Civic Intelligence

Foothills Credit Union

990 • Fiscal year 2019 • EIN 84-0384061

Jan 01, 2019 to Dec 31, 2019 • Filed on Sep 28, 2020

Organization ProfileFOOTHILLS-CU.COM

View Organization Page

7990 W Alameda AveLakewood, CO 80226

(720) 962-8200

Siviq Scores

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

Liabilities / Assets

58th percentile

0.89x

Higher debt load relative to assets than 58% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

74th percentile

18.83x

Higher debt load relative to revenue than 74% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

70th percentile

18%

Higher net margin than 70% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

54th percentile

$220,244

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

61st percentile

5.2%

Faster asset growth than 61% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

69th percentile

11%

Faster revenue growth than 69% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$106,740,814

Up $5,278,244 (+5.2%) from 2018

Net Assets

Up

$11,505,587

Up $906,775 (+8.6%) from 2018

Liabilities

Up

$95,235,227

Up $4,371,469 (+4.8%) from 2018

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin70th percentile

Revenue

Up

$5,057,765

Up $511,111 (+11%) from 2018

Expenses

Up

$4,150,990

Up $490,216 (+13%) from 2018

Net Income

Up

$906,775

Up $20,895 (+2.4%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

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

$200M$150M$100M$50M$0Assets 2010: $57,287,670Liabilities 2010: $52,260,070Net Assets 2010: $5,027,6002010Assets 2011: $56,310,654Liabilities 2011: $50,882,996Net Assets 2011: $5,427,6582011Assets 2012: $59,224,222Liabilities 2012: $53,244,751Net Assets 2012: $5,979,4712012Assets 2013: $65,108,859Liabilities 2013: $58,598,534Net Assets 2013: $6,510,3252013Assets 2014: $84,910,438Liabilities 2014: $76,450,487Net Assets 2014: $8,459,9512014Assets 2015: $88,543,398Liabilities 2015: $80,038,828Net Assets 2015: $8,504,5702015Assets 2016: $93,036,838Liabilities 2016: $84,325,179Net Assets 2016: $8,711,6592016Assets 2017: $100,972,702Liabilities 2017: $91,261,437Net Assets 2017: $9,711,2652017Assets 2018: $101,462,570Liabilities 2018: $90,863,758Net Assets 2018: $10,598,8122018Assets 2019: $106,740,814Liabilities 2019: $95,235,227Net Assets 2019: $11,505,5872019Assets 2020: $127,282,077Liabilities 2020: $115,196,147Net Assets 2020: $12,085,9302020Assets 2021: $142,969,673Liabilities 2021: $130,624,756Net Assets 2021: $12,344,9172021Assets 2022: $152,205,277Liabilities 2022: $140,166,737Net Assets 2022: $12,038,5402022Assets 2023: $153,183,429Liabilities 2023: $141,300,661Net Assets 2023: $11,882,7682023Assets 2024: $161,291,668Liabilities 2024: $149,148,811Net Assets 2024: $12,142,8572024

Highlighted filing

2019

Assets$106,740,814
Liabilities$95,235,227
Net Assets$11,505,587
Open 2019 Filing

Operations Trend

Revenue Growth69th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $2,857,1632010Expenses 2011: $2,455,0992011Expenses 2012: $2,281,1562012Revenue 2013: $2,831,549Expenses 2013: $2,300,695Net Income 2013: $530,8542013Revenue 2014: $3,229,867Expenses 2014: $2,610,241Net Income 2014: $619,6262014Revenue 2015: $3,729,546Expenses 2015: $3,684,927Net Income 2015: $44,6192015Revenue 2016: $3,988,840Expenses 2016: $3,781,751Net Income 2016: $207,0892016Revenue 2017: $4,247,449Expenses 2017: $3,246,176Net Income 2017: $1,001,2732017Revenue 2018: $4,546,654Expenses 2018: $3,660,774Net Income 2018: $885,8802018Revenue 2019: $5,057,765Expenses 2019: $4,150,990Net Income 2019: $906,7752019Revenue 2020: $5,032,529Expenses 2020: $4,645,800Net Income 2020: $386,7292020Revenue 2021: $4,903,875Expenses 2021: $4,797,075Net Income 2021: $106,8002021Revenue 2022: $5,409,727Expenses 2022: $6,300,313Net Income 2022: -$890,5862022Revenue 2023: $7,437,953Expenses 2023: $7,584,876Net Income 2023: -$146,9232023Revenue 2024: $9,246,575Expenses 2024: $8,995,680Net Income 2024: $250,8952024

Highlighted filing

2019

Revenue$5,057,765
Expenses$4,150,990
Net Income$906,775
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Sep 28, 2020
Return Version
2019v5.1
Gross Receipts
$5,139,477
Mission and Program Overview

Mission

Educating individuals, empowering families, and enriching communities with exciting financial solutions. To promote thrift and provide lower cost credit to the members of the credit union.

Educating individuals, empowering families and enriching communities with exciting financial solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$80,181,916$87,233,415▲ $7,051,499
Rtn Earn Endowment Incm Other Fnds$9,155,929$10,062,704▲ $906,775
Investments Other Securities$10,764,072$9,110,645▼ $1,653,427
Land, Buildings, and Equipment, Net$2,453,517$4,165,423▲ $1,711,906
Savings and Temporary Cash Investments$4,452,291$2,554,465▼ $1,897,826
Receivables From Officers Etc$0$1,683,967▲ $1,683,967
Pd in Cap Srpls Land Bldg Eqp Fund$1,442,883$1,442,883→ $0
Cash and Non-Interest-Bearing Accounts$541,647$358,394▼ $183,253
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Prepaid Expenses and Deferred Charges$0$0→ $0
Total Assets$101,462,570$106,740,814▲ $5,278,244
Other Assets Total$3,069,127$1,634,505▼ $1,434,622
Liabilities
Other Liabilities$90,165,322$93,903,095▲ $3,737,773
Accounts Payable and Accrued Expenses$698,436$832,132▲ $133,696
Unsecured Notes Loans Payable$0$500,000▲ $500,000
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$90,863,758$95,235,227▲ $4,371,469
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,598,812$11,505,587▲ $906,775
Total Liabilities and Net Assets / Fund Balance$101,462,570$106,740,814▲ $5,278,244

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,219,382$910,717$4,130,099
Land$802,900-$802,900
Equipment$143,141$628,471$771,612
Other Securities$331,384--
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott McneilPresidentFT$178,531$41,713$220,244
Tim CattauChief Lending OfficerFT$109,114$5,020$114,134
Mallory FischbachChief Financial OfficerFT$92,936$15,538$108,474
Matthew LoganChief Marketing OfficerFT$90,385$12,974$103,359

Board Members and Trustees

NameTitle
Phil TenneyChair
Jon GroerichVice-chair
Amira WattersDirector
Don LombardiDirector
Jeff StreeterDirector
Pam BalesDirector
Dan MccaskyTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Financial Construction ServicesConstruction6021 E 50th Ave, Commerce City, CO 80022$863,088
Punch ArchitectureConstruction4425 Wagon Trail Ave, Las Vegas, NV 89118$401,201
CMC-Data ProcessorData Processing6565 N MACARTHUR BLVD, Irving, TX 75039$171,036
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,674,683
Investment Income
$383,082
Other Revenue
$0
Change in Net Assets
$906,775
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,561,731
Salaries, Compensation, and Employee Benefits$1,587,599
Grants and Similar Amounts Paid$1,660
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$791,495
Current Officers, Directors, Trustees, and Key Employees---$546,211
Office Expenses---$384,581
Other Expenses---$217,933
Occupancy---$173,401
Advertising---$161,518
Fees for Services Other---$160,621
Other Employee Benefits---$135,436
Conferences and Meetings---$121,974
Depreciation Depletion---$102,185
Payroll Taxes---$95,122
Fees for Services Accounting---$54,650
Information Technology---$45,854
Insurance---$35,729
Interest---$25,525
Pension Plan Contributions---$19,335
Fees for Services Legal---$5,167
Grants to Domestic Orgs---$1,660
Fees for Service Investment Mgmnt Fees---$300
Total Functional Expenses$0$0$0$4,150,990
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$0$1,683,967▲ $1,683,967
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share-Deposit Accts$93,903,095
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
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, Section A, Line 6

“The credit union is a member owner financial cooperative that is operated for the benefit of people who live or work in jefferson and larimer county and various select employee groups and their families.”

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

“The members of the credit union annually elect the board of directors to serve for mutiple-year terms by mailing in ballots or voting at an annual meeting.”

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

“Various decisions made by the board of directors for a credit union are subject to approval by the members of the credit union as set forth in ncua rules and regulations and applicable state regulations.”

Form 990, Part VI, Section B, Line 11B

“The completed form 990 is reviewed by the president/ceo and chief financial officer. The board of directors does not review the form 990.”

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

“Annually, staff and volunteers are required to read and sign a document verifying they have read the conflict of interest policy. Any issues are discussed with the key officers and those charged with governance for resolution.”

Form 990, Part VI, Section B, Line 15A

“The president/ceo has an annual review of performance and compensation conducted using the cuna staff salary report. The compensation review and any changes are approved by the independent board members. The process and approval is documented in the executive session minutes and the review is kept in the president/ceo's personel file.”

Form 990, Part VI, Section B, Line 15B

“All employees undergo an annual review. The ceo/president conducts all upper management reviews using the cuna staff salary report. The compensation review process and approval is documented in each employee's personnel file.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available to members upon request. Any policy request by a member must be approved by the board.”

Filing and Contact Details

Filer

Filer Name
Foothills Credit Union
EIN
84-0384061
In Care Of
% FOOTHILLS CREDIT UNION
Phone
7209628200
Address
7990 W ALAMEDA AVE, LAKEWOOD, CO 80226

Signing Officer

Name
Mallory Fischbach
Title
Chief Financial Offi
Phone
7209628200
Signed
2020-09-28
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mallory Fischbach
Formed
1987
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
7
Employees
30
Volunteers
12

Preparer

Firm
Bkd Llp
Address
111 South Tejon Suite 800, Colorado Springs, CO 80903-9848
Preparer
Adam R Smith CPA
Phone
7194714290
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Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$106,740,814
Liabilities
$95,235,227
Net assets
$11,505,587
Revenue
$5,057,765
Expenses
$4,150,990
Net income
$906,775
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$161$149$12.1$9.25$9.00$0.25
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$153$141$11.9$7.44$7.58$0.15
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$152$140$12.0$5.41$6.30$0.89
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$143$131$12.3$4.90$4.80$0.11
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$127$115$12.1$5.03$4.65$0.39
2019Detailed filing. Detailed filing data is available for this year.$107$95.2$11.5$5.06$4.15$0.91
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$101$90.9$10.6$4.55$3.66$0.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$101$91.3$9.71$4.25$3.25$1.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.0$84.3$8.71$3.99$3.78$0.21
2015Detailed filing. Detailed filing data is available for this year.$88.5$80.0$8.50$3.73$3.68$0.04
2014Detailed filing. Detailed filing data is available for this year.$84.9$76.5$8.46$3.23$2.61$0.62
2013Detailed filing. Detailed filing data is available for this year.$65.1$58.6$6.51$2.83$2.30$0.53
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.2$53.2$5.98$2.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.3$50.9$5.43$2.46
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.3$52.3$5.03$2.86
Peer Organizations

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