Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2016 • EIN 59-0306510

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 02, 2017

Organization Profilejppcu.org

View Organization Page

1820 rogero roadjacksonville, FL 32211

(904) 743-2555

Siviq Scores

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

Liabilities / Assets

14th percentile

0.81x

Higher debt load relative to assets than 14% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

83rd percentile

27.32x

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

21st percentile

1.8%

Higher net margin than 21% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

39th percentile

$86,000

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

53rd percentile

3.4%

Faster asset growth than 53% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

9th percentile

-3.9%

Faster revenue growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$44,532,713

Up $1,470,241 (+3.4%) from 2015

Net Assets

Up

$8,254,772

Up $68,254 (+0.8%) from 2015

Liabilities

Up

$36,277,941

Up $1,401,987 (+4.0%) from 2015

Revenue And Expenses
Liabilities / Revenue83rd percentileNet Margin21st percentile

Revenue

Down

$1,327,862

Down $53,508 (-3.9%) from 2015

Expenses

Down

$1,304,269

Down $30,197 (-2.3%) from 2015

Net Income

Down

$23,593

Down $23,311 (-50%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

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

$60M$40M$20M$0Assets 2011: $44,324,539Liabilities 2011: $35,758,345Net Assets 2011: $8,566,1942011Assets 2012: $44,801,343Liabilities 2012: $36,442,734Net Assets 2012: $8,358,6092012Assets 2013: $42,761,973Liabilities 2013: $34,744,213Net Assets 2013: $8,017,7602013Assets 2014: $43,945,071Liabilities 2014: $35,847,626Net Assets 2014: $8,097,4452014Assets 2015: $43,062,472Liabilities 2015: $34,875,954Net Assets 2015: $8,186,5182015Assets 2016: $44,532,713Liabilities 2016: $36,277,941Net Assets 2016: $8,254,7722016Assets 2017: $43,305,986Liabilities 2017: $34,984,638Net Assets 2017: $8,321,3482017Assets 2018: $40,436,172Liabilities 2018: $32,022,842Net Assets 2018: $8,413,3302018Assets 2019: $40,095,811Liabilities 2019: $31,396,099Net Assets 2019: $8,699,7122019Assets 2020: $43,144,455Liabilities 2020: $34,383,660Net Assets 2020: $8,760,7952020Assets 2021: $45,104,325Liabilities 2021: $36,723,715Net Assets 2021: $8,380,6102021

Highlighted filing

2016

Assets$44,532,713
Liabilities$36,277,941
Net Assets$8,254,772
Open 2016 Filing

Operations Trend

Revenue Growth9th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2011: $1,896,4912011Expenses 2012: $1,743,1062012Revenue 2013: $1,618,412Expenses 2013: $1,540,149Net Income 2013: $78,2632013Revenue 2014: $1,452,074Expenses 2014: $1,412,496Net Income 2014: $39,5782014Revenue 2015: $1,381,370Expenses 2015: $1,334,466Net Income 2015: $46,9042015Revenue 2016: $1,327,862Expenses 2016: $1,304,269Net Income 2016: $23,5932016Revenue 2017: $1,343,743Expenses 2017: $1,218,568Net Income 2017: $125,1752017Revenue 2018: $1,444,148Expenses 2018: $1,288,395Net Income 2018: $155,7532018Revenue 2019: $1,409,365Expenses 2019: $1,346,810Net Income 2019: $62,5552019Revenue 2020: $1,191,018Expenses 2020: $1,140,774Net Income 2020: $50,2442020Revenue 2021: $936,635Expenses 2021: $984,348Net Income 2021: -$47,7132021

Highlighted filing

2016

Revenue$1,327,862
Expenses$1,304,269
Net Income$23,593
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 2, 2017
Return Version
2016v3.0
Gross Receipts
$1,327,862
Mission and Program Overview

Mission

To provide the highest level of financial services in a friendly and professional manner and encourage thrift savings with the wise use of credit while increasing the knowledge and ability of our members to manage and control their financial well being

credit union serving us postal service employees and other groups

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities-$27,518,512-
Investments Other Securities$25,914,196$0▼ $25,914,196
Other Notes and Loans Receivable, Net$16,400,312$16,217,755▼ $182,557
Cash and Non-Interest-Bearing Accounts$474,954$429,513▼ $45,441
Land, Buildings, and Equipment, Net$155,024$158,104▲ $3,080
Prepaid Expenses and Deferred Charges$20,446$45,711▲ $25,265
Accounts Receivable$16,183$3,295▼ $12,888
Savings and Temporary Cash Investments$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Program Related$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors-$0-
Total Assets$43,062,472$44,532,713▲ $1,470,241
Other Assets Total$81,357$159,823▲ $78,466
Liabilities
Unsecured Notes Loans Payable-$36,128,903-
Other Liabilities$34,732,205$0▼ $34,732,205
Accounts Payable and Accrued Expenses$143,749$149,038▲ $5,289
Grants Payable-$0-
Mortgage Notes Payable Secured by Investment Property-$0-
Deferred Revenue-$0-
Escrow Account Liability-$0-
Tax Exempt Bond Liabilities-$0-
Total Liabilities$34,875,954$36,277,941▲ $1,401,987
Net Assets / Fund Balance
Unrestricted Net Assets$8,186,518$8,254,772▲ $68,254
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$8,186,518$8,254,772▲ $68,254
Total Liabilities and Net Assets / Fund Balance$43,062,472$44,532,713▲ $1,470,241

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$33,997$458,456$0
Other Land Buildings$0$0$0
Land$57,000-$0
Equipment$67,107$1,260,203$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay39th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kirk GillumPresidentFT$86,000$86,000

Board Members and Trustees

NameTitle
Scott Carterchairman
chris conwelldirector
ron fergusondirector
dan griffinsecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$1,141,901
Other Revenue
$185,961
Change in Net Assets
$23,593
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$674,080
Salaries, Compensation, and Employee Benefits$630,189
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$508,478--$508,478
Office Expenses$258,211--$258,211
Interest$151,699--$151,699
Information Technology$79,213--$79,213
Other Employee Benefits$46,593--$46,593
Occupancy$45,890--$45,890
Other Expenses$24,000$14,678-$38,678
Payroll Taxes$38,280--$38,280
Pension Plan Contributions$36,838--$36,838
Insurance$25,878--$25,878
Fees for Services Accounting$20,789--$20,789
Depreciation Depletion$19,843--$19,843
All Other Expenses$14,678--$14,678
Travel$7,765--$7,765
Advertising$6,608--$6,608
Fees for Services Legal$4,828--$4,828
Total Functional Expenses$1,289,591$14,678$0$1,304,269
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
Loans from Officers, Directors, Trustees, and Key Employees-$0-
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“BOARD OF DIRECTORS”

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

“Monthly meetings board of directors”

Form 990, Part VI, Section B, Line 15

“President board of directors operations manager accounting”

Form 990, Part VI, Section C, Line 19

“DOCUMENTS UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0306510
Phone
9047432555
Address
1820 rogero road, jacksonville, FL 32211

Signing Officer

Name
Kirk Gillum
Title
President
Phone
9047432555
Signed
2017-03-02

Organization Details

Principal Officer
Kirk Gillum
Formed
1929
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
10
Volunteers
5
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“changes in interest rate returns on investments gains”

Raw XML AppendixShowing 400 of 412 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/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01188937
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0688789
IRS990/PYOtherRevenueAmt0192433
IRS990/PYProgramServiceRevenueAmt00
IRS990/PYRevenuesLessExpensesAmt046904
IRS990/PYSalariesCompEmpBnftPaidAmt0645677
IRS990/PYTotalExpensesAmt01334466
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01381370
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt023593
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0917311
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt0185961
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0185961
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt00
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt033997
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0458456
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0492453
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt067107
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01260203
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt01327310
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt057000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt057000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0158104
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MONTHLY MEETINGS BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PRESIDENT BOARD OF DIRECTORS OPERATIONS MANAGER ACCOUNTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DOCUMENTS UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4changes in interest rate returns on investments gains
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt00
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt043062472
IRS990/TotalAssetsEOYAmt044532713
IRS990/TotalAssetsGrp/BOYAmt043062472
IRS990/TotalAssetsGrp/EOYAmt044532713
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt014678
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01289591
IRS990/TotalFunctionalExpensesGrp/TotalAmt01304269
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt034875954
IRS990/TotalLiabilitiesEOYAmt036277941
IRS990/TotalLiabilitiesGrp/BOYAmt034875954
IRS990/TotalLiabilitiesGrp/EOYAmt036277941
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08186518
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08254772
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt01289591
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt086000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01327862
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01327862
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt043062472
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt044532713
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt07765
IRS990/TravelGrp/TotalAmt07765
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UnrestrictedNetAssetsGrp/BOYAmt08186518
IRS990/UnrestrictedNetAssetsGrp/EOYAmt08254772
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt036128903
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01820 Rogero Road
IRS990/USAddress/CityNm0Jacksonville
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032211
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0jppcu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Kirk Gillum
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09047432555
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNIONS IN FLORIDA
ReturnHeader/Filer/BusinessNameControlTxt0STAT

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$44,532,713
Liabilities
$36,277,941
Net assets
$8,254,772
Revenue
$1,327,862
Expenses
$1,304,269
Net income
$23,593
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.1$36.7$8.38$0.94$0.98$0.05
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.1$34.4$8.76$1.19$1.14$0.05
2019Summary only. Only limited summary data is available for this year.$40.1$31.4$8.70$1.41$1.35$0.06
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.4$32.0$8.41$1.44$1.29$0.16
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.3$35.0$8.32$1.34$1.22$0.13
2016Detailed filing. Detailed filing data is available for this year.$44.5$36.3$8.25$1.33$1.30$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$43.1$34.9$8.19$1.38$1.33$0.05
2014Detailed filing. Detailed filing data is available for this year.$43.9$35.8$8.10$1.45$1.41$0.04
2013Detailed filing. Detailed filing data is available for this year.$42.8$34.7$8.02$1.62$1.54$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.8$36.4$8.36$1.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.3$35.8$8.57$1.90