Civic Intelligence

First Imperial Credit Union

990 • Fiscal year 2015 • EIN 95-1652773

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 13, 2016

Organization Profilewww.ficu.com

View Organization Page

1602 W Main StreetEl Centro, CA 92243

(760) 352-1540

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

58th percentile

0.90x

Higher debt load relative to assets than 58% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

13th percentile

12.92x

Higher debt load relative to revenue than 13% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

77th percentile

16%

Higher net margin than 77% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

92nd percentile

$217,312

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 3.7% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

85th percentile

8.7%

Faster asset growth than 85% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

34th percentile

-0.2%

Faster revenue growth than 34% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets58th percentile

Assets

Up

$84,942,117

Up $6,816,659 (+8.7%) from 2014

Net Assets

Up

$8,835,480

Up $1,040,126 (+13%) from 2014

Liabilities

Up

$76,106,637

Up $5,776,533 (+8.2%) from 2014

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin77th percentile

Revenue

Down

$5,891,034

Down $12,037 (-0.2%) from 2014

Expenses

Down

$4,962,688

Down $125,120 (-2.5%) from 2014

Net Income

Up

$928,346

Up $113,083 (+14%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth85th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $56,516,199Liabilities 2010: $51,181,749Net Assets 2010: $5,334,4502010Assets 2011: $67,646,858Liabilities 2011: $61,149,215Net Assets 2011: $6,497,6432011Assets 2012: $67,868,295Liabilities 2012: $61,161,889Net Assets 2012: $6,706,4062012Assets 2013: $73,416,371Liabilities 2013: $66,426,575Net Assets 2013: $6,989,7962013Assets 2014: $78,125,458Liabilities 2014: $70,330,104Net Assets 2014: $7,795,3542014Assets 2015: $84,942,117Liabilities 2015: $76,106,637Net Assets 2015: $8,835,4802015Assets 2016: $95,364,070Liabilities 2016: $85,740,948Net Assets 2016: $9,623,1222016Assets 2017: $108,917,010Liabilities 2017: $98,299,905Net Assets 2017: $10,617,1052017Assets 2018: $122,480,004Liabilities 2018: $111,095,195Net Assets 2018: $11,384,8092018Assets 2019: $127,232,418Liabilities 2019: $114,733,015Net Assets 2019: $12,499,4032019Assets 2020: $158,641,134Liabilities 2020: $143,945,098Net Assets 2020: $14,696,0362020Assets 2021: $181,811,886Liabilities 2021: $162,386,120Net Assets 2021: $19,425,7662021Assets 2022: $184,124,441Liabilities 2022: $161,924,710Net Assets 2022: $22,199,7312022Assets 2023: $195,673,928Liabilities 2023: $171,596,791Net Assets 2023: $24,077,1372023Assets 2024: $219,267,309Liabilities 2024: $192,597,439Net Assets 2024: $26,669,8702024

Highlighted filing

2015

Assets$84,942,117
Liabilities$76,106,637
Net Assets$8,835,480
Open 2015 Filing

Operations Trend

Revenue Growth34th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$15M$10M$5.0M$0Expenses 2010: $3,762,5772010Expenses 2011: $3,789,5412011Revenue 2012: $5,530,728Expenses 2012: $5,024,733Net Income 2012: $505,9952012Revenue 2013: $5,604,951Expenses 2013: $5,283,576Net Income 2013: $321,3752013Revenue 2014: $5,903,071Expenses 2014: $5,087,808Net Income 2014: $815,2632014Revenue 2015: $5,891,034Expenses 2015: $4,962,688Net Income 2015: $928,3462015Revenue 2016: $6,504,697Expenses 2016: $5,536,428Net Income 2016: $968,2692016Revenue 2017: $7,925,727Expenses 2017: $6,887,629Net Income 2017: $1,038,0982017Revenue 2018: $9,432,397Expenses 2018: $8,518,157Net Income 2018: $914,2402018Revenue 2019: $10,565,469Expenses 2019: $9,389,603Net Income 2019: $1,175,8662019Revenue 2020: $9,533,910Expenses 2020: $7,186,477Net Income 2020: $2,347,4332020Revenue 2021: $11,686,350Expenses 2021: $6,723,789Net Income 2021: $4,962,5612021Revenue 2022: $10,509,894Expenses 2022: $8,290,550Net Income 2022: $2,219,3442022Revenue 2023: $13,356,336Expenses 2023: $10,249,149Net Income 2023: $3,107,1872023Revenue 2024: $16,277,716Expenses 2024: $13,966,169Net Income 2024: $2,311,5472024

Highlighted filing

2015

Revenue$5,891,034
Expenses$4,962,688
Net Income$928,346
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 13, 2016
Return Version
2015v2.1
Gross Receipts
$5,895,985
Mission and Program Overview

Mission

A cooperative, organized for the purpose of promoting thrift and savings among its members, creating a source of credit for them at rates of interest approved 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, first imperial credit union conducts its business for the mutual benefit and general welfare of its members with the earnings, savings, benefit, or service of the credit union being distributed to its members.

A cooperative organized for the purpose of promoting thrift and savings among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$52,712,638$56,646,774▲ $3,934,136
Cash and Non-Interest-Bearing Accounts$9,941,484$9,694,094▼ $247,390
Rtn Earn Endowment Incm Other Fnds$7,795,354$8,835,480▲ $1,040,126
Savings and Temporary Cash Investments$5,628,000$7,719,000▲ $2,091,000
Investments in Publicly Traded Securities$4,010,881$4,650,872▲ $639,991
Land, Buildings, and Equipment, Net$1,186,611$3,612,370▲ $2,425,759
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$78,125,458$84,942,117▲ $6,816,659
Other Assets Total$4,645,844$2,619,007▼ $2,026,837
Liabilities
Other Liabilities$69,371,424$75,148,156▲ $5,776,732
Accounts Payable and Accrued Expenses$958,680$958,481▼ $199
Total Liabilities$70,330,104$76,106,637▲ $5,776,533
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,795,354$8,835,480▲ $1,040,126
Total Liabilities and Net Assets / Fund Balance$78,125,458$84,942,117▲ $6,816,659

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,415,732$411,631$2,827,363
Equipment$489,166$670,497$1,159,663
Land$561,120-$561,120
Other Land Buildings$33,228$279,652$312,880
Leasehold Improvements$113,124$165,866$278,990
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Fidel GonzalezPresident/CEOFT$169,850$47,462$217,312
Cuauhtemoc De La TorreEvp/CFOFT$120,466$27,449$147,915

Board Members and Trustees

NameTitle
Josh MercadoBoaRD CHAIRPERSON
Victor JaimeBOARD SECretary/chair
Michael CampbellBOARD TREASURER/vice chair
Tuen CHUNBOARD vice chair/secretary
Christopher PetreeBOARD member
Gilbert OteroBoARD MEMBER
Katie LunaBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Castillo Construction CompanyContractor400 N Imperial Ave Suite 1, Imperial, CA 92251$919,281
Jack Henry & Associates IncIt & MaintenancePO BOX 609, Monett, MO 65708$245,273
Cash Cycle SolutionsData Processing3035-R Horseshoe Lane, Charlotte, NC 28208$109,973
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,708,911
Investment Income
$182,123
Other Revenue
$0
Change in Net Assets
$928,346

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,895,985
Revenue Not Reported on Financial Statements
$-4,951
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$-4,951
Total Revenue per Audited Statements
$5,895,985
Total Revenue per Form 990
$5,891,034
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,845,920
Salaries, Compensation, and Employee Benefits$2,108,242
Grants and Similar Amounts Paid$8,526
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,312,389
Office Expenses---$638,333
Interest---$355,548
Current Officers, Directors, Trustees, and Key Employees---$312,278
Occupancy---$243,484
Depreciation Depletion---$213,150
Pension Plan Contributions---$197,434
Payroll Taxes---$147,395
Other Employee Benefits---$138,746
Fees for Services Other---$133,406
Advertising---$129,747
Other Expenses---$125,557
Insurance---$122,939
All Other Expenses---$120,547
Fees for Services Accounting---$43,895
Fees for Services Legal---$28,922
Grants to Domestic Orgs---$8,526
Total Functional Expenses$0$0$0$4,962,688

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$4,967,639
Expenses per Audited Statements$4,962,688
Total Expenses per Form 990$4,962,688
Expenses Not Reported on Form 990$4,951
Expenses Not Reported on Financial Statements$0
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$75,148,156
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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

“The organization consists of members.”

Form 990, Part VI, Section A, line 7A

“The governing board of First Imperial Credit Union is comprised of volunteer members who are directly elected by members of the credit union. Each member of the governing board serves for a period as described by our by-laws.”

Form 990, Part VI, Section A, line 7B

“At the end of each term of the board, elections are held and board members are voted on 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

“A copy of Form 990 was sent to the board of directors for review prior to its filing.”

Form 990, Part VI, Section B, line 12C

“The board, staff and management of the organization review the conflict of interest policy and acknowledge compliance on an annual basis.”

Form 990, Part VI, Section B, line 15

“Compensation for the CEO, officers, and key employees is recommended by an outside consultant. CEO compensation is approved by the Board.”

Form 990, Part VI, Section C, line 19

“The financial statements for the credit union are available on a monthly basis and posted within the branch. Financial statements are also posted to a secure website available to the governing board members.”

Filing and Contact Details

Filer

Filer Name
First Imperial Credit Union
EIN
95-1652773
Phone
7603521540
Address
1602 W Main Street, El Centro, CA 92243

Signing Officer

Name
Fidel Gonzalez
Title
CEO
Phone
7603521540
Signed
2016-07-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Fidel Gonzalez
Formed
1942
Legal Domicile
CA
Voting Board Members
7
Independent Board Members
7
Employees
60
Volunteers
7

Preparer

Firm
Moss Adams LLP
Address
805 SW Broadway Ste 1200, Portland, OR 97205
Preparer
Wendy Campos
Phone
5032421447
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in other comprehensive income 92,995.”

Financial Statement Notes

Part X, Line 2:

“The credit union is state chartered and federally tax-exempt under the internal revenue code 501(c)(14), except to the extent of unrelated business income. A tax-exempt organization and unrelated business income tax return is filed annually with the internal revenue service and in california. The credit union has had no unrecognized tax benefits which would require recognition as of december 31, 2015 or 2014. In addition, the credit union recognizes interest accrued and penalties related to unrecognized tax benefits as an administrative expense. During the years ended december 31, 2015 and 2014, the credit union recognized no interest and penalties for income taxes. With few exceptions, the credit union is no longer subject to u.s. Federal or state/local income tax examinations by tax authorities for years before 2011.”

Part XI, Line 4B - Other Adjustments:

“gain/loss included in expense for book -4,951.”

Part XII, Line 2D - Other Adjustments:

“gain/loss included in expense for book 4,951.”

Raw XML AppendixShowing 400 of 434 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/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt04010881
IRS990/InvestmentsPubTradedSecGrp/EOYAmt04650872
IRS990/IRPDocumentCnt01033
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01527646
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01186611
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03612370
IRS990/LandBldgEquipCostOrOtherBssAmt05140016
IRS990/LegalDomicileStateCd0CA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt04951
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0See Schedule OA cooperative organized for the purpose of promoting thrift and savings among its members, creating a source of credit for members 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, First Imperial Credit Union conducts business for the mutual benefit and general welfare of its members with the earnings, savings, benefits, or services of the credit union being distributed to its members.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt07795354
IRS990/NetAssetsOrFundBalancesEOYAmt08835480
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-4951
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-4951
IRS990/NetUnrelatedBusTxblIncmAmt0-15531
IRS990/NetUnrlzdGainsLossesInvstAmt018785
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0243484
IRS990/OfficeExpensesGrp/TotalAmt0638333
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04645844
IRS990/OtherAssetsTotalGrp/EOYAmt02619007
IRS990/OtherChangesInNetAssetsAmt092995
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0138746
IRS990/OtherExpensesGrp/Desc0UBI TAXES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt08510
IRS990/OtherExpensesGrp/TotalAmt1345905
IRS990/OtherExpensesGrp/TotalAmt2335977
IRS990/OtherExpensesGrp/TotalAmt3125557
IRS990/OtherLiabilitiesGrp/BOYAmt069371424
IRS990/OtherLiabilitiesGrp/EOYAmt075148156
IRS990/OtherSalariesAndWagesGrp/TotalAmt01312389
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt052712638
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt056646774
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0147395
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0197434
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0FIDEL GONZALEZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03803879
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11528819
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2290962
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03803879
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11614070
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2290962
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt085251
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt06654
IRS990/PYInvestmentIncomeAmt0375974
IRS990/PYOtherExpensesAmt03100913
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05527097
IRS990/PYRevenuesLessExpensesAmt0815263
IRS990/PYSalariesCompEmpBnftPaidAmt01980241
IRS990/PYTotalExpensesAmt05087808
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05903071
IRS990/ReconcilationRevenueExpnssAmt0928346
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07795354
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08835480
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05628000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07719000
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02415732
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0411631
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02827363
IRS990ScheduleD/EquipmentGrp/BookValueAmt0489166
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0670497
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01159663
IRS990ScheduleD/ExpensesNotReportedAmt04951
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt04962688
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0561120
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0561120
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0113124
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0165866
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0278990
IRS990ScheduleD/OtherExpensesIncludedAmt04951
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt033228
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0279652
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0312880
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt075148156
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0-4951
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0-4951
IRS990ScheduleD/RevenueSubtotalAmt05895985
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS STATE CHARTERED AND FEDERALLY TAX-EXEMPT UNDER THE INTERNAL REVENUE CODE 501(C)(14), EXCEPT TO THE EXTENT OF UNRELATED BUSINESS INCOME. A TAX-EXEMPT ORGANIZATION AND UNRELATED BUSINESS INCOME TAX RETURN IS FILED ANNUALLY WITH THE INTERNAL REVENUE SERVICE AND IN CALIFORNIA. THE CREDIT UNION HAS HAD NO UNRECOGNIZED TAX BENEFITS WHICH WOULD REQUIRE RECOGNITION AS OF DECEMBER 31, 2015 OR 2014. IN ADDITION, THE CREDIT UNION RECOGNIZES INTEREST ACCRUED AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS AS AN ADMINISTRATIVE EXPENSE. DURING THE YEARS ENDED DECEMBER 31, 2015 AND 2014, THE CREDIT UNION RECOGNIZED NO INTEREST AND PENALTIES FOR INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL OR STATE/LOCAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2011.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1gain/loss included in expense for book -4,951.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2gain/loss included in expense for book 4,951.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X, Line 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XI, Line 4b - Other Adjustments:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XII, Line 2d - Other Adjustments:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03612370
IRS990ScheduleD/TotalExpensesPerForm990Amt04962688
IRS990ScheduleD/TotalLiabilityAmt075148156
IRS990ScheduleD/TotalRevenuePerForm990Amt05891034
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt05895985
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04967639
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0169850
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt039880
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt07582
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0FIDEL GONZALEZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0217312
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION CONSISTS OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The governing board of First Imperial Credit Union is comprised of volunteer members who are directly elected by members of the credit union. Each member of the governing board serves for a period as described by our by-laws.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2At the end of each term of the board, elections are held and board members are voted on 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/ExplanationTxt3A copy of Form 990 was sent to the board of directors for review prior to its filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The board, staff and management of the organization review the conflict of interest policy and acknowledge compliance on an annual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation for the CEO, officers, and key employees is recommended by an outside consultant. CEO compensation is approved by the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The financial statements for the credit union are available on a monthly basis and posted within the branch. Financial statements are also posted to a secure website available to the governing board members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7CHANGE IN OTHER COMPREHENSIVE INCOME 92,995.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, line 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0CA
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt078125458
IRS990/TotalAssetsEOYAmt084942117
IRS990/TotalAssetsGrp/BOYAmt078125458
IRS990/TotalAssetsGrp/EOYAmt084942117
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt060
IRS990/TotalFunctionalExpensesGrp/TotalAmt04962688
IRS990/TotalGrossUBIAmt085251
IRS990/TotalLiabilitiesBOYAmt070330104
IRS990/TotalLiabilitiesEOYAmt076106637
IRS990/TotalLiabilitiesGrp/BOYAmt070330104
IRS990/TotalLiabilitiesGrp/EOYAmt076106637
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07795354
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08835480
IRS990/TotalOtherCompensationAmt074911
IRS990/TotalProgramServiceRevenueAmt05708911
IRS990/TotalReportableCompFromOrgAmt0290316
IRS990/TotalRevenueGrp/ExclusionAmt0182123
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05623660
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05891034
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt085251
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt078125458
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt084942117
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01602 W Main Street
IRS990/USAddress/CityNm0El Centro

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$84,942,117
Liabilities
$76,106,637
Net assets
$8,835,480
Revenue
$5,891,034
Expenses
$4,962,688
Net income
$928,346
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$219$193$26.7$16.3$14.0$2.31
2023Detailed filing. Detailed filing data is available for this year.$196$172$24.1$13.4$10.2$3.11
2022Detailed filing. Detailed filing data is available for this year.$184$162$22.2$10.5$8.29$2.22
2021Detailed filing. Detailed filing data is available for this year.$182$162$19.4$11.7$6.72$4.96
2020Detailed filing. Detailed filing data is available for this year.$159$144$14.7$9.53$7.19$2.35
2019Detailed filing. Detailed filing data is available for this year.$127$115$12.5$10.6$9.39$1.18
2018Detailed filing. Detailed filing data is available for this year.$122$111$11.4$9.43$8.52$0.91
2017Detailed filing. Detailed filing data is available for this year.$109$98.3$10.6$7.93$6.89$1.04
2016Detailed filing. Detailed filing data is available for this year.$95.4$85.7$9.62$6.50$5.54$0.97
2015Detailed filing. Detailed filing data is available for this year.$84.9$76.1$8.84$5.89$4.96$0.93
2014Detailed filing. Detailed filing data is available for this year.$78.1$70.3$7.80$5.90$5.09$0.82
2013Detailed filing. Detailed filing data is available for this year.$73.4$66.4$6.99$5.60$5.28$0.32
2012Summary only. Only limited summary data is available for this year.$67.9$61.2$6.71$5.53$5.02$0.51
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.6$61.1$6.50$3.79
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$56.5$51.2$5.33$3.76