Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2015 • EIN 59-0626648

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 26, 2017

Organization ProfileWWW.INSIGHTFINANCIALCU.COM

View Organization Page

P O Box 4900Orlando, FL 32082

(407) 659-2740

Siviq Scores

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

Liabilities / Assets

71st percentile

0.91x

Higher debt load relative to assets than 71% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

50th percentile

18.31x

Higher debt load relative to revenue than 50% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

1st percentile

-9.1%

Higher net margin than 1% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

49th percentile

$382,824

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

78th percentile

9.9%

Faster asset growth than 78% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

19th percentile

0.8%

Faster revenue growth than 19% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets71st percentile

Assets

Up

$554,768,324

Up $49,859,661 (+9.9%) from 2014

Net Assets

Down

$51,948,435

Down $2,809,640 (-5.1%) from 2014

Liabilities

Up

$502,819,889

Up $52,669,301 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin1st percentile

Revenue

Up

$27,467,779

Up $214,263 (+0.8%) from 2014

Expenses

Up

$29,955,150

Up $6,103,023 (+26%) from 2014

Net Income

Down

-$2,487,371

Down $5,888,760 (-173%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

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

$800M$600M$400M$200M$0Assets 2010: $447,757,548Liabilities 2010: $404,537,213Net Assets 2010: $43,220,3352010Assets 2011: $435,531,196Liabilities 2011: $390,464,357Net Assets 2011: $45,066,8392011Assets 2012: $451,552,205Liabilities 2012: $402,717,190Net Assets 2012: $48,835,0152012Assets 2013: $463,864,396Liabilities 2013: $414,950,812Net Assets 2013: $48,913,5842013Assets 2014: $504,908,663Liabilities 2014: $450,150,588Net Assets 2014: $54,758,0752014Assets 2015: $554,768,324Liabilities 2015: $502,819,889Net Assets 2015: $51,948,4352015Assets 2016: $562,292,468Liabilities 2016: $512,960,885Net Assets 2016: $49,331,5832016Assets 2017: $562,818,449Liabilities 2017: $511,978,290Net Assets 2017: $50,840,1592017Assets 2018: $551,216,747Liabilities 2018: $501,686,781Net Assets 2018: $49,529,9662018Assets 2019: $553,070,987Liabilities 2019: $497,674,344Net Assets 2019: $55,396,6432019Assets 2020: $623,371,735Liabilities 2020: $564,088,089Net Assets 2020: $59,283,6462020Assets 2021: $694,415,445Liabilities 2021: $640,815,995Net Assets 2021: $53,599,4502021Assets 2022: $687,612,427Liabilities 2022: $661,164,086Net Assets 2022: $26,448,3412022Assets 2023: $670,264,151Liabilities 2023: $643,454,702Net Assets 2023: $26,809,4492023Assets 2024: $685,975,667Liabilities 2024: $655,291,312Net Assets 2024: $30,684,3552024Assets 2025: $659,248,205Liabilities 2025: $620,092,955Net Assets 2025: $39,155,2502025

Highlighted filing

2015

Assets$554,768,324
Liabilities$502,819,889
Net Assets$51,948,435
Open 2015 Filing

Operations Trend

Revenue Growth19th percentile

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $32,199,3282010Expenses 2011: $28,498,6172011Expenses 2012: $24,710,2782012Revenue 2013: $27,407,116Expenses 2013: $24,129,604Net Income 2013: $3,277,5122013Revenue 2014: $27,253,516Expenses 2014: $23,852,127Net Income 2014: $3,401,3892014Revenue 2015: $27,467,779Expenses 2015: $29,955,150Net Income 2015: -$2,487,3712015Revenue 2016: $27,179,472Expenses 2016: $28,696,664Net Income 2016: -$1,517,1922016Revenue 2017: $27,839,144Expenses 2017: $27,119,570Net Income 2017: $719,5742017Revenue 2018: $27,874,314Expenses 2018: $27,739,674Net Income 2018: $134,6402018Revenue 2019: $27,530,703Expenses 2019: $24,750,028Net Income 2019: $2,780,6752019Revenue 2020: $25,976,857Expenses 2020: $23,698,386Net Income 2020: $2,278,4712020Revenue 2021: $22,918,572Expenses 2021: $20,852,595Net Income 2021: $2,065,9772021Revenue 2022: $24,146,976Expenses 2022: $20,369,837Net Income 2022: $3,777,1392022Revenue 2023: $31,327,804Expenses 2023: $28,712,884Net Income 2023: $2,614,9202023Revenue 2024: $36,815,869Expenses 2024: $33,025,125Net Income 2024: $3,790,7442024Revenue 2025: $33,176,746Expenses 2025: $33,837,460Net Income 2025: -$660,7142025

Highlighted filing

2015

Revenue$27,467,779
Expenses$29,955,150
Net Income-$2,487,371
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 26, 2017
Return Version
2015v3.0
Gross Receipts
$27,467,779
Mission and Program Overview

Mission

Insight financial credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to member; at advantageous rates over those generally available from other banking sources.

Insight financial credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to member; at advantages rates over those generally available from other banking sources.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$341,670,007$329,781,495▼ $11,888,512
Savings and Temporary Cash Investments$24,638,098$97,943,879▲ $73,305,781
Investments in Publicly Traded Securities$104,930,686$96,490,049▼ $8,440,637
Rtn Earn Endowment Incm Other Fnds$54,758,075$51,948,435▼ $2,809,640
Land, Buildings, and Equipment, Net$20,415,263$18,340,203▼ $2,075,060
Cash and Non-Interest-Bearing Accounts$4,061,763$4,176,268▲ $114,505
Total Assets$504,908,663$554,768,324▲ $49,859,661
Other Assets Total$9,192,846$8,036,430▼ $1,156,416
Liabilities
Other Liabilities$443,755,013$498,215,438▲ $54,460,425
Accounts Payable and Accrued Expenses$6,395,575$4,604,451▼ $1,791,124
Total Liabilities$450,150,588$502,819,889▲ $52,669,301
Net Assets / Fund Balance
Total Net Assets Fund Balance$54,758,075$51,948,435▼ $2,809,640
Total Liabilities and Net Assets / Fund Balance$504,908,663$554,768,324▲ $49,859,661

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,233,192-$11,233,192
Land$5,147,695-$5,147,695
Equipment$1,742,235-$1,742,235
Leasehold Improvements$217,081-$217,081
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
George DavisCEOFT$367,498$15,326$382,824
Lauren JosephSVP OperatioFT$141,953$6,522$148,475
Carlene MullinCFOFT$144,934-$144,934
Elenor WoodsVP of InforFT$122,412$14,556$136,968
Cynthia JonesVP of Comm &FT$107,962$11,282$119,244
Jodi PetrzalaVP of ConsumFT$102,253$13,649$115,902
Jesse DeanVP of Comp &FT$102,439$9,501$111,940
Robert BurkeSup Committe-$1,726-$1,726
Michele HoppenstedtSup Committe-$1,579-$1,579
Susan StuckerDirector-$1,574-$1,574
Karen JohnsonDirector-$1,245-$1,245
Mark ZickefooseDirector-$847-$847
Charles ArnettChairmanPT$715-$715
Deborah CollinsSup Committe-$455-$455
Norma HortonDirector-$369-$369

Board Members and Trustees

NameTitle
A Floyd BradleyDirector
Arthur BradleyDirector
Linda ShortDirector
Stephen HoeltkeSecretary
Daniel TatroSup Committe
Gail WeidnerSup Committe
Danny GrantTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
United HealthcareHealth Ins490 E SOUTH ST, Orlando, FL 32801$1,302,761
FiserveData Proc.2600 MAITLAND CNTR PKWY, Maitland, FL 32751$1,271,744
D&h (1457)Cloud Service140 BROADWAY 40TH FLOOR, New York, NY 10005$397,212
EquifaxCreditPO BOX 740241, Atlanta, GA 30374$316,295
Cuna Mutual GroupInsuranceBOX 2964, Milwaukee, WI 53201-2964$222,027
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$25,833,630
Investment Income
$1,634,149
Other Revenue
$0
Change in Net Assets
$-2,487,371
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$19,584,440
Salaries, Compensation, and Employee Benefits$10,370,710
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$7,421,514--$7,421,514
Other Employee Benefits$2,272,964--$2,272,964
Other Expenses$2,190,434--$2,190,434
Occupancy$2,176,158--$2,176,158
Interest$2,014,343--$2,014,343
All Other Expenses$1,878,352--$1,878,352
Current Officers, Directors, Trustees, and Key Employees$676,232--$676,232
Conferences and Meetings$160,979--$160,979
Total Functional Expenses$29,955,150$0$0$29,955,150
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
Member Share Accounts$498,215,438
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, Page 6, Part VI, Line 6

“Credit union has members. Membership is available to anyone that meets the field of membership qualifications per the governing documents.”

Form 990, Page 6, Part VI, Line 7A

“Yes- the credit union's board of directors are elected by members.”

Form 990, Page 6, Part VI, Line 7B

“Yes, certain decisions would be approved by membership.”

Form 990, Page 6, Part VI, Line 11B

“Board of directors reviews form 990 at regularly scheduled meeting.”

Form 990, Page 6, Part VI, Line 12C

“Yes, a conflicts of interest policy is actively enforced.”

Form 990, Page 6, Part VI, Line 15A

“Compensation for ceo, directors, and top management officials is subject to review and approval by board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Yes, other officers and key employees compensation is subject to review by ceo within guidelines approved by board of directors.”

Form 990, Page 6, Part VI, Line 19

“Bylaws and governing documents are made available to all members upon request. Financial information is available to the public from ncua.”

Filing and Contact Details

Filer

Filer Name
Insight Credit Union
EIN
59-0626648
Phone
4076592740
Address
P O BOX 4900, ORLANDO, FL 32082

Signing Officer

Name
George Davis
Title
CEO
Phone
4076592740
Signed
2017-03-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Davis
Formed
1935
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
210

Preparer

Firm
Schwartz Cole and Associates LLC
Address
11776 W SAMPLE RD STE 106, CORAL SPRINGS, FL 33065-3180
Preparer
Daniel J Cole
Phone
9547551760
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Item B

“Prior return did not have complete compensation information in error. This return corrects.”

Form 990

“The credit union does offer discounted loans to employees. Upon completion an employees probationary 90 day period, they can receive a 1% discounted loan rate off of prevailing market interest rates on all mortgage and consumer loans. Upon termination/resignation the loan reverts to normal market rates without the discount.”

Form 990, Part XI

“The adjustment to net equity was from fasb 115 adjustments to unrealized gains and losses of securities held by the credit union”

Raw XML AppendixShowing 400 of 502 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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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$554,768,324
Liabilities
$502,819,889
Net assets
$51,948,435
Revenue
$27,467,779
Expenses
$29,955,150
Net income
-$2,487,371
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$659$620$39.2$33.2$33.8$0.66
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$686$655$30.7$36.8$33.0$3.79
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$670$643$26.8$31.3$28.7$2.61
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$688$661$26.4$24.1$20.4$3.78
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$694$641$53.6$22.9$20.9$2.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$623$564$59.3$26.0$23.7$2.28
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$553$498$55.4$27.5$24.8$2.78
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$551$502$49.5$27.9$27.7$0.13
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$563$512$50.8$27.8$27.1$0.72
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$562$513$49.3$27.2$28.7$1.52
2015Detailed filing. Detailed filing data is available for this year.$555$503$51.9$27.5$30.0$2.49
2014Detailed filing. Detailed filing data is available for this year.$505$450$54.8$27.3$23.9$3.40
2013Detailed filing. Detailed filing data is available for this year.$464$415$48.9$27.4$24.1$3.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$452$403$48.8$24.7
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$436$390$45.1$28.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$448$405$43.2$32.2
Peer Organizations

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