Civic Intelligence

Suncoast Credit Union

990 • Fiscal year 2015 • EIN 59-0291451

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 24, 2016

Organization ProfileWWW.SUNCOASTCREDITUNION.COM

View Organization Page

6801 East Hillsborough AveTampa, FL 33680

(800) 999-5887

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

83rd percentile

0.91x

Higher debt load relative to assets than 83% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

59th percentile

20.83x

Higher debt load relative to revenue than 59% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

75th percentile

24%

Higher net margin than 75% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

81st percentile

$1,197,515

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

91st percentile

16%

Faster asset growth than 91% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

50th percentile

7.3%

Faster revenue growth than 50% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Up

$6,920,280,851

Up $929,501,289 (+16%) from 2014

Net Assets

Up

$608,192,171

Up $77,256,259 (+15%) from 2014

Liabilities

Up

$6,312,088,680

Up $852,245,030 (+16%) from 2014

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin75th percentile

Revenue

Up

$303,018,896

Up $20,545,428 (+7.3%) from 2014

Expenses

Up

$230,038,626

Up $24,636,212 (+12%) from 2014

Net Income

Down

$72,980,270

Down $4,090,784 (-5.3%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20B$15B$10B$5.0B$0Assets 2014: $5,990,779,562Liabilities 2014: $5,459,843,650Net Assets 2014: $530,935,9122014Assets 2015: $6,920,280,851Liabilities 2015: $6,312,088,680Net Assets 2015: $608,192,1712015Assets 2016: $8,035,743,823Liabilities 2016: $7,350,270,442Net Assets 2016: $685,473,3812016Assets 2017: $8,739,586,217Liabilities 2017: $7,983,298,665Net Assets 2017: $756,287,5522017Assets 2018: $9,290,333,449Liabilities 2018: $8,432,890,884Net Assets 2018: $857,442,5652018Assets 2019: $10,533,714,376Liabilities 2019: $9,545,707,362Net Assets 2019: $988,007,0142019Assets 2020: $12,321,280,879Liabilities 2020: $11,231,719,614Net Assets 2020: $1,089,561,2652020Assets 2021: $14,872,600,852Liabilities 2021: $13,643,932,670Net Assets 2021: $1,228,668,1822021Assets 2022: $16,214,901,944Liabilities 2022: $15,070,852,001Net Assets 2022: $1,144,049,9432022Assets 2023: $17,403,676,924Liabilities 2023: $16,120,234,324Net Assets 2023: $1,283,442,6002023Assets 2024: $17,828,618,114Liabilities 2024: $16,359,358,525Net Assets 2024: $1,469,259,5892024

Highlighted filing

2015

Assets$6,920,280,851
Liabilities$6,312,088,680
Net Assets$608,192,171
Open 2015 Filing

Operations Trend

Revenue Growth50th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5B$1.0B$500M$0Revenue 2014: $282,473,468Expenses 2014: $205,402,414Net Income 2014: $77,071,0542014Revenue 2015: $303,018,896Expenses 2015: $230,038,626Net Income 2015: $72,980,2702015Revenue 2016: $344,029,447Expenses 2016: $283,478,078Net Income 2016: $60,551,3692016Revenue 2017: $380,626,997Expenses 2017: $307,487,795Net Income 2017: $73,139,2022017Revenue 2018: $444,909,263Expenses 2018: $343,953,659Net Income 2018: $100,955,6042018Revenue 2019: $521,014,379Expenses 2019: $406,443,368Net Income 2019: $114,571,0112019Revenue 2020: $543,602,131Expenses 2020: $454,801,212Net Income 2020: $88,800,9192020Revenue 2021: $553,636,360Expenses 2021: $384,855,483Net Income 2021: $168,780,8772021Revenue 2022: $624,897,611Expenses 2022: $462,970,768Net Income 2022: $161,926,8432022Revenue 2023: $876,920,106Expenses 2023: $742,332,288Net Income 2023: $134,587,8182023Revenue 2024: $1,106,877,469Expenses 2024: $970,859,711Net Income 2024: $136,017,7582024

Highlighted filing

2015

Revenue$303,018,896
Expenses$230,038,626
Net Income$72,980,270
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 24, 2016
Return Version
2015v2.1
Gross Receipts
$308,924,955
Mission and Program Overview

Mission

The credit union's mission is to improve the quality of our members' lives by maintaining a strong, secure, and innovative credit union that builds trust, shows respect, and maximizes efficiency.

See Schedule O

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$4,097,885,503$4,758,774,724▲ $660,889,221
Investments in Publicly Traded Securities$1,275,910,489$1,401,795,951▲ $125,885,462
Rtn Earn Endowment Incm Other Fnds$530,935,912$608,192,171▲ $77,256,259
Savings and Temporary Cash Investments$172,525,379$201,884,402▲ $29,359,023
Investments Other Securities$100,800,168$165,995,012▲ $65,194,844
Land, Buildings, and Equipment, Net$104,456,208$109,571,542▲ $5,115,334
Cash and Non-Interest-Bearing Accounts$86,301,540$102,574,350▲ $16,272,810
Prepaid Expenses and Deferred Charges$15,237,084$21,694,069▲ $6,456,985
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$5,990,779,562$6,920,280,851▲ $929,501,289
Other Assets Total$137,663,191$157,990,801▲ $20,327,610
Liabilities
Other Liabilities$5,188,472,026$5,976,065,308▲ $787,593,282
Mortgage Notes Payable Secured by Investment Property$200,000,000$201,000,000▲ $1,000,000
Accounts Payable and Accrued Expenses$59,153,576$118,414,517▲ $59,260,941
Escrow Account Liability$11,409,948$14,641,502▲ $3,231,554
Deferred Revenue$808,100$1,967,353▲ $1,159,253
Total Liabilities$5,459,843,650$6,312,088,680▲ $852,245,030
Net Assets / Fund Balance
Total Net Assets Fund Balance$530,935,912$608,192,171▲ $77,256,259
Total Liabilities and Net Assets / Fund Balance$5,990,779,562$6,920,280,851▲ $929,501,289

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$45,672,734$41,126,758$86,799,492
Other Land Buildings$23,975,490$49,077,982$73,053,472
Land$39,182,845-$39,182,845
Leasehold Improvements$740,473$4,179,582$4,920,055
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas DoretyPresident/CEOFT$570,961$626,554$1,197,515
Kevin JohnsonEvp/CIOFT$254,711$130,857$385,568
Julie RenderosEvp/CFOFT$233,216$113,163$346,379
Gary VienChief Administrative OfficFT$198,604$104,272$302,876
Victoria LovettChief Lending OfficerFT$204,851$93,258$298,109
Susan JohnsonChief Operating OfficerFT$209,615$85,017$294,632
Wanda ChambersSVP Payment ServicesFT$179,141$107,009$286,150
Melva Mckay-bassSVP Business DevelopmentFT$188,340$93,467$281,807
Armando RojasSr Financial AdvisorFT$46,426$209,268$255,694
David EvansSr Financial AdvisorFT$45,788$206,965$252,753
Donald BurtSr Financial AdvisorFT$45,629$181,345$226,974

Board Members and Trustees

NameTitle
Velia PedreroChairman
Anthony SatchelVice-chairman
Annette BarwickDirector
Brian FeldmanDirector
Earl WhitlockDirector
Gary GreshamDirector
Jounice Nealy-brownDirector
Marc JohnsonDirector
Peter FlynnDirector
Zamir OdeDirector
Susan TurnerSecretary
Mildred HarveyTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Kass Shuler PaLegal ServicesPO BOX 800, Tampa, FL 33601$813,414
Henderson Franklin Starnes & Holt PaLegal ServicesPO BOX 280, Fort Myers, FL 33902-0280$400,628
Wetherington Hamilton & Harrison PaLegal ServicesPO BOX 172727, Tampa, FL 33672-0727$275,434
Cfs Consulting Group INCCore Software Conversion Consulting800 ENTERPRISE DR, Oakbrook, IL 60523$267,184
Hutto & Carver PaAudit Services200 E GOVERNMENT STREET STE 110, Pensacola, FL 32502$127,398
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$196,464,482
Investment Income
$12,984,073
Other Revenue
$93,570,341
Change in Net Assets
$72,980,270

Audited Revenue Reconciliation

Revenue per Audited Statements
$303,018,896
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$104
Total Revenue per Audited Statements
$303,019,000
Total Revenue per Form 990
$303,018,896
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$139,601,677
Salaries, Compensation, and Employee Benefits$89,992,403
Grants and Similar Amounts Paid$444,546
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$57,647,946
Interest---$48,211,542
All Other Expenses---$19,723,263
Pension Plan Contributions---$15,511,777
Depreciation Depletion---$11,052,740
Information Technology---$10,559,797
Other Employee Benefits---$9,684,903
Office Expenses---$8,423,076
Occupancy---$7,230,091
Other Expenses---$5,948,821
Payroll Taxes---$4,322,698
Current Officers, Directors, Trustees, and Key Employees---$2,825,079
Advertising---$2,431,500
Insurance---$1,555,507
Travel---$553,412
Conferences and Meetings---$492,791
Grants to Domestic Orgs---$444,546
Fees for Services Legal---$317,405
Fees for Services Accounting---$140,984
Fees for Services Other---$131,585
Total Functional Expenses$0$0$0$230,038,626

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$230,039,000
Expenses per Audited Statements$230,038,626
Total Expenses per Form 990$230,038,626
Expenses Not Reported on Form 990$374
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Suncoast Credit Union FoundationTampa, FL501(c)3To Support Programs That Directly Benefit Children.$184,845
National Credit Union FoundationMadison, WI501(c)3TO FUND PROGRAMS THAT HELP IMPROVE CONSUMER'S FINANCIAL LIVES THROUGH CREDIT UNIONS.$130,531
Florida CupacTallahassee, FL527To Assist in Passing Legislation That Supports the Credit Union Movement.$46,800
Arbor Day FoundationLincoln, NE501(c)3To Provide Funds to Plant Trees.$31,464
Tampa Bay Black Business Investment CorpTampa, FL501(c)4To Support the Business Operations of the Organization.$10,000
Worldwide Foundation for Credit UnionsMadison, WI501(c)3TO HELP CREATE LONG-LASTING OPPORTUNITIES FOR THE WORLD'S WORKING POOR THROUGH CREDIT UNION INITIATIVES.$10,000
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$46,800
Total Exempt Function Spending$46,800

Section 527 Organizations

OrganizationLocationAmount
59-1889104Tallahassee, FL$46,800
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share and Savings Accounts$5,975,099,642
Dividends Payable$965,666
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 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
Yes
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 2

“Senior officers kevin johnson and susan johnson have a family relationship.”

Form 990, Part VI, Section A, line 6

“The credit union is owned by its members.”

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

“The credit union has eleven board members. Board members are elected by the membership to three-year terms.”

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

“The membership must vote on changes to the credit union's charter.”

Form 990, Part VI, Section B, line 11

“The 990 will be reviewed by senior staff with the board of directors prior to filing.”

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

“The credit union's bylaws address prohibited conflicts of interest for directors, committee members, officers, agents, and employees of the credit union. Board members are disqualified from deliberation on items in which they have a personal interest. Further, the credit union has a formal vendor management program and policy that is managed and monitored by the purchasing director. Comprehensive due diligence is performed with each new vendor and as an ongoing requirement for vendors paid over $100,000 annually. Exceptions to the vendor management policy are reviewed and approved by the alco committee annually.”

Form 990, Part VI, Section B, line 15

“The ceo's salary is approved by the board of directors. The ceo approves all officer and key employee salaries. Comparable salary data is provided by towers watson and reward strategy group. Merit increases are based on a compa ratio and appraisal rating.”

Form 990, Part VI, Section C, line 19

“Financial statements are made available in the branches quarterly, with an annual report available at the annual meeting and the suncoast credit union website. Quarterly financial data is also available on the ncua's website.”

Filing and Contact Details

Filer

Filer Name
Suncoast Credit Union
EIN
59-0291451
Phone
8009995887
Address
6801 EAST HILLSBOROUGH AVE, TAMPA, FL 33680

Signing Officer

Name
Julie Renderos
Title
Evp/CFO
Phone
8009995887
Signed
2016-10-24

Organization Details

Principal Officer
Thomas Dorety
Formed
1934
Legal Domicile
Fl
Voting Board Members
11
Independent Board Members
11
Employees
1,519
Volunteers
15

Preparer

Firm
Warren Averett LLC
Address
316 South Baylen Street Suite 300, Pensacola, FL 32502
Preparer
Harold S Hutto Jr CPA
Phone
8504357400
Supplemental Narrative

Additional Explanations

FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:

“The credit union's mission is to improve the quality of our members' lives by maintaining a strong, secure, and innovative credit union that builds trust, shows respect, and maximizes efficiency.”

Form 990, Part XI, line 9:

“Fasb asc 715 pension liability adjustment 7,312,955.”

Form 990, Part XII, Financial Statements and Reporting, Line 2C

“The credit union has a supervisory committee which consists of three member volunteers. This committee assumes the responsibility for oversight of the financial statement audit and selection of the independent accountant performing the audit.”

Form 990, Page 1, Box B, Amended Return

“The 2015 suncoast credit union 990 was e-filed in error on 8/9/16. Form 990, part vii, was missing additional compensation information for senior staff members. We are amending the original filing to include this information in part vii and on schedule j, as applicable. Part ix, line 5, compensation of current officers, directors, trustees, and key employees, and line 7, other salaries and wages, were also changed to reflect the additional compensation.”

Financial Statement Notes

Part IV, Line 2B:

“The credit union holds escrowed funds for the payment of property taxes and homeowners' insurance as a service to our members who have mortgages with the credit union or have mortgages serviced by the credit union.”

Part X, Line 2:

“In 2007, the Internal Revenue Service (IRS) issued Technical Advice Memoranda (TAMS) which identified specific products sold by state-chartered credit unions that would be subject to unrelated business tax (UBIT). Using the provision of Financial Accounting Standards Board (FASB) ASC 740, Income Taxes guidance, tax positions initially need to be recognized in the financial statements when it is more-likely-than-not the positions will be sustained upon examination by tax authorities. Such tax positions initially and subsequently need to be measured as the largest amount of tax benefit that has a greater than 50% likelihood of being realized upon ultimate settlement with the tax authority assuming full knowledge of the position and relevant facts. As of December 31, 2015, pending receipt of the determination letter from the IRS, the Credit Union had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the Credit Union had no interest and penalties related to income taxes. The Credit Union will be subject to U.S. federal income tax examinations by tax authorities beginning with the year 2014, the initial year of filing. (The determination letter was subsequently received from the IRS in April 2016, confirming Suncoast Credit Union's tax exempt status under IRC section 501(c)(14).)”

Part XI, Line 2D - Other Adjustments:

“Rounding due to audited financial statements being presented in thousands 104.”

Part XII, Line 2D - Other Adjustments:

“Rounding due to audited financial statements being presented in thousands 374.”

Raw XML AppendixShowing 400 of 882 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.

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IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHIEF ADMINISTRATIVE OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt18SR FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19SR FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP BUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP PAYMENT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt22SR FINANCIAL ADVISOR
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0THE CREDIT UNION'S MISSION IS TO IMPROVE THE QUALITY OF OUR MEMBERS' LIVES BY MAINTAINING A STRONG, SECURE, AND INNOVATIVE CREDIT UNION THAT BUILDS TRUST, SHOWS RESPECT, AND MAXIMIZES EFFICIENCY.
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IRS990/ProgSrvcAccomActy3Grp/Desc0SERVICE FEES CHARGED BY THE CREDIT UNION FOR OUR PRODUCTS ARE GENERALLY LOWER THAN OUR LOCAL COMPETITION OR HAVE BEEN ELIMINATED.
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Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,920,280,851
Liabilities
$6,312,088,680
Net assets
$608,192,171
Revenue
$303,018,896
Expenses
$230,038,626
Net income
$72,980,270
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$17,829$16,359$1,469$1,107$971$136
2023Summary only. Only limited summary data is available for this year.$17,404$16,120$1,283$877$742$135
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$16,215$15,071$1,144$625$463$162
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$14,873$13,644$1,229$554$385$169
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12,321$11,232$1,090$544$455$88.8
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$10,534$9,546$988$521$406$115
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9,290$8,433$857$445$344$101
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8,740$7,983$756$381$307$73.1
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8,036$7,350$685$344$283$60.6
2015Detailed filing. Detailed filing data is available for this year.$6,920$6,312$608$303$230$73.0
2014Summary only. Only limited summary data is available for this year.$5,991$5,460$531$282$205$77.1
Peer Organizations

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