FRONTIER FINANCIAL CREDIT UNION

Address
5200 NEIL ROAD
RENO, NV 89502
Contact
Website: http://www.frontierfcu.org
Phone: +1 (775) 829-2070
Nonprofit
NTEE: W61 - Credit Unions
EIN: 88-6003195

Mission

FRONTIER FINANCIAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE REVENUE EARNED BY THE CREDIT UNION IS IN COMPLIANCE WITH THE STATE STATUTES AND IN ACCORDANCE WITH OUR STATE CHARTER TO SERVE FIELDS OF MEMBERSHIP BY PROVIDING FINANCIAL SERVICES INCLUDING LENDING AND DEPOSITORY FUNCTIONS.
 2016201520142013
Basic features of the organization
Year of formation1958
Subsection code14
PF filing required0   
Metropolitan statistical area6720
Form of organization
CorporationTrue
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$224,935.00$238,366.00$224,493.00$155,656.00
Sum of reportable (W2/1099) compensation$201,594.00$216,493.00$207,412.00$198,756.00
Number of employees27262525
Number of people compensated >$100k1111
Number of volunteers5555
Number of highly compensated contractors1111
Personnel
Begbie, James
TitleCHAIRMANCHAIRMANCHAIRMANCHAIRMAN
Name of key/compensated personJAMES BEGBIEJAMES BEGBIEJAMES BEGBIEJAMES BEGBIE
Position of compensated person
Current individual trustee or directorTrueTrueTrue 
Current institutional trustee   True
Average hours per week working for org1.001.00001.00001.00
Reportable compensation from org$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  001.00001.00
Burgess, Marsha
TitleSECRETARYSECRETARYSECRETARYDIRECTOR
Name of key/compensated personMARSHA BURGESSMARSHA BURGESSMARSHA BURGESSMARSHA BURGESS
Position of compensated person
Current individual trustee or directorTrueTrueTrue 
Current institutional trustee   True
Average hours per week working for org1.001.00001.00001.00
Reportable compensation from org$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  001.00001.00
Gubbels, James
TitleTREASURERTREASURER  
Name of key/compensated personJAMES GUBBELSJAMES GUBBELS  
Position of compensated person
Current individual trustee or directorTrueTrue  
Average hours per week working for org1.001.00  
Reportable compensation from org$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00  
Gubbles, James
Title  TREASURERTREASURER
Name of key/compensated person  JAMES GUBBLESJAMES GUBBLES
Position of compensated person
Current individual trustee or director  True 
Current institutional trustee   True
Average hours per week working for org  001.00001.00
Reportable compensation from org  $0.00$0.00
Other comp, non-reportable, from org and related orgs  $0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00
Average hours per week working for related orgs  001.00001.00
Jackson, Steve
TitleVICE CHAIRMANVICE CHAIRMANVICE CHAIRMANVICE CHAIRMAN
Name of key/compensated personSTEVE JACKSONSTEVE JACKSONSTEVE JACKSONSTEVE JACKSON
Position of compensated person
Current individual trustee or directorTrueTrueTrue 
Current institutional trustee   True
Average hours per week working for org1.001.00001.00001.00
Reportable compensation from org$0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs$0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  001.00001.00
Mercer, Brenda
TitleCONTROLLERCONTROLLERCONTROLLERCONTROLLER
Name of key/compensated personBRENDA MERCERBRENDA MERCERBRENDA MERCERBRENDA MERCER
Position of compensated person
Average hours per week working for org40.0040.00040.00040.00
Reportable compensation from org$53,008.00$53,230.00$52,186.00$49,693.00
Other comp, non-reportable, from org and related orgs$8,621.00$7,872.00$7,185.00$5,712.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  040.00040.00
Powers, Ernie
Title  DIRECTOR 
Name of key/compensated person  ERNIE POWERS 
Position of compensated person
Current individual trustee or director  True 
Average hours per week working for org  001.00 
Reportable compensation from org  $0.00 
Other comp, non-reportable, from org and related orgs  $0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00 
Average hours per week working for related orgs  001.00 
Rodela, Bruce
TitlePRESIDENT/CEOPRESIDENT/CEOPRESIDENT/CEOPRESIDENT/CEO
Name of key/compensated personBRUCE A RODELABRUCE A RODELABRUCE A RODELABRUCE A RODELA
Position of compensated person
Average hours per week working for org40.0040.00040.00040.00
Reportable compensation from org$148,586.00$163,263.00$155,226.00$149,063.00
Other comp, non-reportable, from org and related orgs$14,720.00$14,001.00$9,896.00$6,593.00
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00$0.00$0.00
Average hours per week working for related orgs  040.00040.00
Stoll, Dick
TitleDIRECTORDIRECTOR  
Name of key/compensated personDICK STOLLDICK STOLL  
Position of compensated person
Current individual trustee or directorTrueTrue  
Average hours per week working for org1.001.00  
Reportable compensation from org$0.00$0.00  
Other comp, non-reportable, from org and related orgs$0.00$0.00  
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00$0.00  
Wagner, Jerry
Title   SECRETARY
Name of key/compensated person   JERRY WAGNER
Position of compensated person
Current institutional trustee   True
Average hours per week working for org   001.00
Reportable compensation from org   $0.00
Other comp, non-reportable, from org and related orgs   $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs    $0.00
Average hours per week working for related orgs   001.00
Purpose: mission, activities, & accomplishments
Mission or significant activitiesFRONTIER FINANCIAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE REVENUES EARNED BY THE CREDIT UNION IS IN COMPLIANCE WITH THE STATE STATUTES AND IN ACCORDANCE WITH OUR STATE CHARTER TO SERVE FIELDS OF MEMBERSHIP BY PROVIDING FINANCIAL SERVICES INCLUDING LENDING AND DEPOSITORY FUNCTIONS.FRONTIER FINANCIAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE REVENUES EARNED BY THE CREDIT UNION IS IN COMPLIANCE WITH THE STATE STATUTES AND IN ACCORDANCE WITH OUR STATE CHARTER TO SERVE FIELDS OF MEMBERSHIP BY PROVIDING FINANCIAL SERVICES INCLUDING LENDING AND DEPOSITORY FUNCTIONS.FRONTIER FINANCIAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE REVENUE EARNED BY THE CREDIT UNION IS IN COMPLIANCE WITH THE STATE STATUTES AND IN ACCORDANCE WITH OUR STATE CHARTER TO SERVE FIELDS OF MEMBERSHIP.FRONTIER FINANCIAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE REVENUES EARNED BY THE CREDIT UNION IS IN COMPLIANCE WITH THE STATE STATUTES AND IN ACCORDANCE WITH OUR STATE CHARTER TO SERVE FIELDS OF MEMBERSHIP BY PROVIDING FINANCIAL SERVICES INCLUDING LENDING AND DEPOSITORY FUNCTIONS.
Programs, including revenue & expenses
PROVIDED FINANCIAL SERVICES TO THE MEMBERS OF FRONTIER FINANCIAL CREDIT UNION.
Program descriptionPROVIDED FINANCIAL SERVICES TO THE MEMBERS OF FRONTIER FINANCIAL CREDIT UNION.PROVIDED FINANCIAL SERVICES TO THE MEMBERS OF FRONTIER FINANCIAL CREDIT UNION.PROVIDED FINANCIAL SERVICES TO THE MEMBERS OF FRONTIER FINANCIAL CREDIT UNION.PROVIDED FINANCIAL SERVICES TO THE MEMBERS OF FRONTIER FINANCIAL CREDIT UNION.
Financial data
Revenue
Total revenue$3,808,213.00$3,362,918.00$3,425,833.00$3,712,413.00
Revenue from contributions (total) $0.00$0.00$0.00
Investment income, current yr$223,350.00$222,680.00$176,283.00$149,094.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00
Total unrelated business revenue$13,217.00$12,234.00$11,694.00$11,853.00
Other revenue, current yr$614,932.00$554,735.00$569,005.00$591,342.00
Net unrelated business taxable revenue-$5,815.00-$5,539.00-$1,942.00-$780.00
Program service revenue (total)$2,969,931.00$2,585,503.00$2,680,545.00$2,971,977.00
Gross receipts$3,808,213.00$3,649,358.00$3,425,833.00$3,712,413.00
Other types of revenue
Miscellaneous revenue (total)$614,932.00$554,735.00$569,005.00$591,342.00
Income from dividends, interest, and similar investments$223,350.00$233,915.00$176,283.00$149,094.00
Net rental income $0.00$0.00$0.00
Expense categories (totals)
Total functional expenses: sum of all$3,199,518.00$2,741,622.00$2,340,065.00$2,931,001.00
Total functional expenses: program service  $2,741,622.00$2,340,065.00$2,931,001.00
Total functional expenses: management and general $0.00  
Total functional expenses: fundraising $0.00  
Fees for services
Lobbying fees (total)  $0.00$0.00
Legal fees (total)$23,532.00$6,953.00$1,925.00$983.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00
General management fees (total)$40,559.00$23,803.00$4,077.00$0.00
Investment management fees (total)  $0.00$0.00
Assets and liabilities
Total assets$79,964,957.00$74,685,828.00$68,499,106.00$68,019,371.00
Total assets, beginning of year$74,685,828.00$68,499,106.00$68,019,371.00$73,502,870.00
Total liabilities$73,216,856.00$68,558,190.00$63,009,325.00$63,691,078.00
Total liabilities, beginning of year$68,558,190.00$63,009,325.00$63,691,078.00$69,851,268.00
Net assets$6,748,101.00$6,127,638.00$5,489,781.00$4,328,293.00
Net assets, beginning of year$6,127,638.00$5,489,781.00$4,328,293.00$3,651,602.00
Other liabilities$72,578,483.00$67,885,190.00$62,395,412.00$62,793,532.00
Other assets$2,232,538.00$1,932,766.00$2,052,683.00$1,343,491.00
Investments: other securities$6,565,779.00$12,413,852.00$8,525,227.00$5,967,762.00
Investments: publicly traded securities$449,876.00$891,926.00$872,011.00$793,839.00
Cash: non-interest bearing$1,051,118.00$1,183,747.00$1,208,696.00$922,539.00
Cash: non-interest bearing, beginning of year$1,183,747.00$1,208,696.00$922,539.00$900,710.00
Other financial variables
Revenue less expenses$608,695.00$621,296.00$1,085,768.00$781,412.00
Advertising (total)$146,489.00$142,244.00$67,010.00$53,222.00
Savings & temp cash investment$7,118,189.00$10,039,389.00$11,004,319.00$12,675,916.00
Accounts receivable, net$39,004.00$411,082.00$162,325.00$170,670.00
Prepaid expenses & deferred charges$98,728.00$133,081.00$98,046.00$87,369.00
Accounts payable & accrued expenses$638,373.00$673,000.00$613,913.00$897,546.00
Total net assets or fund balances$6,748,101.00$6,127,638.00$5,489,781.00$4,328,293.00
Depreciation, depletion, amortization$132,172.00$128,212.00$114,094.00$123,814.00
Payment to affiliates$18,932.00$19,402.00$20,539.00$11,514.00
Governance and accountability
Number of voting members5555
Number of independent voting members5555
Financial sheets auditedTrueTrueTrueTrue
Accrual accountingTrueTrueTrueTrue
Tax year start date2016-01-012015-01-012014-01-012013-01-01
Tax year end date2016-12-012015-12-012014-12-012013-12-01
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990
Date e-filing submitted2018-01-252017-01-052015-08-212014-10-24
IRS schema version2016v3.02015v2.12014v5.02013v3.1
Filing identifier201713129349301921201622509349300672201501809349301145201432269349302993
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