Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2016 • EIN 59-0626648

Jan 01, 2016 to Dec 31, 2016 • Filed on May 15, 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

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

55th percentile

18.87x

Higher debt load relative to revenue than 55% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

2nd percentile

-5.6%

Higher net margin than 2% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

44th percentile

$366,481

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

8th percentile

1.4%

Faster asset growth than 8% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

6th percentile

-1.0%

Faster revenue growth than 6% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$562,292,468

Up $7,524,144 (+1.4%) from 2015

Net Assets

Down

$49,331,583

Down $2,616,852 (-5.0%) from 2015

Liabilities

Up

$512,960,885

Up $10,140,996 (+2.0%) from 2015

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin2nd percentile

Revenue

Down

$27,179,472

Down $288,307 (-1.0%) from 2015

Expenses

Down

$28,696,664

Down $1,258,486 (-4.2%) from 2015

Net Income

Up

-$1,517,192

Up $970,179 (+39%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth8th 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

2016

Assets$562,292,468
Liabilities$512,960,885
Net Assets$49,331,583
Open 2016 Filing

Operations Trend

Revenue Growth6th 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

2016

Revenue$27,179,472
Expenses$28,696,664
Net Income-$1,517,192
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 15, 2017
Return Version
2016v3.1
Gross Receipts
$27,179,472
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$329,781,495$349,723,313▲ $19,941,818
Investments in Publicly Traded Securities$96,490,049$105,839,531▲ $9,349,482
Savings and Temporary Cash Investments$97,943,879$73,800,302▼ $24,143,577
Rtn Earn Endowment Incm Other Fnds$51,948,435$49,331,583▼ $2,616,852
Land, Buildings, and Equipment, Net$18,340,203$18,450,856▲ $110,653
Cash and Non-Interest-Bearing Accounts$4,176,268$4,117,428▼ $58,840
Total Assets$554,768,324$562,292,468▲ $7,524,144
Other Assets Total$8,036,430$10,361,038▲ $2,324,608
Liabilities
Other Liabilities$498,215,438$507,359,729▲ $9,144,291
Accounts Payable and Accrued Expenses$4,604,451$5,601,156▲ $996,705
Total Liabilities$502,819,889$512,960,885▲ $10,140,996
Net Assets / Fund Balance
Total Net Assets Fund Balance$51,948,435$49,331,583▼ $2,616,852
Total Liabilities and Net Assets / Fund Balance$554,768,324$562,292,468▲ $7,524,144

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,700,060$4,155,920$15,855,980
Equipment$1,294,825$3,928,568$5,223,393
Land$5,147,695-$5,147,695
Leasehold Improvements$181,925$168,024$349,949
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
George DavisCEOFT$352,846$13,635$366,481
Lauren JosephSVP OperatioFT$143,089$6,967$150,056
Lauren JosephSVP Operations-$143,089$20,602$150,056
Jodi PetrzalaVP of ConsumFT$117,081$13,951$131,032
Elenor WoodsVP of InforFT$116,761$7,814$124,575
Cynthia JonesVP of Comm &FT$115,636$5,902$121,538
Wegner MichaelCPA/CFO-$111,787$5,432$117,219
Jesse DeanVP of Comp &-$102,831$8,489$111,320

Board Members and Trustees

NameTitle
Charles ArnettChairman
Mark ZickefooseChairman
Daniel TatroSup Chairman
A Floyd BradleyDirector
Arthur BradleyDirector
Deborah CollinsDirector
Karen JohnsonDirector
Linda ShortDirector
Susan StuckerDirector
Carlene MullinCFO
Stephen HoeltkeSecretary
Brook HarrisonSup Committe
Robert BurkeSup Committe
William PostSup Committe
Danny GrantTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiserveData Proc.2600 MAITLAND CNTR PKWY, Maitland, FL 32751$1,372,291
United HealthcareHealth Ins490 E SOUTH ST, Orlando, FL 32801$1,311,947
EvolveipCloud ServicesPO BOX 1023, Southeastern, PA 19398-1023$475,827
D&h (1457)Cloud Service140 BROADWAY 40TH FLOOR, New York, NY 10005$389,685
At&tCommunitcationsPO BOX 5019, Carol Stream, IL 60197-5019$341,965
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$25,163,872
Investment Income
$2,015,600
Other Revenue
$0
Change in Net Assets
$-1,517,192
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$18,519,883
Salaries, Compensation, and Employee Benefits$10,176,781
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$7,470,929--$7,470,929
Other Employee Benefits$2,189,315--$2,189,315
Occupancy$2,165,960--$2,165,960
Other Expenses$2,149,639--$2,149,639
All Other Expenses$1,536,585--$1,536,585
Interest$1,325,997--$1,325,997
Current Officers, Directors, Trustees, and Key Employees$516,537--$516,537
Conferences and Meetings$77,677--$77,677
Total Functional Expenses$28,696,664$0$0$28,696,664
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$507,359,729
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
Doing Business As
Co Daniel Cole CPA

Signing Officer

Name
George Davis
Title
CEO
Phone
4076592740
Signed
2017-05-15
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
246

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

“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”

Form 990, Part XI, Line 9

“Change in unrealized gains and other comp income -1,099,660”

Raw XML AppendixShowing 400 of 511 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

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

Open filing
Assets
$562,292,468
Liabilities
$512,960,885
Net assets
$49,331,583
Revenue
$27,179,472
Expenses
$28,696,664
Net income
-$1,517,192
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
2016Detailed filing. Detailed filing data is available for this year.$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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