Civic Intelligence

First Community Credit Union

990 • Fiscal year 2016 • EIN 93-0468003

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 09, 2017

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

57th percentile

0.90x

Higher debt load relative to assets than 57% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

24.60x

Higher debt load relative to revenue than 91% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

77th percentile

18%

Higher net margin than 77% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

89th percentile

$736,880

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

69th percentile

8.0%

Faster asset growth than 69% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

41st percentile

5.9%

Faster revenue growth than 41% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$969,995,014

Up $72,171,423 (+8.0%) from 2015

Net Assets

Up

$96,848,639

Up $6,502,551 (+7.2%) from 2015

Liabilities

Up

$873,146,375

Up $65,668,872 (+8.1%) from 2015

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin77th percentile

Revenue

Up

$35,490,647

Up $1,968,306 (+5.9%) from 2015

Expenses

Up

$29,045,820

Up $2,152,361 (+8.0%) from 2015

Net Income

Down

$6,444,827

Down $184,055 (-2.8%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2016

Assets$969,995,014
Liabilities$873,146,375
Net Assets$96,848,639
Open 2016 Filing

Operations Trend

Revenue Growth41st 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

2016

Revenue$35,490,647
Expenses$29,045,820
Net Income$6,444,827
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 9, 2017
Return Version
2016v3.0
Gross Receipts
$36,898,533
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$508,555,061$599,670,257▲ $91,115,196
Savings and Temporary Cash Investments$213,566,158$219,565,829▲ $5,999,671
Rtn Earn Endowment Incm Other Fnds$90,346,088$96,848,639▲ $6,502,551
Investments in Publicly Traded Securities$109,119,664$86,601,316▼ $22,518,348
Land, Buildings, and Equipment, Net$28,515,077$27,576,627▼ $938,450
Intangible Assets$9,791,418$9,519,869▼ $271,549
Cash and Non-Interest-Bearing Accounts$7,104,982$9,139,881▲ $2,034,899
Investments Other Securities$1,473,425$1,583,549▲ $110,124
Prepaid Expenses and Deferred Charges$919,213$822,946▼ $96,267
Accounts Receivable$27,589$34,864▲ $7,275
Total Assets$897,823,591$969,995,014▲ $72,171,423
Other Assets Total$18,751,004$15,479,876▼ $3,271,128
Liabilities
Other Liabilities$801,967,314$868,559,760▲ $66,592,446
Accounts Payable and Accrued Expenses$5,510,189$4,586,615▼ $923,574
Total Liabilities$807,477,503$873,146,375▲ $65,668,872
Net Assets / Fund Balance
Total Net Assets Fund Balance$90,346,088$96,848,639▲ $6,502,551
Total Liabilities and Net Assets / Fund Balance$897,823,591$969,995,014▲ $72,171,423

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$19,283,507$3,186,677$22,470,184
Equipment$1,553,769$4,630,096$6,183,865
Land$6,117,367-$6,117,367
Other Land Buildings$621,984$2,778,795$3,400,779
Other Assets Org$15,479,876--
Other Securities$1,583,549--
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleBaseOtherTotal
Shaun HobackBoard Member Treas$374,209$770,865$736,880
Dan GibsonBoard Member Chairman$446,667$189,014$635,681
Frank SproulBoard Member$149,039$579,697$552,661
Steve MohrlandBoard Member Sec$238,334$218,801$457,135
Elizabeth DavisBoard Member Vice Ch$337,500$72,374$409,874
Brian MenefeeBoard Member-$368,441$402,509
Dennis EricksonBoard Member--$368,441
Linda Furman GrileBoard Member--$181,760

Board Members and Trustees

NameTitle
Gerald PrickettBoard Member
Hall ThomasBoard Member
Harvey DenneyBoard Member
June ChadbourneBoard Member
Robin McalpinBoard Member
Charla ZeltvayCu Operations Advisor
Peggy MullCu Operations Advisor
Susan CallicoattCu Operations Advisor
Renee NelsonExecutive Vpcfo
Denise HillExecutive Vpcoo
David ElmerPresidenceotreasurer
Denise DewaldRegional Vice Pres
John NicolausVP Investment Adviso

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesServices ProductsPO BOX 503328, St Louis, MO 63150-3328$487,952
Appraisal Valet INCAppraisal Services10260 SW GREENBURG RD Ste STE 1, Bend, OR 97223$244,750
Redhawk Network SecurityNetwork Admin62958 LAYTON AVE Ste STE 1, Bend, OR 97701$236,679
Harmon ConstructionConstruction Services61393 HIGHWAY 101, Coos Bay, OR 97420$137,281
Equifax Info Services LLCCredit ReportingPO BOX 105835, Atlanta, GA 30348-5835$136,558
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,390,237
Investment Income
$3,378,808
Other Revenue
$1,721,602
Change in Net Assets
$6,444,827
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$17,282,505
Other Expenses$11,758,835
Grants and Similar Amounts Paid$4,480
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,345,244
Office Expenses---$5,383,856
Payroll Taxes---$2,132,640
Current Officers, Directors, Trustees, and Key Employees---$1,505,035
Occupancy---$1,391,593
Information Technology---$1,188,027
Depreciation Depletion---$1,113,828
Interest---$998,281
Other Employee Benefits---$874,340
Advertising---$568,317
Pension Plan Contributions---$425,246
Conferences and Meetings---$151,114
Other Expenses---$114,641
Insurance---$107,003
Travel---$98,409
Fees for Services Other---$88,197
Fees for Services Accounting---$66,127
Fees for Services Legal---$51,072
Grants to Domestic Orgs---$4,480
Total Functional Expenses$0$0$0$29,045,820
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$868,559,760
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 Line 11B

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

Part VI Line 11B

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

Part VI Line 19

“This is noted currently on Schedule O”

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”

PART VI, SECTION B, #12C

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

PART VI, SECTION B, #12C

“reported at the next scheduled board meeting. Various controls are in”

PART VI, SECTION B, #12C

“place to help deter these types of relationships or transactions and is”

PART VI, SECTION B, #12C

“monitored by management. The policy is reviewed annually for any”

PART VI, SECTION B, #12C

“necessary changes or updates.”

PART VI, SECTION B, 15A & 15B

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

PART VI, SECTION B, 15A & 15B

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

PART VI, SECTION B, 15A & 15B

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

PART VI, SECTION B, 15A & 15B

“CEO 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”

PART VI, SECTION B, 15A & 15B

“as 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 VPCFO
Phone
5413962145
Signed
2017-11-09

Organization Details

Principal Officer
David Elmer
Formed
1957
Legal Domicile
Or
Voting Board Members
13
Independent Board Members
13
Employees
304
Volunteers
17
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“OTHER PROFESSIONAL SERVIC Total expenses - $88197.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Raw XML AppendixShowing 400 of 677 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

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$969,995,014
Liabilities
$873,146,375
Net assets
$96,848,639
Revenue
$35,490,647
Expenses
$29,045,820
Net income
$6,444,827
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
2016Detailed filing. Detailed filing data is available for this year.$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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