Civic Intelligence

First Financial Credit Union

990 • Fiscal year 2015 • EIN 95-2653867

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 30, 2016

Organization ProfileWWW.FFCU.ORG

View Organization Page

1600 West Cameron AvenueWest Covina, CA 91793-0090

(626) 814-4611

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

30th percentile

16.45x

Higher debt load relative to revenue than 30% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

19th percentile

7.3%

Higher net margin than 19% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

66th percentile

$471,790

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

39th percentile

4.8%

Faster asset growth than 39% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

46th percentile

5.1%

Faster revenue growth than 46% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$446,890,374

Up $20,397,976 (+4.8%) from 2014

Net Assets

Up

$38,436,778

Up $1,148,168 (+3.1%) from 2014

Liabilities

Up

$408,453,596

Up $19,249,808 (+4.9%) from 2014

Revenue And Expenses
Liabilities / Revenue30th percentileNet Margin19th percentile

Revenue

Up

$24,832,763

Up $1,193,977 (+5.1%) from 2014

Expenses

Up

$23,027,705

Up $1,828,451 (+8.6%) from 2014

Net Income

Down

$1,805,058

Down $634,474 (-26%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth39th percentile

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

$600M$400M$200M$0Assets 2010: $521,128,067Liabilities 2010: $489,258,649Net Assets 2010: $31,869,4182010Assets 2011: $448,446,642Liabilities 2011: $418,200,637Net Assets 2011: $30,246,0052011Assets 2012: $420,685,691Liabilities 2012: $388,869,920Net Assets 2012: $31,815,7712012Assets 2013: $420,950,012Liabilities 2013: $386,161,070Net Assets 2013: $34,788,9422013Assets 2014: $426,492,398Liabilities 2014: $389,203,788Net Assets 2014: $37,288,6102014Assets 2015: $446,890,374Liabilities 2015: $408,453,596Net Assets 2015: $38,436,7782015Assets 2016: $510,745,803Liabilities 2016: $469,267,899Net Assets 2016: $41,477,9042016Assets 2017: $518,254,298Liabilities 2017: $476,743,542Net Assets 2017: $41,510,7562017

Highlighted filing

2015

Assets$446,890,374
Liabilities$408,453,596
Net Assets$38,436,778
Open 2015 Filing

Operations Trend

Revenue Growth46th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $33,624,5422010Expenses 2011: $32,163,4902011Expenses 2012: $24,322,2992012Revenue 2013: $25,034,345Expenses 2013: $22,122,300Net Income 2013: $2,912,0452013Revenue 2014: $23,638,786Expenses 2014: $21,199,254Net Income 2014: $2,439,5322014Revenue 2015: $24,832,763Expenses 2015: $23,027,705Net Income 2015: $1,805,0582015Revenue 2016: $28,204,353Expenses 2016: $25,173,734Net Income 2016: $3,030,6192016Revenue 2017: $2,194,957Expenses 2017: $2,166,505Net Income 2017: $28,4522017

Highlighted filing

2015

Revenue$24,832,763
Expenses$23,027,705
Net Income$1,805,058
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 30, 2016
Return Version
2015v2.1
Gross Receipts
$24,868,885
Mission and Program Overview

Mission

To be a progressive financial organization offering competitive financial & related products and services to meet evolving member needs with an emphasis on high quality service delivery, while maintaining a level of earnings that promotes financial security within a challenging, rewarding, and results oriented environment for employees.

To be a progressive financial organization offering products and services to meet member needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$320,393,574$383,250,419▲ $62,856,845
Rtn Earn Endowment Incm Other Fnds$37,288,610$38,436,778▲ $1,148,168
Investments Other Securities$44,428,450$14,695,508▼ $29,732,942
Accounts Receivable$8,244,378$11,319,527▲ $3,075,149
Land, Buildings, and Equipment, Net$5,725,760$7,365,203▲ $1,639,443
Cash and Non-Interest-Bearing Accounts$6,952,143$6,923,192▼ $28,951
Savings and Temporary Cash Investments$28,038,865$5,274,990▼ $22,763,875
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$426,492,398$446,890,374▲ $20,397,976
Other Assets Total$12,709,228$18,061,535▲ $5,352,307
Liabilities
Other Liabilities$385,453,107$406,156,833▲ $20,703,726
Accounts Payable and Accrued Expenses$3,750,681$2,296,763▼ $1,453,918
Total Liabilities$389,203,788$408,453,596▲ $19,249,808
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,288,610$38,436,778▲ $1,148,168
Total Liabilities and Net Assets / Fund Balance$426,492,398$446,890,374▲ $20,397,976

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,674,351$10,588,858$12,263,209
Buildings$1,718,633$4,984,545$6,703,178
Leasehold Improvements$890,733$3,784,043$4,674,776
Land$3,081,486-$3,081,486
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carlton MusmannPresident/CEOFT$363,450$108,340$471,790
Dietmar HueschEvp COO/CFOFT$225,626$51,855$277,481
Valerie WilkinsVPFT$157,484$25,407$182,891
Vivian Vega DominguezVPFT$158,433$23,128$181,561
Sandra SarabiaVPFT$158,236$21,412$179,648
Torri ScottVPFT$159,102$14,708$173,810
Sherry JavadVPFT$138,811$32,133$170,944
Cynthia MannsVPFT$153,975$16,254$170,229
Robert ChenAssistant VPFT$147,566$22,481$170,047
Carlo GoVPFT$150,124$16,585$166,709
Kathy TichenorVPFT$142,975$16,027$159,002
John BascoAssistant VPFT$136,091$16,341$152,432
Fred PerezVP/ CLOFT$124,519$26,286$150,805
Dana SimpsonAssistant VPFT$132,915$8,116$141,031

Board Members and Trustees

NameTitle
Asa BertChairperson
James DildaySupervisory Chairperson
Ronald TrotterVice Chairperson
Constance BuceyBoard Member
Knowelle DeckerBoard Member
Shirley BurkhardtBoard Member
Kari McwhirterSupervisory Member
Leroy JordanSupervisory Member
Jim WeidnerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Straight Arrow ConstructionBuilding Repairs And Improvements466 W ARROW HWY STE G, San Dimas, CA 91773$1,631,920
Ing National TrustRetirement PlanPO BOX 3015, New York, NY 10116$557,570
Fiserv SolutionsSystem Maintenance75 REMITTANCE DR, Chicago, IL 60675-6945$426,016
Business Data INCMember Statements Handling & ShippingPO BOX 6081, Inglewood, CA 90312$335,003
Artec Risk Solutions INCWorkman Comp39728 TREASURY CENTER, Chicago, IL 60694$326,414
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$23,802,958
Investment Income
$1,029,805
Other Revenue
$0
Change in Net Assets
$1,805,058
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$13,120,444
Other Expenses$9,883,761
Grants and Similar Amounts Paid$23,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$7,745,669
Current Officers, Directors, Trustees, and Key Employees---$2,748,380
All Other Expenses---$1,952,725
Occupancy---$1,939,159
Other Employee Benefits---$1,271,409
Depreciation Depletion---$1,188,283
Payroll Taxes---$857,479
Office Expenses---$509,147
Pension Plan Contributions---$497,507
Fees for Services Other---$484,411
Other Expenses---$409,072
Advertising---$296,960
Interest---$218,756
Travel---$132,559
Insurance---$124,626
Fees for Services Accounting---$98,684
Fees for Services Legal---$65,133
Grants to Domestic Individuals---$23,500
Conferences and Meetings---$22,492
Total Functional Expenses$0$0$0$23,027,705
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'S SHARES & SAVINGS ACCOUNTS$405,058,647
Interest & Dividends Payable$1,098,186
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

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

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

“The governing board of first financial 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

“Management and operational decisions are made by the officers of first financial credit union. However, planning, oversight, and governance decisions are made primarily through the governing board.”

Form 990, Part VI, Section A, Line 8B

“There are no committees with authority to act on behalf of the governing body.”

Form 990, Part VI, Section B, Line 11

“The form 990 will be reviewed by the board during the board meeting before it is filed.”

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

“Ffcu's training department conducts regular training to ensure that all employees of ffcu comply with the policies.”

Form 990, Part VI, Section B, Line 15

“The ceo's compensation is reviewed and approved by the board members. Executive management reviews and approves all compensation related matters. A set compensation policy process is followed in the determination of the compensation of each individual employee.”

Form 990, Part VI, Section C, Line 19

“Documents & policies are available on the first financial website. All documents, policies, and financial statements are available upon request to the public. Financial statements are posted at each branch at the end of each month end closing.”

Filing and Contact Details

Filer

Filer Name
First Financial Credit Union
EIN
95-2653867
Phone
6268144611
Address
1600 WEST CAMERON AVENUE, WEST COVINA, CA 91793-0090

Signing Officer

Name
Dietmar Huesch
Title
Evp/COO/CFO
Phone
6268144611
Signed
2016-06-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dietmar Huesch
Formed
1933
Legal Domicile
CA
Voting Board Members
6
Independent Board Members
6
Employees
192
Volunteers
10

Preparer

Firm
Cliftonlarsonallen Llp
Address
20 E THOMAS RD STE 2300, PHOENIX, AZ 85012
Preparer
Janis Isaacson
Phone
6022662248
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“There has been no change in the oversight process for the audit of the financial statements or the selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal and state income taxes. A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination. For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.”

Raw XML AppendixShowing 400 of 774 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm20JOHN BASCO
IRS990/Form990PartVIISectionAGrp/PersonNm21ROBERT CHEN
IRS990/Form990PartVIISectionAGrp/PersonNm22DANA SIMPSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISORY MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EVP COO/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP
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IRS990/Form990PartVIISectionAGrp/TitleTxt13VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP
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IRS990/Form990PartVIISectionAGrp/TitleTxt17VP
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/ CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP
IRS990/Form990PartVIISectionAGrp/TitleTxt20ASSISTANT VP
IRS990/Form990PartVIISectionAGrp/TitleTxt21ASSISTANT VP
IRS990/Form990PartVIISectionAGrp/TitleTxt22ASSISTANT VP
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IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE A PROGRESSIVE FINANCIAL ORGANIZATION OFFERING COMPETITIVE FINANCIAL & RELATED PRODUCTS AND SERVICES TO MEET EVOLVING MEMBER NEEDS WITH AN EMPHASIS ON HIGH QUALITY SERVICE DELIVERY, WHILE MAINTAINING A LEVEL OF EARNINGS THAT PROMOTES FINANCIAL SECURITY WITHIN A CHALLENGING, REWARDING, AND RESULTS ORIENTED ENVIRONMENT FOR EMPLOYEES.
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IRS990/MoreThan5000KToOrgInd00
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IRS990/OfficeExpensesGrp/TotalAmt0509147
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$446,890,374
Liabilities
$408,453,596
Net assets
$38,436,778
Revenue
$24,832,763
Expenses
$23,027,705
Net income
$1,805,058
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Summary only. Only limited summary data is available for this year.$518$477$41.5$2.19$2.17$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$511$469$41.5$28.2$25.2$3.03
2015Detailed filing. Detailed filing data is available for this year.$447$408$38.4$24.8$23.0$1.81
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$426$389$37.3$23.6$21.2$2.44
2013Detailed filing. Detailed filing data is available for this year.$421$386$34.8$25.0$22.1$2.91
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$421$389$31.8$24.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$448$418$30.2$32.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$521$489$31.9$33.6