Liabilities / Assets
71st percentile
Higher debt load relative to assets than 71% of similar nonprofits.
Fiscal Credit Union C/O Unify Financial Federal Credit Union
990 • Fiscal year 2015 • EIN 95-1644523
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.91x
Liabilities / Revenue
85th percentile
Higher debt load relative to revenue than 85% of similar nonprofits.
Net Margin
9th percentile
Higher net margin than 9% of similar nonprofits.
Top Officer Pay
99th percentile
Higher top officer pay than 99% of similar nonprofits.
Top officer pay equals 26.0% of source-year revenue.
Asset Growth
9th percentile
Faster asset growth than 9% of similar nonprofits.
Revenue Growth
32nd percentile
Faster revenue growth than 32% of similar nonprofits.
Balance Sheet
Assets
Down$137,173,914
Down $167,278 (-0.1%) from 2014
Net Assets
Up$12,535,961
Up $152,601 (+1.2%) from 2014
Liabilities
Down$124,637,953
Down $319,879 (-0.3%) from 2014
Revenue And Expenses
Revenue
Up$5,248,063
Up $81,173 (+1.6%) from 2014
Expenses
Down$5,169,320
Down $167,101 (-3.1%) from 2014
Net Income
Up$78,743
Up $248,274 (+146%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Aug 31, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $5,248,063
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.
A cooperative, organized for the purpose of promoting thrift and savings among its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Program Related | $63,325,964 | $69,903,425 | ▲ $6,577,461 |
| Investments in Publicly Traded Securities | $55,729,219 | $43,910,831 | ▼ $11,818,388 |
| Savings and Temporary Cash Investments | $15,526,795 | $19,000,178 | ▲ $3,473,383 |
| Rtn Earn Endowment Incm Other Fnds | $12,383,360 | $12,535,961 | ▲ $152,601 |
| Land, Buildings, and Equipment, Net | $1,996,684 | $1,886,099 | ▼ $110,585 |
| Prepaid Expenses and Deferred Charges | $124,196 | $126,717 | ▲ $2,521 |
| Cash and Non-Interest-Bearing Accounts | $180,494 | $120,910 | ▼ $59,584 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $137,341,192 | $137,173,914 | ▼ $167,278 |
| Other Assets Total | $457,840 | $2,225,754 | ▲ $1,767,914 |
| Liabilities | |||
| Other Liabilities | $123,104,229 | $124,148,562 | ▲ $1,044,333 |
| Accounts Payable and Accrued Expenses | $1,853,603 | $489,391 | ▼ $1,364,212 |
| Total Liabilities | $124,957,832 | $124,637,953 | ▼ $319,879 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,383,360 | $12,535,961 | ▲ $152,601 |
| Total Liabilities and Net Assets / Fund Balance | $137,341,192 | $137,173,914 | ▼ $167,278 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $907,285 | $1,787,691 | $2,694,976 |
| Equipment | $66,890 | $2,339,092 | $2,405,982 |
| Land | $880,000 | - | $880,000 |
| Leasehold Improvements | $31,924 | $475,421 | $507,345 |
| Investment Program Related Org | $2,482,182 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Stephanie Huber | CEO | FT | $157,412 | $1,208,508 | $1,365,920 |
| Avo Mkhitaryan | COO | FT | $115,554 | $13,797 | $129,351 |
| Don Turner | VP/risk Management | FT | $84,625 | $13,718 | $98,343 |
| Lisa Collins | VP/internal Control | FT | $85,231 | $3,820 | $89,051 |
| Jeff Parong | CFO (former) | FT | $28,453 | - | $28,453 |
Board Members and Trustees
| Name | Title |
|---|---|
| Ted Khodaverdian | Chairman |
| David Jaffe | Supv Cmte Chairman |
| Quoc Nguyen | Vice Chairman |
| Richard P Bendall | Director |
| Robert R Hill | Director |
| Ronald E Scott Sphr | Director |
| Christopher Anwary | Alternate Member |
| Essam Morcos | Secretary |
| Patrick H Pearce | Supv Cmte Member |
| Paul D Kaduk | Supv Cmte Member |
| Sat Avtar Khalsa | Supv Cmte Member |
| Claudia Rufino | Supv Cmte Secretary |
| Donna Peterson | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $4,130,044
- Investment Income
- $1,118,019
- Other Revenue
- $0
- Change in Net Assets
- $78,743
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $3,069,694 |
| Salaries, Compensation, and Employee Benefits | $2,099,626 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,009,204 |
| Office Expenses | - | - | - | $997,302 |
| Comp Disqual Persons | - | - | - | $471,641 |
| Information Technology | - | - | - | $417,265 |
| Other Employee Benefits | - | - | - | $412,010 |
| Occupancy | - | - | - | $306,756 |
| Fees for Services Other | - | - | - | $234,304 |
| Payroll Taxes | - | - | - | $206,771 |
| Interest | - | - | - | $179,027 |
| Depreciation Depletion | - | - | - | $149,089 |
| Advertising | - | - | - | $107,228 |
| Fees for Services Accounting | - | - | - | $68,900 |
| Fees for Services Legal | - | - | - | $55,454 |
| Travel | - | - | - | $49,282 |
| Fees for Services Management | - | - | - | $26,995 |
| Other Expenses | - | - | - | $15,414 |
| Insurance | - | - | - | $4,053 |
| Total Functional Expenses | $0 | $0 | $0 | $5,169,320 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Total Shares & Deposits | $124,148,562 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
Form 990, Part VI, Section A, Line 6
“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.”
Form 990, Part VI, Section A, Line 7A
“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.”
Form 990, Part VI, Section A, Line 7B
“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.”
Form 990, Part VI, Section B, Line 11
“Each board member shall receive a completed draft of the form 990 for review prior to filing each year.”
Form 990, Part VI, Section B, Line 12C
“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.”
Form 990, Part VI, Section B, Line 15
“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.”
Form 990, Part VI, Section C, Line 19
“Monthly financial statements are posted in the building lobby and are also available upon request.”
Filing and Contact Details
Filer
- Filer Name
- Fiscal Credit Union
- EIN
- 95-1644523
- Phone
- 8185538200
- Address
- 310 EAST COLORADO BLVD, GLENDALE, CA 91205
Signing Officer
- Name
- Stephanie Huber
- Title
- CEO
- Phone
- 8185538272
- Signed
- 2016-08-31
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Stephanie Huber
- Formed
- 1935
- Legal Domicile
- CA
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 47
- Volunteers
- 13
Preparer
- Firm
- Turner Warren Hwang & Conrad Acctcy
- Address
- 100 NORTH FIRST ST STE 202, BURBANK, CA 91502
- Preparer
- Valentino Creus CPA
- Phone
- 8189549700
Supplemental Narrative
Additional Explanations
FORM 990, PART XII, LINE 2C:
“The organization has not changed either its oversight process or selection process during the tax year.”
Financial Statement Notes
PART X, LINE 2:
“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, 2016 and 2015, management has determined that there are no material uncertain tax positions.”
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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/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | SUPV CMTE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SUPV CMTE SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SUPV CMTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | ALTERNATE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | CFO (FORMER) |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP/INTERNAL CONTROL |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | VP/RISK MANAGEMENT |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1935 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 5248063 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 2 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 417265 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 4053 |
| IRS990/InterestGrp/TotalAmt | 0 | 179027 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1118019 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1118019 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 63325964 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 69903425 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 55729219 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 43910831 |
| IRS990/IRPDocumentCnt | 0 | 1597 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4602204 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1996684 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1886099 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 6488303 |
| IRS990/LegalDomicileStateCd | 0 | CA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 12383360 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12535961 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -5130 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 73858 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 306756 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 997302 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 457840 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2225754 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 412010 |
| IRS990/OtherExpensesGrp/Desc | 0 | LOAN SERVICING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 1 | MISC OPERATING EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 2 | PROV FOR LOANS & LEASES |
| IRS990/OtherExpensesGrp/Desc | 3 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 174025 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 146820 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 137780 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 15414 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 123104229 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 124148562 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1009204 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 206771 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 124196 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 126717 |
| IRS990/PrincipalOfficerNm | 0 | STEPHANIE HUBER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER OPERATING INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2804649 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 749360 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 468302 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 2804649 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 857093 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 468302 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 107733 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | ACCOMPLISHMENT OF TARGET GOALS IN CONNECTION WITH PROVISION OF MORTGAGE LOAN PRODUCTS TO EXISTING MEMBERS. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | MEMBER SATISFACTION IN CONNECTION WITH SERVICES PERTAINING TO CHECKING/SAVINGS ACCOUNTS, ATTRACTIVE CD RATES, IRA AND SIMILAR ACCOUNTS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 1420310 |
| IRS990/PYOtherExpensesAmt | 0 | 2763825 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 3746580 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | -169531 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2572596 |
| IRS990/PYTotalExpensesAmt | 0 | 5336421 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5166890 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 78743 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 1 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12383360 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 12535961 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 15526795 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 19000178 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 907285 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1787691 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 2694976 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 66890 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2339092 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 2405982 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 330932 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 1 | 58753956 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 2 | 6696000 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 3 | 1640355 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 4 | 2482182 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | CORP CREDIT UNION CAP |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 1 | NET LOANS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 2 | SHARE CERTIFICATE INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 3 | AMERICAN SHARE INSURANCE FUND |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 4 | OTHER INVESTMENTS |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 1 | F |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 2 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 3 | C |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 4 | F |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 880000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 880000 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 31924 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 475421 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 507345 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 124148562 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | TOTAL SHARES & DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 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, 2016 AND 2015, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1886099 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 69903425 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 124148562 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 157412 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 1201992 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 5300 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 850 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 1202358 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | STEPHANIE HUBER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 1365920 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION HAS A DEFERRED COMPENSATION CONTRACT WITH ITS CEO. THE CONTRACT MATURES AFTER 10 YEARS. THE DEFERRED COMPENSATION PLAN WAS DESIGNED TO INCENTIVIZE KEY EXECUTIVES TO STAY WITH THE CREDIT UNION FOR AT LEAST 10 YEARS. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 4B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 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/SupplementalInformationDetail/ExplanationTxt | 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/SupplementalInformationDetail/ExplanationTxt | 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/SupplementalInformationDetail/ExplanationTxt | 3 | EACH BOARD MEMBER SHALL RECEIVE A COMPLETED DRAFT OF THE FORM 990 FOR REVIEW PRIOR TO FILING EACH YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 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/SupplementalInformationDetail/ExplanationTxt | 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/SupplementalInformationDetail/ExplanationTxt | 6 | MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE BUILDING LOBBY AND ARE ALSO AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XII, LINE 2C: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $137,173,914
- Liabilities
- $124,637,953
- Net assets
- $12,535,961
- Revenue
- $5,248,063
- Expenses
- $5,169,320
- Net income
- $78,743