Civic Intelligence

First Imperial Credit Union

990 • Fiscal year 2016 • EIN 95-1652773

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 04, 2017

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

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

15th percentile

13.18x

Higher debt load relative to revenue than 15% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

71st percentile

15%

Higher net margin than 71% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

87th percentile

$201,618

Higher top officer pay than 87% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

94th percentile

12%

Faster asset growth than 94% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

84th percentile

10%

Faster revenue growth than 84% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$95,364,070

Up $10,421,953 (+12%) from 2015

Net Assets

Up

$9,623,122

Up $787,642 (+8.9%) from 2015

Liabilities

Up

$85,740,948

Up $9,634,311 (+13%) from 2015

Revenue And Expenses
Liabilities / Revenue15th percentileNet Margin71st percentile

Revenue

Up

$6,504,697

Up $613,663 (+10%) from 2015

Expenses

Up

$5,536,428

Up $573,740 (+12%) from 2015

Net Income

Up

$968,269

Up $39,923 (+4.3%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth94th 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

2016

Assets$95,364,070
Liabilities$85,740,948
Net Assets$9,623,122
Open 2016 Filing

Operations Trend

Revenue Growth84th 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

2016

Revenue$6,504,697
Expenses$5,536,428
Net Income$968,269
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 4, 2017
Return Version
2016v3.0
Gross Receipts
$6,504,697
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
Investments Program Related$69,900,522$77,305,908▲ $7,405,386
Rtn Earn Endowment Incm Other Fnds$8,835,480$9,623,122▲ $787,642
Savings and Temporary Cash Investments$7,633,661$8,382,182▲ $748,521
Land, Buildings, and Equipment, Net$3,612,370$4,132,112▲ $519,742
Cash and Non-Interest-Bearing Accounts$2,060,430$2,326,402▲ $265,972
Prepaid Expenses and Deferred Charges$0$102,983▲ $102,983
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$84,942,117$95,364,070▲ $10,421,953
Other Assets Total$1,735,134$3,114,483▲ $1,379,349
Liabilities
Other Liabilities$75,148,155$84,332,140▲ $9,183,985
Accounts Payable and Accrued Expenses$958,482$1,408,808▲ $450,326
Total Liabilities$76,106,637$85,740,948▲ $9,634,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,835,480$9,623,122▲ $787,642
Total Liabilities and Net Assets / Fund Balance$84,942,117$95,364,070▲ $10,421,953

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,348,769$490,994$2,839,763
Equipment$687,844$1,108,993$1,796,837
Land$853,619-$853,619
Leasehold Improvements$241,880$186,633$428,513
Investment Program Related Org$169,702--
Compensation and Service Providers
Top Officer Pay87th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Fidel GonzalezPresident/CEOFT$172,632$28,986$201,618
Cuauhtemoc De La TorreEvp/CFOFT$133,234$27,459$160,693

Board Members and Trustees

NameTitle
Dr Victor JaimeChairperson
Steve EscaleraSupv Cmte Chairperson
Katie LunaVice Chairperson
Josh MercadoBoard Member
Michael CampbellBoard Member
Tuen ChunBoard Member
Don CampbellBoard Secretary
Christopher PetreeBoard Treasurer
Luis HernandezSupv Cmte Member
Richard MoralesSupv Cmte Member

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & Associates INCInformation Processing SolutionsP O BOX 609, Monett, MO 96708$306,946
Cook Security Group INCAtm Services5841 SE INTERNATIONAL WAY, Milwaukee, OR 97222$163,089
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,247,928
Investment Income
$256,769
Other Revenue
$0
Change in Net Assets
$968,269

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,504,697
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$6,504,697
Total Revenue per Form 990
$6,504,697
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,208,775
Salaries, Compensation, and Employee Benefits$2,325,069
Grants and Similar Amounts Paid$2,584
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,485,379
Office Expenses---$663,313
Interest---$373,434
Information Technology---$349,584
Current Officers, Directors, Trustees, and Key Employees---$329,521
Depreciation Depletion---$267,938
Occupancy---$263,774
Pension Plan Contributions---$195,277
Payroll Taxes---$165,519
Fees for Services Other---$151,916
Advertising---$151,914
Other Employee Benefits---$149,373
Insurance---$112,284
Travel---$57,511
Fees for Services Accounting---$46,500
Fees for Services Legal---$41,016
Other Expenses---$10,777
Grants to Domestic Orgs---$2,584
All Other Expenses---$26
Total Functional Expenses$0$0$0$5,536,428

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,536,428
Total Expenses per Audited Statements$5,536,428
Total Expenses per Form 990$5,536,428
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Total Shares and Deposits$84,332,140
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

“First imperial 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. First imperial credit union does not have stockholders.”

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

“The governing body of first imperial 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 11B

“The board reviews the form 990 as part of the monthly packet in the month of 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 determined by analyzing the latest cuna salary report. The ceo then proposes a salary scale for board approval.”

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
2017-10-04
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
69
Volunteers
10

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 XI, LINE 9:

“CHANGE IN OCI -194,721.”

Form 990, Part XI, 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:

“Asc 740-10-65 (fasb interpretation no. 48, accounting for uncertainty in income taxes, an interpretation of sfas no. 109) was issued to create a single model to address accounting uncertainty in tax positions. This standard clarifies the accounting for income taxes by prescribing a minimum recognition threshold a tax position is required to meet before being recognized in the financial statements. This standard also provides guidance on measurement, derecognition, classification, interest and penalties, disclosure and transition. The credit union adopted this standard on january 1, 2009. As a result of the implementation of this standard, the credit union did not recognize any liability for unrecognized tax benefits.”

Raw XML AppendixShowing 400 of 485 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/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt06504697
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0349584
IRS990/InsuranceGrp/TotalAmt0112284
IRS990/InterestGrp/TotalAmt0373434
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0256769
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0256769
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt069900522
IRS990/InvestmentsProgramRelatedGrp/EOYAmt077305908
IRS990/IRPDocumentCnt01278
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01786620
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03612370
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04132112
IRS990/LandBldgEquipCostOrOtherBssAmt05918732
IRS990/LegalDomicileStateCd0CA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0A 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08835480
IRS990/NetAssetsOrFundBalancesEOYAmt09623122
IRS990/NetUnrelatedBusTxblIncmAmt0-48279
IRS990/NetUnrlzdGainsLossesInvstAmt014094
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0263774
IRS990/OfficeExpensesGrp/TotalAmt0663313
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01735134
IRS990/OtherAssetsTotalGrp/EOYAmt03114483
IRS990/OtherChangesInNetAssetsAmt0-194721
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0149373
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN & LE
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
IRS990/OtherExpensesGrp/TotalAmt0362565
IRS990/OtherExpensesGrp/TotalAmt1200980
IRS990/OtherExpensesGrp/TotalAmt2155243
IRS990/OtherExpensesGrp/TotalAmt310777
IRS990/OtherLiabilitiesGrp/BOYAmt075148155
IRS990/OtherLiabilitiesGrp/EOYAmt084332140
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt01485379
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0165519
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0195277
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt00
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0102983
IRS990/PrincipalOfficerNm0FIDEL GONZALEZ
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04183117
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11484790
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2555988
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04183117
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11508823
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2555988
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt024033
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt08526
IRS990/PYInvestmentIncomeAmt0182123
IRS990/PYOtherExpensesAmt02845920
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05708911
IRS990/PYRevenuesLessExpensesAmt0928346
IRS990/PYSalariesCompEmpBnftPaidAmt02108242
IRS990/PYTotalExpensesAmt04962688
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05891034
IRS990/ReconcilationRevenueExpnssAmt0968269
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08835480
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09623122
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07633661
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08382182
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02348769
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0490994
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02839763
IRS990ScheduleD/EquipmentGrp/BookValueAmt0687844
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01108993
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01796837
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05536428
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt020000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt110178000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt262282179
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3757188
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt4750000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt52899769
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt6249070
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt7169702
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2LOANS AND LEASES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOANS TO NATURAL PERSON CREDIT UNIONS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6HELD-TO MATURITY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7PAID-IN CAPITAL AT CORP
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7C
IRS990ScheduleD/LandGrp/BookValueAmt0853619
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0853619
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0241880
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0186633
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0428513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt084332140
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt06504697
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ASC 740-10-65 (FASB INTERPRETATION NO. 48, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES, AN INTERPRETATION OF SFAS NO. 109) WAS ISSUED TO CREATE A SINGLE MODEL TO ADDRESS ACCOUNTING UNCERTAINTY IN TAX POSITIONS. THIS STANDARD CLARIFIES THE ACCOUNTING FOR INCOME TAXES BY PRESCRIBING A MINIMUM RECOGNITION THRESHOLD A TAX POSITION IS REQUIRED TO MEET BEFORE BEING RECOGNIZED IN THE FINANCIAL STATEMENTS. THIS STANDARD ALSO PROVIDES GUIDANCE ON MEASUREMENT, DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, DISCLOSURE AND TRANSITION. THE CREDIT UNION ADOPTED THIS STANDARD ON JANUARY 1, 2009. AS A RESULT OF THE IMPLEMENTATION OF THIS STANDARD, THE CREDIT UNION DID NOT RECOGNIZE ANY LIABILITY FOR UNRECOGNIZED TAX BENEFITS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04132112
IRS990ScheduleD/TotalBookValueProgramRltdAmt077305908
IRS990ScheduleD/TotalExpensesPerForm990Amt05536428
IRS990ScheduleD/TotalLiabilityAmt084332140
IRS990ScheduleD/TotalRevenuePerForm990Amt06504697
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06504697
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05536428
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0172632
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1133234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05775
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount14542
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt05123
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt13982
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08238
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt115447
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt09850
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt13488
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0FIDEL GONZALEZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1CUAUHTEMOC DE LA TORRE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP/CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0201618
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1160693
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FIRST IMPERIAL 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. FIRST IMPERIAL CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE GOVERNING BODY OF FIRST IMPERIAL 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/ExplanationTxt2AT 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/ExplanationTxt3THE BOARD REVIEWS THE FORM 990 AS PART OF THE MONTHLY PACKET IN THE MONTH OF 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 DETERMINED BY ANALYZING THE LATEST CUNA SALARY REPORT. THE CEO THEN PROPOSES A SALARY SCALE FOR BOARD APPROVAL.
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 OCI -194,721.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.
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 11B

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$95,364,070
Liabilities
$85,740,948
Net assets
$9,623,122
Revenue
$6,504,697
Expenses
$5,536,428
Net income
$968,269
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