Civic Intelligence

First Priority Credit Union

990 • Fiscal year 2013 • EIN 75-0778427

Jan 01, 2013 to Dec 31, 2013 • Filed on May 12, 2014

Organization ProfileN/A

View Organization Page

3165 S 27th Street79605

(325) 692-4089

Siviq Scores

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

Liabilities / Assets

96th percentile

0.93x

Higher debt load relative to assets than 96% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

84th percentile

28.59x

Higher debt load relative to revenue than 84% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

23rd percentile

-3.2%

Higher net margin than 23% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

56th percentile

2.1%

Faster asset growth than 56% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

59th percentile

9.1%

Faster revenue growth than 59% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$14,925,847

Up $311,374 (+2.1%) from 2012

Net Assets

Down

$1,051,004

Down $17,463 (-1.6%) from 2012

Liabilities

Up

$13,874,843

Up $328,837 (+2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue84th percentileNet Margin23rd percentile

Revenue

$485,245

No earlier filing loaded for comparison.

Expenses

Down

$500,955

Down $25,633 (-4.9%) from 2012

Net Income

-$15,710

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$30M$20M$10M$0Assets 2011: $9,917,171Liabilities 2011: $32,902Net Assets 2011: $9,884,2692011Assets 2012: $14,614,473Liabilities 2012: $13,546,006Net Assets 2012: $1,068,4672012Assets 2013: $14,925,847Liabilities 2013: $13,874,843Net Assets 2013: $1,051,0042013Assets 2014: $15,505,549Liabilities 2014: $14,315,923Net Assets 2014: $1,189,6262014Assets 2015: $15,009,406Liabilities 2015: $13,803,417Net Assets 2015: $1,205,9892015Assets 2016: $14,238,381Liabilities 2016: $13,026,863Net Assets 2016: $1,211,5182016Assets 2017: $15,154,322Liabilities 2017: $13,897,316Net Assets 2017: $1,257,0062017Assets 2018: $15,814,597Liabilities 2018: $14,479,298Net Assets 2018: $1,335,2992018Assets 2019: $16,274,160Liabilities 2019: $14,854,009Net Assets 2019: $1,420,1512019Assets 2020: $18,660,365Liabilities 2020: $17,088,487Net Assets 2020: $1,571,8782020Assets 2021: $20,646,166Liabilities 2021: $18,977,673Net Assets 2021: $1,668,4932021Assets 2022: $20,660,144Liabilities 2022: $18,921,379Net Assets 2022: $1,738,7652022Assets 2023: $20,898,324Liabilities 2023: $18,963,345Net Assets 2023: $1,934,9792023Assets 2024: $19,764,231Liabilities 2024: $17,514,813Net Assets 2024: $2,249,4182024

Highlighted filing

2013

Assets$14,925,847
Liabilities$13,874,843
Net Assets$1,051,004
Open 2013 Filing

Operations Trend

Revenue Growth59th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $407,363Expenses 2011: $409,878Net Income 2011: -$2,5152011Expenses 2012: $526,5882012Revenue 2013: $485,245Expenses 2013: $500,955Net Income 2013: -$15,7102013Revenue 2014: $581,993Expenses 2014: $445,770Net Income 2014: $136,2232014Revenue 2015: $478,609Expenses 2015: $462,246Net Income 2015: $16,3632015Revenue 2016: $488,900Expenses 2016: $483,371Net Income 2016: $5,5292016Revenue 2017: $542,590Expenses 2017: $497,102Net Income 2017: $45,4882017Revenue 2018: $631,406Expenses 2018: $553,113Net Income 2018: $78,2932018Revenue 2019: $657,393Expenses 2019: $572,541Net Income 2019: $84,8522019Revenue 2020: $691,816Expenses 2020: $540,089Net Income 2020: $151,7272020Revenue 2021: $655,623Expenses 2021: $559,008Net Income 2021: $96,6152021Revenue 2022: $640,069Expenses 2022: $569,797Net Income 2022: $70,2722022Revenue 2023: $942,857Expenses 2023: $723,966Net Income 2023: $218,8912023Revenue 2024: $1,086,536Expenses 2024: $772,097Net Income 2024: $314,4392024

Highlighted filing

2013

Revenue$485,245
Expenses$500,955
Net Income-$15,710
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 12, 2014
Return Version
2013v3.1
Gross Receipts
$485,245
Mission and Program Overview

Mission

Cooperative provider of credit union services such as savings accounts and consumer loans

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$5,437,927$7,660,067▲ $2,222,140
Other Notes and Loans Receivable, Net$6,828,107$5,905,668▼ $922,439
Rtn Earn Endowment Incm Other Fnds$1,068,467$1,051,004▼ $17,463
Savings and Temporary Cash Investments$1,726,476$756,248▼ $970,228
Land, Buildings, and Equipment, Net$277,107$259,981▼ $17,126
Cash and Non-Interest-Bearing Accounts$88,590$95,641▲ $7,051
Prepaid Expenses and Deferred Charges$31,447$26,692▼ $4,755
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$14,614,473$14,925,847▲ $311,374
Other Assets Total$224,819$221,550▼ $3,269
Liabilities
Other Liabilities$13,472,807$13,835,723▲ $362,916
Accounts Payable and Accrued Expenses$73,199$39,120▼ $34,079
Total Liabilities$13,546,006$13,874,843▲ $328,837
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,068,467$1,051,004▼ $17,463
Total Liabilities and Net Assets / Fund Balance$14,614,473$14,925,847▲ $311,374

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$146,093$188,155$334,248
Other Land Buildings$9,146$306,587$315,733
Land$104,742-$104,742
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
David MasseyChairman
Steven WilliamsonVice Chairman
Carolyn DavisDirector
Gary BryantDirector
Paula KinseyDirector
Philip ForrestDirector
Tony LeetDirector
Von ByrdDirector
Jo McwhorterSecretary/TREAS
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$420,277
Investment Income
$64,968
Other Revenue
$0
Change in Net Assets
$-15,710
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$294,508
Salaries, Compensation, and Employee Benefits$206,447
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$108,170
Current Officers, Directors, Trustees, and Key Employees---$60,451
Office Expenses---$53,038
Interest---$50,112
Occupancy---$22,104
Information Technology---$21,088
Depreciation Depletion---$19,686
Insurance---$19,534
Pension Plan Contributions---$14,578
Fees for Services Other---$13,689
Payroll Taxes---$13,296
Other Employee Benefits---$9,952
Fees for Services Accounting---$8,832
Other Expenses---$4,000
Advertising---$3,560
Fees for Services Legal---$1,595
Total Functional Expenses$0$0$0$500,955
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Share Certificates$13,835,723
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“All members are stockholders”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The members elect the board of directors”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“If the members do not like the decisions of the board, they can elect new board members”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The board will review the 990 before it is filed”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“All directors are made aware of the policy”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board reviews annually.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“The board reviews annually”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The governing documents are available upon request. The financial statements are posted in the lobby”

Filing and Contact Details

Filer

EIN
75-0778427
Phone
3256924089

Signing Officer

Name
Cathy Higgins
Title
CEO
Signed
2014-05-12
Discuss with paid preparer
Yes

Organization Details

Formed
1930
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
5
Volunteers
9

Preparer

Preparer
Glenn Fillingim CPA
Phone
4322640008
Raw XML Appendix386 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/PriorPeriodAdjustmentsAmt0-1753
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS AND FEE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0420277
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0420277
IRS990/ProgSrvcAccomActy2Grp/Desc0SHARE CERTIFICATES
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSUMER LOANS - THE CREDIT UNION PROVIDES LOANS FOR AUTOS, MOTORCYCLES, SHARE SECURED AND UNSECURED LOANS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt054701
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0340270
IRS990/PYProgramServiceRevenueAmt0425149
IRS990/PYRevenuesLessExpensesAmt0-46738
IRS990/PYSalariesCompEmpBnftPaidAmt0186318
IRS990/PYTotalExpensesAmt0526588
IRS990/PYTotalRevenueAmt0479850
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-15710
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01068467
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01051004
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01726476
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0756248
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0146093
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0188155
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0334248
IRS990ScheduleD/LandGrp/BookValueAmt0104742
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0104742
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt09146
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0306587
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0315733
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013835723
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND SHARE CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0259981
IRS990ScheduleD/TotalBookValueSecuritiesAmt07660067
IRS990ScheduleD/TotalLiabilityAmt013835723
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL MEMBERS ARE STOCKHOLDERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2IF THE MEMBERS DO NOT LIKE THE DECISIONS OF THE BOARD, THEY CAN ELECT NEW BOARD MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD WILL REVIEW THE 990 BEFORE IT IS FILED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DIRECTORS ARE MADE AWARE OF THE POLICY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD REVIEWS ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. THE FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt014614473
IRS990/TotalAssetsEOYAmt014925847
IRS990/TotalAssetsGrp/BOYAmt014614473
IRS990/TotalAssetsGrp/EOYAmt014925847
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0500955
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013546006
IRS990/TotalLiabilitiesEOYAmt013874843
IRS990/TotalLiabilitiesGrp/BOYAmt013546006
IRS990/TotalLiabilitiesGrp/EOYAmt013874843
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01068467
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01051004
IRS990/TotalProgramServiceRevenueAmt0420277
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0485245
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0485245
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt014614473
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt014925847
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt00
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CATHY HIGGINS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine10FIRST PRIORITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRS
ReturnHeader/Filer/EIN0750778427
ReturnHeader/Filer/PhoneNum03256924089
ReturnHeader/Filer/USAddress/AddressLine103165 S 27TH STREET
ReturnHeader/Filer/USAddress/City0ABILENE
ReturnHeader/Filer/USAddress/State0TX
ReturnHeader/Filer/USAddress/ZIPCode079605
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10GREEN FILLINGIM PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101001 SCURRY ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0BIG SPRING
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0TX
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0797202935
ReturnHeader/PreparerPersonGrp/PhoneNum04322640008
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Glenn Fillingim CPA
ReturnHeader/ReturnTs02014-05-12T09:20:01-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,925,847
Liabilities
$13,874,843
Net assets
$1,051,004
Revenue
$485,245
Expenses
$500,955
Net income
-$15,710
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.8$17.5$2.25$1.09$0.77$0.31
2023Summary only. Only limited summary data is available for this year.$20.9$19.0$1.93$0.94$0.72$0.22
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.7$18.9$1.74$0.64$0.57$0.07
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.6$19.0$1.67$0.66$0.56$0.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.7$17.1$1.57$0.69$0.54$0.15
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.3$14.9$1.42$0.66$0.57$0.08
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.8$14.5$1.34$0.63$0.55$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.2$13.9$1.26$0.54$0.50$0.05
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.2$13.0$1.21$0.49$0.48$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.0$13.8$1.21$0.48$0.46$0.02
2014Detailed filing. Detailed filing data is available for this year.$15.5$14.3$1.19$0.58$0.45$0.14
2013Detailed filing. Detailed filing data is available for this year.$14.9$13.9$1.05$0.49$0.50$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.6$13.5$1.07$0.53
2011Summary only. Only limited summary data is available for this year.$9.92$0.03$9.88$0.41$0.41$0.00