Civic Intelligence

First Community Credit Union of Houston

990 • Fiscal year 2014 • EIN 74-1212168

Jan 01, 2014 to Dec 31, 2014 • Filed on May 04, 2015

Organization Profilefccu.org

View Organization Page

PO Box 840129Houston, TX 77284-0129

(281) 856-5300

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Liabilities / Revenue

38th percentile

18.47x

Higher debt load relative to revenue than 38% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Net Margin

28th percentile

15%

Higher net margin than 28% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Top Officer Pay

30th percentile

$580,826

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Asset Growth

69th percentile

8.7%

Faster asset growth than 69% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Revenue Growth

72nd percentile

6.7%

Faster revenue growth than 72% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$1,071,469,235

Up $85,666,940 (+8.7%) from 2013

Net Assets

Up

$87,644,105

Up $9,003,468 (+11%) from 2013

Liabilities

Up

$983,825,130

Up $76,663,472 (+8.5%) from 2013

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin28th percentile

Revenue

Up

$53,265,307

Up $3,345,034 (+6.7%) from 2013

Expenses

Up

$45,489,620

Up $2,836,125 (+6.6%) from 2013

Net Income

Up

$7,775,687

Up $508,909 (+7.0%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $751,712,725Liabilities 2010: $694,104,523Net Assets 2010: $57,608,2022010Assets 2011: $824,656,514Liabilities 2011: $759,752,130Net Assets 2011: $64,904,3842011Assets 2012: $914,354,671Liabilities 2012: $840,448,413Net Assets 2012: $73,906,2582012Assets 2013: $985,802,295Liabilities 2013: $907,161,658Net Assets 2013: $78,640,6372013Assets 2014: $1,071,469,235Liabilities 2014: $983,825,130Net Assets 2014: $87,644,1052014Assets 2015: $1,151,381,824Liabilities 2015: $1,056,875,635Net Assets 2015: $94,506,1892015Assets 2016: $1,248,760,929Liabilities 2016: $1,144,112,152Net Assets 2016: $104,648,7772016Assets 2017: $1,355,230,223Liabilities 2017: $1,237,236,598Net Assets 2017: $117,993,6252017Assets 2018: $1,423,471,394Liabilities 2018: $1,290,002,614Net Assets 2018: $133,468,7802018Assets 2019: $1,541,379,016Liabilities 2019: $1,392,071,474Net Assets 2019: $149,307,5422019Assets 2020: $1,792,099,234Liabilities 2020: $1,626,403,305Net Assets 2020: $165,695,9292020Assets 2021: $1,964,514,771Liabilities 2021: $1,790,559,849Net Assets 2021: $173,954,9222021Assets 2022: $2,224,499,367Liabilities 2022: $2,072,563,944Net Assets 2022: $151,935,4232022Assets 2023: $2,507,984,781Liabilities 2023: $2,342,706,511Net Assets 2023: $165,278,2702023Assets 2024: $2,554,931,538Liabilities 2024: $2,373,498,721Net Assets 2024: $181,432,8172024

Highlighted filing

2014

Assets$1,071,469,235
Liabilities$983,825,130
Net Assets$87,644,105
Open 2014 Filing

Operations Trend

Revenue Growth72nd percentile

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

$200M$150M$100M$50M$0Expenses 2010: $42,029,5672010Expenses 2011: $38,124,0072011Expenses 2012: $40,146,3512012Revenue 2013: $49,920,273Expenses 2013: $42,653,495Net Income 2013: $7,266,7782013Revenue 2014: $53,265,307Expenses 2014: $45,489,620Net Income 2014: $7,775,6872014Revenue 2015: $57,377,254Expenses 2015: $50,280,519Net Income 2015: $7,096,7352015Revenue 2016: $61,775,488Expenses 2016: $51,259,703Net Income 2016: $10,515,7852016Revenue 2017: $67,006,805Expenses 2017: $53,657,109Net Income 2017: $13,349,6962017Revenue 2018: $76,871,635Expenses 2018: $60,000,481Net Income 2018: $16,871,1542018Revenue 2019: $81,762,460Expenses 2019: $69,164,469Net Income 2019: $12,597,9912019Revenue 2020: $78,841,838Expenses 2020: $67,695,355Net Income 2020: $11,146,4832020Revenue 2021: $83,936,302Expenses 2021: $66,038,224Net Income 2021: $17,898,0782021Revenue 2022: $98,421,005Expenses 2022: $78,155,153Net Income 2022: $20,265,8522022Revenue 2023: $143,513,383Expenses 2023: $131,684,366Net Income 2023: $11,829,0172023Revenue 2024: $167,373,815Expenses 2024: $156,139,923Net Income 2024: $11,233,8922024

Highlighted filing

2014

Revenue$53,265,307
Expenses$45,489,620
Net Income$7,775,687
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 4, 2015
Return Version
2014v5.0
Gross Receipts
$73,987,132
Mission and Program Overview

Mission

Cooperative provider of credit union financial services to those who live or work in Harris, Montgomery, and Ft Bend Counties. As a member of the National Credit Union Insurance Fund, the credit union is regulated by the State of Texas Credit Union Dept as well as the National Credit Union Administration.

First Community Credit Union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: Shares/savings accounts, checking accounts, consumer loans, real estate loans, business loans and related products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$683,951,528$802,725,601▲ $118,774,073
Investments Other Securities$220,157,515$183,078,090▼ $37,079,425
Rtn Earn Endowment Incm Other Fnds$78,640,637$87,644,105▲ $9,003,468
Cash and Non-Interest-Bearing Accounts$23,490,412$29,108,423▲ $5,618,011
Land, Buildings, and Equipment, Net$26,616,887$25,814,180▼ $802,707
Accounts Receivable$4,197,844$4,609,116▲ $411,272
Prepaid Expenses and Deferred Charges$554,385$624,215▲ $69,830
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0--
Loans From Officers Directors$0$0→ $0
Total Assets$985,802,295$1,071,469,235▲ $85,666,940
Other Assets Total$26,833,724$25,509,610▼ $1,324,114
Liabilities
Other Liabilities$893,330,721$970,502,014▲ $77,171,293
Accounts Payable and Accrued Expenses$13,830,937$13,323,116▼ $507,821
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$907,161,658$983,825,130▲ $76,663,472
Net Assets / Fund Balance
Total Net Assets Fund Balance$78,640,637$87,644,105▲ $9,003,468
Total Liabilities and Net Assets / Fund Balance$985,802,295$1,071,469,235▲ $85,666,940

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,041,776$7,430,155$0
Other Land Buildings$39,276$66,309$0
Land$3,557,241-$0
Equipment$3,175,887$14,081,703$0
Leasehold Improvements$0$0$0
Closely Held Equity Interests$0--
Financial Derivatives$183,078,090--
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron DowningCEOFT$459,564$168,680$628,244
Cheryl Mc CulloughEvp/CDOFT$211,262$75,194$286,456
Keith R DomingueEvp/CFOFT$196,705$85,441$282,146
David PittmanEvp/CLOFT$192,504$84,440$276,944
Rito GarzaEvp/CIOFT$144,873$59,609$204,482
Don MozingoEvp/CLOFT$138,930$45,394$184,324
TJ TijerinaEvp/COOFT$148,798-$148,798
Velsie BorjaSVPFT$129,244-$129,244
Steve O'BrienVPFT$118,689-$118,689
Jill VinsonVPFT$109,707-$109,707
Elgin WeaverVPFT$105,387-$105,387
Micheal HOSENVPFT$102,570-$102,570

Board Members and Trustees

NameTitle
Doug WilcherChairman of the Board
Sally MoseleyVice Chairman
Arlie BeckendorfDirector
Bob SchumacherDirector
Jerry TillDirector
Julie EisenhauerSecretary
Rob HauckTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$50,040,530
Investment Income
$3,224,777
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$7,775,687

Audited Revenue Reconciliation

Revenue per Audited Statements
$53,265,307
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$53,265,307
Total Revenue per Form 990
$53,265,307
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$25,164,085
Salaries, Compensation, and Employee Benefits$20,325,535
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$14,758,240
Information Technology---$6,973,361
Interest---$3,788,994
Office Expenses---$3,759,597
Other Expenses---$3,290,128
Advertising---$2,608,796
Occupancy---$2,128,818
Current Officers, Directors, Trustees, and Key Employees---$1,702,791
Other Employee Benefits---$1,431,071
Depreciation Depletion---$1,414,095
Pension Plan Contributions---$1,241,350
Payroll Taxes---$1,192,083
Insurance---$265,743
Fees for Services Other---$186,258
Fees for Services Accounting---$142,590
Conferences and Meetings---$106,103
Travel---$23,351
Fees for Services Legal---$22,131
Total Functional Expenses$0$0$0$45,489,620

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$45,489,620
Total Expenses per Audited Statements$45,489,620
Total Expenses per Form 990$45,489,620
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$970,502,014
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members”

Form 990, Part VI, Section A, Line 7A

“Members over the age of 18 are allowed to vote for members of the Board at an annual meeting.”

Form 990, Part VI, Section B, Line 11B

“990 is included in the board packet and reviewed by the board.”

Form 990, Part VI, Section B, Line 12C

“Conflicts are reported to the board as they arise.”

Form 990, Part VI, Section B, Line 15

“CEO pay is determined by a Remuneration committee and approved by the Board of Directors. Executive pay is determined by the CEO based on a pay scale approved by the Board of Directors.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, conflict of interest policy and financial statements are available upon request. An annual report is also available to the public.”

Filing and Contact Details

Filer

Filer Name
First Community Credit Union
EIN
74-1212168
Phone
2818565300
Address
PO Box 840129, Houston, TX 77284-0129

Signing Officer

Name
Keith Domingue
Title
CFO
Phone
2818565456
Signed
2015-05-04

Organization Details

Principal Officer
Ron Downing
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
466
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in Net Unrealized Gains(losses) on Investments”

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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/Desc0Checking Accounts - Available for consumers as well as businesses with various features, from free accounts to those with enhanced benefits. Checking accounts have been designed to meet the needs of all age groups and financial status. Teenager accounts are available (with a parent or guardian as a joint signer) to begin teaching proper money management Seniors qualify for our best checking account at a discounted rate. Fresh Start checking accounts are available to those who would normally be unable to establish a checking account elsewhere. High yield money management accounts are available to those who maintain high balances and wish to earn money market rates. Small businesses can also benefit from one of our three affordable and flexible business checking accounts. Additionally, FCCU extends the reach of these accounts to all members with free debit cards, free internet account access, free electronic bill payer services and free electronic statements. Most checking accounts offer dividends that are paid monthly. Over 50% of the credit union's members have a checking account.
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IRS990/Form990PartVIISectionAGrp/PersonNm0Bob Schumacher
IRS990/Form990PartVIISectionAGrp/PersonNm1Doug Wilcher
IRS990/Form990PartVIISectionAGrp/PersonNm2Sally Moseley
IRS990/Form990PartVIISectionAGrp/PersonNm3Arlie Beckendorf
IRS990/Form990PartVIISectionAGrp/PersonNm4Julie Eisenhauer
IRS990/Form990PartVIISectionAGrp/PersonNm5Jerry Till
IRS990/Form990PartVIISectionAGrp/PersonNm6Rob Hauck
IRS990/Form990PartVIISectionAGrp/PersonNm7Ron Downing
IRS990/Form990PartVIISectionAGrp/PersonNm8Cheryl Mc Cullough
IRS990/Form990PartVIISectionAGrp/PersonNm9Keith R Domingue
IRS990/Form990PartVIISectionAGrp/PersonNm10David Pittman
IRS990/Form990PartVIISectionAGrp/PersonNm11Rito Garza
IRS990/Form990PartVIISectionAGrp/PersonNm12Don Mozingo
IRS990/Form990PartVIISectionAGrp/PersonNm13TJ Tijerina
IRS990/Form990PartVIISectionAGrp/PersonNm14Velsie Borja
IRS990/Form990PartVIISectionAGrp/PersonNm15Elgin Weaver
IRS990/Form990PartVIISectionAGrp/PersonNm16Steve O'Brien
IRS990/Form990PartVIISectionAGrp/PersonNm17Jill Vinson
IRS990/Form990PartVIISectionAGrp/PersonNm18Micheal HOSEN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7580826
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8256651
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9253451
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10252323
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11193753
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12165789
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13148798
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16118689
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17109707
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP/CDO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP
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IRS990/FSAuditedInd01
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IRS990/GainOrLossGrp/OtherAmt0350878
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt073987132
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IRS990/GrossRentsGrp/RealAmt00
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IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt06973361
IRS990/InsuranceGrp/TotalAmt0265743
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt03788994
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02873899
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0220157515
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0183078090
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt021057
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipBasisNetGrp/BOYAmt026616887
IRS990/LandBldgEquipBasisNetGrp/EOYAmt025814180
IRS990/LandBldgEquipCostOrOtherBssAmt047392347
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt020721825
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Cooperative provider of credit union financial services to those who live or work in Harris, Montgomery, and Ft Bend Counties. As a member of the National Credit Union Insurance Fund, the credit union is regulated by the State of Texas Credit Union Dept as well as the National Credit Union Administration.
IRS990/MoreThan5000KToIndividualsInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt078640637
IRS990/NetAssetsOrFundBalancesEOYAmt087644105
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0350878
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0350878
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt032216
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02128818
IRS990/OfficeExpensesGrp/TotalAmt03759597
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt026833724
IRS990/OtherAssetsTotalGrp/EOYAmt025509610
IRS990/OtherChangesInNetAssetsAmt01227781
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01431071
IRS990/OtherExpensesGrp/Desc0Education
IRS990/OtherExpensesGrp/Desc1Loan Losses Provision
IRS990/OtherExpensesGrp/TotalAmt0454120
IRS990/OtherExpensesGrp/TotalAmt13290128
IRS990/OtherLiabilitiesGrp/BOYAmt0893330721
IRS990/OtherLiabilitiesGrp/EOYAmt0970502014
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt014758240
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0683951528
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0802725601
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt01192083
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01241350
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0554385
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0624215
IRS990/PrincipalOfficerNm0Ron Downing
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest On Loans
IRS990/ProgramServiceRevenueGrp/Desc1Member Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc2Loan Fee Income
IRS990/ProgramServiceRevenueGrp/Desc3ATM Income
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt031891651
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt115084057
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22145033
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3618160
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt031891651
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115084057
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22145033
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3919789
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt3301629
IRS990/ProgSrvcAccomActy2Grp/Desc0Savings Accounts - Offer access to members of all ages from youth accounts to senior accounts. Membership means access to a variety of products and services that can help build a sound financial foundation. Membership is also extended to all family members - spouses, parents, siblings, children, grandparents, cousins, aunts and uncles. FCCU had over 109,000 member-owner accounts as of 12/31/14 - each with a vote to elect our voluntary Board of Directors. Access is available through our 18 branch network, home banking, 24/7 voice and automated phone center, ATMs as well as the shared-branch network worldwide. Savings accounts are designed to encourage the development of consistent savings habits. Savings accounts pay dividends monthly.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Consumer Loans. FCCU provides a wide array of consumer loan products through an efficient and highly trained underwriting process. The consumer loan product line includes new and used auto loans, credit cards, personal loans, mortgage and equity loans, student loans, other secured loans and recreational vehicles, boats and motorcycles. Access to apply for a loan is available through our branch network or 24/7 through our call center or on-line at our website. Credit life and disability insurance is available on any of these loan types.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt00
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProgSrvcAccomActyOtherGrp/Desc0As a full service financial institution, First Community Credit Union offers a variety of miscellaneous products and services that most consumers require to conduct their daily finances including safe deposit boxes, nationwide ATM services, free bill payer services, an overdraft privilege program, identity theft packages, wire transfers, notary services and investments through an independent brokerage service.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,071,469,235
Liabilities
$983,825,130
Net assets
$87,644,105
Revenue
$53,265,307
Expenses
$45,489,620
Net income
$7,775,687
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,555$2,373$181$167$156$11.2
2023Summary only. Only limited summary data is available for this year.$2,508$2,343$165$144$132$11.8
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,224$2,073$152$98.4$78.2$20.3
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,965$1,791$174$83.9$66.0$17.9
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,792$1,626$166$78.8$67.7$11.1
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,541$1,392$149$81.8$69.2$12.6
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,423$1,290$133$76.9$60.0$16.9
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,355$1,237$118$67.0$53.7$13.3
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,249$1,144$105$61.8$51.3$10.5
2015Summary only. Only limited summary data is available for this year.$1,151$1,057$94.5$57.4$50.3$7.10
2014Detailed filing. Detailed filing data is available for this year.$1,071$984$87.6$53.3$45.5$7.78
2013Detailed filing. Detailed filing data is available for this year.$986$907$78.6$49.9$42.7$7.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$914$840$73.9$40.1
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$825$760$64.9$38.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$752$694$57.6$42.0
Peer Organizations

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