Liabilities / Assets
75th percentile
Higher debt load relative to assets than 75% of similar nonprofits.
Service 1St Credit Union
990 • Fiscal year 2014 • EIN 59-0594973
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.90x
Liabilities / Revenue
36th percentile
Higher debt load relative to revenue than 36% of similar nonprofits.
Net Margin
98th percentile
Higher net margin than 98% of similar nonprofits.
Top Officer Pay
72nd percentile
Higher top officer pay than 72% of similar nonprofits.
Top officer pay equals 9.7% of source-year revenue.
Asset Growth
96th percentile
Faster asset growth than 96% of similar nonprofits.
Revenue Growth
9th percentile
Faster revenue growth than 9% of similar nonprofits.
Balance Sheet
Assets
Up$17,876,622
Up $2,034,142 (+13%) from 2013
Net Assets
Up$1,823,556
Up $322,884 (+22%) from 2013
Liabilities
Up$16,053,066
Up $1,711,258 (+12%) from 2013
Revenue And Expenses
Revenue
Down$921,921
Down $91,833 (-9.1%) from 2013
Expenses
Down$599,030
Down $343,113 (-36%) from 2013
Net Income
Up$322,891
Up $251,280 (+351%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- Aug 11, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $1,129,638
Mission and Program Overview
Mission
Credit union - to provide services to approximately 1,714 members in the form of loans, savings, and other financial services.
Credit union programs which offer a wide variety of personal financial services exclusively to their members featuring competitive rates on investments, competitive rates on loans, and other products and services.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $10,100,345 | $10,943,533 | ▲ $843,188 |
| Savings and Temporary Cash Investments | $3,270,323 | $3,811,789 | ▲ $541,466 |
| Investments Other Securities | $1,456,756 | $2,103,781 | ▲ $647,025 |
| Rtn Earn Endowment Incm Other Fnds | $1,500,672 | $1,823,556 | ▲ $322,884 |
| Land, Buildings, and Equipment, Net | $509,353 | $462,315 | ▼ $47,038 |
| Cash and Non-Interest-Bearing Accounts | $216,200 | $248,353 | ▲ $32,153 |
| Prepaid Expenses and Deferred Charges | $55,426 | $48,969 | ▼ $6,457 |
| Accounts Receivable | $38,613 | $42,796 | ▲ $4,183 |
| Investments in Publicly Traded Securities | $760 | $706 | ▼ $54 |
| Total Assets | $15,842,480 | $17,876,622 | ▲ $2,034,142 |
| Other Assets Total | $194,704 | $214,380 | ▲ $19,676 |
| Liabilities | |||
| Other Liabilities | $14,254,565 | $15,737,990 | ▲ $1,483,425 |
| Accounts Payable and Accrued Expenses | $87,243 | $315,076 | ▲ $227,833 |
| Total Liabilities | $14,341,808 | $16,053,066 | ▲ $1,711,258 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,500,672 | $1,823,556 | ▲ $322,884 |
| Total Liabilities and Net Assets / Fund Balance | $15,842,480 | $17,876,622 | ▲ $2,034,142 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $216,419 | $280,742 | $497,161 |
| Equipment | $60,896 | $383,442 | $444,338 |
| Land | $185,000 | - | $185,000 |
| Other Securities | $2,090,025 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Sharmon Lenth | CEO | FT | $89,124 | $89,124 |
Board Members and Trustees
| Name | Title |
|---|---|
| Addison Carlton | Director |
| Crystal Gardner | Director |
| Margaret Turchiarelli | Director |
| Olga Gonzalez | Director |
| Phillip Plummer Jr | Director |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $981,886
- Investment Income
- $-88,558
- Other Revenue
- $28,593
- Change in Net Assets
- $322,891
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $1,040,967
- Revenue Not Reported on Financial Statements
- $-119,046
- Other Revenue Adjustments
- $-119,046
- Total Revenue per Audited Statements
- $1,040,967
- Total Revenue per Form 990
- $921,921
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $391,877 |
| Other Expenses | $207,153 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $223,492 | - | - | $223,492 |
| Office Expenses | $134,119 | - | - | $134,119 |
| Current Officers, Directors, Trustees, and Key Employees | $89,124 | - | - | $89,124 |
| Information Technology | $79,755 | - | - | $79,755 |
| Depreciation Depletion | $72,375 | - | - | $72,375 |
| Other Employee Benefits | $43,696 | - | - | $43,696 |
| Interest | $41,619 | - | - | $41,619 |
| Payroll Taxes | $27,688 | - | - | $27,688 |
| Insurance | $22,086 | - | - | $22,086 |
| Fees for Services Other | $21,508 | - | - | $21,508 |
| Fees for Services Accounting | $16,500 | - | - | $16,500 |
| Occupancy | $10,664 | - | - | $10,664 |
| All Other Expenses | $9,605 | - | - | $9,605 |
| Advertising | $9,486 | - | - | $9,486 |
| Pension Plan Contributions | $7,877 | - | - | $7,877 |
| Fees for Services Legal | $7,434 | - | - | $7,434 |
| Payments to Affiliates | $6,996 | - | - | $6,996 |
| Other Expenses | $6,021 | - | - | $6,021 |
| Travel | $2,670 | - | - | $2,670 |
| Conferences and Meetings | $756 | - | - | $756 |
| Total Functional Expenses | $599,030 | $0 | $0 | $599,030 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Total Expenses per Audited Statements | $718,076 |
| Expenses per Audited Statements | $599,030 |
| Total Expenses per Form 990 | $599,030 |
| Expenses Not Reported on Form 990 | $119,046 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Federal income taxes | $9,153,339 |
| Shares | $2,060,745 |
| Vacation Club | $1,575,241 |
| IRAs | $1,404,648 |
| Certificates of Deposit | $1,395,993 |
| Christmas Club | $124,732 |
| Share Drafts | $23,292 |
| Mmif | - |
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 6
“The organization has members.”
Form 990, Part VI, Section A, Line 7A
“Credit union membership may participate in the election of officials.”
Form 990, Part VI, Section A, Line 7B
“Members of the credit union have the right to approve the governing bodys 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 11
“Tax forms are prepared by the tax preparers. A draft copy is sent to the ceo and controller for review. After the final review is completed the ceo signs off on the final report and filed with the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“Employees are restricted from processing transactions on their own behalf or for a family member. There are regular reviews of the activity in the accounts of volunteers and employees.”
Form 990, Part VI, Section B, Line 15AB
“Credit union industry salary surveys are used as a guide to set salaries.”
Form 990, Part VI, Section C, Line 19
“Financial statements are posted in the lobby and other items that are required to be disclosed are available upon request.”
Filing and Contact Details
Filer
- Filer Name
- Service 1st Credit Union
- EIN
- 59-0594973
- Phone
- 8136219631
- Address
- 8916 SABAL INDUSTRIAL BLVD, TAMPA, FL 33619
Signing Officer
- Name
- Sharmon Lenth
- Title
- CEO
- Signed
- 2015-08-11
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Sharmon Lenth
- Formed
- 1939
- Legal Domicile
- Fl
- Voting Board Members
- 5
- Independent Board Members
- 5
- Employees
- 9
- Volunteers
- 8
Preparer
- Firm
- ORTH CHAKLER MURNANE AND CO CPAs
- Address
- 12060 SW 129 COURT SUITE 201, MIAMI, FL 33186
- Preparer
- Douglas Orth
- Phone
- 3052328272
Supplemental Narrative
Financial Statement Notes
X 2
“THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE IRC SECTION 501C14. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UBI TAX. UNRELATED BUSINESS INCOME MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2013, 2012, AND 2011 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.”
XI 4B
“Losses from the sale of oreo. The losses are reported as expense on the income statement. However, for 990 purposes, the losses from sales are reported in the statement of revenue.”
XII 2D
“Losses from the sale of oreo. The losses are reported as expense on the income statement. However, for 990 purposes, the losses from sales are reported in the statement of revenue.”
Raw XML AppendixShowing 400 of 414 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/AccountsReceivableGrp/EOYAmt | 0 | 42796 |
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| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 33619 |
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| IRS990/Desc | 0 | CREDIT UNION - WE PROVIDE A WIDE VARIETY OF PERSONAL FINANCIAL SERVICES TO OUR MEMBERS FEATURING COMPETITIVE DIVIDEND RATES ON SAVINGS AND INVESTMENTS, COMPETITIVE RATES ON LOANS, AND OTHER PRODUCTS AND SERVICES. |
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| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CREDIT UNION PROGRAMS WHICH OFFER A WIDE VARIETY OF PERSONAL FINANCIAL SERVICES EXCLUSIVELY TO THEIR MEMBERS FEATURING COMPETITIVE DIVIDEND RATES ON INVESTMENTS, COMPETITIVE INTEREST RATES ON LOANS, AND OTHER PRODUCT AND SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 1500672 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1823556 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -119046 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -119046 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 88 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -7 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 10664 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 10664 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 134119 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 134119 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 194704 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 214380 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 43696 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 43696 |
| IRS990/OtherExpensesGrp/Desc | 0 | RENTAL MAINTENANCE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpensesGrp/Desc | 3 | EDUCATION TRAINING |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 37168 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 20099 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | -291708 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 6021 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 37168 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 20099 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | -291708 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 6021 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 14254565 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 15737990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | MISCELLANEOUS |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 28593 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 28593 |
| IRS990/OtherRevenueTotalAmt | 0 | 28593 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 223492 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 223492 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 10100345 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 10943533 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 6996 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 6996 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 27688 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 27688 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 7877 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 7877 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 55426 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 48969 |
| IRS990/PrincipalOfficerNm | 0 | SHARMON LENTH |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 900099 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INCOME FROM LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES AND CHARGES |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | UNRELATED BUSINESS INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 591570 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 388216 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 591570 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 388216 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 2100 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2100 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 19769 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 583728 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 993985 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 71611 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 358415 |
| IRS990/PYTotalExpensesAmt | 0 | 942143 |
| IRS990/PYTotalRevenueAmt | 0 | 1013754 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 322891 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 1500672 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1823556 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 3270323 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 3811789 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 216419 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 280742 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 497161 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 60896 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 383442 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 444338 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 119046 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 599030 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 185000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 185000 |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 119046 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 9153339 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 2060745 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 23292 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 124732 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 1575241 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 5 | 1404648 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 6 | 1395993 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Federal income taxes |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | CHRISTMAS CLUB |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | VACATION CLUB |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 5 | IRAs |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 6 | CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 7 | MMIF |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | -119046 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 13756 |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 2090025 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | Financial derivatives and other financial products |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | Closely-held equity interests |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 2 | SW CAPITAL ACCOUNT |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 3 | LONG TERM CERTIFICATES OF DEPOSIT |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | -119046 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1040967 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE IRC SECTION 501C14. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UBI TAX. UNRELATED BUSINESS INCOME MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2013, 2012, AND 2011 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | LOSSES FROM THE SALE OF OREO. THE LOSSES ARE REPORTED AS EXPENSE ON THE INCOME STATEMENT. HOWEVER, FOR 990 PURPOSES, THE LOSSES FROM SALES ARE REPORTED IN THE STATEMENT OF REVENUE. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 2 | LOSSES FROM THE SALE OF OREO. THE LOSSES ARE REPORTED AS EXPENSE ON THE INCOME STATEMENT. HOWEVER, FOR 990 PURPOSES, THE LOSSES FROM SALES ARE REPORTED IN THE STATEMENT OF REVENUE. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | X 2 |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | XI 4b |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | XII 2d |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 462315 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 2103781 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 599030 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 15737990 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 921921 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1040967 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 718076 |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HAS MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODYS 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | TAX FORMS ARE PREPARED BY THE TAX PREPARERS. A DRAFT COPY IS SENT TO THE CEO AND CONTROLLER FOR REVIEW. AFTER THE FINAL REVIEW IS COMPLETED THE CEO SIGNS OFF ON THE FINAL REPORT AND FILED WITH THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | EMPLOYEES ARE RESTRICTED FROM PROCESSING TRANSACTIONS ON THEIR OWN BEHALF OR FOR A FAMILY MEMBER. THERE ARE REGULAR REVIEWS OF THE ACTIVITY IN THE ACCOUNTS OF VOLUNTEERS AND EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | CREDIT UNION INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE TO SET SALARIES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15AB |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 15842480 |
| IRS990/TotalAssetsEOYAmt | 0 | 17876622 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 15842480 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 17876622 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 9 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 599030 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 599030 |
| IRS990/TotalGrossUBIAmt | 0 | 2100 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 14341808 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16053066 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 14341808 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16053066 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1500672 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1823556 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 981886 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 89124 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 919821 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 921921 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 2100 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 15842480 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 17876622 |
| IRS990/TravelGrp/ProgramServicesAmt | 0 | 2670 |
| IRS990/TravelGrp/TotalAmt | 0 | 2670 |
| IRS990/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | true |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 8916 SABAL INDUSTRIAL BLVD |
| IRS990/USAddress/CityNm | 0 | TAMPA |
| IRS990/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/USAddress/ZIPCd | 0 | 33619 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 5 |
| IRS990/VotingMembersIndependentCnt | 0 | 5 |
| IRS990/WebsiteAddressTxt | 0 | WWW.SERVICE1STCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | false |
| ReturnHeader/BuildTS | 0 | 2016-03-07 17:11:31Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SHARMON LENTH |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CEO |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-08-11 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | SERVICE 1ST CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | SERV |
| ReturnHeader/Filer/EIN | 0 | 590594973 |
| ReturnHeader/Filer/PhoneNum | 0 | 8136219631 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 8916 SABAL INDUSTRIAL BLVD |
| ReturnHeader/Filer/USAddress/CityNm | 0 | TAMPA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | FL |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $17,876,622
- Liabilities
- $16,053,066
- Net assets
- $1,823,556
- Revenue
- $921,921
- Expenses
- $599,030
- Net income
- $322,891
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