Civic Intelligence

First Community Credit Union

990 • Fiscal year 2015 • EIN 93-0468003

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

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

58th percentile

0.90x

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

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

87th percentile

24.09x

Higher debt load relative to revenue than 87% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

79th percentile

20%

Higher net margin than 79% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

67th percentile

$473,346

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

75th percentile

9.3%

Faster asset growth than 75% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

12th percentile

-0.9%

Faster revenue growth than 12% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$897,823,591

Up $76,538,902 (+9.3%) from 2014

Net Assets

Up

$90,346,088

Up $6,568,991 (+7.8%) from 2014

Liabilities

Up

$807,477,503

Up $69,969,911 (+9.5%) from 2014

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin79th percentile

Revenue

Down

$33,522,341

Down $289,677 (-0.9%) from 2014

Expenses

Up

$26,893,459

Up $1,030,492 (+4.0%) from 2014

Net Income

Down

$6,628,882

Down $1,320,169 (-17%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2015

Assets$897,823,591
Liabilities$807,477,503
Net Assets$90,346,088
Open 2015 Filing

Operations Trend

Revenue Growth12th 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

2015

Revenue$33,522,341
Expenses$26,893,459
Net Income$6,628,882
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$34,749,573
Mission and Program Overview

Mission

To build lasting financial relationships through personalized banking.

To build lasting financial relationships through personalized banking

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$449,179,583$508,555,061▲ $59,375,478
Savings and Temporary Cash Investments$231,903,086$213,566,158▼ $18,336,928
Investments in Publicly Traded Securities$70,708,826$109,119,664▲ $38,410,838
Rtn Earn Endowment Incm Other Fnds$83,777,097$90,346,088▲ $6,568,991
Land, Buildings, and Equipment, Net$30,504,926$28,515,077▼ $1,989,849
Intangible Assets$10,071,354$9,791,418▼ $279,936
Cash and Non-Interest-Bearing Accounts$7,655,848$7,104,982▼ $550,866
Investments Other Securities$1,848,450$1,473,425▼ $375,025
Prepaid Expenses and Deferred Charges$789,020$919,213▲ $130,193
Accounts Receivable$38,030$27,589▼ $10,441
Total Assets$821,284,689$897,823,591▲ $76,538,902
Other Assets Total$18,585,566$18,751,004▲ $165,438
Liabilities
Other Liabilities$732,603,253$801,967,314▲ $69,364,061
Accounts Payable and Accrued Expenses$4,904,339$5,510,189▲ $605,850
Total Liabilities$737,507,592$807,477,503▲ $69,969,911
Net Assets / Fund Balance
Total Net Assets Fund Balance$83,777,097$90,346,088▲ $6,568,991
Total Liabilities and Net Assets / Fund Balance$821,284,689$897,823,591▲ $76,538,902

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,697,578$2,875,897$22,573,475
Equipment$1,824,350$4,138,770$5,963,120
Land$5,770,815-$5,770,815
Other Land Buildings$1,222,334$2,986,400$4,208,734
Other Assets Org$18,751,004--
Other Securities$1,473,425--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleBaseOtherTotal
Dan GibsonBoard Member Chairman$405,834$67,512$473,346
Elizabeth DavisBoard Membervice Chai$307,084$151,497$458,581
Shaun HobackBoard Member Treasurer$343,159$200,931$370,305
Steve MohrlandBoard Member Secretary$218,334$45,945$264,279
Frank SproulBoard Member$142,116$33,899$175,521
Brian MenefeeBoard Member$143,654$26,851$171,744
Dennis EricksonBoard Member$121,725$21,235$166,020
Linda Furman GrileBoard Member--$149,980

Board Members and Trustees

NameTitle
David ElmerPresidentceotreasure
Gerald PrickettBoard Member
Hall ThomasBoard Member
Harvey DenneyBoard Member
June ChadbourneBoard Member
Robin McalpinBoard Member
Charla ZeltvayCu Operations Advisor
Renee NelsonExecutive Vpcfo
Denise HillExecutive Vpcoo
Denise DewaldRegional VP
Susan HarringtonRegional VP
Wendy OsgoodRegional VP
John NicolausVP Investment Services

Highest Paid Contractors

ContractorServicesLocationCompensation
DieboldSupport ServicesPO BOX 643543, Pittsburgh, PA 15264-3543$250,402
Jack Henry & AssociatesService ProductsPO BOX 503328, St Louis, MO 63150-3328$215,000
Wescom Resources GroupOnline Services5601 E LA PALMA AVE, Anaheim, CA 92807$203,975
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$29,009,670
Investment Income
$2,869,798
Other Revenue
$1,642,873
Change in Net Assets
$6,628,882
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$15,750,590
Other Expenses$11,123,015
Grants and Similar Amounts Paid$19,854
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$11,355,842
Office Expenses---$4,993,171
Payroll Taxes---$2,027,178
Occupancy---$1,406,954
Current Officers, Directors, Trustees, and Key Employees---$1,198,552
Depreciation Depletion---$1,170,004
Information Technology---$1,106,420
Interest---$1,033,439
Other Employee Benefits---$759,508
Advertising---$460,768
Pension Plan Contributions---$409,510
Fees for Services Accounting---$178,065
Conferences and Meetings---$119,069
Insurance---$109,082
Travel---$103,475
Other Expenses---$101,502
Fees for Services Legal---$69,551
Grants to Domestic Orgs---$19,854
Total Functional Expenses$0$0$0$26,893,459
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Coquille School DistrictCoquille, OR501c3Educationathletics$14,866
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$801,967,314
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”

Part VI, Section A, #6, 7A, & 7B

“organization is a member. Each member of the organization can vote for the”

Part VI, Section A, #6, 7A, & 7B

“members of the board of directors as well as other issues that are brought”

Part VI, Section A, #6, 7A, & 7B

“before the membership to be voted on.”

Part VI, Section B, #11B

“The form 990 is prepared by the Vice President of Finance. It is reviewed”

Part VI, Section B, #11B

“by the Chief Financial Officer, and is then presented to the Executive”

Part VI, Section B, #11B

“Committee for review.”

Part VI, Section B, #12C

“The Credit Union has and maintains a conflict of interest policy. The”

Part VI, Section B, #12C

“policy includes members of senior and executive management as well as board”

Part VI, Section B, #12C

“members. If a conflict of interest were to arise, it would be reported at”

Part VI, Section B, #12C

“the next scheduled board meeting. Various controls are in place to help”

Part VI, Section B, #12C

“deter these types of relationships or transactions and is monitored by”

Part VI, Section B, #12C

“management. The policy is reviewed annually for any necessary changes or”

Part VI, Section B, #12C

“updates.”

Part VI, Section B, 15A & 15B

“Annual reviews are performed by the Board for the CEO at the beginning of”

Part VI, Section B, 15A & 15B

“each year, using salary survey data. The performance for the last year is”

Part VI, Section B, 15A & 15B

“analyzed and pay increases are administered as deemed necessary. The CEO”

Part VI, Section B, 15A & 15B

“does the same annual review process with the other officers of the”

Part VI, Section B, 15A & 15B

“organization, and also administers any Board approved salary increases as”

Part VI, Section B, 15A & 15B

“warranted.”

Part VI, Section C, #19

“Governing documents of the organization are available upon request, as well”

Part VI, Section C, #19

“as the monthly financial statements. The financial statements are also”

Part VI, Section C, #19

“posted in the branches for review by the public.”

Filing and Contact Details

Filer

Filer Name
First Community Credit Union
EIN
93-0468003
In Care Of
% Renee Nelson
Phone
5413962145
Address
200 N ADAMS, COQUILLE, OR 97423

Signing Officer

Name
Renee Nelson
Title
Executive Vice PresidentCFO
Phone
5413961103
Signed
2016-11-14

Organization Details

Principal Officer
David Elmer
Formed
1957
Legal Domicile
Or
Voting Board Members
13
Independent Board Members
13
Employees
308
Volunteers
15
Raw XML AppendixShowing 400 of 668 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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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$897,823,591
Liabilities
$807,477,503
Net assets
$90,346,088
Revenue
$33,522,341
Expenses
$26,893,459
Net income
$6,628,882
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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