Civic Intelligence

First Central Credit Union

990 • Fiscal year 2017 • EIN 74-1137995

Jan 01, 2017 to Dec 31, 2017

Organization ProfileWWW.FIRSTCENTRALCU.COM
Waco, TX
Siviq Scores

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

Liabilities / Assets

33rd percentile

0.87x

Higher debt load relative to assets than 33% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

8th percentile

9.50x

Higher debt load relative to revenue than 8% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

81st percentile

18%

Higher net margin than 81% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

92nd percentile

8.7%

Faster asset growth than 92% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

95th percentile

18%

Faster revenue growth than 95% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$82,461,184

Up $6,627,638 (+8.7%) from 2016

Net Assets

Up

$10,759,107

Up $1,411,842 (+15%) from 2016

Liabilities

Up

$71,702,077

Up $5,215,796 (+7.8%) from 2016

Revenue And Expenses
Liabilities / Revenue8th percentileNet Margin81st percentile

Revenue

Up

$7,550,781

Up $1,174,477 (+18%) from 2016

Expenses

Up

$6,197,703

Up $463,140 (+8.1%) from 2016

Net Income

Up

$1,353,078

Up $711,337 (+111%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$200M$150M$100M$50M$0Assets 2010: $46,492,346Liabilities 2010: $42,034,044Net Assets 2010: $4,458,3022010Assets 2011: $53,898,589Liabilities 2011: $48,364,175Net Assets 2011: $5,534,4142011Assets 2012: $58,196,285Liabilities 2012: $51,968,334Net Assets 2012: $6,227,9512012Assets 2013: $57,875,637Liabilities 2013: $50,827,790Net Assets 2013: $7,047,8472013Assets 2014: $62,932,552Liabilities 2014: $54,995,335Net Assets 2014: $7,937,2172014Assets 2015: $67,123,853Liabilities 2015: $58,370,628Net Assets 2015: $8,753,2252015Assets 2016: $75,833,546Liabilities 2016: $66,486,281Net Assets 2016: $9,347,2652016Assets 2017: $82,461,184Liabilities 2017: $71,702,077Net Assets 2017: $10,759,1072017Assets 2018: $87,893,036Liabilities 2018: $75,419,343Net Assets 2018: $12,473,6932018Assets 2019: $96,925,760Liabilities 2019: $82,202,931Net Assets 2019: $14,722,8292019Assets 2020: $122,786,509Liabilities 2020: $105,588,701Net Assets 2020: $17,197,8082020Assets 2021: $142,192,635Liabilities 2021: $123,265,797Net Assets 2021: $18,926,8382021Assets 2022: $148,590,492Liabilities 2022: $132,143,416Net Assets 2022: $16,447,0762022Assets 2023: $166,079,617Liabilities 2023: $144,926,198Net Assets 2023: $21,153,4192023Assets 2024: $168,623,164Liabilities 2024: $145,609,432Net Assets 2024: $23,013,7322024

Highlighted filing

2017

Assets$82,461,184
Liabilities$71,702,077
Net Assets$10,759,107
Open 2017 Filing

Operations Trend

Revenue Growth95th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $3,381,5362010Expenses 2011: $3,485,0292011Expenses 2012: $3,792,9882012Revenue 2013: $4,922,710Expenses 2013: $4,102,814Net Income 2013: $819,8962013Revenue 2014: $5,618,806Expenses 2014: $4,729,436Net Income 2014: $889,3702014Revenue 2015: $5,981,070Expenses 2015: $5,157,000Net Income 2015: $824,0702015Revenue 2016: $6,376,304Expenses 2016: $5,734,563Net Income 2016: $641,7412016Revenue 2017: $7,550,781Expenses 2017: $6,197,703Net Income 2017: $1,353,0782017Revenue 2018: $8,797,726Expenses 2018: $7,022,674Net Income 2018: $1,775,0522018Revenue 2019: $9,649,959Expenses 2019: $7,591,154Net Income 2019: $2,058,8052019Revenue 2020: $10,064,237Expenses 2020: $7,841,684Net Income 2020: $2,222,5532020Revenue 2021: $12,212,863Expenses 2021: $9,860,833Net Income 2021: $2,352,0302021Revenue 2022: $11,296,325Expenses 2022: $9,450,076Net Income 2022: $1,846,2492022Revenue 2023: $15,479,340Expenses 2023: $11,738,290Net Income 2023: $3,741,0502023Revenue 2024: $16,211,380Expenses 2024: $14,606,563Net Income 2024: $1,604,8172024

Highlighted filing

2017

Revenue$7,550,781
Expenses$6,197,703
Net Income$1,353,078
Open 2017 Filing
Filing Detail Status

This 2017 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

View Latest Detailed Filing (2024)
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
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.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$82,461,184
Liabilities
$71,702,077
Net assets
$10,759,107
Revenue
$7,550,781
Expenses
$6,197,703
Net income
$1,353,078
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet 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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $50M-$100M nonprofits