FINANCIAL CENTER FIRST CREDIT UNION: Form 990, tax year 2018

View the entire original 990 at ProPublica ↗

Organization: FINANCIAL CENTER FIRST CREDIT UNION (EIN 35-0928620)
Tax period: 2018-01-01 to 2018-12-31
Filed: 2019-06-17
IRS object ID: 201901689349300205
Schema version: 2018v3.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2019-06-17T07:42:25-05:00	ReturnTs
Tax Period End	2018-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BKD LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	201 N Illinois Street	AddressLine1Txt
City	Indianapolis	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46204	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2018-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	350928620	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Financial Center First Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
In Care Of	% MICHAEL J NELSON	InCareOfNm
Business Name Control	FINA	BusinessNameControlTxt
Phone	3179166233	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7101 EAST 56TH STREET	AddressLine1Txt
City	INDIANAPOLIS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46226	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MICHAEL J NELSON	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	3179166233	PhoneNum
Signature	2019-05-15	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MICHAEL J SUMMERS	PreparerPersonNm
PTIN	P00838533	PTIN
Phone	3173834000	PhoneNum
Preparation	2019-05-15	PreparationDt

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	167.68.126.162	IPv4AddressTxt

Field	Value	IRS element (for citing)
Federal Original Submission Id	43033020191685000000	FederalOriginalSubmissionId
Federal Original Submission Id	2019-06-17	FederalOriginalSubmissionIdDt
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	C44189E46EF31EF1FDA18BE45E517D77AFDBAB28	AtSubmissionCreationDeviceId
At Submission Filing Device Id	B77B5E581F806D9CFF6850E50A3C51F547167C74	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2018	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	MICHAEL J NELSON	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7101 EAST 56TH ST	AddressLine1Txt
City	INDIANAPOLIS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46226	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$32,491,562	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FCFCU.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	2015	FormationYr
Legal Domicile State	IN	LegalDomicileStateCd
Activity Or Mission	FINANCIAL CENTER FIRST CREDIT UNION'S MISSION IS TO IMPROVE THE FINANCIAL LIVES OF ITS MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	305	TotalEmployeeCnt
Total Volunteers	32	TotalVolunteersCnt
Total Gross UBI	$507,906	TotalGrossUBIAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$28,979,108	PYProgramServiceRevenueAmt
CY Program Service Revenue	$32,379,408	CYProgramServiceRevenueAmt
PY Investment Income	$43,079	PYInvestmentIncomeAmt
CY Investment Income	$28,200	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$29,022,187	PYTotalRevenueAmt
CY Total Revenue	$32,407,608	CYTotalRevenueAmt
PY Grants And Similar Paid	$27,500	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$22,500	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$10,966,162	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$11,466,543	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$15,257,752	PYOtherExpensesAmt
CY Other Expenses	$17,196,127	CYOtherExpensesAmt
PY Total Expenses	$26,251,414	PYTotalExpensesAmt
CY Total Expenses	$28,685,170	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,770,773	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$3,722,438	CYRevenuesLessExpensesAmt
Total Assets BOY	$542,347,517	TotalAssetsBOYAmt
Total Assets EOY	$560,227,039	TotalAssetsEOYAmt
Total Liabilities BOY	$475,680,045	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$489,901,259	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$66,667,472	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$70,325,780	NetAssetsOrFundBalancesEOYAmt
Mission	FINANCIAL CENTER FIRST CREDIT UNION'S MISSION IS TO IMPROVE THE FINANCIAL LIVES OF ITS MEMBERS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	FINANCIAL CENTER FIRST CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS 62,236 MEMBERS.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	false	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	Yes (true)	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	false	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	Yes (true)	DisregardedEntityInd
Related Entity	false	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	24398	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	305	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (true)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	IN	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	MICHAEL J NELSON	PersonNm
Phone	3179166233	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7101 EAST 56TH ST	AddressLine1Txt
City	INDIANAPOLIS	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46226	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (25 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
BILL STEVENS
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
CINDY COOK
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
JEANNE LUGO
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
JIM BENOIT
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
JOHN KENEIPP
BOARD CHAIR	5.0	5.0	Yes (X)	$7,200	$0	$0	Yes (X)
LARRY MARCUM
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
RAYMOND BATTEY
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
RUSS DOWDEN
BOARD MEMBER	5.0	5.0	Yes (X)	$6,000	$0	$0
THOMAS SPAHR
BOARD MEMBER	5.0	0.0	Yes (X)	$6,000	$0	$0
JAMES RYAN
CEO	40.0	10.0		$370,724	$0	$195,841	Yes (X)
MICHAEL NELSON
CFO	40.0	0.0		$204,652	$0	$18,379	Yes (X)
DANIEL KAVANAUGH
SR VP CHIEF SALES/MKT OFFICER	40.0	5.0		$195,473	$0	$21,884	Yes (X)
CAMERON MINGES
CHIEF STRATEGY OFFICER	40.0	5.0		$185,429	$0	$6,102	Yes (X)
BRIAN WILSON
VP OF FINANCE	40.0	0.0		$126,923	$0	$6,537	Yes (X)
DUSTY SIMMONS
VP OF MEMBERSHIP DEVELOPMENT	40.0	0.0		$103,039	$0	$7,725	Yes (X)
EDWARD VALASEK
VP OF INFORMATION TECHNOLOGY	40.0	0.0		$154,984	$0	$8,513	Yes (X)
JENNIFER RUE
VP OF ERM	40.0	0.0		$125,710	$0	$4,370	Yes (X)
SVEN LEANDER
SR VP CHIEF OPERATIONS OFFICER	40.0	0.0		$138,242	$0	$16,322	Yes (X)
GINA JOHNSON
VP OF HUMAN RESOURCES	40.0	0.0		$101,180	$0	$7,262	Yes (X)
DEWEY WILLIAMS
VP OF LENDING	40.0	0.0		$95,062	$0	$9,715	Yes (X)
GABRIEL ARELLANO
MANAGING DIRECTOR OF E SERVICE	40.0	0.0		$116,191	$0	$13,397		Yes (X)
JOAN KERULIS
DIRECTOR OF INTERNAL AUDIT	40.0	0.0		$104,781	$0	$9,752		Yes (X)
JOHN OSBORN II
DIRECTOR OF APPLICATION DEV	40.0	0.0		$113,720	$0	$5,623		Yes (X)
MARLA TACKETT
DIRECTOR OF STRATEGIC DEV	40.0	0.0		$107,351	$0	$3,694		Yes (X)
JOE PERRIN
COMMERCIAL LENDING MANAGER	40.0	0.0		$101,561	$0	$9,279		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,400,222	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$344,395	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	16	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
75 REMITTANCE DRIVE SUITE 1649	CHICACO	IL	606756943	DATA PROCESSING	$1,092,506
STAR SYSTEMS INC
1100 CARR RD FC 88-1-3-90	WILMINGTON	DE	19809	DEBIT CARD PROCESS	$820,818
SWBC
AP ACCOUNT SERVICES LLC PO BOX 7950	SAN ANTONIO	TX	78279	COLLECTION SERVICES	$332,346
PSCU FINANCIAL SERVICES
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CRD PROCESS	$514,595
VISA - FINANCIAL CENTER
PO BOX 660493	DALLAS	TX	752660493	CREDIT CRD PROCESS	$332,346

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	10	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
FEES AND OTHER CHARGES	522100	$5,242,196	$5,173,116	$69,080
INTERCHANGE INCOME	522100	$2,376,097	$2,376,097
INSURANCE COMMISSIONS	524298	$502,465	$366,507	$135,958
INTEREST INCOME	522100	$23,427,429	$23,427,429
INVESTMENT SERVICE FEES	522100	$228,321	$205,945	$22,376

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$602,900	TotalRevenueColumnAmt
Related Or Exempt Func Income	$322,408	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$280,492	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$32,379,408	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Incm From Invest Bond Proceeds IncmFromInvestBondProceedsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$112,154	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$83,954	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$28,200	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$28,200	TotalRevenueColumnAmt
Related Or Exempt Func Income	$28,200	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Fundraising Gross Income	$0	FundraisingGrossIncomeAmt
Fundraising Direct Expenses	$0	FundraisingDirectExpensesAmt

Net Incm From Fundraising Evt NetIncmFromFundraisingEvtGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Gaming Gross Income	$0	GamingGrossIncomeAmt
Gaming Direct Expenses	$0	GamingDirectExpensesAmt

Net Income From Gaming NetIncomeFromGamingGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	$0	GrossSalesOfInventoryAmt
Cost Of Goods Sold	$0	CostOfGoodsSoldAmt

Net Income Or Loss NetIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$32,407,608	TotalRevenueColumnAmt
Related Or Exempt Func Income	$31,899,702	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$507,906	UnrelatedBusinessRevenueAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$22,500	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,266,619	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,903,191	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$414,152	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,216,672	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$665,909	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$261,271	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$73,786	TotalAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$858,150	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,274,763	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$2,640,502	TotalAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$885,794	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$363,745	TotalAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$2,314	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$3,663,058	TotalAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,367,031	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
CREDIT CARD PROCESSING	$415,985
COLLECTION AND LOAN EXPENSES	$428,405
BAD DEBT EXPENSE	$3,203,063
OTHER	$758,260

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$28,685,170	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$20,310,726	BOYAmt
EOY	$22,884,075	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$41,285,401	BOYAmt
EOY	$50,779,389	EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,289,368	BOYAmt
EOY	$1,423,858	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$447,375,077	BOYAmt
EOY	$454,583,606	EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$4,447,052	BOYAmt
EOY	$4,527,969	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$18,677,352	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$12,508,033	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$6,298,140	BOYAmt
EOY	$6,169,319	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$13,127,987	BOYAmt
EOY	$11,481,344	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Intangible Assets IntangibleAssetsGrp

Field	Value	IRS element (for citing)
BOY	$950,007	BOYAmt
EOY	$870,266	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$7,263,759	BOYAmt
EOY	$7,507,213	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$542,347,517	BOYAmt
EOY	$560,227,039	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$3,502,273	BOYAmt
EOY	$3,270,876	EOYAmt

Grants Payable GrantsPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Deferred Revenue DeferredRevenueGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Tax Exempt Bond Liabilities TaxExemptBondLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Escrow Account Liability EscrowAccountLiabilityGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Unsecured Notes Loans Payable UnsecuredNotesLoansPayableGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$472,177,772	BOYAmt
EOY	$486,630,383	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$475,680,045	BOYAmt
EOY	$489,901,259	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$66,667,472	BOYAmt
EOY	$70,325,780	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$66,667,472	BOYAmt
EOY	$70,325,780	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$542,347,517	BOYAmt
EOY	$560,227,039	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$3,722,438	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$64,130	NetUnrlzdGainsLossesInvstAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$5,100	PoliticalExpendituresAmt
Internal Funds Contributed	$5,100	InternalFundsContributedAmt
Total Exempt Function Expend	$5,100	TotalExemptFunctionExpendAmt
Form1120 POL Filed	false	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp (2 entries)

Business Name Line2OrganizationBusinessName/BusinessNameLine2Txt	Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Paid Internal FundsPaidInternalFundsAmt
GREATER GREENWOOD
CHAMBER OF COMMERCE	65 AIRPORT PARKWAY STE 140	GREENWOOD	IN	46143	351606081	$1,900
GREATER LAWRENCE
CHAMBER OF COMMERCE	9120 OTIS AVE	LAWRENCE	IN	46216	351620533	$3,200

Field	Value	IRS element (for citing)
Total Grassroots Lobbying		TotalGrassrootsLobbyingGrp
Total Direct Lobbying		TotalDirectLobbyingGrp
Total Lobbying Expend		TotalLobbyingExpendGrp
Other Exempt Purpose Expend		OtherExemptPurposeExpendGrp
Total Exempt Purpose Expend		TotalExemptPurposeExpendGrp
Lobbying Nontaxable Amount		LobbyingNontaxableAmountGrp
Grassroots Nontaxable		GrassrootsNontaxableGrp
Tot Lbbyng Grassroot Mns Non Tx		TotLbbyngGrassrootMnsNonTxGrp
Tot Lbby Expend Mns Lbbyng Non Tx		TotLbbyExpendMnsLbbyngNonTxGrp

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE C, PART I-C, LINE 2	FormAndLineReferenceDesc
Explanation	DESCRIPTION OF DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: FINANCIAL CENTER FIRST CREDIT UNION CONTRIBUTED $1,900 TO THE GREATER GREENWOOD CHAMBER OF COMMERCE; $3,200 TO THE GREATER LAWRENCE CHAMBER OF COMMERCE.	ExplanationTxt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Art Public Exhibition Amounts		ArtPublicExhibitionAmountsGrp
Held Works Art		HeldWorksArtGrp
CY Minus3 Yr Endwmt Fund		CYMinus3YrEndwmtFundGrp
CY Minus4 Yr Endwmt Fund		CYMinus4YrEndwmtFundGrp

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,048,554	OtherCostOrOtherBasisAmt
Book Value	$1,048,554	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,340,595	OtherCostOrOtherBasisAmt
Depreciation	$3,430,150	DepreciationAmt
Book Value	$2,910,445	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,355,125	OtherCostOrOtherBasisAmt
Depreciation	$1,342,143	DepreciationAmt
Book Value	$12,982	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,933,078	OtherCostOrOtherBasisAmt
Depreciation	$7,735,740	DepreciationAmt
Book Value	$2,197,338	BookValueAmt

Field	Value	IRS element (for citing)
Other Land Buildings		OtherLandBuildingsGrp
Total Book Value Land Buildings	$6,169,319	TotalBookValueLandBuildingsAmt
Federal Income Tax Liability	$0	FederalIncomeTaxLiabilityAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
FIXED BORROWINGS FHLB	$18,000,000
SHARES	$468,630,383

Field	Value	IRS element (for citing)
Total Liability	$486,630,383	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$32,343,478	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	-$64,130	NetUnrealizedGainsInvstAmt
Revenue Not Reported	-$64,130	RevenueNotReportedAmt
Revenue Subtotal	$32,407,608	RevenueSubtotalAmt
Total Revenue Per Form990	$32,407,608	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$28,685,170	TotExpnsEtcAuditedFinclStmtAmt
Expenses Subtotal	$28,685,170	ExpensesSubtotalAmt
Total Expenses Per Form990	$28,685,170	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE D, PART X	FormAndLineReferenceDesc
Explanation	FIN 48 DISCLOSURE: MANAGEMENT HAS EVALUATED THEIR INCOME TAX POSITIONS UNDER THE GUIDANCE INCLUDED IN ASC 740. BASED ON THEIR REVIEW, MANAGEMENT HAS NOT IDENTIFIED ANY MATERIAL UNCERTAIN TAX POSITIONS TO BE RECORDED OR DISCLOSED IN THE FINANCIAL STATEMENTS.	ExplanationTxt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
INDIANA MILITARY VERTERAN'S HALL OF FAME
PO BOX 269098	INDIANAPOLIS	IN	46226	800930419	501(C)(3)	$10,000	GENERAL OPERATING SUPPORT
MOZEL SANDERS FOUNDATION
709 N BELMONT AVE	INDIANAPOLIS	IN	46222	352025644	501(C)(3)	$7,500	GENERAL OPERATING SUPPORT

Field	Value	IRS element (for citing)
Total501c3 Org	2	Total501c3OrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	SCHEDULE I, PART I, LINE 2	FormAndLineReferenceDesc
Explanation	ORGANIZATION'S PROCEDURES FOR MONITORING THE USE OF GRANT FUNDS: FINANCIAL CENTER FIRST CREDIT UNION PROVIDES GENERAL SUPPORT TO SECTION 501(C)(3) TAX EXEMPT ORGANIZATIONS AND VERIFIES THE ORGANIZATIONS STATUS USING THE GUIDESTAR WEBSITE.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
JAMES RYAN
CEO	$314,074	$0	$32,356	$0	$24,294	$0	$181,128	$0	$14,713	$0	$566,565	$0	$0	$0
MICHAEL NELSON
CFO	$179,052	$0	$24,293	$0	$1,307	$0	$6,479	$0	$11,900	$0	$223,031	$0	$0	$0
DANIEL KAVANAUGH
SR VP CHIEF SALES/MKT OFFICER	$155,328	$0	$18,171	$0	$21,974	$0	$5,784	$0	$16,100	$0	$217,357	$0	$0	$0
CAMERON MINGES
CHIEF STRATEGY OFFICER	$167,556	$0	$16,453	$0	$1,420	$0	$6,102	$0	$0	$0	$191,531	$0	$0	$0
EDWARD VALASEK
VP OF INFORMATION TECHNOLOGY	$143,349	$0	$10,779	$0	$856	$0	$5,032	$0	$3,481	$0	$163,497	$0	$0	$0
SVEN LEANDER
SR VP CHIEF OPERATIONS OFFICER	$121,494	$0	$15,824	$0	$924	$0	$1,968	$0	$14,354	$0	$154,564	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
SCHEDULE J, PART I, LINE 1A	TRAVEL FOR COMPANIONS: BOARD MEMBERS AND PRESIDENT/CEO SPOUSES/SIGNIFICANT OTHERS ARE ALLOWED TO TRAVEL WITH BOARD. SPOUSAL AIRFARE/REGISTRATION WAS REPORTED ON FORM 1099-MISC IF MINIMUM REPORTING THRESHOLD MET.
SCHEDULE J, PART I, LINE 4B	SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: INCLUDED IN THE CEO'S DEFERRED COMPENSATION ARE EARNINGS IN THE AMOUNT OF $171,532 IN A NONQUALIFIED 457(F) PLAN.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	CLASSES OF MEMBERS OR STOCKHOLDERS: THERE IS ONE CLASS OF MEMBERS. EACH ELIGIBLE MEMBER RECEIVES A VOTE TO ELECT THE BOARD OF DIRECTORS. THERE WERE 62,236 CREDIT UNION MEMBERS IN 2018.
FORM 990, PART VI, SECTION A, LINE 7A	WHO CAN ELECT MEMBERS OF THE GOVERNING BODY: ALL ELECTIONS OF BOARD MEMBERS ARE DETERMINED BY PLURALITY VOTE. IRRESPECTIVE OF THE NUMBER OF SHARES, NO MEMBER HAS MORE THAN ONE VOTE.
FORM 990, PART VI, SECTION A, LINE 7B	DECISIONS OF GOVERNING BODY SUBJECT TO APPROVAL BY MEMBERS: REGULATORY ITEMS SUCH AS CHANGES TO THE CREDIT UNION CHARTER AND MERGERS ARE SUBJECT TO APPROVAL OF THE MEMBERS.
FORM 990, PART VI, SECTION B, LINE 11B	PROCESS TO REVIEW FORM 990: THE FORM 990 IS REVIEWED BY THE CHIEF FINANCIAL OFFICER AND VP OF FINANCE AND IS SHARED WITH THE BOARD PRIOR TO BEING FILED. THE FORM 990 IS ALSO REVIEWED BY AN INDEPENDENT ACCOUNTING FIRM.
FORM 990, PART VI, SECTION B, LINE 12C	CONFLICT OF INTEREST POLICY: CONFLICT OF INTEREST QUESTIONNAIRES ARE ANNUALLY OBTAINED AND REVIEWED WITH ALL MEMBERS OF THE BOARD OF DIRECTORS, SENIOR EXECUTIVE MANAGEMENT, AND VICE PRESIDENTS. ALL PERSONS IN THESE JOB CLASSIFICATIONS ARE REQUIRED TO COMPLETE A DISCLOSURE FORM WITH REGARD TO ACCOUNTS HELD, ACTIVE LOANS, AND ANY ADDITIONAL OUTSIDE OCCUPATIONS. THESE DOCUMENTS ARE SUBMITTED FOR REVIEW. POLICY INCLUDES STEPS TO AVOID CONFLICT OF INTEREST AND IF CHANGES OCCUR REGARDING POTENTIAL CONFLICTS OF INTEREST, IT IS THE RESPONSIBILITY OF THE DIRECTOR, COMMITTEE MEMBER, OR EMPLOYEE TO REPORT SUCH CHANGES TO THE PROPER CHANNEL.
FORM 990, PART VI, SECTION B, LINE 15A	PROCESS TO DETERMINE PRESIDENT/CEO COMPENSATION: THE PROCESS FOR DETERMINING COMPENSATION WAS DONE USING COMPARABILITY DATA AND AN INTERNAL JOB EVALUATION COMMITTEE. THE SALARY OF THE PRESIDENT/CHIEF EXECUTIVE OFFICER IS THEN APPROVED BY THE BOARD OF DIRECTORS. THE PRESIDENT'S SALARY WAS LAST REVIEWED ON MARCH 18, 2019.
FORM 990, PART VI, SECTION B, LINE 15B	PROCESS TO DETERMINE OFFICER AND KEY EMPLOYEE COMPENSATION: THE PROCESS FOR DETERMINING COMPENSATION WAS DONE USING COMPARABILITY DATA AND AN INTERNAL JOB EVALUATION COMMITTEE.
FORM 990, PART VI, SECTION C, LINE 19	AVAILABILITY OF GOVERNING DOCUMENTS, COI POLICY, & FINANCIAL STATEMENTS: THE ORGANIZATION'S ARTICLES OF INCORPORATION, CODE OF REGULATION, AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Total IncomeTotalIncomeAmt	End Of Year AssetsEndOfYearAssetsAmt	Business Name Line1DirectControllingEntityName/BusinessNameLine1Txt
FINANCIAL CENTER SERVICES LLC
7101 E 56TH ST	INDIANAPOLIS	IN	46226	900185743	INSURANCE	IN	$406,803	$1,288,337	FCFCU
FINANCIAL CENTER ALLIANCE GROUP LLC
7101 E 56TH ST	INDIANAPOLIS	IN	46226	830536175	IT CONSULTING	IN	$98,400	$107,936	FCFCU