Civic Intelligence

First Community Credit Union

990 • Fiscal year 2013 • EIN 93-0468003

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

Organization ProfileWWW.MYFIRSTCCU.ORG

View Organization Page

200 N Adams Street97423

(541) 396-2145

Siviq Scores

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

Liabilities / Assets

58th percentile

0.90x

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

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

61st percentile

19.10x

Higher debt load relative to revenue than 61% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

61st percentile

17%

Higher net margin than 61% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

74th percentile

$469,922

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

35th percentile

2.8%

Faster asset growth than 35% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$772,760,355

Up $20,745,827 (+2.8%) from 2012

Net Assets

Up

$75,825,879

Up $6,269,515 (+9.0%) from 2012

Liabilities

Up

$696,934,476

Up $14,476,312 (+2.1%) from 2012

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin61st percentile

Revenue

$36,481,832

No earlier filing loaded for comparison.

Expenses

Down

$30,212,317

Down $2,831,290 (-8.6%) from 2012

Net Income

$6,269,515

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$2.0B$1.5B$1.0B$500M$0Assets 2010: $404,148,978Liabilities 2010: $368,313,768Net Assets 2010: $35,835,2102010Assets 2011: $709,267,683Liabilities 2011: $647,488,375Net Assets 2011: $61,779,3082011Assets 2012: $752,014,528Liabilities 2012: $682,458,164Net Assets 2012: $69,556,3642012Assets 2013: $772,760,355Liabilities 2013: $696,934,476Net Assets 2013: $75,825,8792013Assets 2014: $821,284,689Liabilities 2014: $737,507,592Net Assets 2014: $83,777,0972014Assets 2015: $897,823,591Liabilities 2015: $807,477,503Net Assets 2015: $90,346,0882015Assets 2016: $969,995,014Liabilities 2016: $873,146,375Net Assets 2016: $96,848,6392016Assets 2017: $1,044,692,282Liabilities 2017: $939,516,051Net Assets 2017: $105,176,2312017Assets 2018: $1,105,525,152Liabilities 2018: $987,876,897Net Assets 2018: $117,648,2552018Assets 2019: $1,168,074,827Liabilities 2019: $1,037,315,063Net Assets 2019: $130,759,7642019Assets 2020: $1,509,336,472Liabilities 2020: $1,365,905,679Net Assets 2020: $143,430,7932020Assets 2021: $1,761,836,849Liabilities 2021: $1,608,749,854Net Assets 2021: $153,086,9952021Assets 2022: $1,796,419,066Liabilities 2022: $1,629,402,121Net Assets 2022: $167,016,9452022Assets 2023: $1,676,601,574Liabilities 2023: $1,492,619,239Net Assets 2023: $183,982,3352023Assets 2024: $1,676,813,394Liabilities 2024: $1,477,731,079Net Assets 2024: $199,082,3152024

Highlighted filing

2013

Assets$772,760,355
Liabilities$696,934,476
Net Assets$75,825,879
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $23,003,8262010Expenses 2011: $25,333,9712011Expenses 2012: $33,043,6072012Revenue 2013: $36,481,832Expenses 2013: $30,212,317Net Income 2013: $6,269,5152013Revenue 2014: $33,812,018Expenses 2014: $25,862,967Net Income 2014: $7,949,0512014Revenue 2015: $33,522,341Expenses 2015: $26,893,459Net Income 2015: $6,628,8822015Revenue 2016: $35,490,647Expenses 2016: $29,045,820Net Income 2016: $6,444,8272016Revenue 2017: $38,281,790Expenses 2017: $29,954,197Net Income 2017: $8,327,5932017Revenue 2018: $44,150,516Expenses 2018: $31,717,252Net Income 2018: $12,433,2642018Revenue 2019: $48,103,593Expenses 2019: $35,028,123Net Income 2019: $13,075,4702019Revenue 2020: $52,235,173Expenses 2020: $39,596,799Net Income 2020: $12,638,3742020Revenue 2021: $50,673,220Expenses 2021: $40,267,923Net Income 2021: $10,405,2972021Revenue 2022: $57,546,079Expenses 2022: $40,033,603Net Income 2022: $17,512,4762022Revenue 2023: $62,808,074Expenses 2023: $47,436,500Net Income 2023: $15,371,5742023Revenue 2024: $71,084,286Expenses 2024: $56,759,205Net Income 2024: $14,325,0812024

Highlighted filing

2013

Revenue$36,481,832
Expenses$30,212,317
Net Income$6,269,515
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 12, 2014
Return Version
2013v3.1
Gross Receipts
$36,481,832
Mission and Program Overview

Mission

To build lasting financial relationships through personalized banking.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$380,843,820$395,723,955▲ $14,880,135
Savings and Temporary Cash Investments$193,555,921$204,917,430▲ $11,361,509
Investments in Publicly Traded Securities$99,783,944$97,744,841▼ $2,039,103
Rtn Earn Endowment Incm Other Fnds$69,556,364$75,825,879▲ $6,269,515
Land, Buildings, and Equipment, Net$27,565,749$27,696,981▲ $131,232
Intangible Assets$10,631,226$10,351,290▼ $279,936
Cash and Non-Interest-Bearing Accounts$8,299,117$7,852,763▼ $446,354
Investments Other Securities$1,909,110$1,894,505▼ $14,605
Accounts Receivable$48,327$1,058,837▲ $1,010,510
Prepaid Expenses and Deferred Charges$708,138$652,948▼ $55,190
Total Assets$752,014,528$772,760,355▲ $20,745,827
Other Assets Total$28,669,176$24,866,805▼ $3,802,371
Liabilities
Other Liabilities$677,130,915$691,547,557▲ $14,416,642
Accounts Payable and Accrued Expenses$5,327,249$5,386,919▲ $59,670
Total Liabilities$682,458,164$696,934,476▲ $14,476,312
Net Assets / Fund Balance
Total Net Assets Fund Balance$69,556,364$75,825,879▲ $6,269,515
Total Liabilities and Net Assets / Fund Balance$752,014,528$772,760,355▲ $20,745,827

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$18,194,396$2,349,161$20,543,557
Land$6,492,735-$6,492,735
Equipment$1,702,178$3,271,855$4,974,033
Other Land Buildings$1,307,672$2,444,830$3,752,502
Compensation and Service Providers
Top Officer Pay74th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Margaret RiceHuman Resources DirectorFT$454,807$15,115$469,922
Margaret Rice Human Resources Dire--$40,493$429,429$469,922
David ElmerPresidentceotreasurerFT$403,537$27,689$431,226
David Elmer Presidentceo--$318,750$112,476$431,226
John NicolausVice President - Investment ServicesFT$351,010$27,689$378,699
John Nicolaus Vp - Investment Serv--$351,010$207,809$378,699
Renee NelsonExecutive Vice PresidentcfoFT$298,099$65,189$363,288
Renee Nelson--$237,917$125,371$363,288
Denise HillExecutive Vice PresidentcooFT$223,389$15,115$238,504
Denise Hill Executive Vice Preside--$189,135$49,369$238,504
Charla ZeltvayCredit Union Operations AdvisorFT$169,501$3,183$172,684
Charla Zeltvay Credit Union Operat--$135,000$25,627$172,684
Susan HarringtonRegional Vice PresidentFT$150,619$20,287$170,906
Susan Harrington Regional Vice Pre--$125,000$20,809$170,906
Denise DewaldRegional Vice PresidentFT$134,938$26,967$161,905
Denise Dewald Regional Vice Presid---$18,939$161,905
Kathryn JacksonVice President - Real Estate LendingFT$129,415$17,815$147,230

Board Members and Trustees

NameTitle
Frank SproulBoard Member (chairman)
Mary Ellen RobbinsBoard Member (vice Chairperson)
Brian MenefeeBoard Member
Dennis EricksonBoard Member
Gerald PrickettBoard Member
Hall ThomasBoard Member
Harvey DenneyBoard Member
Howard MccuskerBoard Member
June ChadbourneBoard Member
Linda Furman GrileBoard Member
Robin McalpinBoard Member
Shaun HobackBoard Member
Steve MohrlandBoard Member
Elizabeth DavisBoard Member (secretary)
Dan GibsonBoard Member (treasurer)

Highest Paid Contractors

ContractorServicesLocationCompensation
Adroit Construction CoConstruction-$1,175,634
Jack Henry AssociatesService Products-$425,011
CenturylinkPhonedata Services-$367,423
DieboldSupport Services-$357,449
Hge INCArchitecture Services-$251,409
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$32,545,995
Investment Income
$2,411,019
Other Revenue
$1,524,818
Change in Net Assets
$6,269,515
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$16,110,064
Other Expenses$14,093,186
Grants and Similar Amounts Paid$9,067
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,800,700
Payroll Taxes---$2,142,061
Occupancy---$1,501,245
Interest---$1,434,685
Other Employee Benefits---$1,278,443
Information Technology---$1,176,613
Current Officers, Directors, Trustees, and Key Employees---$1,035,365
Office Expenses---$1,003,582
Depreciation Depletion---$991,452
Pension Plan Contributions---$853,495
Advertising---$464,204
Conferences and Meetings---$152,017
Insurance---$134,065
Fees for Services Legal---$119,305
All Other Expenses---$97,203
Travel---$92,273
Fees for Services Accounting---$77,500
Other Expenses---$76,828
Fees for Services Other---$70,071
Grants to Domestic Orgs---$9,067
Total Functional Expenses$0$0$0$30,212,317
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$691,547,557
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
No
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
Filing and Contact Details

Filer

EIN
93-0468003

Signing Officer

Name
David Elmer Presidentceo
Title
Executive Vice Presidentcfo
Phone
5413962145
Signed
2014-11-12

Organization Details

Principal Officer
David Elmer Presidentceo
Formed
1957
Legal Domicile
Or
Voting Board Members
15
Independent Board Members
15
Employees
309
Volunteers
18
Supplemental Narrative

Additional Explanations

See Details

“Part vi section a 6 7a & 7b each person who has purchased a 1 share and opened an account with the orgnization is a member. Each member of the organization can vote for the members of the board of directors as well as other issues that are brought before the membership to be voted on. Part vi section b 11b the form 990 is prepared by the vp of accounting. It is reviewed by the chief financial officer and is then presented to the executive committee for review. Part vi section b 12c the board and officers regularly review and consistently enforce the policies of the organization. The policies are reviewed annually and as needed on a case by case basis. The policies are posted on the organizations intranet for employee reference. Part vi section b 15a & 15b annual reviews are performed by the board for the ceo at the beginning of each year using salary survey data. The performance for the last year is analyzed and pay increases are administered as deemed necessary. The ceo does the same annual review process with the other officers of the organization and also administers any board approved salary increases as warranted. Part vi section c 19 governing documents of the organization are available upon request as well as the monthly financial statements. The financial statements are also posted in the branches for review by the public.”

Raw XML AppendixShowing 400 of 560 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/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER (VICE CHAIRPERSON)
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IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER (TREASURER)
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IRS990/Form990PartVIISectionAGrp/TitleTxt16EXECUTIVE VICE PRESIDENTCFO
IRS990/Form990PartVIISectionAGrp/TitleTxt17EXECUTIVE VICE PRESIDENTCOO
IRS990/Form990PartVIISectionAGrp/TitleTxt18HUMAN RESOURCES DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19VICE PRESIDENT - INVESTMENT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt20CREDIT UNION OPERATIONS ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21REGIONAL VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt22REGIONAL VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23VICE PRESIDENT - REAL ESTATE LENDING
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$772,760,355
Liabilities
$696,934,476
Net assets
$75,825,879
Revenue
$36,481,832
Expenses
$30,212,317
Net income
$6,269,515
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,677$1,478$199$71.1$56.8$14.3
2023Summary only. Only limited summary data is available for this year.$1,677$1,493$184$62.8$47.4$15.4
2022Summary only. Only limited summary data is available for this year.$1,796$1,629$167$57.5$40.0$17.5
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,762$1,609$153$50.7$40.3$10.4
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,509$1,366$143$52.2$39.6$12.6
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,168$1,037$131$48.1$35.0$13.1
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,106$988$118$44.2$31.7$12.4
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,045$940$105$38.3$30.0$8.33
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$970$873$96.8$35.5$29.0$6.44
2015Detailed filing. Detailed filing data is available for this year.$898$807$90.3$33.5$26.9$6.63
2014Detailed filing. Detailed filing data is available for this year.$821$738$83.8$33.8$25.9$7.95
2013Detailed filing. Detailed filing data is available for this year.$773$697$75.8$36.5$30.2$6.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$752$682$69.6$33.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$709$647$61.8$25.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$404$368$35.8$23.0
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $250M-$1B nonprofits