Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2021 • EIN 59-6137995

Jan 01, 2021 to Dec 31, 2021 • Filed on Aug 09, 2022

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

23rd percentile

0.81x

Higher debt load relative to assets than 23% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Liabilities / Revenue

73rd percentile

28.46x

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

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Net Margin

78th percentile

17%

Higher net margin than 78% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Top Officer Pay

98th percentile

$143,104

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 20.3% of source-year revenue.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2021

Asset Growth

10th percentile

0.1%

Faster asset growth than 10% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Revenue Growth

14th percentile

-13%

Faster revenue growth than 14% of similar nonprofits.

2021 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets23rd percentile

Assets

Up

$24,853,995

Up $23,660 (+0.1%) from 2020

Net Assets

Up

$4,790,672

Up $120,962 (+2.6%) from 2020

Liabilities

Down

$20,063,323

Down $97,302 (-0.5%) from 2020

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin78th percentile

Revenue

Down

$704,892

Down $108,905 (-13%) from 2020

Expenses

Down

$583,930

Down $66,123 (-10%) from 2020

Net Income

Down

$120,962

Down $42,782 (-26%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth10th 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

2021

Assets$24,853,995
Liabilities$20,063,323
Net Assets$4,790,672
Open 2021 Filing

Operations Trend

Revenue Growth14th 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

2021

Revenue$704,892
Expenses$583,930
Net Income$120,962
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Aug 9, 2022
Return Version
2021v4.0
Gross Receipts
$704,892
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$11,331,680$11,686,378▲ $354,698
Investments in Publicly Traded Securities$5,612,899$7,925,300▲ $2,312,401
Rtn Earn Endowment Incm Other Fnds$4,669,710$4,790,672▲ $120,962
Savings and Temporary Cash Investments$7,152,847$4,325,700▼ $2,827,147
Cash and Non-Interest-Bearing Accounts$591,161$766,021▲ $174,860
Land, Buildings, and Equipment, Net$100,353$118,453▲ $18,100
Accounts Receivable$35,942$25,747▼ $10,195
Prepaid Expenses and Deferred Charges$5,453$6,396▲ $943
Total Assets$24,830,335$24,853,995▲ $23,660
Liabilities
Other Liabilities$20,089,346$20,028,408▼ $60,938
Accounts Payable and Accrued Expenses$71,279$34,915▼ $36,364
Total Liabilities$20,160,625$20,063,323▼ $97,302
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,669,710$4,790,672▲ $120,962
Total Liabilities and Net Assets / Fund Balance$24,830,335$24,853,995▲ $23,660

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$118,453$252,401$370,854
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHARLES O'QUINNPresidentFT$143,104-$143,104
John C WalkerVice PresideFT$26,860$2,686$29,546

Board Members and Trustees

NameTitle
Wa LoweryChairman
David HartVice Chairma
Harry WelterSecretary
Dennis CooperSecurity
Donald RaglandTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$617,588
Investment Income
$87,304
Other Revenue
$0
Change in Net Assets
$120,962
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$303,705
Other Expenses$280,225
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons$143,104--$143,104
Interest$131,438--$131,438
Other Salaries and Wages$114,670--$114,670
Occupancy$41,029--$41,029
Office Expenses$38,865--$38,865
Pension Plan Contributions$25,980--$25,980
Payroll Taxes$19,951--$19,951
Fees for Services Other$19,682--$19,682
Insurance$15,488--$15,488
Fees for Services Accounting$5,450--$5,450
Travel$1,900--$1,900
Advertising$1,754--$1,754
Other Expenses$713--$713
Total Functional Expenses$583,930$0$0$583,930
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$20,028,408
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
John C Walker
Title
Vice President
Phone
8509946982
Signed
2022-08-09

Organization Details

Principal Officer
CHARLES O'QUINN
Formed
1956
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
5
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 Appendix302 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024853995
IRS990/TravelGrp/ProgramServicesAmt01900
IRS990/TravelGrp/TotalAmt01900
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN C WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VICE PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-08-09
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/ReturnTs02022-08-09T14:03:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JOHN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WALKER
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,853,995
Liabilities
$20,063,323
Net assets
$4,790,672
Revenue
$704,892
Expenses
$583,930
Net income
$120,962
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
2021Detailed filing. Detailed filing data is available for this year.$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
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