chairma
Harry WelterSecretary
Dennis CooperSecurity
Donald RaglandTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$679,270
Investment Income
$134,527
Other Revenue
$0
Change in Net Assets
$163,744
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$408,297
Salaries, Compensation, and Employee Benefits$241,756
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$248,047--$248,047
Comp Disqual Persons$148,492--$148,492
Other Salaries and Wages$58,035--$58,035
Occupancy$45,424--$45,424
Office Expenses$32,438--$32,438
Insurance$23,848--$23,848
Pension Plan Contributions$19,942--$19,942
Payroll Taxes$15,287--$15,287
Fees for Services Other$12,156--$12,156
Other Expenses$6,000--$6,000
Travel$5,754--$5,754
All Other Expenses$4,918--$4,918
Fees for Services Accounting$4,655--$4,655
Advertising$2,433--$2,433
Total Functional Expenses$650,053$0$0$650,053
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$20,089,346
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 E SPENCER FIELD RD, MILTON, FL 32571

Signing Officer

Name
CHARLES O'QUINN
Title
President
Phone
8509946982
Signed
2021-06-04
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

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 Appendix310 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/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt04644 EAST SPENCERFIELD ROAD
IRS990/USAddress/CityNm0MILTON
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032571
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CHARLES O'QUINN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-06-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ECCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ECCO
ReturnHeader/Filer/EIN0596137995
ReturnHeader/Filer/PhoneNum08509946982
ReturnHeader/Filer/USAddress/AddressLine1Txt04644 E SPENCER FIELD RD
ReturnHeader/Filer/USAddress/CityNm0MILTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd032571
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/PreparationDt02021-06-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JOSHUA C DURST
ReturnHeader/ReturnTs02021-06-07T15:33:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0CHARLES
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0OQUINN
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,830,335
Liabilities
$20,160,625
Net assets
$4,669,710
Revenue
$813,797
Expenses
$650,053
Net income
$163,744
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
2020Detailed filing. Detailed filing data is available for this year.$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
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