Civic Intelligence

First Central Credit Union

990 • Fiscal year 2018 • EIN 74-1137995

Jan 01, 2018 to Dec 31, 2018

Organization ProfileWWW.FIRSTCENTRALCU.COM
Waco, TX
Siviq Scores

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

Liabilities / Assets

29th percentile

0.86x

Higher debt load relative to assets than 29% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Liabilities / Revenue

9th percentile

8.57x

Higher debt load relative to revenue than 9% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Net Margin

82nd percentile

20%

Higher net margin than 82% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2018

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2018

Asset Growth

87th percentile

6.6%

Faster asset growth than 87% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Revenue Growth

86th percentile

17%

Faster revenue growth than 86% of similar nonprofits.

2018 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$87,893,036

Up $5,431,852 (+6.6%) from 2017

Net Assets

Up

$12,473,693

Up $1,714,586 (+16%) from 2017

Liabilities

Up

$75,419,343

Up $3,717,266 (+5.2%) from 2017

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin82nd percentile

Revenue

Up

$8,797,726

Up $1,246,945 (+17%) from 2017

Expenses

Up

$7,022,674

Up $824,971 (+13%) from 2017

Net Income

Up

$1,775,052

Up $421,974 (+31%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth87th 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

2018

Assets$87,893,036
Liabilities$75,419,343
Net Assets$12,473,693
Open 2018 Filing

Operations Trend

Revenue Growth86th 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

2018

Revenue$8,797,726
Expenses$7,022,674
Net Income$1,775,052
Open 2018 Filing
Filing Detail Status

This 2018 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, 2018 to Dec 31, 2018
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

2018 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$87,893,036
Liabilities
$75,419,343
Net assets
$12,473,693
Revenue
$8,797,726
Expenses
$7,022,674
Net income
$1,775,052
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. 2018 filings • 501(c)14 • $50M-$100M nonprofits