Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2022 • EIN 59-6137995

Jan 01, 2022 to Dec 31, 2022 • Filed on Aug 01, 2023

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

20th percentile

0.79x

Higher debt load relative to assets than 20% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

57th percentile

23.34x

Higher debt load relative to revenue than 57% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

92nd percentile

27%

Higher net margin than 92% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2022

Asset Growth

10th percentile

-6.4%

Faster asset growth than 10% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

65th percentile

11%

Faster revenue growth than 65% of similar nonprofits.

2022 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets20th percentile

Assets

Down

$23,271,046

Down $1,582,949 (-6.4%) from 2021

Net Assets

Up

$4,999,696

Up $209,024 (+4.4%) from 2021

Liabilities

Down

$18,271,350

Down $1,791,973 (-8.9%) from 2021

Revenue And Expenses
Liabilities / Revenue57th percentileNet Margin92nd percentile

Revenue

Up

$783,000

Up $78,108 (+11%) from 2021

Expenses

Down

$573,976

Down $9,954 (-1.7%) from 2021

Net Income

Up

$209,024

Up $88,062 (+73%) from 2021

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

2022

Assets$23,271,046
Liabilities$18,271,350
Net Assets$4,999,696
Open 2022 Filing

Operations Trend

Revenue Growth65th 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

2022

Revenue$783,000
Expenses$573,976
Net Income$209,024
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 1, 2023
Return Version
2022v5.0
Gross Receipts
$783,000
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$11,686,378$14,496,394▲ $2,810,016
Investments in Publicly Traded Securities$7,925,300$7,216,871▼ $708,429
Rtn Earn Endowment Incm Other Fnds$4,790,672$4,999,696▲ $209,024
Savings and Temporary Cash Investments$4,325,700$1,288,563▼ $3,037,137
Cash and Non-Interest-Bearing Accounts$766,021$117,638▼ $648,383
Land, Buildings, and Equipment, Net$118,453$109,762▼ $8,691
Accounts Receivable$25,747$32,212▲ $6,465
Prepaid Expenses and Deferred Charges$6,396$9,606▲ $3,210
Total Assets$24,853,995$23,271,046▼ $1,582,949
Liabilities
Other Liabilities$20,028,408$17,451,972▼ $2,576,436
Unsecured Notes Loans Payable-$750,000-
Accounts Payable and Accrued Expenses$34,915$69,378▲ $34,463
Total Liabilities$20,063,323$18,271,350▼ $1,791,973
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,790,672$4,999,696▲ $209,024
Total Liabilities and Net Assets / Fund Balance$24,853,995$23,271,046▼ $1,582,949

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$109,762$146,089$255,851
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Donald RaglandChairman
John C WalkerPresident
Dennis CooperVice Chairma
Wa LowerySecretary
Paul BradleySecurity
David HartTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$690,427
Investment Income
$92,573
Other Revenue
$0
Change in Net Assets
$209,024
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$325,385
Salaries, Compensation, and Employee Benefits$248,591
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$149,616--$149,616
Comp Disqual Persons$133,925--$133,925
Other Salaries and Wages$80,280--$80,280
Office Expenses$38,692--$38,692
Occupancy$37,244--$37,244
Fees for Services Other$30,895--$30,895
Payroll Taxes$17,211--$17,211
Pension Plan Contributions$17,175--$17,175
Insurance$16,852--$16,852
Fees for Services Accounting$11,900--$11,900
Travel$9,320--$9,320
All Other Expenses$3,272--$3,272
Advertising$2,290--$2,290
Other Expenses$2,000--$2,000
Total Functional Expenses$573,976$0$0$573,976
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
Member Share Accounts$17,451,972
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
President
Phone
8509946982
Signed
2023-08-01

Organization Details

Principal Officer
John C Walker
Formed
1956
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
4
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 Appendix301 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/USAddress/CityNm0MILTON
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032571
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN C WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08509946982
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-08-01
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/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/ReturnTs02023-08-14T15:18:21-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JOHN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WALKER
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,271,046
Liabilities
$18,271,350
Net assets
$4,999,696
Revenue
$783,000
Expenses
$573,976
Net income
$209,024
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
2022Detailed filing. Detailed filing data is available for this year.$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
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