Civic Intelligence

State Chartered Credit Unions In

EIN 59-0248325 • 501(c)14 • Jacksonville, FL

View Organization Page

Profile

To share in the financial success of our members by providing services with integrity and fairness.

P O Box 40769Jacksonville, FL 32203

www.121fcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

13th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

16th percentile

-17%

Higher net margin than 16% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

84th percentile

$104,213

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 1.6% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

12th percentile

-100%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Revenue Growth

3rd percentile

-56%

Faster revenue growth than 3% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$656,042,180

Down $8,305,995 (-1.3%) from 2021

Liabilities

Up

$608,128,436

Up $2,243,482 (+0.4%) from 2021

Net Assets

Down

$47,913,744

Down $10,549,477 (-18%) from 2021

Operations
Liabilities / Revenue13th percentileNet Margin16th percentile

Revenue

Up

$34,683,506

Up $1,500,411 (+4.5%) from 2021

Expenses

Up

$30,632,937

Up $2,551,684 (+9.1%) from 2021

Net Income

Down

$4,050,569

Down $1,051,273 (-21%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2010: $425,099,392Liabilities 2010: $386,250,706Net Assets 2010: $38,848,6862010Assets 2011: $420,189,248Liabilities 2011: $377,521,094Net Assets 2011: $42,668,1542011Assets 2012: $428,809,689Liabilities 2012: $384,311,340Net Assets 2012: $44,498,3492012Assets 2013: $429,116,687Liabilities 2013: $383,061,733Net Assets 2013: $46,054,9542013Assets 2014: $443,057,646Liabilities 2014: $394,080,780Net Assets 2014: $48,976,8662014Assets 2015: $506,125,282Liabilities 2015: $452,579,118Net Assets 2015: $53,546,1642015Assets 2016: $554,021,151Liabilities 2016: $501,685,464Net Assets 2016: $52,335,6872016Assets 2017: $551,333,815Liabilities 2017: $501,880,093Net Assets 2017: $49,453,7222017Assets 2018: $547,479,699Liabilities 2018: $495,363,014Net Assets 2018: $52,116,6852018Assets 2019: $541,950,448Liabilities 2019: $487,964,003Net Assets 2019: $53,986,4452019Assets 2020: $598,550,758Liabilities 2020: $544,346,102Net Assets 2020: $54,204,6562020Assets 2021: $664,348,175Liabilities 2021: $605,884,954Net Assets 2021: $58,463,2212021Assets 2022: $656,042,180Liabilities 2022: $608,128,436Net Assets 2022: $47,913,7442022

Highlighted filing

2022

Assets$656,042,180
Liabilities$608,128,436
Net Assets$47,913,744
Open 2022 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$40M$30M$20M$10M$0-$10MRevenue 2010: $27,008,807Expenses 2010: $28,947,858Net Income 2010: -$1,939,0512010Expenses 2011: $20,769,0972011Expenses 2012: $19,654,6412012Revenue 2013: $20,663,311Expenses 2013: $17,795,786Net Income 2013: $2,867,5252013Revenue 2014: $20,700,983Expenses 2014: $18,237,205Net Income 2014: $2,463,7782014Revenue 2015: $24,596,269Expenses 2015: $24,965,414Net Income 2015: -$369,1452015Revenue 2016: $26,517,470Expenses 2016: $28,161,352Net Income 2016: -$1,643,8822016Revenue 2017: $27,131,576Expenses 2017: $29,862,262Net Income 2017: -$2,730,6862017Revenue 2018: $31,932,259Expenses 2018: $29,125,494Net Income 2018: $2,806,7652018Revenue 2019: $33,156,168Expenses 2019: $31,642,844Net Income 2019: $1,513,3242019Revenue 2020: $31,350,691Expenses 2020: $31,266,075Net Income 2020: $84,6162020Revenue 2021: $33,183,095Expenses 2021: $28,081,253Net Income 2021: $5,101,8422021Revenue 2022: $34,683,506Expenses 2022: $30,632,937Net Income 2022: $4,050,5692022

Highlighted filing

2022

Revenue$34,683,506
Expenses$30,632,937
Net Income$4,050,569
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$656,042,180
Liabilities
$608,128,436
Net assets
$47,913,744
Revenue
$34,683,506
Expenses
$30,632,937
Net income
$4,050,569
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$656$608$47.9$34.7$30.6$4.05
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$664$606$58.5$33.2$28.1$5.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$599$544$54.2$31.4$31.3$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$542$488$54.0$33.2$31.6$1.51
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$547$495$52.1$31.9$29.1$2.81
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$551$502$49.5$27.1$29.9$2.73
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$554$502$52.3$26.5$28.2$1.64
2015Detailed filing. Detailed filing data is available for this year.$506$453$53.5$24.6$25.0$0.37
2014Detailed filing. Detailed filing data is available for this year.$443$394$49.0$20.7$18.2$2.46
2013Detailed filing. Detailed filing data is available for this year.$429$383$46.1$20.7$17.8$2.87
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$429$384$44.5$19.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$420$378$42.7$20.8
2010Summary only. Only limited summary data is available for this year.$425$386$38.8$27.0$28.9$1.94
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 14, 2023
Return Version
2022v5.0
Gross Receipts
$43,997,150
Mission and Program Overview

Mission

Building relationships with members, associates, and the community by providing personal solutions to inspire financial well-being.

Providing personal solutions to inspire financial well-being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$402,700,204$439,672,562▲ $36,972,358
Investments in Publicly Traded Securities$81,488,183$80,743,299▼ $744,884
Savings and Temporary Cash Investments$113,189,938$72,318,988▼ $40,870,950
Rtn Earn Endowment Incm Other Fnds$58,463,221$47,913,744▼ $10,549,477
Land, Buildings, and Equipment, Net$24,184,488$24,681,683▲ $497,195
Receivables From Officers Etc-$11,091,705-
Cash and Non-Interest-Bearing Accounts$12,623,875$9,961,004▼ $2,662,871
Investments Other Securities$5,750,000--
Investments Program Related$2,280,501$2,430,350▲ $149,849
Prepaid Expenses and Deferred Charges$2,248,851$1,858,730▼ $390,121
Accounts Receivable$1,313,137$1,253,750▼ $59,387
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$664,348,175$656,042,180▼ $8,305,995
Other Assets Total$18,568,998$12,030,109▼ $6,538,889
Liabilities
Other Liabilities$600,508,140$601,623,486▲ $1,115,346
Accounts Payable and Accrued Expenses$3,352,407$4,982,591▲ $1,630,184
Deferred Revenue$1,628,870$1,189,541▼ $439,329
Escrow Account Liability$395,537$332,818▼ $62,719
Total Liabilities$605,884,954$608,128,436▲ $2,243,482
Net Assets / Fund Balance
Total Net Assets Fund Balance$58,463,221$47,913,744▼ $10,549,477
Total Liabilities and Net Assets / Fund Balance$664,348,175$656,042,180▼ $8,305,995

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,201,416$15,943,124$19,144,540
Buildings$13,724,744$3,717,293$17,442,037
Land$4,659,336-$4,659,336
Leasehold Improvements$1,536,678$1,125,359$2,662,037
Other Land Buildings$1,559,509-$1,559,509
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul BlackstoneChief Operations OfficerFT$332,438$108,178$440,616
David MarovichPresident/CEOFT$351,020$65,898$416,918
Cyndi KoanCFOFT$268,127$97,907$366,034
Cathy HufstetlerSVP of LendingFT$225,056$59,601$284,657
Beth LightseyController and VP of FinanceFT$159,480$34,278$193,758
Peter HayesVP of Business LendingFT$148,157$43,826$191,983
Clara KovarikVP of Human ResourcesFT$159,261$31,978$191,239
Russell BuckVP of RetailFT$162,425$20,430$182,855
Adam WadeVP of Marketing AnalyticsFT$161,438$18,871$180,309

Board Members and Trustees

NameTitle
Shelba WilliamsChairperson
Harold BoreeVice Chairperson
Billie GreenliefDirector
Michael HoganDirector
Robert GipsonDirector
William Macomber JrDirector
John Scott IiiSecretary
Cynthia DelassusTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Auld & White Constructors LLCConstruction4168 SOUTHPOINT PKWY STE 101, Jacksonville, FL 32216$1,160,541
Foreshee Contracting ServicesConstruction14600-52 DUVAL PL W, Jacksonville, FL 32218$1,020,098
FiservCredit Card Processing Software255 FISERV DR, Brookfield, WI 53045$950,008
Truhome Solutions LLCMortgage Loan Services9601 LEGLER RD, Lenexa, KS 66219$886,117
Ncr CorporationSoftware5555 ROOSEVELT BLVD, Jacksonville, FL 32244$730,588
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$30,765,160
Investment Income
$3,621,787
Other Revenue
$296,559
Change in Net Assets
$4,050,569

Audited Revenue Reconciliation

Revenue per Audited Statements
$34,683,506
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$34,683,506
Total Revenue per Form 990
$34,683,506
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,131,497
Salaries, Compensation, and Employee Benefits$12,792,872
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,177,625
Office Expenses---$3,259,405
Advertising---$2,442,400
Information Technology---$2,175,629
Depreciation Depletion---$2,055,374
Benefits to Members---$1,708,568
Current Officers, Directors, Trustees, and Key Employees---$1,508,224
Occupancy---$1,355,311
Other Employee Benefits---$920,768
Payroll Taxes---$724,979
Fees for Services Other---$683,564
Pension Plan Contributions---$461,276
Fees for Services Legal---$272,849
Travel---$238,281
Fees for Services Accounting---$222,000
Insurance---$221,016
Other Expenses---$131,328
Interest---$17,151
Total Functional Expenses$0$0$0$30,632,937

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$30,632,937
Total Expenses per Audited Statements$30,632,937
Total Expenses per Form 990$30,632,937
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees-$11,091,705-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARE AND DEPOSIT ACCOUNTS$601,623,486
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership in this credit union is available to the employees (active or retired) and their immediate families of companies providing telecommunications services; and, to organizations whose members are of the same general group. Membership in this credit union is available to individuals that work, live or attend school in the florida counties of duval, clay, st. Johns, nassau, baker, columbia, union, bradford, alachua, putnam, and flagler and their immediate families. The immediate family is defined to include any person related to the primary member by blood or marriage.”

Form 990, Part VI, Section A, Line 7A

“The credit union has an annual election in which the members elect the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11B

“The organization does not provide a copy of form 990 to the governing body prior to filing. The 990 is reviewed by the ceo and cfo before filing.”

Form 990, Part VI, Section B, Line 12C

“All employees are required to sign a statement annually stating that they are not involved in any transactions that would be a conflict of interest.”

Form 990, Part VI, Section B, Line 15A

“The review of the ceo's compensation is done annually by the board of directors (bod). The bod uses an executive compensation survey from an independent third party and each member does an individual review to determine the ceo's compensation. The ceo's compensation is documented in the board minutes. The ceo uses an executive compensation survey from an independent third party as well as an internal independent salary administration system to determine compensation for other officers and key employees.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0248325
Phone
9047236300
Address
P O BOX 40769, JACKSONVILLE, FL 32203

Signing Officer

Name
David F Marovich
Title
President/CEO
Phone
9047236300
Signed
2023-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David F Marovich
Formed
1935
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
8
Employees
184
Volunteers
12

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in post-retirement benefit plan gains 88,967.”

FORM 990, PART XII, LINE 2C:

“The process has not changed.”

Financial Statement Notes

PART IV, LINE 2B:

“The escrow funds held by the credit union are members funds to make payments on their property taxes and insurance. The funds are held by the credit union, and serviced by the credit union's third party mortgage servicer. The credit union has an obligation to allocate funds when payments are made, and to make property tax and insurance payments timely.”

PART X, LINE 2:

“The credit union is exempt, under irc 501(c)(14), from most federal and state income taxes. The credit union has filed tax returns in the past for activities it has deemed taxable as unrelated business income. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of december 31, 2022 and 2021. The credit union's 2019 through 2021 tax years are open for examination by federal and state taxing authorities.”

Raw XML AppendixShowing 400 of 711 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt03352407
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04982591
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IRS990/AccountsReceivableGrp/EOYAmt01253750
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0PROVIDING PERSONAL SOLUTIONS TO INSPIRE FINANCIAL WELL-BEING.
IRS990/AdvertisingGrp/TotalAmt02442400
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum09047236300
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IRS990/BooksInCareOfDetail/USAddress/CityNm0JACKSONVILLE
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IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
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IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
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IRS990/CashNonInterestBearingGrp/EOYAmt09961004
IRS990/ChangeToOrgDocumentsInd00
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IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01508224
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01160541
IRS990/ContractorCompensationGrp/CompensationAmt11020098
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2255 FISERV DR
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt45555 ROOSEVELT BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0JACKSONVILLE
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1FORESHEE CONTRACTING SERVICES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3TRUHOME SOLUTIONS LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4NCR CORPORATION
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IRS990/ContractorCompensationGrp/ServicesDesc1CONSTRUCTION
IRS990/ContractorCompensationGrp/ServicesDesc2CREDIT CARD PROCESSING SOFTWARE
IRS990/ContractorCompensationGrp/ServicesDesc3MORTGAGE LOAN SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4SOFTWARE
IRS990/CreditCounselingInd01
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IRS990/CYGrantsAndSimilarPaidAmt00
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IRS990/Desc0ENCOURAGING THRIFT AMONG OUR MEMBERS, CREATING SOURCES OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND PROVIDING AN OPPORTUNITY FOR OUR MEMBERS TO USE AND CONTROL THEIR RESOURCES ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
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IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
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IRS990/EmploymentTaxReturnsFiledInd01
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IRS990/FamilyOrBusinessRlnInd00
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IRS990/FeesForServicesOtherGrp/TotalAmt0683564
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
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IRS990/Form990PartVIISectionAGrp/PersonNm5MICHAEL HOGAN
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IRS990/Form990PartVIISectionAGrp/PersonNm12CLARA KOVARIK
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IRS990/Form990PartVIISectionAGrp/PersonNm15PETER HAYES
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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF MARKETING ANALYTICS
IRS990/Form990PartVIISectionAGrp/TitleTxt14CONTROLLER AND VP OF FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt15VP OF BUSINESS LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP OF RETAIL
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