FIRSTMARK CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: FIRSTMARK CREDIT UNION (EIN 74-0879805)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-11-03
IRS object ID: 201113079349301421
Schema version: 2010v3.4
Note: A later return for the same period supersedes this one.
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 D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-11-03T16:00:38-05:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	PADGETT STRATEMANN & CO LLP	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	100 NE LOOP 410 SUITE 1100	AddressLine1
City	SAN ANTONIO	City
State	TX	State
ZIP Code	78216	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	740879805	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	FIRSTMARK CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	FIRS	NameControl
Phone	2103428484	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 701650	AddressLine1
City	SAN ANTONIO	City
State	TX	State
ZIP Code	78270	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	LEON EWING	Name
Title	CEO	Title
Phone	2103428484	Phone
Date Signed	2011-11-03	DateSigned
Authorize Third Party	1	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	JOSIE BEHREND	Name
Phone	2108286281	Phone

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	LEON EWING	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 701650	AddressLine1
City	SAN ANTONIO	City
State	TX	State
ZIP Code	78270	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	55678578	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.FIRSTMARKCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Year Formation	1932	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	IN 2010,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.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	11	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	11	NbrIndependentVotingMembers
Total Nbr Employees	346	TotalNbrEmployees
Total Nbr Volunteers	12	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	-102779	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	49929729	ProgramServiceRevenuePriorYear
Program Service Revenue CY	45394447	ProgramServiceRevenueCY
Investment Income Prior Year	987591	InvestmentIncomePriorYear
Investment Income Current Year	-171847	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	50917320	TotalRevenuePriorYear
Total Revenue Current Year	45222600	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	52023	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	59198	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	13198983	SalariesEtcPriorYear
Salaries Etc Current Year	14469668	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	32754864	OtherExpensePriorYear
Other Expenses Current Year	29840118	OtherExpensesCurrentYear
Total Expenses Prior Year	46005870	TotalExpensesPriorYear
Total Expenses Current Year	44368984	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	4911450	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	853616	RevenuesLessExpensesCY
Total Assets BOY	708154572	TotalAssetsBOY
Total Assets EOY	687961962	TotalAssetsEOY
Total Liabilities BOY	36034164	TotalLiabilitiesBOY
Total Liabilities EOY	9254972	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	672120408	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	678706990	NetAssetsOrFundBalancesEOY
Info In Schedule O Part III	X	InfoInScheduleOPartIII
Mission Description	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.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Revenue	45394447	Revenue
Description	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.	Description
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	0	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	1	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	1	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	1	ReportFin48Footnote
Independent Audit Financial Stmt	0	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	1	GrantsToOrganizations
Grants To Individuals	1	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	1	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	1	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Transaction Related Entity	0	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	19518	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	346	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	1	UnrelatedBusinessIncome
Form990-T Filed	1	Form990-TFiled
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	11	NbrVotingGoverningBodyMembers
Number Independent Voting Members	11	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	0	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	1	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	0	RegularMonitoringEnforcement
Whistleblower Policy	0	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	0	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	ANDREW APPLE	NamePerson
Telephone Number	2103428484	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2023 GOLD CANYON	AddressLine1
City	SAN ANTONIO	City
State	TX	State
ZIP Code	78232	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (18 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
RONALD CORDES
CHAIRMAN	1.00	X	0	0	0
RODOLFO PENA
VICE-CHAIRMAN	1.00	X	0	0	0
JAMES MUIR
SECRETARY/TREASURER	1.00	X	0	0	0
LUCILLE HERNDON
DIRECTOR EMERITUS	1.00	X	0	0	0
JOYCE CHAMBERLAIN
DIRECTOR	1.00	X	0	0	0
REDELL ERVIN
DIRECTOR	1.00	X	0	0	0
IGNACIO OROZCO
DIRECTOR	1.00	X	0	0	0
DONALD PINSON
DIRECTOR	1.00	X	0	0	0
RONALD KYLE
DIRECTOR EMERITUS	1.00	X	0	0	0
KYLE FRIESENHAHN
DIRECTOR	1.00	X	0	0	0
CLAIRE COLEMAN
DIRECTOR	1.00	X	0	0	0
LEON EDWARD EWING
PRESIDENT/CEO	50.00		301319	0	110444	X
JESUS MARTINEZ
EVP/COO	50.00		168246	0	44742	X
ANDREW APPLE
SVP/CFO	50.00		151520	0	14136	X
GREGG THORNE
SVP/CHIEF LENDING OFFICER	50.00		118798	0	17011	X
DAWN SLOANS
SVP/CHRO	50.00		112192	0	29520	X
FRED HAGERMAN
SVP/CHIEF MARKETING OFFICE	50.00		118323	0	10422	X
DONALD JONES
SVP CHIEF INFORMATION OFFICER	50.00		101411	0	642	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1071809	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	226917	TotalOtherCompensation
Number Individuals GT100 K	7	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
SMITH PROTECTION SECURITY
PO BOX 82649	DALLAS	TX	75380	SECURITY GUARD	548091
BRACEWELL & GIULIANI LLP
106 S ST MARYS ST STE 800	SAN ANTONIO	TX	78205	ATTORNEYS	277423
COMPUTER SOLUTIONS
PO BOX 1847	SAN ANTONIO	TX	78297	TECHNICAL SUPPORT	242612
ONLINE RESOURCE CORP
PO BOX 630139	BALTIMORE	MD	21263	TECHNICAL SUPPORT	237890
CUSTOMER STREAM
2101 REXFORD RD STE 300W	CHARLOTTE	NC	28211	CASH MANAGEMENT SUPPORT	180490

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	11	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
PERSONAL LOANS	522100	17199301	17199301
OTHER OPERATING INCOME	522100	11589100	11589100
MEMBERSHIP LOANS	522100	8046231	8046231
REAL ESTATE LOANS	522100	5698517	5698517
INVESTMENT INCOME	522100	3529761	3529761

Total Oth Program Service Revenue TotalOthProgramServiceRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	-668463	TotalRevenueColumn
Related Or Exempt Function Income	-668463	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Program Service Revenue	45394447	TotalProgramServiceRevenue

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	10243513	Securities
Other	40618	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	10452207	Securities
Other	3771	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	-208694	Securities
Other	36847	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-171847	TotalRevenueColumn
Exclusion	-$171,847	ExclusionAmount

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	45222600	TotalRevenueColumn
Related Or Exempt Function Income	45394447	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	-$171,847	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	53698	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	5500	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1298727	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	10588259	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	418579	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1274218	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	889885	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	386763	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	3871365	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1473749	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2987043	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2289050	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	289416	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	7435433	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1620563	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	9873	Total

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	5867665
NCUA STABILIZATION EXPE	1586049
LOAN SERVICING	1529766
ASSOCIATION DUES & SUBS	382694
MISC OPERATING EXPENSE	37157

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	73532	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	44368984	Total

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	9749835	BOY
EOY	11274539	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1871035	BOY
EOY	3127201	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	496197531	BOY
EOY	475270241	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	1047090	BOY
EOY	1146481	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	38195562	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	17445290	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	21341077	BOY
EOY	20750272	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	159009779	BOY
EOY	149241673	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	18938225	BOY
EOY	27151555	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	708154572	BOY
EOY	687961962	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	6864940	BOY
EOY	6561687	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	26395024	BOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	2774200	BOY
EOY	2693285	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	36034164	BOY
EOY	9254972	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	672120408	BOY
EOY	678706990	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	672120408	BOY
EOY	678706990	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	708154572	BOY
EOY	687961962	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	853616	ReconcilationRevenueExpenses
Reconcilation Other Changes	5732966	ReconcilationOtherChanges
Info In Schedule O Part XII	X	InfoInScheduleOPartXII
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited
Audit Committee	1	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3895470	OtherCostOrOtherBasis
Book Value	3895470	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	17369962	OtherCostOrOtherBasis
Depreciation	5382522	Depreciation
Book Value	11987440	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2081029	OtherCostOrOtherBasis
Depreciation	788812	Depreciation
Book Value	1292217	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	14849101	OtherCostOrOtherBasis
Depreciation	11273956	Depreciation
Book Value	3575145	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	20750272	TotalOfBookValueLandBuildings

Other Securities OtherSecurities (4 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
AVAILABLE FOR SALE - SEC'S	111426699	F
CASH ACCOUNTS/CD'S	34459497	C
GOV'T SECURITIES	3354224	C
MISCELLANEOUS	1253	C

Field	Value	IRS element (for citing)
Total Of Book Value Securities	149241673	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
DIVIDENDS PAYABLE	$516,540
OTHER LIABILITIES	$2,176,745

Field	Value	IRS element (for citing)
Total Of Amounts	2693285	TotalOfAmounts
Total Revenue	45222600	TotalRevenue
Total Expenses	44368984	TotalExpenses
Excess Or Deficit For Year	853616	ExcessOrDeficitForYear
Other	$5,732,966	OtherAmount
Total Adjustments	5732966	TotalAdjustments
Excess Or Deficit Per FS	6586582	ExcessOrDeficitPerFS

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48:	PART X:	THERE IS NO FOOTNOTE TO THE ORGANIZATION'S LIABILITY FOR UNCERTAIN TAX POSITIONS UNDER FIN 48.
PART XI, LINE 8 - OTHER ADJUSTMENTS:		INCREASE IN MEMBERS DEPOSITS 5,839,428. GAIN/LOSS BOOK TO TAX DIFFERENCE -106,462.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Recipient Table RecipientTable

Recipient Name Business RecipientNameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	SAN ANTONIO AREA FOUNDATION	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	110 BROADWAY SUITE 230	AddressLine1
City	SAN ANTONIO	City
State	TX	State
ZIP Code	78205	ZIPCode

Field	Value	IRS element (for citing)
EIN Of Recipient	746065414	EINOfRecipient
IRC Section	501(C)(3)	IRCSection
Amount Of Cash Grant	10000	AmountOfCashGrant
Purpose Of Grant	SCHOLARSHIPS	PurposeOfGrant

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	EDUCATOR AWARDS	TypeOfGrant
Number Of Recipients	10	NumberOfRecipients
Amount Of Cash Grant	5000	AmountOfCashGrant
Method Of Valuation	FMV	MethodOfValuation
Description Of Non Cash Assistance	N/A	DescriptionOfNonCashAssistance

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	OTHER INFORMATION:	Identifier
Return Reference	PART IV:	ReturnReference
Explanation	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.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	1	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (3 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
LEON EDWARD EWING
292940	0	0	0	8379	0	0	0	110444	0	411763	0	0	0
JESUS MARTINEZ
154462	0	0	0	13784	0	0	0	44742	0	212988	0	0	0
ANDREW APPLE
151412	0	0	0	108	0	0	0	14136	0	165656	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII

Field	Value	IRS element (for citing)
Return Reference	PART I, LINE 4B	ReturnReference
Explanation	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	Explanation

Schedule L IRS990ScheduleL

Form990 Schedule L Part IV Form990ScheduleLPartIV

Name Of Interested Person NameOfInterestedPerson

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	LEON EWING FMCU - CEO	BusinessNameLine1

Field	Value	IRS element (for citing)
Relationship	TBLG BOARD MEMBER	Relationship
Description Of Transaction	N/A	DescriptionOfTransaction
Sharing Of Revenues	0	SharingOfRevenues

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (9 entries)

IdentifierIdentifier	ExplanationExplanation	Return ReferenceReturnReference
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.
	COMPENSATION SURVEY, BOARD APPROVAL AND WRITTEN EMPLOYMENT CONTRACT.	FORM 990, PART VI, SECTION B, LINE 15A
	FIRSTMARK CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.	FORM 990, PART VI, SECTION C, LINE 19
CHANGES IN NET ASSETS OR FUND BALANCES:	INCREASE IN MEMBERS DEPOSITS 5,839,428. GAIN/LOSS BOOK TO TAX DIFFERENCE -106,462. TOTAL TO FORM 990, PART XI, LINE 5: 5,732,966.	FORM 990, PART XI, LINE 5:
AUDITED FINANCIAL STATEMENTS AND REPORTING	FINANCIAL STATEMENTS ARE AUDITED FOR THE FISCAL YEAR ENDING JUNE 30, 2011 AND TAX RETURN IS FILED ON A CALENDAR YEAR BASIS.	FORM 990, PART XI, LINE 2A
OVERSIGHT COMMITTEE RESPONSIBILITES	THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT - PROCESS HAS NOT CHANGED. AS NOTED PREVIOUSLY, ORGANIZATION FINANCIAL STATEMENTS ARE AUDITED FOR THE FISCAL YEAR ENDED JUNE 30, 2011 AND THE RETURN IS FILED ON A CALENDAR YEAR.	FORM 990, PART XI, LINE 2C
CHANGE IN NET ASSETS	TOTAL CHANGE IN NET ASSETS IS $6,586,582 WHICH INCLUDES REVENUE LESS EXPENSE INCREASE OF $853,616 REPORTED ON FORM 990, PAGE 1; BOOK/TAX DIFFERENCE ON SALE OF ASSETS AND INVESTMENTS OF ($106,462); AND AN INCREASE IN MEMBER DEPOSITS OF $5,839,428.	PART X, LINE 32