2012-10-05T16:21:36-05:00 2011-12-31 741650885 PADGETT STRATEMANN & CO LLP 100 NE LOOP 410 SUITE 1100 SAN ANTONIO TX 78216 990 2011-01-01 740879805 FIRSTMARK CREDIT UNION FIRS 2103428484 PO BOX 701650 SAN ANTONIO TX 78270 LEON EWING 2103428484 2012-10-02 1 JOSIE BEHREND P00715390 2108286281 2011 2016-02-24 21:20:13Z LEON EWING PO BOX 701650 SAN ANTONIO TX 78270 50347585 0 X WWW.FIRSTMARKCU.ORG X 1932 TX OUR MAIN OBJECTIVE WAS TO SEEK OPPORTUNITIES TO INVEST IN NEW PRODUCTS, SERVICES, AND APPLICATIONS TO THE CHANGING NEEDS OF FIRSTMARK CREDIT UNION'S EXPANDING MEMBERSHIP WELL INTO THE FUTURE. 1)CASH BACK CHECKING - GIVES MEMBERS $0.10 EVERY TIME THEY USE THEIR DEBIT CARD WITH A SIGNATURE, AS WELL AS REDUCING THE NUMBER OF CHECKING ACCOUNTS OFFERED FROM EIGHT TO TWO TO AVOID CONFUSION AND UNNECESSARY COMPLEXITY.2)ONLINE BANKING - A NEW RELEASE OF ONLINE BANKING WITH ADDED CAPABILITIES THAT MAKE THE ELECTRONIC BANKING EXPERIENCE EASIER. FIRSTMARK ALSO IMPLEMENTED A NEW LENDING PLATFORM FOR MEMBERS TO APPLY FOR LOANS DIRECTLY ONLINE,IMPROVING PROCESSING SPEED AND QUALITY.3)MOBILE BANKING - OUR MOBILE BANKING WEBSITE,MOBILE.FIRSTMARKCU.ORG,TO KEEP PACE WITH THE CONTINUED RISE OF MOBILE DATA PLANS.4)FMCU FINANCIAL GROUP,LLC, - FORMING FMCU FINANCIAL GROUP,LLC, AN INDEPENDENT INSURANCE BROKER OFFERING MYRIAD INSURANCE PRODUCTS CONVENIENTLY AND COST-EFFECTIVELY TO OUR MEMBERS. 9 9 360 12 0 -74234 0 0 45394447 43174337 -171847 176358 0 0 45222600 43350695 59198 46448 0 0 14469668 14644006 0 0 0 29840118 26007519 44368984 40697973 853616 2652722 687961962 723194172 9254972 10665324 678706990 712528848 X FIRSTMARK CREDIT UNION, A MEMBER OWNED AND LOCALLY-CONTROLLED FINANCIAL COOPERATIVE, IS DEDICATED TO MEETING THE FINANCIAL NEEDS OF MEMBERS; PROVIDING EXCELLENCE IN PERSONALIZED SERVICE; OFFERING INNOVATIVE AND COMPREHENSIVE PRODUCTS AND SERVICES; SAFEGUARDING MEMBER INVESTMENTS BY MAINTAINING FINANCIAL STRENGTH; BEING A RESPONSIBLE EMPLOYER BY ADDRESSING THE NEEDS OF EMPLOYERS; AND BEING A RESPONSIBLE CORPORATE CITIZEN IN THE COMMUNITY. 0 0 43174337 MEETING THE FINANCIAL NEEDS OF MEMBERS; PROVIDING EXCELLENCE IN PERSONALIZED SERVICE; OFFERING INNOVATIVE AND COMPREHENSIVE PRODUCTS AND SERVICES; SAFEGUARDING MEMBER INVESTMENTS BY MAINTAINING FINANCIAL STRENGTH; BEING A RESPONSIBLE EMPLOYER BY ADDRESSING THE NEEDS OF EMPLOYERS; AND BEING A RESPONSIBLE CORPORATE CITIZEN IN THE COMMUNITY. 0 0 0 0 0 0 0 0 0 1 1 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 1 0 1 0 0 0 0 0 1 0 0 0 1 18391 0 1 360 1 1 1 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 1 1 1 1 0 0 0 1 1 0 1 1 X ANDREW APPLE 2103428484 2023 GOLD CANYON SAN ANTONIO TX 78232 RONALD CORDES 1.00 X 0 0 0 RODOLFO PENA 1.00 X 0 0 0 JAMES MUIR 1.00 X 0 0 0 KYLE FRIESENHAHN 1.00 X 0 0 0 JOYCE CHAMBERLAIN 1.00 X 0 0 0 REDELL ERVIN 1.00 X 0 0 0 IGNACIO OROZCO JR 1.00 X 0 0 0 DONALD PINSON 1.00 X 0 0 0 CLAIRE COLEMAN 1.00 X 0 0 0 LUCILLE HERNDON 1.00 X 0 0 0 RONALD KYLE 1.00 X 0 0 0 LEON EDWARD EWING 50.00 X 302251 0 109897 JESUS MARTINEZ 50.00 X 156590 0 61751 ANDREW APPLE 50.00 X 152744 0 15930 GREGG THORNE 50.00 X 118830 0 18823 DAWN SLOANS 50.00 X 114491 0 33370 FRED HAGERMAN 50.00 X 120761 0 13610 DONALD JONES 50.00 X 140181 0 26146 BRAD C MELEY 50.00 X 104663 0 6090 1210511 0 285617 8 0 1 0 THE STRUTHOFF COMPANY 13428 WEST AVE SAN ANTONIO TX 782802479 GENERAL CONTRACTOR 1143469 SMITH PROTECTION SECURITY PO BOX 82649 DALLAS TX 75380 SECURITY GUARD 636083 DIEBOLD INC PO BOX 643543 PITTSBURGH PA 152643543 MAINT & REPAIR 567376 ONLINE RESOURCE CORP PO BOX 630139 BALTIMORE MD 21263 TECHNICAL SUPPORT 331161 TALARIS INC PO BOX 116963 ATLANTA GA 303686963 CASH MANAGEMENT SUPPORT 203333 14 PERSONAL LOANS 522100 15452459 15452459 OTHER OPERATING INCOME 522100 11845025 11845025 CREDIT CARD LOANS 522100 5533927 5533927 REAL ESTATE LOANS 522100 5166569 5166569 INVESTMENT INCOME 522100 2853678 2853678 2322679 2322679 43174337 6180281 992967 5963782 1033108 216499 -40141 176358 176358 43350695 43174337 0 176358 41448 5000 1338041 10833069 765117 797019 910760 205540 4156414 1513048 2652423 2434313 322216 5510116 1788601 218656 PROVISION FOR LOAN LOSS 3556039 LOAN SERVICING 1596189 NCUA STABILIZATION EXPE 1516278 ASSOCIATION DUES & SUBS 399264 138422 40697973 11274539 9137266 3127201 2770394 475270241 473079679 1146481 1248038 41627443 19416431 20750272 22211012 149241673 191352605 27151555 23395178 687961962 723194172 6561687 7597639 2693285 3067685 9254972 10665324 X 0 0 0 0 678706990 712528848 678706990 712528848 687961962 723194172 X 2652722 31169136 X X 0 1 1 X 0 4957024 4957024 18259501 5842206 12417295 2087437 972206 1115231 16323481 12602019 3721462 22211012 AVAILABLE FOR SALE - SEC'S 158005338 F CASH ACCOUNTS/CD'S 30763687 C GOV'T SECURITIES 2582097 C MISCELLANEOUS 1483 C 191352605 DIVIDENDS PAYABLE 461233 OTHER LIABILITIES 2606452 3067685 43350695 40697973 2652722 2441 31166695 31169136 33821858 PART XI, LINE 8 - OTHER ADJUSTMENTS: INCREASE IN MEMBERS DEPOSITS 31,166,695. 1 SAN ANTONIO AREA FOUNDATION 110 BROADWAY SUITE 230 SAN ANTONIO TX 78205 746065414 501(C)(3) 10000 N/A N/A SCHOLARSHIPS 1 0 EDUCATOR AWARDS 10 5000 FMV N/A SCHOLARSHIP AWARDS ARE FUNDED BY THE SAN ANTONIO AREA FOUNDATION. TO BEGIN THE PROCESS STUDENTS MUST COMPLETE AN APPLICATION TO APPLY FOR THE SCHOLARSHIP. ONCE THE WINNERS OF THE SCHOLARSHIP ARE SELECTED FIRSTMARK CREDIT UNION PUTS THE SAN ANTONIO AREA FOUNDATION IN TOUCH WITH THE WINNERS. THE WINNERS COMPLETE A FORM TO COORDINATE THE AVAILABLE SCHOLARSHIP FUNDS TO BE APPLIED TO THE SCHOOL OF THEIR CHOICE. 1 X X 0 1 0 LEON EDWARD EWING 302251 0 0 0 0 0 0 0 109897 0 412148 0 0 0 JESUS MARTINEZ 156590 0 0 0 0 0 0 0 61751 0 218341 0 0 0 ANDREW APPLE 152744 0 0 0 0 0 0 0 15930 0 168674 0 0 0 DONALD JONES 140181 0 0 0 0 0 0 0 26146 0 166327 0 0 0 PART I, LINE 4B THE FOLLOWING INDIVIDUALS PARTICIPATE IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: L. EWING; G. THORNE; F. HAGERMAN; J. MARTINEZ; D. SLOANS; A. APPLE; AND D. JONES LEON EWING FMCU - CEO TBLG BOARD MEMBER N/A 0 FORM 990, PART VI, SECTION A, LINE 6 THERE ARE NO CLASSES OF MEMBERS. THERE IS ONLY ONE TYPE OF MEMBER WITH THE SAME RIGHTS. FORM 990, PART VI, SECTION A, LINE 7A ALL MEMBERS HAVE THE RIGHT TO ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING AND ALL MEMBERS HAVE THE RIGHT TO RECEIVE A SHARE OF THE ORGANIZATION'S NET ASSETS UPON THE ORGANIZATION'S DISSOLUTION. FORM 990, PART VI, SECTION B, LINE 11 UPON COMPLETION OF FORM 990, THE CFO AND THE CEO WILL REVIEW IT AND DELIVER IT TO THE GOVERNING BODY FOR FINAL APPROVAL. FORM 990, PART VI, SECTION B, LINE 12B, CONFLICT OF INTEREST POLICY: THE ORGANIZATION HAS A CONFLICT OF INTEREST POLICY FOR EMPLOYEES, BUT DOES NOT REQUIRE THE BOARD OF DIRECTORS TO DISCLOSE ANNUALLY INTERESTS THAT COULD GIVE RISE TO CONFLICTS. THE ORGANIZATION IS IN PROCESS OF IMPLEMENTING A CONFLICT OF INTEREST POLICY FOR THE BOARD OF DIRECTORS FOR FUTURE YEARS. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION SURVEY, BOARD APPROVAL AND WRITTEN EMPLOYMENT CONTRACT. FORM 990, PART VI, SECTION C, LINE 19 FIRSTMARK CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: PRIOR PERIOD ADJUSTMENTS: 2,441. INCREASE IN MEMBERS DEPOSITS 31,166,695. TOTAL TO FORM 990, PART XI, LINE 5: 31,169,136. FORM 990, PART XII, LINE 2, AUDITED FINANCIAL STATEMENTS AND REPORTING: THE FINANCIAL STATEMENTS WERE AUDITED ON A CONSOLIDATED BASIS. FINANCIAL STATEMENTS ARE AUDITED FOR THE FISCAL YEAR ENDING JUNE 30, 2012 AND THE TAX RETURN IS FILED ON A CALENDAR YEAR BASIS. FORM 990, PART XI, LINE 2C, OVERSIGHT COMMITTEE RESPONSIBILITES: THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND SELECTION OF AN INDEPENDENT ACCOUNTANT. AS NOTED PREVIOUSLY, THE ORGANIZATION FINANCIAL STATEMENTS ARE AUDITED FOR THE FISCAL YEAR ENDED JUNE 30, 2012 AND THE TAX RETURN IS FILED ON A CALENDAR YEAR. THIS PROCESS HAS NOT CHANGED FROM PRIOR YEAR. PART X, LINE 32, CHANGE IN NET ASSETS: TOTAL CHANGE IN NET ASSETS IS $33,740,449 WHICH INCLUDES REVENUE LESS EXPENSE INCREASE OF $2,662,157 REPORTED ON FORM 990, PAGE 1; BOOK/TAX DIFFERENCE ON SALE OF ASSETS AND INVESTMENTS OF ($0); PRIOR PERIOD ADJUSTMENT OF $2,441; AND AN INCREASE IN MEMBER DEPOSITS OF $31,075,851. FMCU FINANCIAL GROUP LLC 2023 GOLD CANYON DRIVE SAN ANTONIO TX 78232 273191658 CREDIT UNION SERVICE ORGANIZATION TX FIRSTMARK CREDIT UNION C 950 111930 1.00000 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0