Civic Intelligence

First Service Credit Union

990 • Fiscal year 2015 • EIN 74-1951016

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 03, 2016

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

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

12th percentile

12.96x

Higher debt load relative to revenue than 12% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

77th percentile

19%

Higher net margin than 77% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

63rd percentile

$462,582

Higher top officer pay than 63% of similar nonprofits.

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

85th percentile

12%

Faster asset growth than 85% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

98th percentile

38%

Faster revenue growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets64th percentile

Assets

Flat

$597,616,458

Flat from 2015

Net Assets

Flat

$57,963,142

Flat from 2015

Liabilities

Flat

$539,653,316

Flat from 2015

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin77th percentile

Revenue

Flat

$41,630,849

Flat from 2015

Expenses

Flat

$33,579,298

Flat from 2015

Net Income

Flat

$8,051,551

Flat from 2015

Historical Trend

Balance Sheet Trend

Asset Growth85th 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 2015: $597,616,458Liabilities 2015: $539,653,316Net Assets 2015: $57,963,1422015Assets 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

2015

Assets$597,616,458
Liabilities$539,653,316
Net Assets$57,963,142
Open 2015 Filing

Operations Trend

Revenue Growth98th 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 2015: $41,630,849Expenses 2015: $33,579,298Net Income 2015: $8,051,5512015Revenue 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

2015

Revenue$41,630,849
Expenses$33,579,298
Net Income$8,051,551
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 3, 2016
Return Version
2015v2.1
Gross Receipts
$50,842,704
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$370,662,859$443,331,692▲ $72,668,833
Investments in Publicly Traded Securities$101,118,654$67,563,849▼ $33,554,805
Rtn Earn Endowment Incm Other Fnds$49,614,774$57,963,142▲ $8,348,368
Cash and Non-Interest-Bearing Accounts$26,660,370$40,627,805▲ $13,967,435
Land, Buildings, and Equipment, Net$15,823,252$20,508,963▲ $4,685,711
Investments Other Securities$4,297,966$2,303,417▼ $1,994,549
Prepaid Expenses and Deferred Charges$559,765$670,879▲ $111,114
Accounts Receivable$986,103$509,846▼ $476,257
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$533,714,836$597,616,458▲ $63,901,622
Other Assets Total$13,605,867$22,100,007▲ $8,494,140
Liabilities
Other Liabilities$471,327,913$527,911,332▲ $56,583,419
Accounts Payable and Accrued Expenses$12,295,939$11,509,359▼ $786,580
Escrow Account Liability$476,210$232,625▼ $243,585
Total Liabilities$484,100,062$539,653,316▲ $55,553,254
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,614,774$57,963,142▲ $8,348,368
Total Liabilities and Net Assets / Fund Balance$533,714,836$597,616,458▲ $63,901,622

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,863,202$2,227,942$13,091,144
Equipment$2,083,386$6,198,712$8,282,098
Land$5,614,804-$5,614,804
Other Land Buildings$1,508,162-$1,508,162
Leasehold Improvements$439,409$346,113$785,522
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David BleazardPresident/CEOFT$312,727$149,855$462,582
Mike McwethyCOOFT$183,676$73,246$256,922
Frank HalsteadCIOFT$142,965$49,651$192,616
Jana HeatonCFOFT$136,107$39,714$175,821
Debra LittleCLOFT$130,972$39,694$170,666
Michael AlexanderInvestment RepresentativeFT$143,728$3,613$147,341
Jianjun BaiVP of Systems Development & Host OpsFT$128,858$14,373$143,231

Board Members and Trustees

NameTitle
Gary GodwinChair
Janet HillVice Chair
David ItzDirector
Jack BartellDirector
James HarkriderDirector
Kourtney CalhounDirector
Merv SwanDirector
Paul LoveDirector
Wayne TaylorSecretary
Doug EsmondTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
American Service GroupWarrantyPO BOX 3400, Conroe, TX 77305$3,115,819
Corelation INCLicense Of New Core System2878 CAMINO DEL RIO SOUTH SUITE 41, San Diego, CA 92108$663,807
ComputekComputer Equipment9580 COMMERCE CENTER DRIVE, Rancho Cucamonga, CA 91730$583,776
Jack Henry & AssociatesAccounting Software SupportPO BOX 609, Monett, MO 65708$383,273
ComcastInternet ServicePO BOX 37601, Philadelphia, PA 19101$294,298
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$38,328,355
Investment Income
$3,302,494
Other Revenue
$0
Change in Net Assets
$8,051,551
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,036,482
Salaries, Compensation, and Employee Benefits$12,740,661
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,554,486
Office Expenses---$3,087,301
Benefits to Members---$2,802,155
Fees for Services Other---$2,723,549
Advertising---$1,352,119
Other Employee Benefits---$1,179,819
Depreciation Depletion---$1,041,860
Occupancy---$938,154
Payroll Taxes---$815,846
Current Officers, Directors, Trustees, and Key Employees---$638,403
Pension Plan Contributions---$552,107
Conferences and Meetings---$281,476
Other Expenses---$195,916
Fees for Services Legal---$86,792
Fees for Services Accounting---$80,980
All Other Expenses---$50,106
Fees for Service Investment Mgmnt Fees---$25,652
Total Functional Expenses$0$0$0$33,579,298
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$527,911,332
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
2016-11-03
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
229
Volunteers
10

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Sherri Wessels
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Reclassification for gains included in net income -266.”

FORM 990, PART XII, LINE 2C:

“This process has not changed from 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 it has 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 consolidated financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2015 and 2014. The credit union's 2012 through 2015 tax years are open for examination by federal and state taxing authorities. The income from the cusos, 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 592 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/OtherCompensationAmt1045196
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1121007
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1220488
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1334643
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1427953
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt153613
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1614373
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/PersonNm16JIANJUN BAI
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/ReportableCompFromOrgAmt10417386
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11154814
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12150178
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13222279
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14164663
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15143728
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16128858
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/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt12CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt13COO
IRS990/Form990PartVIISectionAGrp/TitleTxt14CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt15INVESTMENT REPRESENTATIVE
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OF SYSTEMS DEVELOPMENT & HOST OPS
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01977
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt02276971
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt011488826
IRS990/GrossReceiptsAmt050842704
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt014
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InvestmentIncomeGrp/ExclusionAmt01025523
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01025523
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt04297966
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt02303417
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0101118654
IRS990/InvestmentsPubTradedSecGrp/EOYAmt067563849
IRS990/IRPDocumentCnt012969
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08772767
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015823252
IRS990/LandBldgEquipBasisNetGrp/EOYAmt020508963
IRS990/LandBldgEquipCostOrOtherBssAmt029281730
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt09211855
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/NetAssetsOrFundBalancesBOYAmt049614774
IRS990/NetAssetsOrFundBalancesEOYAmt057963142
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt02276971
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02276971
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0297083
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0938154
IRS990/OfficeExpensesGrp/TotalAmt03087301
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt013605867
IRS990/OtherAssetsTotalGrp/EOYAmt022100007
IRS990/OtherChangesInNetAssetsAmt0-266
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01179819
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc2SECURITY EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt06535000
IRS990/OtherExpensesGrp/TotalAmt11096360
IRS990/OtherExpensesGrp/TotalAmt2541217
IRS990/OtherExpensesGrp/TotalAmt3195916
IRS990/OtherLiabilitiesGrp/BOYAmt0471327913
IRS990/OtherLiabilitiesGrp/EOYAmt0527911332
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt09554486
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0370662859
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0443331692
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0815846
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0552107
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0559765
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0670879
IRS990/PrincipalOfficerNm0DAVID BLEAZARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt023890530
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt113748511
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt023890530
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt114437825
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0689314
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/PYBenefitsPaidToMembersAmt02206642
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01950600
IRS990/PYOtherExpensesAmt012384283
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt028171310
IRS990/PYRevenuesLessExpensesAmt05601572
IRS990/PYSalariesCompEmpBnftPaidAmt09929413
IRS990/PYTotalExpensesAmt024520338
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt030121910
IRS990/ReconcilationRevenueExpnssAmt08051551
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt049614774
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt057963142
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt010863202
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02227942
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt013091144
IRS990ScheduleD/EquipmentGrp/BookValueAmt02083386
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06198712
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08282098
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt05614804
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05614804
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0439409
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0346113
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0785522
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01508162
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01508162
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0527911332
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 IT HAS 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 CONSOLIDATED FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2015 AND 2014. THE CREDIT UNION'S 2012 THROUGH 2015 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. THE INCOME FROM THE CUSOS, 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/TotalBookValueLandBuildingsAmt020508963
IRS990ScheduleD/TotalLiabilityAmt0527911332
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0312727
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1136107
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2130972
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3183676
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4142965
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0104659
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount118707
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount219206
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount338603

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$597,616,458
Liabilities
$539,653,316
Net assets
$57,963,142
Revenue
$41,630,849
Expenses
$33,579,298
Net income
$8,051,551
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
2015Detailed filing. Detailed filing data is available for this year.$598$540$58.0$41.6$33.6$8.05
2015Summary only. Only limited summary data is available for this year.$598$540$58.0$41.6$33.6$8.05
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