Civic Intelligence

First Service Credit Union

990 • Fiscal year 2014 • EIN 74-1951016

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 13, 2015

Organization ProfileWWW.FSCU.COM

View Organization Page

9621 W Sam Houston Parkway NHouston, TX 77064

(713) 676-8944

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.91x

Higher debt load relative to assets than 72% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

29th percentile

16.07x

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

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

70th percentile

19%

Higher net margin than 70% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

59th percentile

$411,632

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

92nd percentile

14%

Faster asset growth than 92% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

96th percentile

20%

Faster revenue growth than 96% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Flat

$533,714,836

Flat from 2014

Net Assets

Flat

$49,614,774

Flat from 2014

Liabilities

Flat

$484,100,062

Flat from 2014

Revenue And Expenses
Liabilities / Revenue29th percentileNet Margin70th percentile

Revenue

Flat

$30,121,910

Flat from 2014

Expenses

Flat

$24,520,338

Flat from 2014

Net Income

Flat

$5,601,572

Flat from 2014

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2011: $317,935,450Liabilities 2011: $292,368,325Net Assets 2011: $25,567,1252011Assets 2012: $329,075,326Liabilities 2012: $299,281,387Net Assets 2012: $29,793,9392012Assets 2013: $467,547,841Liabilities 2013: $425,859,429Net Assets 2013: $41,688,4122013Assets 2014: $533,714,836Liabilities 2014: $484,100,062Net Assets 2014: $49,614,7742014Assets 2014: $533,714,836Liabilities 2014: $484,100,062Net Assets 2014: $49,614,7742014Assets 2015: $597,616,458Liabilities 2015: $539,653,316Net Assets 2015: $57,963,1422015Assets 2016: $622,183,577Liabilities 2016: $560,977,328Net Assets 2016: $61,206,2492016Assets 2017: $696,939,493Liabilities 2017: $631,505,062Net Assets 2017: $65,434,4312017Assets 2018: $746,344,958Liabilities 2018: $675,719,780Net Assets 2018: $70,625,1782018Assets 2019: $759,318,816Liabilities 2019: $684,464,746Net Assets 2019: $74,854,0702019Assets 2020: $788,164,452Liabilities 2020: $707,798,490Net Assets 2020: $80,365,9622020Assets 2021: $855,098,387Liabilities 2021: $763,934,921Net Assets 2021: $91,163,4662021Assets 2022: $1,392,074,135Liabilities 2022: $1,259,395,104Net Assets 2022: $132,679,0312022Assets 2023: $1,331,618,730Liabilities 2023: $1,189,674,966Net Assets 2023: $141,943,7642023Assets 2024: $1,605,676,109Liabilities 2024: $1,459,444,782Net Assets 2024: $146,231,3272024

Highlighted filing

2014

Assets$533,714,836
Liabilities$484,100,062
Net Assets$49,614,774
Open 2014 Filing

Operations Trend

Revenue Growth96th percentile

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

$100M$50M$0Expenses 2011: $20,245,3112011Revenue 2012: $21,833,141Expenses 2012: $18,075,433Net Income 2012: $3,757,7082012Revenue 2013: $25,200,129Expenses 2013: $22,015,618Net Income 2013: $3,184,5112013Revenue 2014: $30,121,910Expenses 2014: $24,520,338Net Income 2014: $5,601,5722014Revenue 2014: $30,121,910Expenses 2014: $24,520,338Net Income 2014: $5,601,5722014Revenue 2015: $41,630,849Expenses 2015: $33,579,298Net Income 2015: $8,051,5512015Revenue 2016: $42,839,861Expenses 2016: $39,228,036Net Income 2016: $3,611,8252016Revenue 2017: $46,908,154Expenses 2017: $42,559,524Net Income 2017: $4,348,6302017Revenue 2018: $48,771,790Expenses 2018: $42,877,936Net Income 2018: $5,893,8542018Revenue 2019: $51,399,270Expenses 2019: $48,951,438Net Income 2019: $2,447,8322019Revenue 2020: $50,262,895Expenses 2020: $45,112,307Net Income 2020: $5,150,5882020Revenue 2021: $54,328,304Expenses 2021: $42,930,533Net Income 2021: $11,397,7712021Revenue 2022: $71,188,784Expenses 2022: $61,019,978Net Income 2022: $10,168,8062022Revenue 2023: $85,450,936Expenses 2023: $74,201,530Net Income 2023: $11,249,4062023Revenue 2024: $91,080,564Expenses 2024: $89,901,579Net Income 2024: $1,178,9852024

Highlighted filing

2014

Revenue$30,121,910
Expenses$24,520,338
Net Income$5,601,572
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 13, 2015
Return Version
2014v5.0
Gross Receipts
$60,452,542
Mission and Program Overview

Mission

First service credit union is a cooperative credit union that provides financial products and services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$292,778,566$370,662,859▲ $77,884,293
Investments in Publicly Traded Securities$132,085,181$101,118,654▼ $30,966,527
Rtn Earn Endowment Incm Other Fnds$41,688,412$49,614,774▲ $7,926,362
Cash and Non-Interest-Bearing Accounts$8,664,859$26,660,370▲ $17,995,511
Land, Buildings, and Equipment, Net$10,589,708$15,823,252▲ $5,233,544
Investments Other Securities$6,999,115$4,297,966▼ $2,701,149
Accounts Receivable$2,531,680$986,103▼ $1,545,577
Prepaid Expenses and Deferred Charges$718,326$559,765▼ $158,561
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$467,547,841$533,714,836▲ $66,166,995
Other Assets Total$13,180,406$13,605,867▲ $425,461
Liabilities
Other Liabilities$415,964,928$471,327,913▲ $55,362,985
Accounts Payable and Accrued Expenses$9,803,238$12,295,939▲ $2,492,701
Escrow Account Liability$91,263$476,210▲ $384,947
Total Liabilities$425,859,429$484,100,062▲ $58,240,633
Net Assets / Fund Balance
Total Net Assets Fund Balance$41,688,412$49,614,774▲ $7,926,362
Total Liabilities and Net Assets / Fund Balance$467,547,841$533,714,836▲ $66,166,995

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,701,608$1,903,020$9,604,628
Equipment$1,689,637$5,847,904$7,537,541
Land$3,227,716-$3,227,716
Other Land Buildings$3,166,878-$3,166,878
Leasehold Improvements$37,413$297,482$334,895
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David BleazardPresident/CEOFT$261,584$150,048$411,632
Mike McwethyCOOFT$157,458$63,723$221,181
Frank HalsteadCIOFT$133,178$55,827$189,005
Jana HeatonCFOFT$124,432$41,271$165,703
Debra LittleCLOFT$122,002$41,230$163,232
Michael AlexanderFinancial AdvisorFT$134,200$3,701$137,901
Debbie WashingtonBranch ManagerFT$100,363$17,206$117,569

Board Members and Trustees

NameTitle
Gary GodwinChair
Janet HillVice Chair
David ItzDirector
Doug EsmondDirector
Jack BartellDirector
Merv SwanDirector
Paul LoveDirector
Wayne TaylorDirector
James HarkriderSecretary
Kourtney CalhounTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
American Service GroupWarrantyPO BOX 3400, Conroe, TX 77305$2,164,108
Sli Group INCHome Office Remodel/renovation10200 KATY FREEWAY, Houston, TX 77043$412,905
Meridian Constructors LLCTunnnel Branch Renovation6105 BRITTMOORE ROAD SUITE B, Houston, TX 77041$354,094
Level 5 LLCNew Branch Design Development2018 POWERS FERRY RD SE SUITE 750, Atlanta, GA 30339$272,637
ComcastCommunication ChargesPO BOX 37601, Philadelphia, PA 19101$268,323
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,171,310
Investment Income
$1,950,600
Other Revenue
$0
Change in Net Assets
$5,601,572
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,384,283
Salaries, Compensation, and Employee Benefits$9,929,413
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,486,922
Office Expenses---$2,706,325
Benefits to Members---$2,206,642
Fees for Services Other---$2,120,599
Advertising---$1,137,765
Depreciation Depletion---$828,123
Other Employee Benefits---$783,955
Occupancy---$749,199
Payroll Taxes---$607,630
Current Officers, Directors, Trustees, and Key Employees---$577,335
Pension Plan Contributions---$473,571
Conferences and Meetings---$248,230
Fees for Services Accounting---$163,562
Other Expenses---$159,746
Fees for Services Legal---$106,253
Fees for Service Investment Mgmnt Fees---$55,604
All Other Expenses---$40,551
Total Functional Expenses$0$0$0$24,520,338
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Cds$471,327,913
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends.”

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

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“Form 990 is reviewed by the cfo and ceo, along with the board of directors, prior to being filed with the irs.”

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

“The employee handbook clearly defines when a conflict of interest arises and requires each employee to make prompt and full disclosure to the president/ceo of any situation that may involve an existing or a potential conflict of interest. Employees sign an acknowledgement annually stating that they will report any conflicts of interest. Additionally, employees are encouraged to go to the compliance officer for conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The board hires an independent compensation consultant to conduct a market rate analysis of the total compensation package for the ceo/president of the credit union. The board reviews the consultant's findings, determines and approves the compensation package for the ceo/president. We conduct compensation surveys for other officers and key employees of the organization in order to determine pay increases based on the level of responsibility within the credit union and individual job performance.”

Form 990, Part VI, Section C, Line 19

“Disclosed on our website (www.fscu.com) - the following documents are available for members to review by contacting the credit union in writing and providing an address to send the requested information: 1 - summary of the most recent annual audit, 2 - balance sheet and income statement, 3 - irs form 990, 4 - written board policy regarding access to articles of incorporation, by laws, rules, guidelines, board policies and copies thereof.”

Filing and Contact Details

Filer

Filer Name
First Service Credit Union
EIN
74-1951016
Phone
7136768944
Address
9621 W SAM HOUSTON PARKWAY N, HOUSTON, TX 77064

Signing Officer

Name
Jana Heaton
Title
Chief Financial Officer
Phone
7136768944
Signed
2015-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Bleazard
Formed
1977
Legal Domicile
TX
Voting Board Members
10
Independent Board Members
10
Employees
182
Volunteers
10

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Scott a Felten
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclassification for gains included in net income -75,905.”

FORM 990, PART XII, LINE 2C:

“The process has not changed since the prior year.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds funds in escrow to pay taxes and insurance on behalf of its mortgage loan members.”

PART X, LINE 2:

“The credit union is exempt, under irc 501 (c) (14), from federal and state income taxes. Certain products and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. The credit union has filed tax returns in the past for activities they have deemed taxable and has a minimal net operating loss carryforward as of the 2014 calendar year. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2014 and 2013. The credit union's 2011 through 2014 tax years are open for examination by federal and state taxing authorities. The income from the cuso, organized as an llc, flows through to the credit union, and therefore is not subject to federal and state income taxes.”

Raw XML AppendixShowing 400 of 585 raw XML fields

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/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1047100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1121544
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1221397
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1339128
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1433067
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt153701
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1617206
IRS990/Form990PartVIISectionAGrp/PersonNm0GARY GODWIN
IRS990/Form990PartVIISectionAGrp/PersonNm1JANET HILL
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES HARKRIDER
IRS990/Form990PartVIISectionAGrp/PersonNm3KOURTNEY CALHOUN
IRS990/Form990PartVIISectionAGrp/PersonNm4PAUL LOVE
IRS990/Form990PartVIISectionAGrp/PersonNm5JACK BARTELL
IRS990/Form990PartVIISectionAGrp/PersonNm6DOUG ESMOND
IRS990/Form990PartVIISectionAGrp/PersonNm7DAVID ITZ
IRS990/Form990PartVIISectionAGrp/PersonNm8MERV SWAN
IRS990/Form990PartVIISectionAGrp/PersonNm9WAYNE TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID BLEAZARD
IRS990/Form990PartVIISectionAGrp/PersonNm11JANA HEATON
IRS990/Form990PartVIISectionAGrp/PersonNm12DEBRA LITTLE
IRS990/Form990PartVIISectionAGrp/PersonNm13MIKE MCWETHY
IRS990/Form990PartVIISectionAGrp/PersonNm14FRANK HALSTEAD
IRS990/Form990PartVIISectionAGrp/PersonNm15MICHAEL ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm16DEBBIE WASHINGTON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10364532
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11144159
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12141835
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13182053
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14155938
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15134200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16100363
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/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16BRANCH MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01977
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0200
IRS990/GainOrLossGrp/SecuritiesAmt075905
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt05959
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt030400778
IRS990/GrossReceiptsAmt060452542
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt01874495
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01874495
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt06999115
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt04297966
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0132085181
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0101118654
IRS990/IRPDocumentCnt011458
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08048406
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010589708
IRS990/LandBldgEquipBasisNetGrp/EOYAmt015823252
IRS990/LandBldgEquipCostOrOtherBssAmt023871658
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt05759
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt030324873
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0FIRST SERVICE CREDIT UNION IS A COOPERATIVE CREDIT UNION THAT PROVIDES FINANCIAL PRODUCTS AND SERVICES TO MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt041688412
IRS990/NetAssetsOrFundBalancesEOYAmt049614774
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt076105
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt076105
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt02400695
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0749199
IRS990/OfficeExpensesGrp/TotalAmt02706325
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013180406
IRS990/OtherAssetsTotalGrp/EOYAmt013605867
IRS990/OtherChangesInNetAssetsAmt0-75905
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0783955
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2SECURITY EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt02794330
IRS990/OtherExpensesGrp/TotalAmt1835621
IRS990/OtherExpensesGrp/TotalAmt2438375
IRS990/OtherExpensesGrp/TotalAmt3159746
IRS990/OtherLiabilitiesGrp/BOYAmt0415964928
IRS990/OtherLiabilitiesGrp/EOYAmt0471327913
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt07486922
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0292778566
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0370662859
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0607630
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0473571
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0718326
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0559765
IRS990/PrincipalOfficerNm0DAVID BLEAZARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018078378
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt19522154
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018078378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110092932
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0570778
IRS990/ProgSrvcAccomActy2Grp/Desc0FIRST SERVICE CREDIT UNION OFFERS CHECKING ACCOUNTS FOR OUR MEMBERS. SOME OF OUR CHECKING ACCOUNTS PAY DIVIDENDS ON A MONTHLY BASIS. CHECKING ACCOUNTS CAN BE ACCESSED THROUGH OUR BRANCH NETWORK AND A NATIONWIDE SHARED BRANCHING NETWORK. MEMBERS CAN ALSO ACCESS THEIR CHECKING ACCOUNTS VIA HOME BANKING, TELEPHONE, MOBILE DEVICES AND ATMS. MEMBERS CAN ALSO PAY BILLS ONLINE USING OUR FREE BILL PAY SERVICE.
IRS990/ProgSrvcAccomActy3Grp/Desc0FIRST SERVICE CREDIT UNION PROVIDES LOANS TO MEMBERS FOR A VARIETY OF LOAN TYPES SUCH AS NEW AND USED AUTOS, UNSECURED, BOAT, MOTORCYCLE, RECREATIONAL, AND REAL ESTATE AT VERY COMPETITIVE RATES WITH NO PRE-PAYMENT PENALTIES.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt01475942
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01768922
IRS990/PYOtherExpensesAmt011360714
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt023431207
IRS990/PYRevenuesLessExpensesAmt03184511
IRS990/PYSalariesCompEmpBnftPaidAmt09178962
IRS990/PYTotalExpensesAmt022015618
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt025200129
IRS990/ReconcilationRevenueExpnssAmt05601572
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt041688412
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt049614774
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07701608
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01903020
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09604628
IRS990ScheduleD/EquipmentGrp/BookValueAmt01689637
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05847904
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07537541
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt03227716
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03227716
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt037413
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0297482
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0334895
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03166878
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03166878
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0471327913
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND CDS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY TAXES AND INSURANCE ON BEHALF OF ITS MORTGAGE LOAN MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, UNDER IRC 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES THEY HAVE DEEMED TAXABLE AND HAS A MINIMAL NET OPERATING LOSS CARRYFORWARD AS OF THE 2014 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2014 AND 2013. THE CREDIT UNION'S 2011 THROUGH 2014 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE INCOME FROM THE CUSO, ORGANIZED AS AN LLC, FLOWS THROUGH TO THE CREDIT UNION, AND THEREFORE IS NOT SUBJECT TO FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt015823252
IRS990ScheduleD/TotalLiabilityAmt0471327913
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0261584
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1124432
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2122002
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3157458
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4133178
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0102442

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$533,714,836
Liabilities
$484,100,062
Net assets
$49,614,774
Revenue
$30,121,910
Expenses
$24,520,338
Net income
$5,601,572
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,606$1,459$146$91.1$89.9$1.18
2023Summary only. Only limited summary data is available for this year.$1,332$1,190$142$85.5$74.2$11.2
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,392$1,259$133$71.2$61.0$10.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$855$764$91.2$54.3$42.9$11.4
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$788$708$80.4$50.3$45.1$5.15
2019Summary only. Only limited summary data is available for this year.$759$684$74.9$51.4$49.0$2.45
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$746$676$70.6$48.8$42.9$5.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$697$632$65.4$46.9$42.6$4.35
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$622$561$61.2$42.8$39.2$3.61
2015Summary only. Only limited summary data is available for this year.$598$540$58.0$41.6$33.6$8.05
2014Detailed filing. Detailed filing data is available for this year.$534$484$49.6$30.1$24.5$5.60
2014Summary only. Only limited summary data is available for this year.$534$484$49.6$30.1$24.5$5.60
2013Detailed filing. Detailed filing data is available for this year.$468$426$41.7$25.2$22.0$3.18
2012Summary only. Only limited summary data is available for this year.$329$299$29.8$21.8$18.1$3.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$318$292$25.6$20.2
Peer Organizations

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