Civic Intelligence

First Community Credit Union of Houston

990 • Fiscal year 2018 • EIN 74-1212168

Jan 01, 2018 to Dec 31, 2018 • Filed on Apr 22, 2019

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

78th percentile

0.91x

Higher debt load relative to assets than 78% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

36th percentile

16.78x

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

65th percentile

22%

Higher net margin than 65% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

64th percentile

$990,435

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

39th percentile

5.0%

Faster asset growth than 39% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

59th percentile

15%

Faster revenue growth than 59% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets78th percentile

Assets

Up

$1,423,471,394

Up $68,241,171 (+5.0%) from 2017

Net Assets

Up

$133,468,780

Up $15,475,155 (+13%) from 2017

Liabilities

Up

$1,290,002,614

Up $52,766,016 (+4.3%) from 2017

Revenue And Expenses
Liabilities / Revenue36th percentileNet Margin65th percentile

Revenue

Up

$76,871,635

Up $9,864,830 (+15%) from 2017

Expenses

Up

$60,000,481

Up $6,343,372 (+12%) from 2017

Net Income

Up

$16,871,154

Up $3,521,458 (+26%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth39th 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

2018

Assets$1,423,471,394
Liabilities$1,290,002,614
Net Assets$133,468,780
Open 2018 Filing

Operations Trend

Revenue Growth59th 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

2018

Revenue$76,871,635
Expenses$60,000,481
Net Income$16,871,154
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Apr 22, 2019
Return Version
2018v3.0
Gross Receipts
$79,644,447
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$1,053,853,065$1,097,449,391▲ $43,596,326
Investments Other Securities$139,354,613$162,725,612▲ $23,370,999
Rtn Earn Endowment Incm Other Fnds$117,993,625$133,468,780▲ $15,475,155
Cash and Non-Interest-Bearing Accounts$102,788,982$105,088,204▲ $2,299,222
Land, Buildings, and Equipment, Net$27,725,305$28,208,880▲ $483,575
Accounts Receivable$5,044,564$5,470,572▲ $426,008
Prepaid Expenses and Deferred Charges$1,322,513$1,777,381▲ $454,868
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$1,355,230,223$1,423,471,394▲ $68,241,171
Other Assets Total$25,141,181$22,751,354▼ $2,389,827
Liabilities
Other Liabilities$1,203,761,386$1,257,156,666▲ $53,395,280
Accounts Payable and Accrued Expenses$33,475,212$32,845,948▼ $629,264
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$1,237,236,598$1,290,002,614▲ $52,766,016
Net Assets / Fund Balance
Total Net Assets Fund Balance$117,993,625$133,468,780▲ $15,475,155
Total Liabilities and Net Assets / Fund Balance$1,355,230,223$1,423,471,394▲ $68,241,171

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$17,815,755$9,886,611$0
Other Land Buildings$53,714$89,918$0
Land$4,742,317-$0
Equipment$5,597,094$19,245,891$0
Leasehold Improvements$0$0$0
Closely Held Equity Interests$0--
Financial Derivatives$162,725,612--
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron DowningCEOFT$793,564$220,261$1,013,825
Cheryl Mc CulloughEvp/CDOFT$261,961$145,026$406,987
Keith R DomingueEvp/CFOFT$239,117$86,628$325,745
TJ TijerinaEvp/COOFT$192,702$88,600$281,302
Don MozingoEvp/CLOFT$179,693$82,033$261,726
Rito GarzaEvp/CIOFT$184,107$75,921$260,028
Patrick ThomasVP Commerical LendingFT$109,302$98,705$208,007
Randal WardSR VP LendingFT$147,271$50,944$198,215
Velsie BorjaSVPFT$140,082$50,071$190,153
Jon HartmanSenior Vice PresidentFT$118,449$47,009$165,458
Jennifer KilgoreSenior Vice PresidentFT$120,431$41,301$161,732
Arthur GordonSenior Vice PresidentFT$86,843$65,302$152,145
Tricia SmithSr VP AccountingFT$135,915-$135,915
Jill VinsonVP Consumer LendingFT$133,958-$133,958
Arlie BeckendorfBoard Member-$12,000-$12,000
Bob SchumacherChairman-$12,000-$12,000
Doug WilcherBoard Member-$12,000-$12,000
Jerry TillSecretary-$12,000-$12,000
Julie EisenhauerTreasurer-$12,000-$12,000
Sally MoseleyVice - Chairman-$12,000-$12,000
Rob HauckBoard member-$11,000-$11,000
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$71,281,761
Investment Income
$5,589,874
Other Revenue
$0
Change in Net Assets
$16,871,154

Audited Revenue Reconciliation

Revenue per Audited Statements
$76,871,635
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$76,871,635
Total Revenue per Form 990
$76,871,635
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$35,687,380
Salaries, Compensation, and Employee Benefits$24,313,101
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$17,328,223
Information Technology---$10,885,983
Interest---$8,131,088
Office Expenses---$5,025,275
Other Expenses---$4,235,000
Current Officers, Directors, Trustees, and Key Employees---$2,490,775
Advertising---$2,324,439
Occupancy---$2,251,105
Other Employee Benefits---$1,744,189
Payroll Taxes---$1,447,354
Depreciation Depletion---$1,322,722
Pension Plan Contributions---$1,302,560
Fees for Services Other---$280,976
Insurance---$254,153
Fees for Services Legal---$170,202
Fees for Services Accounting---$160,931
Conferences and Meetings---$134,427
Travel---$23,504
Total Functional Expenses$0$0$0$60,000,481

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$60,000,481
Total Expenses per Audited Statements$60,000,481
Total Expenses per Form 990$60,000,481
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$1,257,156,666
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

“The 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 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
2019-04-22

Organization Details

Principal Officer
Ron Downing
Formed
1952
Legal Domicile
TX
Voting Board Members
7
Independent Board Members
7
Employees
449
Volunteers
0
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IRS990/Form990PartVIISectionAGrp/PersonNm0Bob Schumacher
IRS990/Form990PartVIISectionAGrp/PersonNm1Sally Moseley
IRS990/Form990PartVIISectionAGrp/PersonNm2Doug Wilcher
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
IRS990/Form990PartVIISectionAGrp/PersonNm11Rito Garza
IRS990/Form990PartVIISectionAGrp/PersonNm12Don Mozingo
IRS990/Form990PartVIISectionAGrp/PersonNm13Randal Ward
IRS990/Form990PartVIISectionAGrp/PersonNm14Velsie Borja
IRS990/Form990PartVIISectionAGrp/PersonNm15Jennifer Kilgore
IRS990/Form990PartVIISectionAGrp/PersonNm16Jon Hartman
IRS990/Form990PartVIISectionAGrp/PersonNm17Tricia Smith
IRS990/Form990PartVIISectionAGrp/PersonNm18Jill Vinson
IRS990/Form990PartVIISectionAGrp/PersonNm19Arthur Gordon
IRS990/Form990PartVIISectionAGrp/PersonNm20Patrick Thomas
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt012000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt112000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt212000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt312000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt412000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt512000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt611000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7990435
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8379104
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9298617
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10257977
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11242853
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12238880
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13178682
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14176547
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15147114
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16142135
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17135915
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18133958
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19126149
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20192037
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice - Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP/CDO
IRS990/Form990PartVIISectionAGrp/TitleTxt9EVP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EVP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP/CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13SR VP Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP
IRS990/Form990PartVIISectionAGrp/TitleTxt15Senior Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt16Senior Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt17Sr VP Accounting
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt19Senior Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP Commerical Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd01
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt030069
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt02802881
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt079644447
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt027
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt010885983
IRS990/InsuranceGrp/TotalAmt0254153
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt08131088
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt05559805
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05559805
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd01
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0139354613
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0162725612
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt032975
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt029222420
IRS990/LandBldgEquipBasisNetGrp/BOYAmt027725305
IRS990/LandBldgEquipBasisNetGrp/EOYAmt028208880
IRS990/LandBldgEquipCostOrOtherBssAmt057431300
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt02772812
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
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/NetAssetsOrFundBalancesBOYAmt0117993625
IRS990/NetAssetsOrFundBalancesEOYAmt0133468780
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt030069
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt030069
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt062784
IRS990/NetUnrlzdGainsLossesInvstAmt0-1395999
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt02251105
IRS990/OfficeExpensesGrp/TotalAmt05025275
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt025141181
IRS990/OtherAssetsTotalGrp/EOYAmt022751354
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01744189
IRS990/OtherExpensesGrp/Desc0Education
IRS990/OtherExpensesGrp/Desc1Loan Losses Provision
IRS990/OtherExpensesGrp/TotalAmt0487575
IRS990/OtherExpensesGrp/TotalAmt14235000
IRS990/OtherLiabilitiesGrp/BOYAmt01203761386
IRS990/OtherLiabilitiesGrp/EOYAmt01257156666
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt017328223
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01053853065
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01097449391
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt01447354
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01302560
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01322513
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01777381
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/RelatedOrExemptFuncIncomeAmt044977340
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt121979581
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22841143
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31420913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt044977340
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt121979581
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22841143
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31483697
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt362784
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 129,000 member-owner accounts as of 12/31/18 - each with a vote to elect our voluntary Board of Directors. Access is available through our 17 branch network, home banking, phone apps, 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.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03184134
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt031756343

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,423,471,394
Liabilities
$1,290,002,614
Net assets
$133,468,780
Revenue
$76,871,635
Expenses
$60,000,481
Net income
$16,871,154
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
2018Detailed filing. Detailed filing data is available for this year.$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