Civic Intelligence

First Community Credit Union

990 • Fiscal year 2014 • EIN 93-0468003

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 12, 2015

Organization ProfileWWW.MYFIRSTCCU.ORG

View Organization Page

200 N AdamsCoquille, OR 97423

(541) 396-2145

Siviq Scores

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

Liabilities / Assets

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Liabilities / Revenue

79th percentile

21.81x

Higher debt load relative to revenue than 79% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Net Margin

86th percentile

24%

Higher net margin than 86% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Top Officer Pay

96th percentile

$1,333,874

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 3.9% of source-year revenue.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2014

Asset Growth

65th percentile

6.3%

Faster asset growth than 65% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Revenue Growth

6th percentile

-7.3%

Faster revenue growth than 6% of similar nonprofits.

2014 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$821,284,689

Up $48,524,334 (+6.3%) from 2013

Net Assets

Up

$83,777,097

Up $7,951,218 (+10%) from 2013

Liabilities

Up

$737,507,592

Up $40,573,116 (+5.8%) from 2013

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin86th percentile

Revenue

Down

$33,812,018

Down $2,669,814 (-7.3%) from 2013

Expenses

Down

$25,862,967

Down $4,349,350 (-14%) from 2013

Net Income

Up

$7,949,051

Up $1,679,536 (+27%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth65th 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

2014

Assets$821,284,689
Liabilities$737,507,592
Net Assets$83,777,097
Open 2014 Filing

Operations Trend

Revenue Growth6th percentile

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

2014

Revenue$33,812,018
Expenses$25,862,967
Net Income$7,949,051
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 12, 2015
Return Version
2014v5.0
Gross Receipts
$33,812,018
Mission and Program Overview

Mission

To build lasting financial relationships through personalized banking.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$395,723,955$449,179,583▲ $53,455,628
Savings and Temporary Cash Investments$204,917,430$231,903,086▲ $26,985,656
Rtn Earn Endowment Incm Other Fnds$75,825,879$83,777,097▲ $7,951,218
Investments in Publicly Traded Securities$97,744,841$70,708,826▼ $27,036,015
Land, Buildings, and Equipment, Net$27,696,981$30,504,926▲ $2,807,945
Intangible Assets$10,351,290$10,071,354▼ $279,936
Cash and Non-Interest-Bearing Accounts$7,852,763$7,655,848▼ $196,915
Investments Other Securities$1,894,505$1,848,450▼ $46,055
Prepaid Expenses and Deferred Charges$652,948$789,020▲ $136,072
Accounts Receivable$1,058,837$38,030▼ $1,020,807
Total Assets$772,760,355$821,284,689▲ $48,524,334
Other Assets Total$24,866,805$18,585,566▼ $6,281,239
Liabilities
Other Liabilities$691,547,557$732,603,253▲ $41,055,696
Accounts Payable and Accrued Expenses$5,386,919$4,904,339▼ $482,580
Total Liabilities$696,934,476$737,507,592▲ $40,573,116
Net Assets / Fund Balance
Total Net Assets Fund Balance$75,825,879$83,777,097▲ $7,951,218
Total Liabilities and Net Assets / Fund Balance$772,760,355$821,284,689▲ $48,524,334

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,641,158$2,631,043$23,272,201
Land$6,332,449-$6,332,449
Equipment$2,138,810$3,557,791$5,696,601
Other Land Buildings$1,392,509$2,698,898$4,091,407
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Wendy OsgoodRegional Vice PresidentFT$1,311,586$22,288$1,333,874
Wendy Osgood Regional Vice Preside--$117,000$1,216,874$1,333,874
David ElmerPresidentceotreasurerFT$409,611$26,642$436,253
David Elmer Presidentceo--$357,084$79,169$436,253
Renee NelsonExecutive Vice PresidentcfoFT$324,370$86,642$411,012
Renee Nelson Executive Vice Presid--$272,083$138,929$411,012
John NicolausVice President - Investment ServicesFT$336,871$26,642$363,513
John Nicolaus Vp Investment Servic--$336,871$192,741$363,513
Denise HillExecutive Vice PresidentcooFT$216,087$14,766$230,853
Denise Hill Executive Vice Preside--$198,333$32,520$230,853
Charla ZeltvayCredit Union Operations AdvisorFT$166,099-$166,099
Charla Zeltvay Credit Union Op Adv--$137,654$18,941$166,099
Susan HarringtonRegional Vice PresidentFT$137,654$18,941$156,595
Susan Harrington Regional Vice Pre--$129,423$24,363$156,595
Denise DewaldRegional Vice PresidentFT$129,423$24,363$153,786
Denise Dewald Regional Vice Presid----$153,786

Board Members and Trustees

NameTitle
Frank SproulBoard Member (chairman)
Dan GibsonBoard Member (vice Chairman)
Brian MenefeeBoard Member
Dennis EricksonBoard Member
Gerald PrickettBoard Member
Hall ThomasBoard Member
Howard McuskerBoard Member
June ChadbourneBoard Member
Linda Furman GrileBoard Member
Robin McalpinBoard Member
Shaun HobackBoard Member
Elizabeth DavisBoard Member (secretary)
Steve MohrlandBoard Member (treasurer)

Highest Paid Contractors

ContractorServicesLocationCompensation
Adroit Construction CoConstructionPO BOX 609, Ashland, OR 97520$3,534,030
Redhawk Network Engineering INCNetwork Services62958 LAYTON AVENUE SUITE 1, Bend, OR 97701$679,538
Wescom Resources GroupOnline Services5601 E LA PALMA AVENUE, Anaheim, CA 92807$365,900
Jack Henry Associates INCService ProductsPO BOX 503328, St Louis, MO 63150$245,517
DieboldSupport ServicesPO BOX 643543, Pittsburgh, PA 15264$170,848
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,440,427
Investment Income
$1,808,081
Other Revenue
$1,563,510
Change in Net Assets
$7,949,051
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$15,474,628
Other Expenses$10,372,918
Grants and Similar Amounts Paid$15,421
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$10,867,487
Office Expenses---$5,189,957
Payroll Taxes---$1,956,963
Occupancy---$1,380,640
Depreciation Depletion---$1,109,026
Current Officers, Directors, Trustees, and Key Employees---$1,080,467
Interest---$985,338
Information Technology---$947,399
Other Employee Benefits---$827,962
Pension Plan Contributions---$741,749
Advertising---$448,311
Conferences and Meetings---$140,236
Insurance---$127,175
Travel---$100,993
Other Expenses---$91,919
Fees for Services Legal---$70,231
Fees for Services Accounting---$63,027
Fees for Services Other---$45,651
Grants to Domestic Orgs---$15,421
Total Functional Expenses$0$0$0$25,862,967
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Coquille School DistrictCoquille, OR501(c)(3)Educationathletics$8,612
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$732,603,253
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

Part VI Section A 6 7A & 7B

“Each person who has purchased a 1 share and opened an account with the orgainization 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 vice president 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 credit union has and maintains a conflict of interest policy. The policy includes members of senior and executive management as well as board members. If a conflict of interest were to arise it would be reported at the next scheduled board meeting. Various controls are in place to help deter these types of relationships or transactions and is monitored by management. The policy is reviewed annually for any necessary changes or updates.”

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.”

Filing and Contact Details

Filer

Filer Name
First Community Credit Union
EIN
93-0468003
Address
200 N ADAMS, COQUILLE, OR 97423

Signing Officer

Name
Renee Nelson
Title
Evpcfo
Phone
5413962145
Signed
2015-11-12

Organization Details

Principal Officer
Renee Nelson
Formed
1957
Legal Domicile
Or
Voting Board Members
13
Independent Board Members
13
Employees
333
Volunteers
13
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/TitleTxt3BOARD MEMBER (TREASURER)
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IRS990/Form990PartVIISectionAGrp/TitleTxt15EXECUTIVE VICE PRESIDENTCOO
IRS990/Form990PartVIISectionAGrp/TitleTxt16REGIONAL VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt17VICE PRESIDENT - INVESTMENT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt18CREDIT UNION OPERATIONS ADVISOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt20REGIONAL VICE PRESIDENT
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0TO BUILD LASTING FINANCIAL RELATIONSHIPS THROUGH PERSONALIZED BANKING.
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Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$821,284,689
Liabilities
$737,507,592
Net assets
$83,777,097
Revenue
$33,812,018
Expenses
$25,862,967
Net income
$7,949,051
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

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