Civic Intelligence

First Credit Union

990 • Fiscal year 2012 • EIN 86-0100904

Jan 01, 2012 to Dec 31, 2012 • Filed on Oct 30, 2013

Organization ProfileWWW.FIRSTCU.ORG

View Organization Page

25 South Arizona Place Suite 11185225
Siviq Scores

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

Liabilities / Assets

99th percentile

0.96x

Higher debt load relative to assets than 99% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

8th percentile

0.3%

Faster asset growth than 8% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets99th percentile

Assets

Up

$398,771,034

Up $1,328,218 (+0.3%) from 2011

Net Assets

Down

$16,603,958

Down $366,325,611 (-96%) from 2011

Liabilities

Up

$382,167,076

Up $367,653,829 (+2533%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$17,399,913

Down $2,773,650 (-14%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth8th percentile

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

$800M$600M$400M$200M$0Assets 2010: $410,976,924Liabilities 2010: $13,140,583Net Assets 2010: $397,836,3412010Assets 2011: $397,442,816Liabilities 2011: $14,513,247Net Assets 2011: $382,929,5692011Assets 2012: $398,771,034Liabilities 2012: $382,167,076Net Assets 2012: $16,603,9582012Assets 2013: $402,532,097Liabilities 2013: $384,893,483Net Assets 2013: $17,638,6142013Assets 2014: $410,037,025Liabilities 2014: $387,801,166Net Assets 2014: $22,235,8592014Assets 2015: $427,865,643Liabilities 2015: $404,786,964Net Assets 2015: $23,078,6792015Assets 2016: $449,345,264Liabilities 2016: $426,651,665Net Assets 2016: $22,693,5992016Assets 2017: $459,183,370Liabilities 2017: $434,815,551Net Assets 2017: $24,367,8192017Assets 2018: $460,320,720Liabilities 2018: $433,888,282Net Assets 2018: $26,432,4382018Assets 2019: $491,790,423Liabilities 2019: $456,551,279Net Assets 2019: $35,239,1442019Assets 2020: $590,539,749Liabilities 2020: $541,997,003Net Assets 2020: $48,542,7462020Assets 2021: $666,315,890Liabilities 2021: $613,513,689Net Assets 2021: $52,802,2012021Assets 2022: $711,017,037Liabilities 2022: $669,443,228Net Assets 2022: $41,573,8092022Assets 2023: $703,838,970Liabilities 2023: $658,111,321Net Assets 2023: $45,727,6492023Assets 2024: $735,111,582Liabilities 2024: $679,292,182Net Assets 2024: $55,819,4002024

Highlighted filing

2012

Assets$398,771,034
Liabilities$382,167,076
Net Assets$16,603,958
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$60M$40M$20M$0-$20MRevenue 2010: $22,495,916Expenses 2010: $29,903,536Net Income 2010: -$7,407,6202010Expenses 2011: $20,173,5632011Expenses 2012: $17,399,9132012Revenue 2013: $18,388,732Expenses 2013: $15,995,992Net Income 2013: $2,392,7402013Revenue 2014: $21,408,713Expenses 2014: $19,244,213Net Income 2014: $2,164,5002014Revenue 2015: $22,121,180Expenses 2015: $20,599,742Net Income 2015: $1,521,4382015Revenue 2016: $24,314,115Expenses 2016: $23,895,833Net Income 2016: $418,2822016Revenue 2017: $25,548,059Expenses 2017: $24,523,607Net Income 2017: $1,024,4522017Revenue 2018: $25,712,379Expenses 2018: $23,364,287Net Income 2018: $2,348,0922018Revenue 2019: $31,258,865Expenses 2019: $22,821,515Net Income 2019: $8,437,3502019Revenue 2020: $24,321,171Expenses 2020: $23,086,669Net Income 2020: $1,234,5022020Revenue 2021: $24,353,409Expenses 2021: $20,366,012Net Income 2021: $3,987,3972021Revenue 2022: $30,610,743Expenses 2022: $25,835,411Net Income 2022: $4,775,3322022Revenue 2023: $39,282,064Expenses 2023: $35,297,564Net Income 2023: $3,984,5002023Revenue 2024: $50,404,499Expenses 2024: $42,745,872Net Income 2024: $7,658,6272024

Highlighted filing

2012

Revenue-
Expenses$17,399,913
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Oct 30, 2013
Return Version
2012v2.1
Gross Receipts
$21,033,944
Mission and Program Overview

Mission

Non-profit cooperative that provides banking and other financial services to its members.

Filing and Contact Details

Filer

EIN
86-0100904
Raw XML AppendixShowing 400 of 482 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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IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0THE CREDIT UNION MAINTAINS A 457(F) DEFERRED COMPENSATION PLAN. THE CREDIT UNION MADE CONTRIBUTIONS ON BEHALF OF JAY CURTIS, LORI GALLEGOS AND DOUG ALLDREDGE IN THE AMOUNTS OF $46,403, $39,230 AND $21,925, RESPECTIVELY. THERE WERE NO PAYOUTS DURING 2012. EACH PARTICIPANT WILL RECEIVE CASH PAYOUTS ON TWO DIFFERENT VESTING DATES IN THE FUTURE.
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IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg212750
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg09600
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg19100
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IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/Title0PRESIDENT/ CEO
IRS990ScheduleJ/Form990ScheduleJPartII/Title1EVP/COO
IRS990ScheduleJ/Form990ScheduleJPartII/Title2CFO
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0360919
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1216235
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg2171097
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs20
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan01
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS A COOPERATIVE. AS SUCH, THE MEMBERS ARE THE OWNERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE GOVERNING BODY (BOARD OF DIRECTORS)IS ELECTED BY THE MEMBERS, WHO CAN CAST ONE VOTE EACH.
IRS990ScheduleO/GeneralExplanation/Explanation2THE BOARD OF DIRECTORS HAVE NOT BEEN REVIEWING THE FORM 990. THE FORM 990 IS REVIEWED BY THE CFO AND CEO.
IRS990ScheduleO/GeneralExplanation/Explanation3FORMAL REVIEW IS COMPLETED BY ALL BOARD MEMBERS ALONG WITH SELF EVALUATION BY CEO - REVIEW OF INDUSTRY SPECIFIC SALARY SURVEY INFORMATION IS PERFORMED BY BOARD EXECUTIVE COMMITTEE WITH COMPENSATION DECISION DOCUMENTED FOR CEO FILE AND PRESENTED TO FULL BOARD. FORMAL REVIEW IS COMPLETED BY CEO - REVIEW OF INDUSTRY SPECIFIC SALARY SURVEY INFORMATION IS PERFORMED BY CEO WITH DECISION DOCUMENTED IN EMPLOYEE FILE AND PAYROLL SYSTEM.
IRS990ScheduleO/GeneralExplanation/Explanation4THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED IN EACH BRANCH.
IRS990ScheduleO/GeneralExplanation/Explanation5FORMS ARE REVIEWED BY THE CFO AND THE CEO.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION C, LINE 19
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$398,771,034
Liabilities
$382,167,076
Net assets
$16,603,958
Revenue
-
Expenses
$17,399,913
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$735$679$55.8$50.4$42.7$7.66
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$704$658$45.7$39.3$35.3$3.98
2022Detailed filing. Detailed filing data is available for this year.$711$669$41.6$30.6$25.8$4.78
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$666$614$52.8$24.4$20.4$3.99
2020Detailed filing. Detailed filing data is available for this year.$591$542$48.5$24.3$23.1$1.23
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$492$457$35.2$31.3$22.8$8.44
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$460$434$26.4$25.7$23.4$2.35
2017Detailed filing. Detailed filing data is available for this year.$459$435$24.4$25.5$24.5$1.02
2016Detailed filing. Detailed filing data is available for this year.$449$427$22.7$24.3$23.9$0.42
2015Detailed filing. Detailed filing data is available for this year.$428$405$23.1$22.1$20.6$1.52
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$410$388$22.2$21.4$19.2$2.16
2013Detailed filing. Detailed filing data is available for this year.$403$385$17.6$18.4$16.0$2.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$399$382$16.6$17.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$397$14.5$383$20.2
2010Summary only. Only limited summary data is available for this year.$411$13.1$398$22.5$29.9$7.41