Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
First Choice Community Credit Union
990 • Fiscal year 2015 • EIN 62-0207975
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.84x
Liabilities / Revenue
45th percentile
Higher debt load relative to revenue than 45% of similar nonprofits.
Net Margin
39th percentile
Higher net margin than 39% of similar nonprofits.
Top Officer Pay
42nd percentile
Higher top officer pay than 42% of similar nonprofits.
Top officer pay equals 5.6% of source-year revenue.
Asset Growth
36th percentile
Faster asset growth than 36% of similar nonprofits.
Revenue Growth
16th percentile
Faster revenue growth than 16% of similar nonprofits.
Balance Sheet
Assets
Up$36,802,133
Up $520,936 (+1.4%) from 2014
Net Assets
Up$5,918,506
Up $80,918 (+1.4%) from 2014
Liabilities
Up$30,883,627
Up $440,018 (+1.4%) from 2014
Revenue And Expenses
Revenue
Down$1,568,370
Down $72,234 (-4.4%) from 2014
Expenses
Up$1,487,452
Up $3,866 (+0.3%) from 2014
Net Income
Down$80,918
Down $76,100 (-48%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- May 10, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $1,568,370
Mission and Program Overview
Mission
State chartered credit union mutually owned by our 4,700 members, to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
State chartered credit union mutually owned by our 5,578 members, to promote thrift, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $17,496,577 | $18,477,379 | ▲ $980,802 |
| Investments Program Related | $13,986,059 | $12,827,063 | ▼ $1,158,996 |
| Rtn Earn Endowment Incm Other Fnds | $5,837,588 | $5,918,506 | ▲ $80,918 |
| Savings and Temporary Cash Investments | $2,240,547 | $3,020,420 | ▲ $779,873 |
| Land, Buildings, and Equipment, Net | $1,651,980 | $1,573,740 | ▼ $78,240 |
| Cash and Non-Interest-Bearing Accounts | $659,877 | $615,353 | ▼ $44,524 |
| Prepaid Expenses and Deferred Charges | $53,303 | $79,826 | ▲ $26,523 |
| Total Assets | $36,281,197 | $36,802,133 | ▲ $520,936 |
| Other Assets Total | $192,854 | $208,352 | ▲ $15,498 |
| Liabilities | |||
| Other Liabilities | $30,249,741 | $30,713,791 | ▲ $464,050 |
| Accounts Payable and Accrued Expenses | $193,868 | $169,836 | ▼ $24,032 |
| Total Liabilities | $30,443,609 | $30,883,627 | ▲ $440,018 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $5,837,588 | $5,918,506 | ▲ $80,918 |
| Total Liabilities and Net Assets / Fund Balance | $36,281,197 | $36,802,133 | ▲ $520,936 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Investment Program Related Org | $744,000 | - | - |
| Buildings | $988,840 | $397,774 | - |
| Land | $474,330 | - | - |
| Equipment | $110,570 | $614,897 | - |
| Leasehold Improvements | - | $8,489 | - |
| Other Assets Org | $141,213 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| James M Hayes | CEO | FT | $81,374 | $6,918 | $88,292 |
Board Members and Trustees
| Name | Title |
|---|---|
| Nancy Webb | Chair |
| John Obarr | Vice Chair |
| Betty Warwick | Board Member |
| Daryl Weaver | Board Member |
| George Whitehead | Board Member |
| Gerald Gilman | Board Member |
| Wade R Goddard | Board Member |
| Claudia Eaton | Secretary |
| Donna Kirkland | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,568,370
- Investment Income
- $0
- Other Revenue
- $0
- Change in Net Assets
- $80,918
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,568,370
- Total Revenue per Audited Statements
- $1,568,370
- Total Revenue per Form 990
- $1,568,370
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $736,137 |
| Salaries, Compensation, and Employee Benefits | $663,538 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $381,859 | - | - | $381,859 |
| Other Expenses | $306,837 | - | - | $306,837 |
| Other Employee Benefits | $121,296 | - | - | $121,296 |
| Occupancy | $109,148 | - | - | $109,148 |
| Current Officers, Directors, Trustees, and Key Employees | $88,292 | - | - | $88,292 |
| Benefits to Members | $87,777 | - | - | $87,777 |
| All Other Expenses | $37,580 | - | - | $37,580 |
| Payroll Taxes | $37,044 | - | - | $37,044 |
| Pension Plan Contributions | $35,047 | - | - | $35,047 |
| Advertising | $13,978 | - | - | $13,978 |
| Conferences and Meetings | $7,429 | - | - | $7,429 |
| Total Functional Expenses | $1,487,452 | $0 | $0 | $1,487,452 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,487,452 |
| Total Expenses per Audited Statements | $1,487,452 |
| Total Expenses per Form 990 | $1,487,452 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $12,350,755 |
| Share Drafts | $5,304,155 |
| Share Certificates | $5,279,373 |
| Money Market Shares | $3,707,020 |
| Irakeogh Accounts | $3,052,318 |
| All Other Shares | $1,020,170 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
Governance Explanations
Members or stockholder classes and rights Part VI line 6
“A state chartered credit union is governed by its charter and bylaws.”
Member election for additional members Part VI line 7A
“The charter and bylaws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares/deposits. The candidates for directors are nominated by a nominating committee appointed by the board of directors. The directors are elected at an annual meeting called for in the bylaws.”
Governing body decisions Part VI line 7B
“The charter and bylaws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares/deposits. The candidates for directors are nominated by a nominating committee appointed by the board of directors. The directors are elected at an annual meeting called for in the bylaws.”
Governing body meeting documentation Part VI line 8A
“Under the bylaws, the directors meet monthly to review the operations of the credit union. Their actions are documented in written monthly minutes. The board of directors approve the operating policies that direct management in the day-to-day operations of the credit union.”
Committee meeting documentation Part VI line 8B
“The board of directors appoint committees to oversee specific operations of the credit union including an audit committee, which hires an independent auditor to perform an annual audit of the credit union, and a personnel committee which recommends an overall compensation plan for the credit union as a whole. Committee minutes are maintained and committee recommendations are voted on/approved by the full board of directors.”
Form 990 governing body review Part VI line 11
“The form 990 was provided to the ceo and cfo for review and approval before filing.”
Conflict of interest policy compliance Part VI line 12C
“The credit union has a written conflict of interest policy. All officers, directors, and key employees are required to disclose annually any interest that could give rise to conflicts. All material contracts are approved by the board of directors.”
CEO executive director top management comp Part VI line 15A
“The personnel committee recommends compensation for the ceo, management, and staff based on an annual survey of compensation of credit unions of comparable size and job classifications and other factors. The overall compensation plan, including ceo and management compensation, is reviewed/approved by the board of directors. For staff, the ceo and/or department managers complete annual employee evaluations and are authorized to set staff compensation within the range approved by the personnel committee and board of directors.”
Other officer or key employee compensation Part VI line 15B
“The personnel committee recommends compensation for the ceo, management, and staff based on an annual survey of compensation of credit unions of comparable size and job classifications and other factors. The overall compensation plan, including ceo and management compensation, is reviewed/approved by the board of directors. For staff, the ceo and/or department managers complete annual employee evaluations and are authorized to set staff compensation within the range approved by the personnel committee and board of directors.”
Form 990 availability to public Part VI line 18
“Upon request, copies of the credit unions annual form 990 is provided to any member or non-member that requests a copy.”
Governing documents etc available to public Part VI line 19
“Written copies of policies and procedures are provided to members upon request. Monthly financial reports are posted in the lobby for members review.”
Filing and Contact Details
Filer
- Filer Name
- First Choice Community Credit Union
- EIN
- 62-0207975
- Address
- 100 N 17TH STREET, KNOXVILLE, TN 37921
Signing Officer
- Name
- James M Hayes
- Title
- CEO
- Phone
- 8656370112
- Signed
- 2016-05-10
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- James M Hayes
- Formed
- 1934
- Legal Domicile
- Tn
- Voting Board Members
- 9
- Independent Board Members
- 9
- Employees
- 21
- Volunteers
- 9
Preparer
- Firm
- Peters and Associates
- Address
- 9050 Exec Park Dr Ste 220A, Knoxville, TN 37923
- Preparer
- Craig Peters
- Phone
- 8656947128
Raw XML AppendixShowing 400 of 423 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/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
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| IRS990/MissionDesc | 0 | STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 5,578 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED. |
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| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 5837588 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 5918506 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 109148 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 109148 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 192854 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 208352 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 121296 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 121296 |
| IRS990/OtherExpensesGrp/Desc | 0 | OFFICE OPERATIONS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | PROFESSIONAL AND OUTSIDE |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 186052 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 20310 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 54803 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 306837 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 186052 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 20310 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 54803 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 306837 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 30249741 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 30713791 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 381859 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 381859 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 17496577 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 18477379 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | false |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 37044 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 37044 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 35047 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 35047 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 53303 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 79826 |
| IRS990/PrincipalOfficerNm | 0 | JAMES M HAYES |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | INVESTMENT INTEREST |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 937209 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 150488 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 245542 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | 235131 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 937209 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 150488 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 245542 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 235131 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 89283 |
| IRS990/PYOtherExpensesAmt | 0 | 701669 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1640604 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 157018 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 692634 |
| IRS990/PYTotalExpensesAmt | 0 | 1483586 |
| IRS990/PYTotalRevenueAmt | 0 | 1640604 |
| IRS990/QuidProQuoContributionsInd | 0 | false |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | false |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 80918 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RevenueAmt | 0 | 1568370 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 5837588 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 5918506 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2240547 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3020420 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 988840 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 397774 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1386614 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 110570 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 614897 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 725467 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1487452 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 11508000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 275607 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 299456 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 744000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | S&Ls MUTUAL SAVINGS BANK |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | CORPORATE CREDIT UNIONS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | NCUSIF DEPOSIT |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | INVESTMENTS IN CREDIT UNIONS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 474330 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 474330 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 8489 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 8489 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 11277 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 34668 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 21194 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 141213 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | FORECLOSED AND REPOSSESSED ASSETS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | ACCRUED INTEREST ON LOANS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | ACCRUED INTEREST ON INVESTMENTS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | OTHER ASSETS LESS PREPAIDS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 5304155 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 12350755 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 3707020 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 5279373 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 3052318 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 1020170 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | MONEY MARKET SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | IRAKEOGH ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | ALL OTHER SHARES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1568370 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1573740 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 208352 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 12827063 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1487452 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 30713791 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1568370 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1568370 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1487452 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | A STATE CHARTERED CREDIT UNION IS GOVERNED BY ITS CHARTER AND BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CHARTER AND BYLAWS CALL FOR AN ANNUAL ELECTION OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS. THE CANDIDATES FOR DIRECTORS ARE NOMINATED BY A NOMINATING COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CHARTER AND BYLAWS CALL FOR AN ANNUAL ELECTION OF DIRECTORS BY THE MEMBERS. EACH MEMBER IS ENTITLED TO ONE VOTE IRRESPECTIVE OF THE NUMBER OF SHARES/DEPOSITS. THE CANDIDATES FOR DIRECTORS ARE NOMINATED BY A NOMINATING COMMITTEE APPOINTED BY THE BOARD OF DIRECTORS. THE DIRECTORS ARE ELECTED AT AN ANNUAL MEETING CALLED FOR IN THE BYLAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | UNDER THE BYLAWS, THE DIRECTORS MEET MONTHLY TO REVIEW THE OPERATIONS OF THE CREDIT UNION. THEIR ACTIONS ARE DOCUMENTED IN WRITTEN MONTHLY MINUTES. THE BOARD OF DIRECTORS APPROVE THE OPERATING POLICIES THAT DIRECT MANAGEMENT IN THE DAY-TO-DAY OPERATIONS OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE BOARD OF DIRECTORS APPOINT COMMITTEES TO OVERSEE SPECIFIC OPERATIONS OF THE CREDIT UNION INCLUDING AN AUDIT COMMITTEE, WHICH HIRES AN INDEPENDENT AUDITOR TO PERFORM AN ANNUAL AUDIT OF THE CREDIT UNION, AND A PERSONNEL COMMITTEE WHICH RECOMMENDS AN OVERALL COMPENSATION PLAN FOR THE CREDIT UNION AS A WHOLE. COMMITTEE MINUTES ARE MAINTAINED AND COMMITTEE RECOMMENDATIONS ARE VOTED ON/APPROVED BY THE FULL BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE FORM 990 WAS PROVIDED TO THE CEO AND CFO FOR REVIEW AND APPROVAL BEFORE FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION HAS A WRITTEN CONFLICT OF INTEREST POLICY. ALL OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO DISCLOSE ANNUALLY ANY INTEREST THAT COULD GIVE RISE TO CONFLICTS. ALL MATERIAL CONTRACTS ARE APPROVED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE CEO, MANAGEMENT, AND STAFF BASED ON AN ANNUAL SURVEY OF COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOB CLASSIFICATIONS AND OTHER FACTORS. THE OVERALL COMPENSATION PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED BY THE BOARD OF DIRECTORS. FOR STAFF, THE CEO AND/OR DEPARTMENT MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE PERSONNEL COMMITTEE RECOMMENDS COMPENSATION FOR THE CEO, MANAGEMENT, AND STAFF BASED ON AN ANNUAL SURVEY OF COMPENSATION OF CREDIT UNIONS OF COMPARABLE SIZE AND JOB CLASSIFICATIONS AND OTHER FACTORS. THE OVERALL COMPENSATION PLAN, INCLUDING CEO AND MANAGEMENT COMPENSATION, IS REVIEWED/APPROVED BY THE BOARD OF DIRECTORS. FOR STAFF, THE CEO AND/OR DEPARTMENT MANAGERS COMPLETE ANNUAL EMPLOYEE EVALUATIONS AND ARE AUTHORIZED TO SET STAFF COMPENSATION WITHIN THE RANGE APPROVED BY THE PERSONNEL COMMITTEE AND BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | UPON REQUEST, COPIES OF THE CREDIT UNIONS ANNUAL FORM 990 IS PROVIDED TO ANY MEMBER OR NON-MEMBER THAT REQUESTS A COPY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | WRITTEN COPIES OF POLICIES AND PROCEDURES ARE PROVIDED TO MEMBERS UPON REQUEST. MONTHLY FINANCIAL REPORTS ARE POSTED IN THE LOBBY FOR MEMBERS REVIEW. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Members or stockholder classes and rights Part VI line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Member election for additional members Part VI line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Governing body decisions Part VI line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Governing body meeting documentation Part VI line 8a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Committee meeting documentation Part VI line 8b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990 governing body review Part VI line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Conflict of interest policy compliance Part VI line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | CEO executive director top management comp Part VI line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Other officer or key employee compensation Part VI line 15b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990 availability to public Part VI line 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Governing documents etc available to public Part VI line 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 36281197 |
| IRS990/TotalAssetsEOYAmt | 0 | 36802133 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 36281197 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 36802133 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 21 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 1487452 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1487452 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 30443609 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 30883627 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 30443609 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 30883627 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 5837588 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 5918506 |
| IRS990/TotalOtherCompensationAmt | 0 | 6918 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1487452 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1568370 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 81374 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1568370 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1568370 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 36281197 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 36802133 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TransactionWithControlEntInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.FIRSTCHOICECCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-12-15 16:53:06Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JAMES M HAYES |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $36,802,133
- Liabilities
- $30,883,627
- Net assets
- $5,918,506
- Revenue
- $1,568,370
- Expenses
- $1,487,452
- Net income
- $80,918