Civic Intelligence

First Service Credit Union

990 • Fiscal year 2016 • EIN 74-1951016

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 01, 2017

16430 Park Ten PlaceHouston, TX 77084

(713) 676-8944

Siviq Scores

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

Liabilities / Assets

59th percentile

0.90x

Higher debt load relative to assets than 59% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

10th percentile

13.09x

Higher debt load relative to revenue than 10% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

25th percentile

8.4%

Higher net margin than 25% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

86th percentile

$647,857

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

29th percentile

4.1%

Faster asset growth than 29% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

18th percentile

2.9%

Faster revenue growth than 18% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Assets

Up

$622,183,577

Up $24,567,119 (+4.1%) from 2015

Net Assets

Up

$61,206,249

Up $3,243,107 (+5.6%) from 2015

Liabilities

Up

$560,977,328

Up $21,324,012 (+4.0%) from 2015

Revenue

Up

$42,839,861

Up $1,209,012 (+2.9%) from 2015

Expenses

Up

$39,228,036

Up $5,648,738 (+17%) from 2015

Net Income

Down

$3,611,825

Down $4,439,726 (-55%) from 2015

Historical Trend

Balance Sheet Trend

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 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

2016

Assets$622,183,577
Liabilities$560,977,328
Net Assets$61,206,249

Operations Trend

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 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

2016

Revenue$42,839,861
Expenses$39,228,036
Net Income$3,611,825
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 1, 2017
Return Version
2016v3.0
Gross Receipts
$59,690,652
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$443,331,692$484,625,384▲ $41,293,692
Rtn Earn Endowment Incm Other Fnds$57,963,142$61,206,249▲ $3,243,107
Investments in Publicly Traded Securities$67,563,849$51,174,679▼ $16,389,170
Cash and Non-Interest-Bearing Accounts$40,627,805$32,292,944▼ $8,334,861
Land, Buildings, and Equipment, Net$20,508,963$27,066,238▲ $6,557,275
Investments Other Securities$2,303,417$3,951,930▲ $1,648,513
Intangible Assets-$2,554,428-
Prepaid Expenses and Deferred Charges$670,879$1,017,123▲ $346,244
Accounts Receivable$509,846$638,287▲ $128,441
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$597,616,458$622,183,577▲ $24,567,119
Other Assets Total$22,100,007$18,862,564▼ $3,237,443
Liabilities
Other Liabilities$527,911,332$517,238,239▼ $10,673,093
Mortgage Notes Payable Secured by Investment Property-$30,000,000-
Accounts Payable and Accrued Expenses$11,509,359$13,393,154▲ $1,883,795
Escrow Account Liability$232,625$345,935▲ $113,310
Total Liabilities$539,653,316$560,977,328▲ $21,324,012
Net Assets / Fund Balance
Total Net Assets Fund Balance$57,963,142$61,206,249▲ $3,243,107
Total Liabilities and Net Assets / Fund Balance$597,616,458$622,183,577▲ $24,567,119

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$13,071,733$1,784,019$14,855,752
Equipment$3,376,458$6,910,469$10,286,927
Land$9,357,867-$9,357,867
Other Land Buildings$891,940-$891,940
Leasehold Improvements$368,240$387,216$755,456
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
David BleazardPresident/CEOFT$298,942$348,915$647,857
Michael McwethyEvpFT$203,400$213,472$416,872
Jana HeatonCFOFT$137,931$60,100$198,031
Debra LittleCLOFT$134,724$61,616$196,340
Frank HalsteadCIOFT$143,369$44,560$187,929
John JacksonCAOFT$136,429$43,205$179,634
Michael AlexanderFinancial AdvisorFT$34,957$121,291$156,248

Board Members and Trustees

NameTitle
Janet HillChair
Kourtney CalhounVice Chair
David ItzDirector
Jack BartellDirector
Merv SwanDirector
Paul LoveDirector
Wayne TaylorDirector
James HarkriderSecretary
Doug EsmondTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Embree ConstructionNew Branch Design Development4747 WILLIAMS DRIVE, Georgetown, TX 78633$469,912
Hinda IncentivesDebit Card Reward Program2440 W 34TH ST, Chicago, IL 60608$465,277
Business Data INCData Processing, Printing, Mail, ArchivePO BOX 6081, Inglewood, CA 90302$405,752
Insight GlobalTemp AgencyPO BOX 198226, Atlanta, GA 30384$369,458
SafeguardPrinting Material For Loan Promos600 CENTURY PLAZA DR STE C105, Houston, TX 77073$327,521
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$41,736,158
Investment Income
$1,103,703
Other Revenue
$0
Change in Net Assets
$3,611,825
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,297,395
Salaries, Compensation, and Employee Benefits$13,807,802
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,245,916
Office Expenses---$3,412,313
Benefits to Members---$3,122,839
Fees for Services Other---$2,382,200
Other Employee Benefits---$1,509,157
Occupancy---$1,461,061
Advertising---$1,391,187
Depreciation Depletion---$1,371,971
Current Officers, Directors, Trustees, and Key Employees---$845,888
Payroll Taxes---$828,802
Other Expenses---$626,994
Fees for Services Accounting---$452,933
Pension Plan Contributions---$378,039
Conferences and Meetings---$364,746
Fees for Services Legal---$189,753
All Other Expenses---$170,479
Fees for Services Management---$67,084
Interest---$61,787
Total Functional Expenses$0$0$0$39,228,036
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$517,238,239
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 11B

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
16430 PARK TEN PLACE, HOUSTON, TX 77084

Signing Officer

Name
Jana Heaton
Title
Chief Financial Officer
Phone
7136768944
Signed
2017-08-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Bleazard
Formed
1977
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
237
Volunteers
14

Preparer

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

Additional Explanations

FORM 990, PART XII, LINE 2C:

The 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, by statute, from federal and state income taxes. However, the credit union is subject to unrelated business income tax. The income from the credit union's wholly owned cuso(s), is subject to federal and state income taxes.

Raw XML AppendixShowing 400 of 633 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt011509359
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt013393154
IRS990/AccountsReceivableGrp/BOYAmt0509846
IRS990/AccountsReceivableGrp/EOYAmt0638287
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0FIRST SERVICE CREDIT UNION IS A COOPERATIVE CREDIT UNION THAT PROVIDES FINANCIAL PRODUCTS AND SERVICES TO MEMBERS.
IRS990/AddressChangeInd0X
IRS990/AdvertisingGrp/TotalAmt01391187
IRS990/AllOtherExpensesGrp/TotalAmt0170479
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt03122839
IRS990/BooksInCareOfDetail/PersonNm0JANA HEATON CFO
IRS990/BooksInCareOfDetail/PhoneNum07136768944
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt016430 PARK TEN PLACE
IRS990/BooksInCareOfDetail/USAddress/CityNm0HOUSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TX
IRS990/BooksInCareOfDetail/USAddress/ZIPCd077084
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt040627805
IRS990/CashNonInterestBearingGrp/EOYAmt032292944
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt024
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0845888
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0364746
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt0469912
IRS990/ContractorCompensationGrp/CompensationAmt1465277
IRS990/ContractorCompensationGrp/CompensationAmt2405752
IRS990/ContractorCompensationGrp/CompensationAmt3369458
IRS990/ContractorCompensationGrp/CompensationAmt4327521
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt04747 WILLIAMS DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12440 W 34TH ST
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 6081
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 198226
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4600 CENTURY PLAZA DR STE C105
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0GEORGETOWN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2INGLEWOOD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4HOUSTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd078633
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160608
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd290302
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd330384
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd477073
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0EMBREE CONSTRUCTION
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1HINDA INCENTIVES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2BUSINESS DATA INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3INSIGHT GLOBAL
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4SAFEGUARD
IRS990/ContractorCompensationGrp/ServicesDesc0NEW BRANCH DESIGN DEVELOPMENT
IRS990/ContractorCompensationGrp/ServicesDesc1DEBIT CARD REWARD PROGRAM
IRS990/ContractorCompensationGrp/ServicesDesc2DATA PROCESSING, PRINTING, MAIL, ARCHIVE
IRS990/ContractorCompensationGrp/ServicesDesc3TEMP AGENCY
IRS990/ContractorCompensationGrp/ServicesDesc4PRINTING MATERIAL FOR LOAN PROMOS
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt03122839
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01103703
IRS990/CYOtherExpensesAmt022297395
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt041736158
IRS990/CYRevenuesLessExpensesAmt03611825
IRS990/CYSalariesCompEmpBnftPaidAmt013807802
IRS990/CYTotalExpensesAmt039228036
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt042839861
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01371971
IRS990/Desc0FIRST SERVICE CREDIT UNION OFFERS SAVINGS ACCOUNTS TO MEMBERS OF ALL AGES THAT PAY DIVIDENDS ON A MONTHLY BASIS. WE HAD APPROXIMATELY 55,748 MEMBER-OWNED SAVINGS ACCOUNTS AS OF DECEMBER 31, 2016. MEMBERS CAN ACCESS THEIR SAVINGS ACCOUNTS THROUGH OUR BRANCH NETWORK, INCLUDING OUR NATIONWIDE SHARED BRANCHING NETWORK. MEMBERS CAN ALSO ACCESS THEIR SAVINGS ACCOUNTS VIA HOME BANKING, TELEPHONE, MOBILE DEVICES AND ATMS. WE ALSO OFFER SPECIAL SAVINGS ACCOUNTS FOR CHILDREN AND TEENAGERS TO ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0237
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0232625
IRS990/EscrowAccountLiabilityGrp/EOYAmt0345935
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0452933
IRS990/FeesForServicesLegalGrp/TotalAmt0189753
IRS990/FeesForServicesManagementGrp/TotalAmt067084
IRS990/FeesForServicesOtherGrp/TotalAmt02382200
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt950.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1150.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1250.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1350.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1450.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1550.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt9239001
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1042849
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1145681
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt12189001
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1327300
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt144808
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1529611
IRS990/Form990PartVIISectionAGrp/PersonNm0JANET HILL
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES HARKRIDER
IRS990/Form990PartVIISectionAGrp/PersonNm2KOURTNEY CALHOUN
IRS990/Form990PartVIISectionAGrp/PersonNm3PAUL LOVE
IRS990/Form990PartVIISectionAGrp/PersonNm4JACK BARTELL
IRS990/Form990PartVIISectionAGrp/PersonNm5DOUG ESMOND
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVID ITZ
IRS990/Form990PartVIISectionAGrp/PersonNm7MERV SWAN
IRS990/Form990PartVIISectionAGrp/PersonNm8WAYNE TAYLOR
IRS990/Form990PartVIISectionAGrp/PersonNm9DAVID BLEAZARD
IRS990/Form990PartVIISectionAGrp/PersonNm10JANA HEATON
IRS990/Form990PartVIISectionAGrp/PersonNm11DEBRA LITTLE
IRS990/Form990PartVIISectionAGrp/PersonNm12MICHAEL MCWETHY
IRS990/Form990PartVIISectionAGrp/PersonNm13FRANK HALSTEAD
IRS990/Form990PartVIISectionAGrp/PersonNm14MICHAEL ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm15JOHN JACKSON
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/ReportableCompFromOrgAmt9408856
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10155182
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11150659
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12227871
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13160629
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14151440
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15150023
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/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt12EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt13CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt14FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15CAO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01977
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-165889
IRS990/GainOrLossGrp/SecuritiesAmt0125910
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt05421866
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt011388946
IRS990/GrossReceiptsAmt059690652
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt011
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/IntangibleAssetsGrp/EOYAmt02554428
IRS990/InterestGrp/TotalAmt061787
IRS990/InvestmentIncomeGrp/ExclusionAmt01143682
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01143682
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt02303417
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03951930
IRS990/InvestmentsPubTradedSecGrp/BOYAmt067563849
IRS990/InvestmentsPubTradedSecGrp/EOYAmt051174679
IRS990/IRPDocumentCnt014837
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09081704
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020508963
IRS990/LandBldgEquipBasisNetGrp/EOYAmt027066238
IRS990/LandBldgEquipCostOrOtherBssAmt036147942
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt05587755
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt011263036
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/MortgNotesPyblScrdInvstPropGrp/EOYAmt030000000
IRS990/NetAssetsOrFundBalancesBOYAmt057963142
IRS990/NetAssetsOrFundBalancesEOYAmt061206249
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-39979
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-39979
IRS990/NetUnrelatedBusTxblIncmAmt0-59385
IRS990/NetUnrlzdGainsLossesInvstAmt0-368718
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01461061
IRS990/OfficeExpensesGrp/TotalAmt03412313
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt022100007
IRS990/OtherAssetsTotalGrp/EOYAmt018862564
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01509157
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3SECURITY EXPENSE
IRS990/OtherExpensesGrp/TotalAmt08032900
IRS990/OtherExpensesGrp/TotalAmt11207373
IRS990/OtherExpensesGrp/TotalAmt21104614
IRS990/OtherExpensesGrp/TotalAmt3626994
IRS990/OtherLiabilitiesGrp/BOYAmt0527911332
IRS990/OtherLiabilitiesGrp/EOYAmt0517238239
IRS990/OtherOrganizationDsc0CU
IRS990/OtherSalariesAndWagesGrp/TotalAmt010245916
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0443331692
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0484625384
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0828802
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0378039
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0670879
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01017123
IRS990/PrincipalOfficerNm0DAVID BLEAZARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt026226894
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt18929704
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt25973295
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt026226894
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19535969
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25973295
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0606265
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/PYBenefitsPaidToMembersAmt02802155
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03302494
IRS990/PYOtherExpensesAmt018036482
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt038328355
IRS990/PYRevenuesLessExpensesAmt08051551
IRS990/PYSalariesCompEmpBnftPaidAmt012740661
IRS990/PYTotalExpensesAmt033579298
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt041630849
IRS990/ReconcilationRevenueExpnssAmt03611825
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt057963142
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt061206249
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt013071733
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01784019
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014855752
IRS990ScheduleD/EquipmentGrp/BookValueAmt03376458
IRS990ScheduleD/EquipmentGrp/DepreciationAmt06910469
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt010286927
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt09357867
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt09357867
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0368240
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0387216
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0755456
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0891940
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0891940
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0517238239
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, BY STATUTE, FROM FEDERAL AND STATE INCOME TAXES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE INCOME FROM THE CREDIT UNION'S WHOLLY OWNED CUSO(S), IS SUBJECT TO FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt027066238
IRS990ScheduleD/TotalLiabilityAmt0517238239
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0298942
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1137931
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2134724
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3203400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4143369
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt534957

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
2016Detailed filing. Detailed filing data is available for this year.$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
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