Civic Intelligence

First Community Credit Union

990 • Fiscal year 2018 • EIN 93-0468003

Jan 01, 2018 to Dec 31, 2018 • Filed on Aug 09, 2019

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

47th percentile

0.89x

Higher debt load relative to assets than 47% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

88th percentile

22.38x

Higher debt load relative to revenue than 88% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

88th percentile

28%

Higher net margin than 88% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

61st percentile

$959,102

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

47th percentile

5.8%

Faster asset growth than 47% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

64th percentile

15%

Faster revenue growth than 64% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$1,105,525,152

Up $60,832,870 (+5.8%) from 2017

Net Assets

Up

$117,648,255

Up $12,472,024 (+12%) from 2017

Liabilities

Up

$987,876,897

Up $48,360,846 (+5.1%) from 2017

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin88th percentile

Revenue

Up

$44,150,516

Up $5,868,726 (+15%) from 2017

Expenses

Up

$31,717,252

Up $1,763,055 (+5.9%) from 2017

Net Income

Up

$12,433,264

Up $4,105,671 (+49%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth47th 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

2018

Assets$1,105,525,152
Liabilities$987,876,897
Net Assets$117,648,255
Open 2018 Filing

Operations Trend

Revenue Growth64th 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

2018

Revenue$44,150,516
Expenses$31,717,252
Net Income$12,433,264
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Aug 9, 2019
Return Version
2018v3.1
Gross Receipts
$44,982,180
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$706,426,897$737,687,886▲ $31,260,989
Savings and Temporary Cash Investments$167,220,533$205,212,360▲ $37,991,827
Rtn Earn Endowment Incm Other Fnds$105,176,231$117,648,255▲ $12,472,024
Investments in Publicly Traded Securities$106,072,814$91,839,100▼ $14,233,714
Land, Buildings, and Equipment, Net$28,473,047$31,691,434▲ $3,218,387
Cash and Non-Interest-Bearing Accounts$8,890,048$9,887,568▲ $997,520
Intangible Assets$9,340,581$9,146,352▼ $194,229
Investments Other Securities$1,667,453$1,291,561▼ $375,892
Prepaid Expenses and Deferred Charges$882,767$892,077▲ $9,310
Accounts Receivable$49,528$16,922▼ $32,606
Total Assets$1,044,692,282$1,105,525,152▲ $60,832,870
Other Assets Total$15,668,614$17,859,892▲ $2,191,278
Liabilities
Other Liabilities$934,354,595$982,897,488▲ $48,542,893
Accounts Payable and Accrued Expenses$5,161,456$4,979,409▼ $182,047
Total Liabilities$939,516,051$987,876,897▲ $48,360,846
Net Assets / Fund Balance
Total Net Assets Fund Balance$105,176,231$117,648,255▲ $12,472,024
Total Liabilities and Net Assets / Fund Balance$1,044,692,282$1,105,525,152▲ $60,832,870

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$24,106,093$3,754,538$27,860,631
Land$6,055,424-$6,055,424
Equipment$1,375,711$2,704,702$4,080,413
Other Land Buildings$154,206$3,050,370$3,204,576
Other Assets Org$17,859,892--
Closely Held Equity Interests$1,291,561--
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David ElmerPresidentceotreasureFT$511,667-$987,938
Renee NelsonExecutive VpcfoFT$392,500-$812,171
John NicolausVP Investment ServicesFT$445,605-$474,441
Denise HillExecutive VpcooFT$273,333-$323,405
Wendy OsgoodRegional VPFT$165,692-$203,588
Denise DewaldRegional VPFT$162,462-$199,055
Susan HarringtonRegional VPFT$156,058-$186,515
Mike LeepVP of FinanceFT$127,524-$163,556
Hall ThomasBoard Member-$17,189-$17,189
Shaun HobackBoard Mbr Secretary-$15,476$50,072$15,476
Brian MenefeeBoard Member-$15,471$40,563$15,471
Steve MohrlandBoard Mbr Vice Chair-$15,303$419,671$15,303
Dan GibsonBoard Member-$14,984$36,302$14,984
Gerald PrickettBoard Member-$14,825-$14,825
Harvey DenneyBoard Member-$14,628-$14,628
Linda Furman-grileBoard Member-$14,494-$14,494
Robin McalpinBoard Mbr Treasurer-$14,313$38,127$14,313
Dennis EricksonBoard Member-$14,264$24,305$14,264
Frank SproulBoard Member-$14,024$30,517$14,024
June ChadbourneBoard Member-$13,000-$13,000
Elizabeth DavisBoard Member Chair-$2,298$476,271$2,298

Highest Paid Contractors

ContractorServicesLocationCompensation
Ausland GroupBuilding Services3935 Highland Ave, Grants Pass, OR 97526$2,241,636
Harmon ConstructionBuilding Services61393 Hwy 101, Coos Bay, OR 97420$561,729
GB ConstructionBuilding Services56575 Roth Road, Coquille, OR 97423$408,612
DieboldATM SupportPO Box 4648, Pittsburgh, PA 15264$406,017
CenturylinkPhoneDataPO Box 4648, Monroe, LA 71211$296,958
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,864,876
Investment Income
$5,253,205
Other Revenue
$2,032,435
Change in Net Assets
$12,433,264
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$19,835,962
Other Expenses$11,876,890
Grants and Similar Amounts Paid$4,400
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$13,842,539
Office Expenses---$5,322,365
Payroll Taxes---$2,423,191
Current Officers, Directors, Trustees, and Key Employees---$2,125,860
Occupancy---$1,394,147
Interest---$1,390,100
Information Technology---$1,326,499
Depreciation Depletion---$1,257,691
Other Employee Benefits---$906,048
Pension Plan Contributions---$538,324
Advertising---$472,486
Conferences and Meetings---$322,795
Insurance---$267,681
All Other Expenses---$235,951
Travel---$96,157
Fees for Services Other---$88,000
Fees for Services Accounting---$67,500
Fees for Services Legal---$54,259
Grants to Domestic Orgs---$4,400
Other Expenses---$-418,741
Total Functional Expenses$0$0$0$31,717,252
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$982,897,488
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

“See Schedule O”

Part VI Line 19

“See Schedule O”

VI, Section C, #19

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

VI, Section C, #19

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

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
2019-08-09

Organization Details

Principal Officer
David Elmer
Formed
1957
Legal Domicile
Or
Voting Board Members
13
Independent Board Members
13
Employees
325
Volunteers
17
Supplemental Narrative

Additional Explanations

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

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

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

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

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

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

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

“before the membership to be voted on.”

VI Section B, #11B

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

VI Section B, #11B

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

VI Section B, #11B

“Committee for review.”

VI Section B, #12C

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

VI Section B, #11B

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

VI Section B, #11B

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

VI Section B, #11B

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

VI Section B, #11B

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

VI Section B, #11B

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

VI Section B, #15A & 15B

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

VI Section B, #15A & 15B

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

VI Section B, #15A & 15B

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

VI Section B, #15A & 15B

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

VI Section B, #15A & 15B

“organization and also administers any Board approved salary increases.”

Raw XML AppendixShowing 400 of 696 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/TitleTxt18REGIONAL VP
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IRS990/LobbyingActivitiesInd0false
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IRS990/MembersOrStockholdersInd0true
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IRS990/MinutesOfCommitteesInd0true
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,105,525,152
Liabilities
$987,876,897
Net assets
$117,648,255
Revenue
$44,150,516
Expenses
$31,717,252
Net income
$12,433,264
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
2018Detailed filing. Detailed filing data is available for this year.$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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