Civic Intelligence

First Community Credit Union

990 • Fiscal year 2017 • EIN 93-0468003

Jan 01, 2017 to Dec 31, 2017 • Filed on Oct 31, 2018

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

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

87th percentile

24.54x

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

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

71st percentile

22%

Higher net margin than 71% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

46th percentile

$801,969

Higher top officer pay than 46% of similar nonprofits.

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

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

53rd percentile

7.7%

Faster asset growth than 53% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

29th percentile

7.9%

Faster revenue growth than 29% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$1,044,692,282

Up $74,697,268 (+7.7%) from 2016

Net Assets

Up

$105,176,231

Up $8,327,592 (+8.6%) from 2016

Liabilities

Up

$939,516,051

Up $66,369,676 (+7.6%) from 2016

Revenue And Expenses
Liabilities / Revenue87th percentileNet Margin71st percentile

Revenue

Up

$38,281,790

Up $2,791,143 (+7.9%) from 2016

Expenses

Up

$29,954,197

Up $908,377 (+3.1%) from 2016

Net Income

Up

$8,327,593

Up $1,882,766 (+29%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth53rd 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

2017

Assets$1,044,692,282
Liabilities$939,516,051
Net Assets$105,176,231
Open 2017 Filing

Operations Trend

Revenue Growth29th 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

2017

Revenue$38,281,790
Expenses$29,954,197
Net Income$8,327,593
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Oct 31, 2018
Return Version
2017v2.3
Gross Receipts
$40,220,918
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$599,670,257$706,426,897▲ $106,756,640
Savings and Temporary Cash Investments$219,565,829$167,220,533▼ $52,345,296
Investments in Publicly Traded Securities$86,601,316$106,072,814▲ $19,471,498
Rtn Earn Endowment Incm Other Fnds$96,848,639$105,176,231▲ $8,327,592
Land, Buildings, and Equipment, Net$27,576,627$28,473,047▲ $896,420
Intangible Assets$9,519,869$9,340,581▼ $179,288
Cash and Non-Interest-Bearing Accounts$9,139,881$8,890,048▼ $249,833
Investments Other Securities$1,583,549$1,667,453▲ $83,904
Prepaid Expenses and Deferred Charges$822,946$882,767▲ $59,821
Accounts Receivable$34,864$49,528▲ $14,664
Total Assets$969,995,014$1,044,692,282▲ $74,697,268
Other Assets Total$15,479,876$15,668,614▲ $188,738
Liabilities
Other Liabilities$868,559,760$934,354,595▲ $65,794,835
Accounts Payable and Accrued Expenses$4,586,615$5,161,456▲ $574,841
Total Liabilities$873,146,375$939,516,051▲ $66,369,676
Net Assets / Fund Balance
Total Net Assets Fund Balance$96,848,639$105,176,231▲ $8,327,592
Total Liabilities and Net Assets / Fund Balance$969,995,014$1,044,692,282▲ $74,697,268

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$20,845,161$3,369,988$24,215,149
Land$5,711,050-$5,711,050
Equipment$1,501,983$2,263,841$3,765,824
Other Land Buildings$414,853$2,789,723$3,204,576
Other Assets Org$15,668,614--
Financial Derivatives$1,667,453--
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Renee NelsonExecutive VpcfoFT$383,974$28,586$801,969
David ElmerPresidentceotreasureFT$472,917$28,586$671,726
Denise HillExecutive VpcooFT$253,750$15,587$477,060
John NicolausVP Investment ServicesFT$435,547$28,586$464,133
Denise DewaldRegional VPFT$154,846$28,586$192,374
Susan HarringtonRegional VPFT$150,000$27,533$186,475
Wendy OsgoodRegional VPFT$151,000$22,204$180,922
Kevin IsleyVP Application DevelopFT$124,975$26,135$157,126
Dan GibsonBoard Member-$14,687$37,528$14,687
Shaun HobackBoard Mbr Secretary-$13,628$223,310$13,628
Linda Furman-grileBoard Member-$13,566-$13,566
Gerald PrickettBoard Member-$13,527-$13,527
Robin McalpinBoard Mbr Treasurer-$13,524$37,528$13,524
Hall ThomasBoard Member-$13,500-$13,500
Harvey DenneyBoard Member-$13,492-$13,492
Steve MohrlandBoard Mbr Vice Chair-$13,481$417,995$13,481
Dennis EricksonBoard Member-$13,406$26,136$13,406
Brian MenefeeBoard Member-$13,353$28,219$13,353
Frank SproulBoard Member-$12,000$35,251$12,000
June ChadbourneBoard Member-$12,000-$12,000
Elizabeth DavisBoard Member Chair-$1,723$198,809$1,723

Highest Paid Contractors

ContractorServicesLocationCompensation
Harmon ConstructionConstruction61393 HWY 101, Coos Bay, OR 97420$1,987,821
CenturylinkPhonedataPO BOX 4648, Monroe, LA 71211$442,864
Redhawk Network SecurityNetwork Admin62958 LAYTON AVE STE 1, Bend, OR 97701$427,509
DieboldAtm SupportPO BOX 643543, Pittsburgh, PA 15264$419,720
Jack Henry & AssociatesServices ProductsPO BOX 609, Monett, MO 65708$392,254
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$32,061,652
Investment Income
$4,300,436
Other Revenue
$1,919,702
Change in Net Assets
$8,327,593
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$18,465,670
Other Expenses$11,481,249
Grants and Similar Amounts Paid$7,278
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,089,540
Office Expenses---$5,181,971
Payroll Taxes---$2,219,701
Current Officers, Directors, Trustees, and Key Employees---$1,953,102
Occupancy---$1,350,449
Information Technology---$1,348,418
Depreciation Depletion---$1,188,968
Interest---$993,156
Other Employee Benefits---$909,625
Advertising---$383,788
Pension Plan Contributions---$293,702
Conferences and Meetings---$267,854
All Other Expenses---$250,014
Insurance---$110,339
Travel---$102,648
Fees for Services Legal---$102,096
Fees for Services Other---$79,108
Fees for Services Accounting---$67,109
Other Expenses---$55,331
Grants to Domestic Orgs---$7,278
Total Functional Expenses$0$0$0$29,954,197
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$934,354,595
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
Yes
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 4

“The board governing policies have been changed to include compensation”

Part VI Line 4

“For each member of the board, as well as the supervisory committee members.”

Part VI Line 6

“Each person who has purchased a $1 share and opened an account with the”

Part VI Line 6

“Organization is a member.”

Part VI Line 7A

“Each member of the organization can vote for the members of the board of”

Part VI Line 7A

“Directors as well as other issues that are brought before the membership.”

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 presented to the executive committee”

Part VI Line 19

“All of these documents are available upon request.”

PART VI, LINE #4

“The board governing policies have been changed to include compensation for”

PART VI, LINE #4

“each member of the board, as well as the Supervisory Committee members.”

PART VI, Line #6, 7A & 7B

“Each person who has purchased a $1 share and opened an account with the”

PART VI, Line #6, 7A & 7B

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

PART VI, Line #6, 7A & 7B

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

PART VI, Line #6, 7A & 7B

“before the membership to be voted on.”

PART VI, Line #11B

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

PART VI, Line #11B

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

PART VI, Line #11B

“Committee for review.”

PART VI, Line #12C

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

PART VI, Line #12C

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

PART VI, Line #12C

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

PART VI, Line #12C

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

PART VI, Line #12C

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

PART VI, Line #12C

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

PART VI, Line #12C

“changes or updates.”

PART VI, Line #15A & 15B

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

PART VI, Line #15A & 15B

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

PART VI, Line #15A & 15B

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

PART VI, Line #15A & 15B

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

PART VI, Line #15A & 15B

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

PART VI, Line #15A & 15B

“warranted.”

PART VI, Line #19

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

PART VI, Line #19

“as monthly financial statements. Financials are posted in the branches.”

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
2018-10-31

Organization Details

Principal Officer
David Elmer
Formed
1957
Legal Domicile
Or
Voting Board Members
13
Independent Board Members
13
Employees
312
Volunteers
17
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“CONSULTING Total expenses - $79108.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part IX Line 24E

“REGULATORY FEES Total expenses - $119749.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part IX Line 24E

“ASSOCIATION DUES Total expenses - $130265.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Raw XML AppendixShowing 400 of 726 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

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,044,692,282
Liabilities
$939,516,051
Net assets
$105,176,231
Revenue
$38,281,790
Expenses
$29,954,197
Net income
$8,327,593
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
2017Detailed filing. Detailed filing data is available for this year.$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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