{"success":true,"data":{"_id":741212168,"filings":[{"Organization":{"value":null,"Person":["Ron Downing","Rene Tijerina","Keith R Domingue","Rito Garza","Don Mozingo","Cheryl Mc Cullough","Ricardo Yeppez","Randal Ward","Velsie Borja","Jennifer Kilgore","Darrell Storrs","Larry Hook","Nancy Trennel","Jon Hartman","Tricia Smith","Arlie Beckendorf","Bob Schumacher","Sally Moseley","Julie Eisenhauer","Rob Hauck","Doug Wilcher","Martin Miracle"],"Title":["CEO","EVP/COO","EVP/CFO","EVP/CIO","EVP/CLO","EVP/CDO","Mortgage Loan Officer","SR VP Lending","SVP","Senior Vice President","Vice President","Senior Vice President","Chief Marketing Officer","Senior Vice President","Sr VP Accounting","Secretary","Director","Treasurer","Director","Vice Chairman","Chairman","Director"],"Hours":[55.0,55.0,55.0,55.0,55.0,50.0,45.0,50.0,50.0,50.0,45.0,45.0,55.0,50.0,50.0,3.0,3.0,3.0,3.0,3.0,3.0,3.0],"Total Compensation":[990156,330101,323603,264957,260828,251712,171749,166598,162458,157832,147794,144161,143160,142252,137107,12000,11000,11000,11000,11000,10000,9000],"Direct compensation":[990156,330101,323603,264957,260828,251712,171749,166598,162458,157832,147794,144161,143160,142252,137107,12000,11000,11000,11000,11000,10000,9000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans and related products.","year":2019,"name":"FIRST COMMUNITY CREDIT UNION OF HOUSTON","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":455,"Total Gross UBI":137363,"Net unrelated business taxable income":137363,"Number of employees":455,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":81762460,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":75315133,"Total revenue":{"value":75315133,"Interest On Loans":48671672,"Member Fees and Charges":22671278,"Loan Fee Income":2542620,"ATM Income":1429563},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6447327,"Investment income total":6305124,"Net investment gain":142203,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":69164469,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":25811207,"Current officers":2639517,"Disqualified persons":0,"Other salaries and wages":18386018,"Pension plan contributions":1353129,"Other employee benefits":1856605,"Payroll taxes":1575938},"Other expenses":{"value":43353262,"Management services":0,"Legal":98427,"Accounting":102080,"Lobbying services":0,"Investment management fees":0,"Other services":319243,"Advertising":2738027,"Office expenses":4892394,"Information technology":11818670,"Royalties":0,"Occupancy":2268580,"Travel":24434,"Conferences and meetings":150920,"Interest":11968779,"Payments to affiliates":0,"Depreciation and depletion":1827135,"Insurance":312415,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":6832158,"Education":564158,"Loan Losses Provision":6268000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1541379016,"Non-interest bearing cash":70175756,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":6238973,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1156455701,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2342386,"Land, building, equipment":33833077,"Investments publicly traded":0,"Investments other":247088351,"Investments program related":0,"Intangible assets":0,"Other assets":25244772},"Liabilities":{"value":1392071474,"Sum of Total Liabilities":0,"Accounts payable, accrued":29395079,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1362676395},"Fund balance":{"value":149307542,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15408038114313097,"percentile":0.703889535060272},"Liabilities to Assets Ratio":{"score":0.9031337909429539,"percentile":0.06415029177379787},"Operating Reserve Ratio":{"score":22.285705916429432,"percentile":0.9525560404174478},"Officer Compensation Ratio":{"score":0.05594589325915305,"percentile":0.7281561790767196},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08503115798526922,"percentile":0.7267206834775582},"Asset Growth":{"score":0.07332909060724542,"percentile":0.6083493816773283},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6393084649502809,"percentile":0.7146308592761794}},"source_xml":"202022889349301562_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Doug Wilcher","Sally Moseley","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","David Pittman","Rito Garza","Don Mozingo","TJ Tijerina","Velsie Borja","Elgin Weaver","Steve O'Brien","Jill Vinson","Micheal HOSEN"],"Title":["Director","Chairman of the Board","Vice Chairman","Director","Secretary","Director","Treasurer","CEO","EVP/CDO","EVP/CFO","EVP/CLO","EVP/CIO","EVP/CLO","EVP/COO","SVP","VP","VP","VP","VP"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0],"Total Compensation":[0,0,0,0,0,0,0,580826,256651,253451,252323,193753,165789,148798,129244,105387,118689,109707,102570],"Direct compensation":[0,0,0,0,0,0,0,580826,256651,253451,252323,193753,165789,148798,129244,105387,118689,109707,102570],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer loans, real estate loans, business loans and related products.","year":2014,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":466,"Total Gross UBI":301629,"Net unrelated business taxable income":32216,"Number of employees":466,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":53265307,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":50040530,"Total revenue":{"value":50040530,"Interest On Loans":31891651,"Member Fees and Charges":15084057,"Loan Fee Income":2145033,"ATM Income":919789},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3224777,"Investment income total":2873899,"Net investment gain":350878,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":45489620,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":20325535,"Current officers":1702791,"Disqualified persons":0,"Other salaries and wages":14758240,"Pension plan contributions":1241350,"Other employee benefits":1431071,"Payroll taxes":1192083},"Other expenses":{"value":25164085,"Management services":0,"Legal":22131,"Accounting":142590,"Lobbying services":0,"Investment management fees":0,"Other services":186258,"Advertising":2608796,"Office expenses":3759597,"Information technology":6973361,"Royalties":0,"Occupancy":2128818,"Travel":23351,"Conferences and meetings":106103,"Interest":3788994,"Payments to affiliates":0,"Depreciation and depletion":1414095,"Insurance":265743,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3744248,"Education":454120,"Loan Losses Provision":3290128},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1071469235,"Non-interest bearing cash":29108423,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":4609116,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":802725601,"Inventories for sale or use":0,"Prepaid expenses deferred charges":624215,"Land, building, equipment":25814180,"Investments publicly traded":0,"Investments other":183078090,"Investments program related":0,"Intangible assets":0,"Other assets":25509610},"Liabilities":{"value":983825130,"Sum of Total Liabilities":0,"Accounts payable, accrued":13323116,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":970502014},"Fund balance":{"value":87644105,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1459803282463011,"percentile":0.6932562737444207},"Liabilities to Assets Ratio":{"score":0.9182019397878466,"percentile":0.06166947706859511},"Operating Reserve Ratio":{"score":23.55414784735507,"percentile":0.9556852218123586},"Officer Compensation Ratio":{"score":0.05313713326248933,"percentile":0.7415663718586191},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6298501298124721,"percentile":0.6896865700087373}},"source_xml":"201521259349301202_public.xml"},{"Organization":{"value":null,"Person":["MARTIN MIRACLE","SALLY MOSELEY","DR STEVEN WALKER","JULIA EISENHAUER","ROBERT SCHUMACHER","SCOTT CLANTON","DOUG WILCHER","RENE TIJERINA","KEITH DOMINGUE","RANDAL W WARD","RITO GARZA","JENNIFER L KILGORE","SRAVAN M VINJAMURI","ARTHUR GORDON","CATHERINE RIGBY","EDGAR BARRAZA","GEORGE CHEAIRES JR","LARRY HOOK","VELSIE BORJA","LEE STRICKHOUSER","BRIAN TURPEN","WALTER WILKERSON III","DARRELL STORRS","LANCE A MORGAN"],"Title":["CHAIRMAN","VICE CHAIRMAN","TREASURER","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CEO","EVP/CFO","EVP LENDING","EVP","EVP","EVP","EVP","EVP","EVP/CFO","SENIOR VP","SENIOR VP","SENIOR VP","SENIOR VP","VP","SENIOR VP","VP","SENIOR VP"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,45.0,55.0,55.0,55.0,55.0,45.0,45.0,45.0,45.0],"Total Compensation":[17250,15000,15000,15000,15000,15000,15750,888090,566158,399557,381461,382957,361091,304591,294967,248342,214070,250917,231895,217849,345952,207396,202521,206867],"Direct compensation":[17250,15000,15000,15000,15000,15000,15750,823792,506838,358584,333934,337810,321294,254306,253591,248166,193435,221728,203095,172768,322473,183691,179316,171286],"Other compensation":[0,0,0,0,0,0,0,64298,59320,40973,47527,45147,39797,50285,41376,176,20635,29189,28800,45081,23479,23705,23205,35581]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans, retirement investing and related products.","year":2024,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"FCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"EDGAR BARRAZA","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 840129, HOUSTON, TX, 772840129, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":416,"Total Gross UBI":32761,"Net unrelated business taxable income":0,"Number of employees":416,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":167373815,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":139742649,"Total revenue":{"value":139742649,"INTEREST ON LOANS":103645683,"LOAN FEE INCOME":14214608,"ATM INCOME":12787198,"OTHER OPERATING REV.":9095160},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27631166,"Investment income total":25358575,"Net investment gain":2272591,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":156139923,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":35009121,"Current officers":0,"Disqualified persons":4849943,"Other salaries and wages":21344455,"Pension plan contributions":2345884,"Other employee benefits":4265215,"Payroll taxes":2203624},"Other expenses":{"value":121130802,"Management services":0,"Legal":182460,"Accounting":149044,"Lobbying services":0,"Investment management fees":0,"Other services":490226,"Advertising":3220840,"Office expenses":12125116,"Information technology":10634224,"Royalties":0,"Occupancy":3393709,"Travel":291707,"Conferences and meetings":778493,"Interest":64396175,"Payments to affiliates":0,"Depreciation and depletion":5825128,"Insurance":424206,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18626915,"LOAN LOSSES PROVISION":13493611,"EDUCATION":4984836,"ASSOCIATION DUES":148468},"All other expenses":592559},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2554931538,"Non-interest bearing cash":104689679,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":8056609,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1945867670,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14078257,"Land, building, equipment":85786866,"Investments publicly traded":0,"Investments other":346176747,"Investments program related":0,"Intangible assets":0,"Other assets":50275710},"Liabilities":{"value":2373498721,"Sum of Total Liabilities":0,"Accounts payable, accrued":24910416,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":359000000,"Unsecured notes loans payable":0,"Other liabilities":1989588305},"Fund balance":{"value":181432817,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0671185752681804,"percentile":0.5614579637265857},"Liabilities to Assets Ratio":{"score":0.928987209910906,"percentile":0.06014178190953292},"Operating Reserve Ratio":{"score":16.36308952195397,"percentile":0.9324867594844974},"Officer Compensation Ratio":{"score":0.03722738482457174,"percentile":0.821711052298189},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10995185212193276,"percentile":0.7851716099019808},"Asset Growth":{"score":0.09273512936436902,"percentile":0.6644390097977838},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6262955573767013,"percentile":0.6800361092340327}},"source_xml":"202523219349324587_public.xml"},{"Organization":{"value":null,"Person":["Rene Tijerina","Keith R Domingue","Rito Garza","Jennifer Kilgore","Randal Ward","Brian Turpen","George Cheairs","Larry Hook","Arthur Gordon","Velsie Borja","Jon Hartman","Tricia Smith","David Ruggles","Catherine Rigby","Darrell Storrs","Yalni Rodgers","Ariadna Diaz","Lee Strickhouser","Nancy Trennel","Doug Wilcher","Julie Eisenhauer","Sally Moseley","Martin Miracle","Scott Clanton","Bob Schumacher","Steven Walker"],"Title":["CEO","EVP/CFO","EVP","Executive Vice President","Executive VP Lending","VP","Senior Vice President","Senior Vice President","EVP","SVP","SVP","Sr VP Accounting","Senior Mortgage Consultant","SVP","Vice President","Mortgage Loan Officer","Mortgage Loan Officer","SVP","Chief Marketing Officer","Chairman","Secretary","Treasurer","Vice chairman","Director","Director","Director"],"Hours":[55.0,55.0,55.0,55.0,55.0,45.0,50.0,50.0,55.0,50.0,50.0,50.0,40.0,50.0,45.0,45.0,45.0,50.0,55.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[852461,446975,329807,321130,303300,278100,217227,209722,197299,190550,183595,176218,166840,165785,163634,161084,160419,153865,129483,18000,15000,15000,15000,15000,13750,12500],"Direct compensation":[852461,446975,329807,321130,303300,278100,217227,209722,197299,190550,183595,176218,166840,165785,163634,161084,160419,153865,129483,18000,15000,15000,15000,15000,13750,12500],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans, retirement investing and related products.","year":2022,"name":"FIRST COMMUNITY CREDIT UNION OF HOUSTON","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TJ Tijerina","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":524,"Total Gross UBI":160303,"Net unrelated business taxable income":0,"Number of employees":524,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":98421005,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":91666648,"Total revenue":{"value":91666648,"Interest on Loans":56941033,"Member Fees and Charges":29865189,"Loan Fee Income":4118310,"ATM Income":742116},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":6754357,"Investment income total":6752000,"Net investment gain":2357,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":78155153,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":30697929,"Current officers":2684703,"Disqualified persons":0,"Other salaries and wages":22676223,"Pension plan contributions":1865458,"Other employee benefits":1672632,"Payroll taxes":1798913},"Other expenses":{"value":47457224,"Management services":0,"Legal":-21630,"Accounting":127225,"Lobbying services":0,"Investment management fees":0,"Other services":525469,"Advertising":3398091,"Office expenses":7505503,"Information technology":15742276,"Royalties":0,"Occupancy":3376484,"Travel":23062,"Conferences and meetings":246776,"Interest":11171559,"Payments to affiliates":0,"Depreciation and depletion":3335362,"Insurance":323482,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1703565,"Educaton":949736,"Loan Losses Provision":753829},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2224499367,"Non-interest bearing cash":46402151,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":5558800,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1656543452,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4132641,"Land, building, equipment":57156323,"Investments publicly traded":0,"Investments other":405900528,"Investments program related":0,"Intangible assets":0,"Other assets":48805472},"Liabilities":{"value":2072563944,"Sum of Total Liabilities":0,"Accounts payable, accrued":35507885,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":207909000,"Unsecured notes loans payable":0,"Other liabilities":1829147059},"Fund balance":{"value":151935423,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20590982585475529,"percentile":0.7621558288202672},"Liabilities to Assets Ratio":{"score":0.9316990486695876,"percentile":0.05979826558052416},"Operating Reserve Ratio":{"score":28.462606515529437,"percentile":0.9649555530541146},"Officer Compensation Ratio":{"score":0.06284606723244468,"percentile":0.6962936626118961},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07596399380908368,"percentile":0.7004614694173973},"Asset Growth":{"score":0.09061888722989911,"percentile":0.6587734700898025},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6492705397737042,"percentile":0.7398295290580742}},"source_xml":"202343199349308279_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Sally Moseley","Doug Wilcher","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","TJ Tijerina","Rito Garza","Don Mozingo","Randlal Ward","Velsie Borja","Patrick Thomas","Tricia Smith","Jon Hartman","Jill Vinson","Nancy Trennel","Mathew Smith"],"Title":["Chairman","Vice - Chairman","Board Member","Board Member","Treasurer","Chairman","Board member","CEO","EVP/CDO","EVP/CFO","EVP/COO","EVP/CIO","EVP/CLO","SR VP Lending","SVP","VP Commerical Lending","Sr VP Accounting","Senior Vice President","VP Consumer Lending","Senior Vice President Marketing","Vice President"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,50.0,50.0,50.0,50.0,50.0,50.0,50.0,50.0],"Total Compensation":[12000,12000,12000,12000,12000,12000,12000,652896,302362,283742,238676,229633,227748,157512,155683,195422,119586,117266,111616,111413,110227],"Direct compensation":[12000,12000,12000,12000,12000,12000,12000,652896,302362,283742,238676,229633,227748,157512,155683,195422,119586,117266,111616,111413,110227],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans and related products.","year":2017,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":424,"Total Gross UBI":177345,"Net unrelated business taxable income":177345,"Number of employees":424,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":67006805,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":63822671,"Total revenue":{"value":63822671,"Interest on Loans":41174856,"Member Fees and Charges":18839278,"Loan Fee Income":2375702,"ATM Income":1432835},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3184134,"Investment income total":3332123,"Net investment gain":-147989,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":53657109,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":21900766,"Current officers":2019068,"Disqualified persons":0,"Other salaries and wages":15694830,"Pension plan contributions":1224241,"Other employee benefits":1656399,"Payroll taxes":1306228},"Other expenses":{"value":31756343,"Management services":0,"Legal":39178,"Accounting":108278,"Lobbying services":0,"Investment management fees":0,"Other services":162040,"Advertising":1968590,"Office expenses":4007013,"Information technology":10148828,"Royalties":0,"Occupancy":2135013,"Travel":24364,"Conferences and meetings":127710,"Interest":5796822,"Payments to affiliates":0,"Depreciation and depletion":1340198,"Insurance":249467,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5648842,"Education":461842,"Loan Losses Provision Exp":5187000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1355230223,"Non-interest bearing cash":102788982,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":5044564,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1053853065,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1322513,"Land, building, equipment":27725305,"Investments publicly traded":0,"Investments other":139354613,"Investments program related":0,"Intangible assets":0,"Other assets":25141181},"Liabilities":{"value":1237236598,"Sum of Total Liabilities":0,"Accounts payable, accrued":33475212,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1203761386},"Fund balance":{"value":117993625,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.19922895890947195,"percentile":0.7555193645233365},"Liabilities to Assets Ratio":{"score":0.9129346269013955,"percentile":0.06251239280733753},"Operating Reserve Ratio":{"score":25.257235215561092,"percentile":0.9593495409193415},"Officer Compensation Ratio":{"score":0.05773292780272601,"percentile":0.7197895823636771},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07375836158457233,"percentile":0.6936313972783299},"Asset Growth":{"score":0.07880643217164948,"percentile":0.6251713357558413},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6465308142859891,"percentile":0.7330364494079753}},"source_xml":"201841249349301284_public.xml"},{"Organization":{"value":null,"Person":["Rene Tijerina","Keith R Domingue","Randal Ward","Rito Garza","Jennifer Kilgore","Brian Turpen","George Cheairs","Larry Hook","Sravan Vinjamuri","Arthur Gordon","Yalni Rodgers","Catherine Rigby","Velsie Borja","Jessie Rocha","Tricia Smith","Darrell Storrs","Ariadna Diaz","Jill Vinson","Lee Strickhouser","Doug Wilcher","Scott Clanton","Bob Schumacher","Julie Eisenhauer","Sally Moseley","Martin Miracle","Steven Walker"],"Title":["CEO","EVP/CFO","Executive VP Lending","EVP","Executive Vice President","VP","Senior Vice President","Senior Vice President","Executive Vice President","EVP","Mortgage Loan Officer","EVP","SVP","Vice President","Sr VP Accounting","Vice President","Mortgage Loan Officer","Vice President","SVP","Chairman","Director","Director","Director","Secretary","Vice chairman","Treasurer"],"Hours":[55.0,55.0,55.0,55.0,55.0,45.0,50.0,50.0,55.0,55.0,55.0,55.0,50.0,45.0,50.0,45.0,45.0,45.0,50.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[758482,431532,328790,316592,315097,264087,256309,237167,233812,229230,223748,214712,190980,180827,178645,167884,162498,160682,159513,18000,15000,15000,13750,13750,13750,13750],"Direct compensation":[758482,431532,328790,316592,315097,264087,256309,237167,233812,229230,223748,214712,190980,180827,178645,167884,162498,160682,159513,18000,15000,15000,13750,13750,13750,13750],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans, retirement investing and related products.","year":2023,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"TJ Tijerina","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":524,"Total Gross UBI":78705,"Net unrelated business taxable income":78705,"Number of employees":524,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":143513383,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":122408878,"Total revenue":{"value":122408878,"Interest On Loans":88110320,"Member Fees and Charges":29617379,"Loan Fee income":4063624,"ATM Income":617555},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":21104505,"Investment income total":21072964,"Net investment gain":31541,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":131684366,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":33047893,"Current officers":2931248,"Disqualified persons":0,"Other salaries and wages":24297297,"Pension plan contributions":2095106,"Other employee benefits":1797516,"Payroll taxes":1926726},"Other expenses":{"value":98636473,"Management services":0,"Legal":156781,"Accounting":324917,"Lobbying services":0,"Investment management fees":0,"Other services":525469,"Advertising":3312309,"Office expenses":9263863,"Information technology":17420962,"Royalties":0,"Occupancy":3747106,"Travel":26125,"Conferences and meetings":146808,"Interest":50480233,"Payments to affiliates":0,"Depreciation and depletion":3699838,"Insurance":362703,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":9169359,"Education":1186942,"Lon Losses Provision":7982417},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2507984781,"Non-interest bearing cash":60584365,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":6479455,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1940245088,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5104955,"Land, building, equipment":78175026,"Investments publicly traded":0,"Investments other":365268953,"Investments program related":0,"Intangible assets":0,"Other assets":52126939},"Liabilities":{"value":2342706511,"Sum of Total Liabilities":0,"Accounts payable, accrued":45404754,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":370500000,"Unsecured notes loans payable":0,"Other liabilities":1926801757},"Fund balance":{"value":165278270,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0824244871992182,"percentile":0.5915793554051528},"Liabilities to Assets Ratio":{"score":0.9340991734670339,"percentile":0.05950493500023762},"Operating Reserve Ratio":{"score":19.045425491132335,"percentile":0.9428281745155215},"Officer Compensation Ratio":{"score":0.038832149596255035,"percentile":0.8134792510257396},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.09823882939779217,"percentile":0.7598925599080141},"Asset Growth":{"score":0.09552766869354481,"percentile":0.6717174676540242},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6299623648611309,"percentile":0.6899887468619904}},"source_xml":"202413199349314391_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Doug Wilcher","Sally Moseley","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","Rito Garza","Don Mozingo","TJ Tijerina","Velsie Borja","Randlal Ward","Lary Pugh","Jill Vinson","Tricia Smith","Steve O'Brien"],"Title":["Director","Director","Vice Chairman","Director","Secretary","Chairman","Treasurer","CEO","EVP/CDO","EVP/CFO","EVP/CIO","EVP/CLO","EVP/COO","SVP","SR VP Lending","VP Traditional Branch","VP Consumer Lending","Sr Vp Accounting","VP"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0],"Total Compensation":[6000,6000,6000,5500,5500,6000,6000,586837,279420,272156,199782,203478,199609,145967,127894,106962,115789,108651,128836],"Direct compensation":[6000,6000,6000,5500,5500,6000,6000,586837,279420,272156,199782,203478,199609,145967,127894,106962,115789,108651,128836],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer loans, real estate loans, business loans and related products.","year":2015,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":466,"Total Gross UBI":312198,"Net unrelated business taxable income":312198,"Number of employees":466,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":57377254,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":54780444,"Total revenue":{"value":54780444,"Interest On Loans":34472622,"Member Fees and Charges":16560335,"Loan Fee Income":2761571,"ATM Income":985916},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2596810,"Investment income total":2621447,"Net investment gain":-24637,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":50280519,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":22547962,"Current officers":1782280,"Disqualified persons":0,"Other salaries and wages":16065298,"Pension plan contributions":1362593,"Other employee benefits":1956832,"Payroll taxes":1380959},"Other expenses":{"value":27732557,"Management services":0,"Legal":28453,"Accounting":261700,"Lobbying services":0,"Investment management fees":0,"Other services":195856,"Advertising":2143005,"Office expenses":4065936,"Information technology":8531832,"Royalties":0,"Occupancy":2073208,"Travel":23057,"Conferences and meetings":144629,"Interest":3779370,"Payments to affiliates":0,"Depreciation and depletion":1415439,"Insurance":257419,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4812653,"Education":506217,"Loan Losses Provision Expense":4306436},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1151381824,"Non-interest bearing cash":23286594,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":4830107,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":912577570,"Inventories for sale or use":0,"Prepaid expenses deferred charges":752979,"Land, building, equipment":26283546,"Investments publicly traded":0,"Investments other":162041099,"Investments program related":0,"Intangible assets":0,"Other assets":21609929},"Liabilities":{"value":1056875635,"Sum of Total Liabilities":0,"Accounts payable, accrued":21236417,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1035639218},"Fund balance":{"value":94506189,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12368551133520611,"percentile":0.6614357694888946},"Liabilities to Assets Ratio":{"score":0.9179193322058209,"percentile":0.061716999900038184},"Operating Reserve Ratio":{"score":22.8991634712442,"percentile":0.95409557179606},"Officer Compensation Ratio":{"score":0.05004683821978846,"percentile":0.7565521084497694},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06966413846432232,"percentile":0.6803539677326966},"Asset Growth":{"score":0.07740608476461805,"percentile":0.6209247042259128},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6292165555453169,"percentile":0.687974901122574}},"source_xml":"201631249349301128_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Doug Wilcher","Sally Moseley","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","David Pittman","Rito Garica","Don Mozingo","TJ Tijerina","Velsie Borja","Elgin Weaver","Steve O'Brien"],"Title":["Member","Chairman of the Board","Member","Treasurer","Vice Chairman","Secretary","Member","CEO","EVP/CDO","EVP/CFO","EVP/ CLO COO","EVP/CIO","SVP Lending","SVP","SVP","VP","VP"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,50.0,50.0,50.0,50.0,50.0],"Total Compensation":[0,0,0,0,0,0,0,538560,245014,231793,237711,167764,131919,122395,124914,148382,163133],"Direct compensation":[0,0,0,0,0,0,0,538560,245014,231793,237711,167764,131919,122395,124914,148382,163133],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer loans, real estate loans, business loans and related products.","year":2013,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":426,"Total Gross UBI":269952,"Net unrelated business taxable income":17285,"Number of employees":426,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":49920273,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":46160722,"Total revenue":{"value":46160722,"Interest On Loans":28657001,"Member Fees and Charges":14403319,"Loan Fee income":2146066,"ATM Income":954336},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":3759551,"Investment income total":3217517,"Net investment gain":542034,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":42653495,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":19345675,"Current officers":1420842,"Disqualified persons":0,"Other salaries and wages":14532130,"Pension plan contributions":1089908,"Other employee benefits":1110712,"Payroll taxes":1192083},"Other expenses":{"value":23307820,"Management services":0,"Legal":22569,"Accounting":126089,"Lobbying services":0,"Investment management fees":0,"Other services":187094,"Advertising":2346743,"Office expenses":3927516,"Information technology":6584182,"Royalties":0,"Occupancy":2817436,"Travel":24628,"Conferences and meetings":137223,"Interest":3996771,"Payments to affiliates":0,"Depreciation and depletion":840279,"Insurance":266202,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":2031088,"Education":370088,"Loan Losses Provision":1661000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":985802295,"Non-interest bearing cash":23490412,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":4197844,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":683951528,"Inventories for sale or use":0,"Prepaid expenses deferred charges":554385,"Land, building, equipment":26616887,"Investments publicly traded":0,"Investments other":220157515,"Investments program related":0,"Intangible assets":0,"Other assets":26833724},"Liabilities":{"value":907161658,"Sum of Total Liabilities":0,"Accounts payable, accrued":13830937,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":893330721},"Fund balance":{"value":78640637,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1455676734780677,"percentile":0.6927064109961136},"Liabilities to Assets Ratio":{"score":0.9202267661590299,"percentile":0.06135607218881968},"Operating Reserve Ratio":{"score":23.1118761780248,"percentile":0.9546151484794955},"Officer Compensation Ratio":{"score":0.04950555634421048,"percentile":0.7592294584690852},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6309419223611965,"percentile":0.6926357441020018}},"source_xml":"201421339349300742_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Sally Moseley","Doug Wilcher","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","TJ Tijerina","Rito Garza","Don Mozingo","Randal Ward","Velsie Borja","Jennifer Kilgore","Jon Hartman","Tricia Smith","Jill Vinson","Arthur Gordon","Patrick Thomas"],"Title":["Chairman","Vice - Chairman","Board Member","Board Member","Treasurer","Secretary","Board member","CEO","EVP/CDO","EVP/CFO","EVP/COO","EVP/CIO","EVP/CLO","SR VP Lending","SVP","Senior Vice President","Senior Vice President","Sr VP Accounting","VP Consumer Lending","Senior Vice President","VP Commerical Lending"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,50.0,50.0,50.0,50.0,50.0,50.0,50.0,50.0],"Total Compensation":[12000,12000,12000,12000,12000,12000,11000,990435,379104,298617,257977,242853,238880,178682,176547,147114,142135,135915,133958,126149,192037],"Direct compensation":[12000,12000,12000,12000,12000,12000,11000,990435,379104,298617,257977,242853,238880,178682,176547,147114,142135,135915,133958,126149,192037],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans and related products.","year":2018,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":449,"Total Gross UBI":62784,"Net unrelated business taxable income":62784,"Number of employees":449,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":76871635,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":71281761,"Total revenue":{"value":71281761,"Interest on Loans":44977340,"Member fees and Charges":21979581,"Loan Fee Income":2841143,"ATM Income":1483697},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5589874,"Investment income total":5559805,"Net investment gain":30069,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":60000481,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":24313101,"Current officers":2490775,"Disqualified persons":0,"Other salaries and wages":17328223,"Pension plan contributions":1302560,"Other employee benefits":1744189,"Payroll taxes":1447354},"Other expenses":{"value":35687380,"Management services":0,"Legal":170202,"Accounting":160931,"Lobbying services":0,"Investment management fees":0,"Other services":280976,"Advertising":2324439,"Office expenses":5025275,"Information technology":10885983,"Royalties":0,"Occupancy":2251105,"Travel":23504,"Conferences and meetings":134427,"Interest":8131088,"Payments to affiliates":0,"Depreciation and depletion":1322722,"Insurance":254153,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":4722575,"Education":487575,"Loan Losses Provision":4235000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1423471394,"Non-interest bearing cash":105088204,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":5470572,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1097449391,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1777381,"Land, building, equipment":28208880,"Investments publicly traded":0,"Investments other":162725612,"Investments program related":0,"Intangible assets":0,"Other assets":22751354},"Liabilities":{"value":1290002614,"Sum of Total Liabilities":0,"Accounts payable, accrued":32845948,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1257156666},"Fund balance":{"value":133468780,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21947177265060122,"percentile":0.7749746824685291},"Liabilities to Assets Ratio":{"score":0.906237118243066,"percentile":0.0636279503075055},"Operating Reserve Ratio":{"score":23.724333043263435,"percentile":0.9560607074124454},"Officer Compensation Ratio":{"score":0.06205621918264288,"percentile":0.6998833238016026},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.08443689563910708,"percentile":0.7250582401113597},"Asset Growth":{"score":0.07431787062132916,"percentile":0.61146055023134},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6510844756781842,"percentile":0.7443065861155036}},"source_xml":"201931219349300923_public.xml"},{"Organization":{"value":null,"Person":["Ron Downing","Rene Tijerina","Keith R Domingue","Rito Garza","Don Mozingo","Ricardo Yeppez","Nancy Trennel","Randal Ward","Jennifer Kilgore","Velsie Borja","Mack Blankenship","Darrell Storrs","George Cheairs","Jon Hartman","Tricia Smith","Arlie Beckendorf","Bob Schumacher","Sally Moseley","Julie Eisenhauer","Rob Hauck","Doug Wilcher","Martin Miracle"],"Title":["CEO","EVP/COO","EVP/CFO","EVP/CIO","EVP/CLO","Mortgage Loan Officer","Chief Marketing Officer","SR VP Lending","Senior Vice President","SVP","Mortgage Loan Officer","Vice President","Vice President","Senior Vice President","Sr VP Accounting","Secretary","Director","Treasurer","Director","Vice Chairman","Chairman","Director"],"Hours":[55.0,55.0,55.0,55.0,55.0,45.0,55.0,50.0,50.0,50.0,45.0,45.0,45.0,50.0,50.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[986539,381251,347505,264788,260797,224444,173860,168667,165382,162548,156514,154798,153015,145279,138731,12000,12000,12000,12000,12000,12000,10000],"Direct compensation":[986539,381251,347505,264788,260797,224444,173860,168667,165382,162548,156514,154798,153015,145279,138731,12000,12000,12000,12000,12000,12000,10000],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans and related products.","year":2020,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":437,"Total Gross UBI":98477,"Net unrelated business taxable income":98477,"Number of employees":437,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":78841838,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":73462272,"Total revenue":{"value":73462272,"Interest on Loans":48439330,"Member Fees and Charges":20984226,"Loan Fee Income":3483173,"ATM Income":555543},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":5379566,"Investment income total":4825651,"Net investment gain":553915,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":67695355,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":24950839,"Current officers":2496739,"Disqualified persons":0,"Other salaries and wages":18078822,"Pension plan contributions":1318902,"Other employee benefits":1536077,"Payroll taxes":1520299},"Other expenses":{"value":42744516,"Management services":0,"Legal":136904,"Accounting":87296,"Lobbying services":0,"Investment management fees":0,"Other services":378256,"Advertising":2986502,"Office expenses":5994307,"Information technology":12501078,"Royalties":0,"Occupancy":2389307,"Travel":18097,"Conferences and meetings":41740,"Interest":10861202,"Payments to affiliates":0,"Depreciation and depletion":1487097,"Insurance":302814,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5559916,"Education":502916,"Loan Losses Provision":5057000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1792099234,"Non-interest bearing cash":247161172,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":6060887,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1123847303,"Inventories for sale or use":0,"Prepaid expenses deferred charges":2929494,"Land, building, equipment":50719421,"Investments publicly traded":0,"Investments other":340197061,"Investments program related":0,"Intangible assets":0,"Other assets":21183896},"Liabilities":{"value":1626403305,"Sum of Total Liabilities":0,"Accounts payable, accrued":23758860,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1602644445},"Fund balance":{"value":165695929,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.14137776696682286,"percentile":0.6870516697750149},"Liabilities to Assets Ratio":{"score":0.9075408739335469,"percentile":0.06340795237229059},"Operating Reserve Ratio":{"score":26.473001493233916,"percentile":0.9616935976875908},"Officer Compensation Ratio":{"score":0.05858774209840542,"percentile":0.7158844217006984},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0738754825025408,"percentile":0.6939863952891652},"Asset Growth":{"score":0.08034155833243425,"percentile":0.6296958052633335},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6339698041453696,"percentile":0.7007917193542975}},"source_xml":"202142159349301239_public.xml"},{"Organization":{"value":null,"Person":["Bob Schumacher","Doug Wilcher","Sally Moseley","Arlie Beckendorf","Julie Eisenhauer","Jerry Till","Rob Hauck","Ron Downing","Cheryl Mc Cullough","Keith R Domingue","TJ Tijerina","Don Mozingo","Rito Garza","Patrick Thomas","Velsie Borja","Randlal Ward","Jill Vinson","Tricia Smith"],"Title":["Secretary","Vice-Chairman","Chairman","Board Member","Treasurer","Board Member","Board member","CEO","EVP/CDO","EVP/CFO","EVP/COO","EVP/CLO","EVP/CIO","VP Commerical Lending","SVP","SR VP Lending","VP Consumer Lending","Sr Vp Accounting"],"Hours":[2.0,2.0,2.0,2.0,2.0,0.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,50.0,50.0,50.0,50.0,50.0],"Total Compensation":[5500,6000,5500,6000,5500,6000,5000,480665,258125,243491,192125,187822,187025,146023,135434,133125,119839,110708],"Direct compensation":[5500,6000,5500,6000,5500,6000,5000,480665,258125,243491,192125,187822,187025,146023,135434,133125,119839,110708],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans and related products.","year":2016,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"fccu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Ron Downing","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":0,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"PO Box 840129, Houston, TX, 772840129, USA","city":"Houston","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":466,"Total Gross UBI":219167,"Net unrelated business taxable income":219167,"Number of employees":466,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":61775488,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":58932862,"Total revenue":{"value":58932862,"Interest on Loans":37122386,"Member Fees and Charges":18148078,"Loan Fee Income":2292474,"ATM income":1369924},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":2842626,"Investment income total":2717787,"Net investment gain":124839,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":51259703,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":21273898,"Current officers":1588751,"Disqualified persons":0,"Other salaries and wages":15785978,"Pension plan contributions":1100890,"Other employee benefits":1515354,"Payroll taxes":1282925},"Other expenses":{"value":29985805,"Management services":0,"Legal":72646,"Accounting":96115,"Lobbying services":0,"Investment management fees":0,"Other services":190443,"Advertising":1873529,"Office expenses":4021857,"Information technology":9617396,"Royalties":0,"Occupancy":2156926,"Travel":19697,"Conferences and meetings":122898,"Interest":4550287,"Payments to affiliates":0,"Depreciation and depletion":1356962,"Insurance":237690,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":5669359,"Education":418859,"Loan Losses Provision":5250500},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":1248760929,"Non-interest bearing cash":33838684,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":4989216,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1016027867,"Inventories for sale or use":0,"Prepaid expenses deferred charges":975647,"Land, building, equipment":26028109,"Investments publicly traded":0,"Investments other":144504017,"Investments program related":0,"Intangible assets":0,"Other assets":22397389},"Liabilities":{"value":1144112152,"Sum of Total Liabilities":0,"Accounts payable, accrued":28488379,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":1115623773},"Fund balance":{"value":104648777,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17022585074520172,"percentile":0.7238918625000739},"Liabilities to Assets Ratio":{"score":0.9161979090074495,"percentile":0.06199291909811498},"Operating Reserve Ratio":{"score":24.361454630355546,"percentile":0.9574757505619653},"Officer Compensation Ratio":{"score":0.043579690658761716,"percentile":0.7889596673482953},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07138237195115649,"percentile":0.6860437347470542},"Asset Growth":{"score":0.07796345018352425,"percentile":0.6226349077205034},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6438569159586673,"percentile":0.7262699677204726}},"source_xml":"201731399349300623_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["MARTIN MIRACLE","SALLY MOSELEY","DR STEVEN WALKER","JULIA EISENHAUER","ROBERT SCHUMACHER","SCOTT CLANTON","DOUG WILCHER","RENE TIJERINA","KEITH DOMINGUE","RANDAL W WARD","RITO GARZA","JENNIFER L KILGORE","SRAVAN M VINJAMURI","ARTHUR GORDON","CATHERINE RIGBY","EDGAR BARRAZA","GEORGE CHEAIRES JR","LARRY HOOK","VELSIE BORJA","LEE STRICKHOUSER","BRIAN TURPEN","WALTER WILKERSON III","DARRELL STORRS","LANCE A MORGAN"],"Title":["CHAIRMAN","VICE CHAIRMAN","TREASURER","SECRETARY","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","CEO","EVP/CFO","EVP LENDING","EVP","EVP","EVP","EVP","EVP","EVP/CFO","SENIOR VP","SENIOR VP","SENIOR VP","SENIOR VP","VP","SENIOR VP","VP","SENIOR VP"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,55.0,45.0,55.0,55.0,55.0,55.0,45.0,45.0,45.0,45.0],"Total Compensation":[17250,15000,15000,15000,15000,15000,15750,888090,566158,399557,381461,382957,361091,304591,294967,248342,214070,250917,231895,217849,345952,207396,202521,206867],"Direct compensation":[17250,15000,15000,15000,15000,15000,15750,823792,506838,358584,333934,337810,321294,254306,253591,248166,193435,221728,203095,172768,322473,183691,179316,171286],"Other compensation":[0,0,0,0,0,0,0,64298,59320,40973,47527,45147,39797,50285,41376,176,20635,29189,28800,45081,23479,23705,23205,35581]},"Basic":{"value":null,"mission":"First community credit union is a cooperative thrift institution that offers products and services in these primary areas for both consumers and businesses: shares/savings accounts, checking accounts, consumer and commercial loans, real estate loans, business loans, retirement investing and related products.","year":2024,"name":"FIRST COMMUNITY CREDIT UNION","phone":2818565300,"website":"FCCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"EDGAR BARRAZA","year_formation":1952,"state_legal_domicile":"TX","total_volunteers":7,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO BOX 840129, HOUSTON, TX, 772840129, USA","city":"HOUSTON","state":"TX","country":"USA","zip_code":772840129},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":416,"Total Gross UBI":32761,"Net unrelated business taxable income":0,"Number of employees":416,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":167373815,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":139742649,"Total revenue":{"value":139742649,"INTEREST ON LOANS":103645683,"LOAN FEE INCOME":14214608,"ATM INCOME":12787198,"OTHER OPERATING REV.":9095160},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":27631166,"Investment income total":25358575,"Net investment gain":2272591,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":156139923,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":35009121,"Current officers":0,"Disqualified persons":4849943,"Other salaries and wages":21344455,"Pension plan contributions":2345884,"Other employee benefits":4265215,"Payroll taxes":2203624},"Other expenses":{"value":121130802,"Management services":0,"Legal":182460,"Accounting":149044,"Lobbying services":0,"Investment management fees":0,"Other services":490226,"Advertising":3220840,"Office expenses":12125116,"Information technology":10634224,"Royalties":0,"Occupancy":3393709,"Travel":291707,"Conferences and meetings":778493,"Interest":64396175,"Payments to affiliates":0,"Depreciation and depletion":5825128,"Insurance":424206,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":18626915,"LOAN LOSSES PROVISION":13493611,"EDUCATION":4984836,"ASSOCIATION DUES":148468},"All other expenses":592559},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":2554931538,"Non-interest bearing cash":104689679,"Savings and temp cash investments":0,"Pledges and grants receivable":0,"Accounts receivable":8056609,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1945867670,"Inventories for sale or use":0,"Prepaid expenses deferred charges":14078257,"Land, building, equipment":85786866,"Investments publicly traded":0,"Investments other":346176747,"Investments program related":0,"Intangible assets":0,"Other assets":50275710},"Liabilities":{"value":2373498721,"Sum of Total Liabilities":0,"Accounts payable, accrued":24910416,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":359000000,"Unsecured notes loans payable":0,"Other liabilities":1989588305},"Fund balance":{"value":181432817,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0671185752681804,"percentile":0.5614579637265857},"Liabilities to Assets Ratio":{"score":0.928987209910906,"percentile":0.06014178190953292},"Operating Reserve Ratio":{"score":16.36308952195397,"percentile":0.9324867594844974},"Officer Compensation Ratio":{"score":0.03722738482457174,"percentile":0.821711052298189},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.10995185212193276,"percentile":0.7851716099019808},"Asset Growth":{"score":0.09273512936436902,"percentile":0.6644390097977838},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6262955573767013,"percentile":0.6800361092340327}},"source_xml":"202523219349324587_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}