Civic Intelligence

Foothills Credit Union

990 • Fiscal year 2020 • EIN 84-0384061

Jan 01, 2020 to Dec 31, 2020 • Filed on Sep 23, 2021

Organization ProfileFOOTHILLS-CU.COM

View Organization Page

7990 W Alameda AvenueLakewood, CO 80226

(720) 962-8200

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.91x

Higher debt load relative to assets than 63% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Liabilities / Revenue

73rd percentile

22.89x

Higher debt load relative to revenue than 73% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Net Margin

38th percentile

7.7%

Higher net margin than 38% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Top Officer Pay

62nd percentile

$235,635

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2020

Asset Growth

68th percentile

19%

Faster asset growth than 68% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Revenue Growth

58th percentile

-0.5%

Faster revenue growth than 58% of similar nonprofits.

2020 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$127,282,077

Up $20,541,263 (+19%) from 2019

Net Assets

Up

$12,085,930

Up $580,343 (+5.0%) from 2019

Liabilities

Up

$115,196,147

Up $19,960,920 (+21%) from 2019

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin38th percentile

Revenue

Down

$5,032,529

Down $25,236 (-0.5%) from 2019

Expenses

Up

$4,645,800

Up $494,810 (+12%) from 2019

Net Income

Down

$386,729

Down $520,046 (-57%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth68th 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

2020

Assets$127,282,077
Liabilities$115,196,147
Net Assets$12,085,930
Open 2020 Filing

Operations Trend

Revenue Growth58th 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

2020

Revenue$5,032,529
Expenses$4,645,800
Net Income$386,729
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Sep 23, 2021
Return Version
2020v4.1
Gross Receipts
$5,143,565
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$87,233,415$90,998,107▲ $3,764,692
Investments Other Securities$9,110,645$13,083,928▲ $3,973,283
Rtn Earn Endowment Incm Other Fnds$10,062,704$10,643,047▲ $580,343
Land, Buildings, and Equipment, Net$4,165,423$9,954,751▲ $5,789,328
Savings and Temporary Cash Investments$2,554,465$9,362,597▲ $6,808,132
Receivables From Officers Etc$1,683,967$1,658,999▼ $24,968
Pd in Cap Srpls Land Bldg Eqp Fund$1,442,883$1,442,883→ $0
Cash and Non-Interest-Bearing Accounts$358,394$662,272▲ $303,878
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$106,740,814$127,282,077▲ $20,541,263
Other Assets Total$1,634,505$1,561,423▼ $73,082
Liabilities
Other Liabilities$93,903,095$114,127,484▲ $20,224,389
Accounts Payable and Accrued Expenses$832,132$1,068,663▲ $236,531
Unsecured Notes Loans Payable$500,000$0▼ $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$95,235,227$115,196,147▲ $19,960,920
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,505,587$12,085,930▲ $580,343
Total Liabilities and Net Assets / Fund Balance$106,740,814$127,282,077▲ $20,541,263

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,622,482$959,700$6,582,182
Other Land Buildings$2,351,060-$2,351,060
Land$1,445,339-$1,445,339
Equipment$535,870$205,770$741,640
Other Securities$337,631--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Scott McneilPresidentFT$190,823$44,812$235,635
Tim CattauChief Lending OfficerFT$123,574$5,283$128,857
Mallory FischbachChief Financial OfficerFT$109,900$14,898$124,798
Matthew LoganChief Marketing OfficerFT$101,473$4,707$106,180

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$3,710,830
Elements WorkplaceFurniture & Av Equip2501 BLAKE ST, Denver, CO 80205$260,154
Cu Cooperative SystemsCard And Shared Bran9692 HAVEN AVE, Rancho Cucamonga, CA 91730$259,169
Punch ArchitectureArchitecture4425 Wagon Trail Ave, Las Vegas, NV 89118$258,075
Computer Marketing CorporationData Processor8520 S SANDY PKWY, Sandy, UT 84070$194,414
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,724,400
Investment Income
$308,129
Other Revenue
$0
Change in Net Assets
$386,729

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,032,529
Revenue Not Reported on Form 990
$193,614
Total Revenue per Audited Statements
$5,226,143
Total Revenue per Form 990
$5,032,529
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,852,957
Salaries, Compensation, and Employee Benefits$1,791,283
Grants and Similar Amounts Paid$1,560
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$906,737
Current Officers, Directors, Trustees, and Key Employees---$595,470
Other Expenses---$481,533
Office Expenses---$459,017
Fees for Services Other---$244,385
Advertising---$218,057
Occupancy---$217,303
Depreciation Depletion---$194,820
Other Employee Benefits---$161,817
Payroll Taxes---$108,157
Fees for Services Accounting---$47,075
Insurance---$43,003
Information Technology---$42,720
Pension Plan Contributions---$19,102
Conferences and Meetings---$16,274
Fees for Services Legal---$10,519
Interest---$3,629
Grants to Domestic Orgs---$1,560
Fees for Service Investment Mgmnt Fees---$314
Total Functional Expenses$0$0$0$4,645,800

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,645,800
Total Expenses per Audited Statements$4,645,800
Total Expenses per Form 990$4,645,800
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$1,683,967$1,658,999▼ $24,968
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$114,127,484
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 multiple-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 personnel 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 and annually for members who attend the annual meeting. 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 AVENUE, LAKEWOOD, CO 80226

Signing Officer

Name
Mallory Fischbach
Title
CFO
Phone
7209628200
Signed
2021-09-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Scott McNeil
Formed
1987
Legal Domicile
Co
Voting Board Members
7
Independent Board Members
7
Employees
31
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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IRS990/Form990PartVIISectionAGrp/TitleTxt2CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHIEF MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/PrincipalOfficerNm0Scott McNeil
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IRS990ScheduleD/OtherSecuritiesGrp/Desc0CD'S IN OTHER INSTITUTIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PAID IN CAPITAL-CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3CENTENNIAL LENDING LLC
IRS990ScheduleD/OtherSecuritiesGrp/Desc4INVESTMENTS IN CUSOS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5ANNUITY-FINANCIAL INSTITUTIONS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$127,282,077
Liabilities
$115,196,147
Net assets
$12,085,930
Revenue
$5,032,529
Expenses
$4,645,800
Net income
$386,729
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
2020Detailed filing. Detailed filing data is available for this year.$127$115$12.1$5.03$4.65$0.39
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$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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