Liabilities / Assets
46th percentile
Higher debt load relative to assets than 46% of similar nonprofits.
Fiscal Credit Union C/O Unify Financial Federal Credit Union
990 • Fiscal year 2011 • EIN 95-1644523
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.89x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Up$134,252,250
Up $1,879,561 (+1.4%) from 2010
Net Assets
Up$14,124,174
Up $1,191,721 (+9.2%) from 2010
Liabilities
Up$120,128,076
Up $687,840 (+0.6%) from 2010
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$5,853,862
Down $882,678 (-13%) from 2010
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2011 to Dec 31, 2011
- Signed
- Oct 26, 2012
- Return Version
- 2011v1.2
- Gross Receipts
- $10,761,673
Mission and Program Overview
Mission
A cooperative, organized for the purpose of promoting thrift andsavings among its members, creating a source of credit for them at rates of interest set by the board of directors, and providing an opportunity for them to use and control their own money on a democratic basis in order to improve their economic and social conditions. As a cooperative, fiscal credit union conductsits business for the mutual benefit and general welfare of itsmembers with the earnings, savings, benefits, or services of the credit union being distributed to its members as patrons.
Major Activities
- Activity 2
- Accomplishment of target goals in connection with provision of mortgage loan products to existing members.
- Activity 3
- Member satisfaction in connection with services pertaining to checking/savings accounts, attractive cd rates, ira and similar accounts.
Filing and Contact Details
Filer
- EIN
- 95-1644523
Raw XML AppendixShowing 400 of 497 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/ActivityOrMissionDescription | 0 | A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. |
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| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 2335506 |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Explanation | 0 | FASB ASC TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE MORE LIKELY THAN NOT OF BEING SUSTAINED "WHEN CHALLENGED" OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED MARCH 31, 2012 AND 2011, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. |
| IRS990ScheduleD/Form990ScheduleDPartXIV/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIV/ReturnReference | 0 | PART X: |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 0 | 446135 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 1 | 43882833 |
| IRS990ScheduleD/InvestmentsProgramRelated/BookValue | 2 | 3859000 |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 0 | OTHER INVESTMENTS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 1 | NET LOANS |
| IRS990ScheduleD/InvestmentsProgramRelated/Description | 2 | SHARE CERTIFICATE INVESTMENTS |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 0 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 1 | F |
| IRS990ScheduleD/InvestmentsProgramRelated/MethodOfValuation | 2 | F |
| IRS990ScheduleD/Land/BookValue | 0 | 880000 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 880000 |
| IRS990ScheduleD/LeaseholdImprovements/BookValue | 0 | 158594 |
| IRS990ScheduleD/LeaseholdImprovements/Depreciation | 0 | 347711 |
| IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis | 0 | 506305 |
| IRS990ScheduleD/OtherAssets/BookValue | 0 | 1556599 |
| IRS990ScheduleD/OtherAssets/BookValue | 1 | 3456747 |
| IRS990ScheduleD/OtherAssets/BookValue | 2 | 1737031 |
| IRS990ScheduleD/OtherAssets/Description | 0 | AMERICAN SHARE INSURANCE FUND |
| IRS990ScheduleD/OtherAssets/Description | 1 | DEFERRED COMPENSATION |
| IRS990ScheduleD/OtherAssets/Description | 2 | OTHER ASSETS |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 467993 |
| IRS990ScheduleD/OtherLiabilities/Amount | 1 | 118691293 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | OTHER LIABILITIES |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | TOTAL SHARES |
| IRS990ScheduleD/TotalBookValueOtherAssets | 0 | 6750377 |
| IRS990ScheduleD/TotalOfAmounts | 0 | 119159286 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 2310792 |
| IRS990ScheduleD/TotalOfBookValueProgramRelated | 0 | 48187968 |
| IRS990ScheduleJ/BoardOrCommitteeApproval | 0 | X |
| IRS990ScheduleJ/CompensationSurvey | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrangement | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 0 | 163245 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg | 1 | 117328 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg | 0 | 1400 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg | 1 | 1400 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg | 0 | 1400693 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg | 0 | 9085 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg | 1 | 111389 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation | 0 | THE CREDIT UNION HAS DEFERRED COMPENSATION CONTRACTS WITH ITS CEO AND COO. THE CONTRACTS MATURE AFTER 10 YEARS. THE DEFERRED COMPENSATION PLAN WAS DESIGNED TO INCENTIVIZE THESE KEY EXECUTIVES TO STAY WITH THE CREDIT UNION FOR AT LEAST 10 YEARS. |
| IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference | 0 | PART I, LINE 4B |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 0 | MICHAEL GOMEZ |
| IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson | 1 | STEPHANIE HUBER |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg | 0 | 17809 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg | 1 | 486 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg | 0 | 1410515 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg | 1 | 4359 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs | 1 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 0 | 1602054 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg | 1 | 234962 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs | 0 | 0 |
| IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs | 1 | 0 |
| IRS990/ScheduleJRequired | 0 | 1 |
| IRS990ScheduleJ/SeverancePayment | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRetirePlan | 0 | 1 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | FISCAL CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. FISCAL CREDIT UNION DOES NOT HAVE STOCKHOLDERS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | THE GOVERNING BOARD OF FISCAL CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | AT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | THE CREDIT UNION HAS A CONFLICT OF INTEREST POLICY. ON AN ANNUAL BASIS, ALL EMPLOYEES ARE REQUIRED TO REVIEW THE POLICY AND SIGN OFF THAT THEY UNDERSTAND THE POLICY AND ARE IN COMPLIANCE WITH IT. ON AN ONGOING BASIS, THE HUMAN RESOURCE AND SUPPORT SERVICE DEPARTMENTS MONITOR EMPLOYEES FOR COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | THE COMPENSATION PACKAGE OF THE CREDIT UNION'S CEO IS DETERMINED BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS REVIEWS AVERAGE COMPENSATION DATA FOR CEOS OF SIMILARLY SIZED CREDIT UNIONS. THE CEO REVIEWS AND DETERMINES THE COMPENSATION PACKAGE OF KEY EMPLOYEES OF THE CREDIT UNION ANNUALLY. THE CEO REVIEWS AVERAGE COMPENSATION DATA FOR KEY EMPLOYEES OF SIMILARLY SIZED CREDIT UNIONS. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE BUILDING LOBBY AND ARE ALSO AVAILABLE UPON REQUEST. |
Document Assets
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Filings
Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $134,252,250
- Liabilities
- $120,128,076
- Net assets
- $14,124,174
- Revenue
- -
- Expenses
- $5,853,862
- Net income
- -