First Central Credit Union

990 • Fiscal year 2011 • EIN 74-1137995

Jan 01, 2011 to Dec 31, 2011 • Filed on May 14, 2012

Organization Profile WWW.FIRSTCENTRALCU.COM

6201 Sanger Avenue76710

Siviq Scores

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

0.90x

Higher debt load relative to assets than 53% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

No value available

This filing does not contain officer compensation rows.

Source year 2011

16%

Faster asset growth than 94% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

No value available

No valid filing value is available for this score.

Balance Sheet

Liabilities / Assets53rd percentile

Assets

$53,898,589

Up $7,406,243 (+16%) from 2010

Net Assets

$5,534,414

Up $1,076,112 (+24%) from 2010

Liabilities

$48,364,175

Up $6,330,131 (+15%) from 2010

Revenue And Expenses

Liabilities / RevenueScore unavailable Net MarginScore unavailable

Revenue

No earlier filing loaded for comparison.

Expenses

$3,485,029

Up $103,493 (+3.1%) from 2010

Net Income

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

Highlighted filing

2011

Assets$53,898,589

Liabilities$48,364,175

Net Assets$5,534,414

Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

Highlighted filing

2011

Revenue-

Expenses$3,485,029

Net Income-

Open 2011 Filing

Jump To

Filing Snapshot

Filing Period: Jan 1, 2011 to Dec 31, 2011
Signed: May 14, 2012
Return Version: 2011v1.2
Gross Receipts: $4,036,993

Mission and Program Overview

Mission

The organization is a financial institution ,specifically a credit union. A credit union is a cooperative, member-owned, non-profit provider of financial services to its members.

Major Activities

Activity 2: Checking accounts: first central credit union provides checking accounts for members with various features from fee accounts to those with enhanced benefits. We do offer checking accounts that pay dividends monthly. Additionally, the credit union extends the reach of these accounts to all members with free debit cards, internet account access, and free use of bill pay. Over 45% of the credit union members have a checking account. First central credit union also offers money market accounts.
Activity 3: Member loans: first central credit union provides vehicle loans, signature loans, home equity loans, real estate loans, and credit cards. We utilize very efficient under writing procedures to provide reasonable and competitive rates to our members.

Filing and Contact Details

Filer

EIN: 74-1137995

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IRS990ScheduleD/Equipment/OtherCostOrOtherBasis	0	1252707
IRS990ScheduleD/FederalIncomeTaxLiability	0	0
IRS990ScheduleD/FinancialDerivatives/BookValue	0	0
IRS990ScheduleD/Land/BookValue	0	277321
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis	0	0
IRS990ScheduleD/Land/OtherCostOrOtherBasis	0	277321
IRS990ScheduleD/LeaseholdImprovements/BookValue	0	24035
IRS990ScheduleD/LeaseholdImprovements/Depreciation	0	116608
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis	0	0
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis	0	140643
IRS990ScheduleD/OtherLandBuildings/BookValue	0	26455
IRS990ScheduleD/OtherLandBuildings/Depreciation	0	14375
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis	0	0
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis	0	40830
IRS990ScheduleD/OtherLiabilities/Amount	0	47684281
IRS990ScheduleD/OtherLiabilities/Description	0	MEMBER SHARES ON DEPOSIT
IRS990ScheduleD/OtherSecurities/BookValue	0	11020155
IRS990ScheduleD/OtherSecurities/BookValue	1	1600000
IRS990ScheduleD/OtherSecurities/BookValue	2	894000
IRS990ScheduleD/OtherSecurities/BookValue	3	108077
IRS990ScheduleD/OtherSecurities/Description	0	CERTIFICATES OF DEPOSITS-w/BANKS
IRS990ScheduleD/OtherSecurities/Description	1	HTM INVESTMENTS-w/GOV.AGENCIES
IRS990ScheduleD/OtherSecurities/Description	2	CERTIFICATES OF DEPOSIT-w/CR.UNIONS
IRS990ScheduleD/OtherSecurities/Description	3	MEMBERSHIP CAPITAL AT CORP.CU
IRS990ScheduleD/OtherSecurities/MethodOfValuation	0	C
IRS990ScheduleD/OtherSecurities/MethodOfValuation	1	C
IRS990ScheduleD/OtherSecurities/MethodOfValuation	2	C
IRS990ScheduleD/OtherSecurities/MethodOfValuation	3	C
IRS990ScheduleD/TotalOfAmounts	0	47684281

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing

Assets: $53,898,589
Liabilities: $48,364,175
Net assets: $5,534,414
Revenue: -
Expenses: $3,485,029
Net income: -

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.	$169	$146	$23.0	$16.2	$14.6	$1.60
2023Summary only. Only limited summary data is available for this year.	$166	$145	$21.2	$15.5	$11.7	$3.74
2022Summary only. Only limited summary data is available for this year.	$149	$132	$16.4	$11.3	$9.45	$1.85
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$142	$123	$18.9	$12.2	$9.86	$2.35
2020Summary only. Only limited summary data is available for this year.	$123	$106	$17.2	$10.1	$7.84	$2.22
2019Summary only. Only limited summary data is available for this year.	$96.9	$82.2	$14.7	$9.65	$7.59	$2.06
2018Summary only. Only limited summary data is available for this year.	$87.9	$75.4	$12.5	$8.80	$7.02	$1.78
2017Summary only. Only limited summary data is available for this year.	$82.5	$71.7	$10.8	$7.55	$6.20	$1.35
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$75.8	$66.5	$9.35	$6.38	$5.73	$0.64
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$67.1	$58.4	$8.75	$5.98	$5.16	$0.82
2014Detailed filing. Detailed filing data is available for this year.	$62.9	$55.0	$7.94	$5.62	$4.73	$0.89
2013Detailed filing. Detailed filing data is available for this year.	$57.9	$50.8	$7.05	$4.92	$4.10	$0.82
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.	$58.2	$52.0	$6.23		$3.79
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.	$53.9	$48.4	$5.53		$3.49
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.	$46.5	$42.0	$4.46		$3.38