Civic Intelligence

Suncoast Credit Union

990 • Fiscal year 2017 • EIN 59-0291451

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 13, 2018

Organization ProfileWWW.SUNCOASTCREDITUNION.COM

View Organization Page

6801 East Hillsborough AveTampa, FL 33610

(800) 999-5887

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

68th percentile

20.97x

Higher debt load relative to revenue than 68% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

57th percentile

19%

Higher net margin than 57% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

28th percentile

$652,263

Higher top officer pay than 28% of similar nonprofits.

Top officer pay equals 0.2% of source-year revenue.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

68th percentile

8.8%

Faster asset growth than 68% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

52nd percentile

11%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$8,739,586,217

Up $703,842,394 (+8.8%) from 2016

Net Assets

Up

$756,287,552

Up $70,814,171 (+10%) from 2016

Liabilities

Up

$7,983,298,665

Up $633,028,223 (+8.6%) from 2016

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin57th percentile

Revenue

Up

$380,626,997

Up $36,597,550 (+11%) from 2016

Expenses

Up

$307,487,795

Up $24,009,717 (+8.5%) from 2016

Net Income

Up

$73,139,202

Up $12,587,833 (+21%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth68th 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

2017

Assets$8,739,586,217
Liabilities$7,983,298,665
Net Assets$756,287,552
Open 2017 Filing

Operations Trend

Revenue Growth52nd 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

2017

Revenue$380,626,997
Expenses$307,487,795
Net Income$73,139,202
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 13, 2018
Return Version
2017v2.3
Gross Receipts
$380,650,080
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.

To improve the quality of our members' lives through strength, security, and innovation.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$5,512,262,314$6,348,256,873▲ $835,994,559
Investments in Publicly Traded Securities$1,599,561,503$1,612,976,838▲ $13,415,335
Rtn Earn Endowment Incm Other Fnds$685,473,381$756,287,552▲ $70,814,171
Cash and Non-Interest-Bearing Accounts$232,280,446$213,365,354▼ $18,915,092
Land, Buildings, and Equipment, Net$122,873,304$148,883,562▲ $26,010,258
Investments Other Securities$130,048,558$128,005,994▼ $2,042,564
Savings and Temporary Cash Investments$257,243,298$111,553,241▼ $145,690,057
Accounts Receivable$11,905,711$21,017,798▲ $9,112,087
Prepaid Expenses and Deferred Charges$23,252,827$19,511,554▼ $3,741,273
Intangible Assets$4,885,417$4,760,417▼ $125,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,035,743,823$8,739,586,217▲ $703,842,394
Other Assets Total$141,430,445$131,254,586▼ $10,175,859
Liabilities
Other Liabilities$6,985,997,058$7,599,586,501▲ $613,589,443
Mortgage Notes Payable Secured by Investment Property$250,000,000$250,000,000→ $0
Accounts Payable and Accrued Expenses$98,273,909$123,466,572▲ $25,192,663
Escrow Account Liability$14,999,475$9,245,592▼ $5,753,883
Unsecured Notes Loans Payable$1,000,000$1,000,000→ $0
Total Liabilities$7,350,270,442$7,983,298,665▲ $633,028,223
Net Assets / Fund Balance
Total Net Assets Fund Balance$685,473,381$756,287,552▲ $70,814,171
Total Liabilities and Net Assets / Fund Balance$8,035,743,823$8,739,586,217▲ $703,842,394

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$84,091,075$39,904,057$123,995,132
Equipment$26,045,185$62,036,732$88,081,917
Land$33,867,236-$33,867,236
Other Land Buildings$3,188,107$9,301,270$12,489,377
Leasehold Improvements$1,691,959$4,879,618$6,571,577
Compensation and Service Providers
Top Officer Pay28th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin D JohnsonPresident/CEOFT$469,966$182,297$652,263
Thomas R DoretyPresident/CEO (former)-$23,728$569,356$593,084
Julie a RenderosExecutive Vice President/CFOFT$283,200$114,164$397,364
Victoria G LovettChief Lending OfficerFT$216,598$100,380$316,978
Gary J VienChief Administrative OfficerFT$213,647$99,669$313,316
Melva L Mckay-bassSr. VP of Business DevelopmentFT$205,583$89,813$295,396
Darlene a JohnsonChief Operating OfficerFT$189,903$81,822$271,725
David EvansSr. Financial AdvisorFT$48,788$222,852$271,640
Sheri L EatonSr. VP Service Center OperationsFT$178,514$74,229$252,743
Benjamin FelderGeneral CounselFT$177,366$69,078$246,444
Harold E HassenfeltChief Information OfficerFT$174,078$64,981$239,059
Donald D BurtSr. Financial AdvisorFT$48,653$175,347$224,000
Susan B JohnsonChief Operating Officer (former)-$8,390$134,043$142,433
Mildred HarveyBoard of Director-$4,281-$4,281
Andrea FalveyBoard of Director-$3,853-$3,853
Zamir OdeBoard Treasurer-$3,541-$3,541
Jounice Nealy-brownSecretary of the Board-$2,546-$2,546
Velia PedreroBoard of Director-$1,845-$1,845
Anthony SatchelChair of the Board-$1,592-$1,592

Board Members and Trustees

NameTitle
Susan TurnerVice Chair of the Board
Brian FeldmanBoard of Director
Gary C GreshamBoard of Director
Marc JohnsonBoard of Director
Peter FlynnBoard of Director
Earl WhitlockBoard of Director (through 12/17)

Highest Paid Contractors

ContractorServicesLocationCompensation
Creative Contractors INCBuilding Contractor620 DREW STREET, Clearwater, FL 33755$8,971,980
Compass Construction INCBuilding Contractor824 LAFAYETTE ST, Cape Coral, FL 33904$2,374,212
Cam ConstructionBuilding Contractor8109 E MARTIN LUTHER KING JR BLVD, Tampa, FL 33619$2,335,848
Dart AppraisalsMortgage AppraisersPO BOX 77000, Detroit, MI 48277$1,500,585
Kass Shuler PaForeclosure AttorneyPO BOX 800, Tampa, FL 33601$1,090,764
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$353,432,476
Investment Income
$25,429,160
Other Revenue
$1,765,361
Change in Net Assets
$73,139,202
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$209,521,317
Salaries, Compensation, and Employee Benefits$97,329,411
Grants and Similar Amounts Paid$637,067
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$73,728,640
Interest---$64,737,631
All Other Expenses---$22,964,166
Depreciation Depletion---$13,087,320
Other Employee Benefits---$12,582,211
Occupancy---$11,656,228
Office Expenses---$8,310,480
Information Technology---$8,225,442
Payroll Taxes---$5,500,436
Other Expenses---$3,730,100
Pension Plan Contributions---$3,309,759
Advertising---$3,021,077
Current Officers, Directors, Trustees, and Key Employees---$2,208,365
Insurance---$1,735,946
Grants to Domestic Orgs---$637,067
Travel---$565,200
Conferences and Meetings---$538,031
Fees for Services Legal---$379,456
Fees for Services Accounting---$236,018
Fees for Services Other---$181,429
Total Functional Expenses$0$0$0$307,487,795
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Suncoast Credit Union FoundationTampa, FL501(c)(3)To Fund Scholarships.$204,008
National Credit Union FoundationMadison, WI501(c)(3)TO FUND PROGRAMS THAT HELP IMPROVE CONSUMER'S FINANCIAL LIVES.$122,004
Arbor Day FoundationLincoln, NE501(c)(3)To Provide Funds to Plant Trees.$110,286
United Way SuncoastTampa, FL501(c)(3)To Support Vehicle Ida Program.$100,000
Southeastern Credit Union FoundationTallahassee, FL501(c)(3)Community Development Across Florida.$56,501
American Cancer Society IncAtlanta, GA501(c)(3)Relay for Life Donation.$23,000
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
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Share and Savings Accounts$7,597,125,928
Other Liabilities$1,426,234
Dividends Payable$1,034,339
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
Yes
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

“All members have the reserved right to elect or remove members of the board of directors.”

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

“A vote by the members is required for changes to the credit union's charter.”

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

“The form 990 will be reviewed by senior management prior to filing.”

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

“The credit union's bylaws address the prohibition of 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 compliance vice president and purchasing director. Comprehensive due diligence is performed with each new vendor and as an ongoing requirement for vendors paid over $300,000 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 annually including in 2017. The ceo approves all officer and key employee salaries. Comparable salary data is provided by towers watson and reward strategy group and reviewed by senior staff. 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. The organization does not disclose their governing documents or conflict of interest policy.”

Filing and Contact Details

Filer

Filer Name
Suncoast Credit Union
EIN
59-0291451
Phone
8009995887
Address
6801 EAST HILLSBOROUGH AVE, TAMPA, FL 33610

Signing Officer

Name
Julie Renderos
Title
Evp/CFO
Phone
8009995887
Signed
2018-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kevin Johnson
Formed
1934
Legal Domicile
Fl
Voting Board Members
11
Independent Board Members
11
Employees
1,756
Volunteers
12

Preparer

Firm
Moss Adams Llp
Address
2707 COLBY AVENUE SUITE 801, EVERETT, WA 98201
Preparer
Colleen Ramires
Phone
4252597227
Supplemental Narrative

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 accordance with financial accounting standards board (fasb) accounting standards codification (asc) 740, income taxes, tax positions initially need to be recognized in the consolidated financial statements when it is more likely than not that the positions will be sustained upon examination by the 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, 2017 and 2016, management has determined that there are no uncertain tax positions that qualify for either recognition or disclosure in the consolidated financial statements. The credit union was contacted by the irs in august 2018 regarding a substantial proposed penalty for the 2016 information returns. The credit union determined that the forms were sent to our members, but a system error occurred with the placement of the information on the form. As the credit union has timely filed all required documents, with the errors being inconsequential and are due to reasonable cause, with no willful negligence, the credit union has requested abatement of the penalty and is waiting for a response from the irs on this issue.”

Raw XML AppendixShowing 400 of 945 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/TitleTxt1VICE CHAIR OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY OF THE BOARD
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD OF DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD OF DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD OF DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt16CHIEF INFORMATION OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt19SR. FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt21SR. FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22SR. VP SERVICE CENTER OPERATIONS
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,739,586,217
Liabilities
$7,983,298,665
Net assets
$756,287,552
Revenue
$380,626,997
Expenses
$307,487,795
Net income
$73,139,202
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
2017Detailed filing. Detailed filing data is available for this year.$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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2017 filings • 501(c)14 • $1B+ nonprofits