Civic Intelligence

First Community Credit Union of Houston

990 • Fiscal year 2016 • EIN 74-1212168

Jan 01, 2016 to Dec 31, 2016 • Filed on Apr 19, 2017

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

85th percentile

0.92x

Higher debt load relative to assets than 85% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

36th percentile

18.52x

Higher debt load relative to revenue than 36% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

43rd percentile

17%

Higher net margin than 43% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

11th percentile

$480,665

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.8% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

47th percentile

8.5%

Faster asset growth than 47% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

33rd percentile

7.7%

Faster revenue growth than 33% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets85th percentile

Assets

Up

$1,248,760,929

Up $97,379,105 (+8.5%) from 2015

Net Assets

Up

$104,648,777

Up $10,142,588 (+11%) from 2015

Liabilities

Up

$1,144,112,152

Up $87,236,517 (+8.3%) from 2015

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin43rd percentile

Revenue

Up

$61,775,488

Up $4,398,234 (+7.7%) from 2015

Expenses

Up

$51,259,703

Up $979,184 (+1.9%) from 2015

Net Income

Up

$10,515,785

Up $3,419,050 (+48%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2016

Assets$1,248,760,929
Liabilities$1,144,112,152
Net Assets$104,648,777
Open 2016 Filing

Operations Trend

Revenue Growth33rd 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

2016

Revenue$61,775,488
Expenses$51,259,703
Net Income$10,515,785
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Apr 19, 2017
Return Version
2016v3.0
Gross Receipts
$72,900,495
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 and commercial loans, real estate loans, business loans and related products.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$912,577,570$1,016,027,867▲ $103,450,297
Investments Other Securities$162,041,099$144,504,017▼ $17,537,082
Rtn Earn Endowment Incm Other Fnds$94,506,189$104,648,777▲ $10,142,588
Cash and Non-Interest-Bearing Accounts$23,286,594$33,838,684▲ $10,552,090
Land, Buildings, and Equipment, Net$26,283,546$26,028,109▼ $255,437
Accounts Receivable$4,830,107$4,989,216▲ $159,109
Prepaid Expenses and Deferred Charges$752,979$975,647▲ $222,668
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$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$1,151,381,824$1,248,760,929▲ $97,379,105
Other Assets Total$21,609,929$22,397,389▲ $787,460
Liabilities
Other Liabilities$1,035,639,218$1,115,623,773▲ $79,984,555
Accounts Payable and Accrued Expenses$21,236,417$28,488,379▲ $7,251,962
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$1,056,875,635$1,144,112,152▲ $87,236,517
Net Assets / Fund Balance
Total Net Assets Fund Balance$94,506,189$104,648,777▲ $10,142,588
Total Liabilities and Net Assets / Fund Balance$1,151,381,824$1,248,760,929▲ $97,379,105

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,267,049$8,265,603$0
Other Land Buildings$79,301$64,782$0
Land$4,688,219-$0
Equipment$2,993,540$16,801,649$0
Leasehold Improvements$0$0$0
Closely Held Equity Interests$0--
Financial Derivatives$144,504,017--
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron DowningCEOFT$459,564$45,605$505,169
Cheryl Mc CulloughEvp/CDOFT$233,826$50,627$284,453
Keith R DomingueEvp/CFOFT$223,641$44,676$268,317
TJ TijerinaEvp/COOFT$167,395$42,791$210,186
Don MozingoEvp/CLOFT$169,189$37,392$206,581
Rito GarzaEvp/CIOFT$168,607$30,342$198,949
Patrick ThomasVP Commerical LendingFT$146,023-$146,023
Velsie BorjaSVPFT$135,434-$135,434
Randlal WardSR VP LendingFT$133,125-$133,125
Jill VinsonVP Consumer LendingFT$119,839-$119,839
Tricia SmithSr VP AccountingFT$110,708-$110,708
Arlie BeckendorfBoard Member-$6,000-$6,000
Doug WilcherVice-Chairman-$6,000-$6,000
Jerry TillBoard Member-$6,000-$6,000
Bob SchumacherSecretary-$5,500-$5,500
Julie EisenhauerTreasurer-$5,500-$5,500
Sally MoseleyChairman-$5,500-$5,500
Rob HauckBoard member-$5,000-$5,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$58,932,862
Investment Income
$2,842,626
Other Revenue
$0
Change in Net Assets
$10,515,785

Audited Revenue Reconciliation

Revenue per Audited Statements
$61,775,488
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$61,775,488
Total Revenue per Form 990
$61,775,488
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$29,985,805
Salaries, Compensation, and Employee Benefits$21,273,898
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,785,978
Information Technology---$9,617,396
Other Expenses---$5,250,500
Interest---$4,550,287
Office Expenses---$4,021,857
Occupancy---$2,156,926
Advertising---$1,873,529
Current Officers, Directors, Trustees, and Key Employees---$1,588,751
Other Employee Benefits---$1,515,354
Depreciation Depletion---$1,356,962
Payroll Taxes---$1,282,925
Pension Plan Contributions---$1,100,890
Insurance---$237,690
Fees for Services Other---$190,443
Conferences and Meetings---$122,898
Fees for Services Accounting---$96,115
Fees for Services Legal---$72,646
Travel---$19,697
Total Functional Expenses$0$0$0$51,259,703

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$51,259,703
Total Expenses per Audited Statements$51,259,703
Total Expenses per Form 990$51,259,703
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$1,115,623,773
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 of Directors at the annual meeting.”

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

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

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

“Conflicts are reported to the Board of Directors 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 t 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
2017-04-19

Organization Details

Principal Officer
Ron Downing
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
466
Volunteers
0
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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/PersonNm10TJ Tijerina
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IRS990/Form990PartVIISectionAGrp/PersonNm12Rito Garza
IRS990/Form990PartVIISectionAGrp/PersonNm13Patrick Thomas
IRS990/Form990PartVIISectionAGrp/PersonNm14Velsie Borja
IRS990/Form990PartVIISectionAGrp/PersonNm15Randlal Ward
IRS990/Form990PartVIISectionAGrp/PersonNm16Jill Vinson
IRS990/Form990PartVIISectionAGrp/PersonNm17Tricia Smith
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt05500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt45500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt56000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt65000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7480665
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8258125
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9243491
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10192125
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11187822
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12187025
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13146023
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14135434
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15133125
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16119839
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17110708
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
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/TitleTxt0Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice-Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP/CDO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP Commerical Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt15SR VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt17Sr Vp Accounting
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0114865
IRS990/GainOrLossGrp/SecuritiesAmt09974
IRS990/GamingActivitiesInd00
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IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt010818297
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0431549
IRS990/GrossReceiptsAmt072900495
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt015
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt09617396
IRS990/InsuranceGrp/TotalAmt0237690
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt04550287
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02717787
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0162041099
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0144504017
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt024835
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt025132034
IRS990/LandBldgEquipBasisNetGrp/BOYAmt026283546
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026028109
IRS990/LandBldgEquipCostOrOtherBssAmt051160143
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt010703432
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0421575
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
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
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt094506189
IRS990/NetAssetsOrFundBalancesEOYAmt0104648777
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt09974
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0114865
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0124839
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0219167
IRS990/NetUnrlzdGainsLossesInvstAmt0-373197
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02156926
IRS990/OfficeExpensesGrp/TotalAmt04021857
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021609929
IRS990/OtherAssetsTotalGrp/EOYAmt022397389
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01515354
IRS990/OtherExpensesGrp/Desc0Education
IRS990/OtherExpensesGrp/Desc1Loan Losses Provision
IRS990/OtherExpensesGrp/TotalAmt0418859
IRS990/OtherExpensesGrp/TotalAmt15250500
IRS990/OtherLiabilitiesGrp/BOYAmt01035639218
IRS990/OtherLiabilitiesGrp/EOYAmt01115623773
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt015785978
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0912577570
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01016027867
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt01282925
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01100890
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0752979
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0975647
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
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt037122386
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt118148078
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22292474
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31150757
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt037122386
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt118148078
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22292474
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31369924
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt3219167
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 120,000 member-owner accounts as of 12/31/16 - each with a vote to elect our voluntary Board of Directors. Access is available through our 17 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/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/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.
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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02596810
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt027732557
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt054780444
IRS990/PYRevenuesLessExpensesAmt07096735
IRS990/PYSalariesCompEmpBnftPaidAmt022547962
IRS990/PYTotalExpensesAmt050280519
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt057377254
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
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IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,248,760,929
Liabilities
$1,144,112,152
Net assets
$104,648,777
Revenue
$61,775,488
Expenses
$51,259,703
Net income
$10,515,785
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
2016Detailed filing. Detailed filing data is available for this year.$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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