Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2019 • EIN 59-0626648

Jan 01, 2019 to Dec 31, 2019 • Filed on Nov 16, 2020

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

67th percentile

0.90x

Higher debt load relative to assets than 67% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Liabilities / Revenue

73rd percentile

18.08x

Higher debt load relative to revenue than 73% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Net Margin

29th percentile

10%

Higher net margin than 29% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Top Officer Pay

34th percentile

$363,614

Higher top officer pay than 34% of similar nonprofits.

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

2019 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2019

Asset Growth

8th percentile

0.3%

Faster asset growth than 8% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Revenue Growth

2nd percentile

-1.2%

Faster revenue growth than 2% of similar nonprofits.

2019 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets67th percentile

Assets

Up

$553,070,987

Up $1,854,240 (+0.3%) from 2018

Net Assets

Up

$55,396,643

Up $5,866,677 (+12%) from 2018

Liabilities

Down

$497,674,344

Down $4,012,437 (-0.8%) from 2018

Revenue And Expenses
Liabilities / Revenue73rd percentileNet Margin29th percentile

Revenue

Down

$27,530,703

Down $343,611 (-1.2%) from 2018

Expenses

Down

$24,750,028

Down $2,989,646 (-11%) from 2018

Net Income

Up

$2,780,675

Up $2,646,035 (+1965%) from 2018

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

2019

Assets$553,070,987
Liabilities$497,674,344
Net Assets$55,396,643
Open 2019 Filing

Operations Trend

Revenue Growth2nd 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

2019

Revenue$27,530,703
Expenses$24,750,028
Net Income$2,780,675
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 16, 2020
Return Version
2019v5.0
Gross Receipts
$27,692,486
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$337,839,019$310,663,345▼ $27,175,674
Investments in Publicly Traded Securities$135,675,417$141,505,096▲ $5,829,679
Savings and Temporary Cash Investments$43,576,715$66,595,429▲ $23,018,714
Rtn Earn Endowment Incm Other Fnds$49,529,966$55,396,643▲ $5,866,677
Land, Buildings, and Equipment, Net$13,019,171$11,750,930▼ $1,268,241
Cash and Non-Interest-Bearing Accounts$3,811,950$3,549,263▼ $262,687
Total Assets$551,216,747$553,070,987▲ $1,854,240
Other Assets Total$17,294,475$19,006,924▲ $1,712,449
Liabilities
Other Liabilities$496,535,451$491,587,081▼ $4,948,370
Accounts Payable and Accrued Expenses$5,151,330$6,087,263▲ $935,933
Total Liabilities$501,686,781$497,674,344▼ $4,012,437
Net Assets / Fund Balance
Total Net Assets Fund Balance$49,529,966$55,396,643▲ $5,866,677
Total Liabilities and Net Assets / Fund Balance$551,216,747$553,070,987▲ $1,854,240

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,394,278$3,117,708$9,511,986
Equipment$942,248$3,742,602$4,684,850
Land$4,308,888-$4,308,888
Leasehold Improvements$152,429$158,475$310,904
Other Land Buildings$-46,913$46,913-
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
George DavisCEOFT$349,553$14,061$363,614
Jesse DeanCROFT$134,922$10,179$145,101
Jodi PetralaCLOFT$129,204$14,098$143,302
Cynthia JonesCIOFT$126,780$15,872$142,652
Carlene L MullinCFOFT$119,193$20,381$139,574
Laura PanicaroVP of Ln. OpFT$103,703$11,253$114,956
Jonathan PetersonAvp of It AdFT$101,346$10,683$112,029
Lauren JosephVP of FaciliFT$93,600$6,502$100,102

Board Members and Trustees

NameTitle
Mark Zickefoose1st Chairman
Linda Short2nd Chairman
Charles ArnettChairman
A Floyd BradleyDirector
Arthur BradleyDirector
Karen JohnsonDirector
Norma HortonDirector
Stephen HoeltkeDirector
Susan StuckerDirector
Deborah CollinsSecretary
Danny GrantTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Certfied General ContractorsRenovations730 E STRAWBRIDGE AVE STE 100, Melbourne, FL 32901$3,273,707
FiserveData Proc.75 REMITTANCE DR SUITE 6959, Chicago, IL 60675$1,569,007
EvolveipCloud ServicesPO BOX 1023, Southeastern, PA 19398-1023$745,089
Cubus SolutionsOn Line Banking3049 -A INDEPENDENCE DR, Livermore, CA 94551$619,191
Finastra D&hComputer SoftwaPO BOX 535120, Atlanta, GA 30353-5120$265,630
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$27,105,832
Investment Income
$424,871
Other Revenue
$0
Change in Net Assets
$2,780,675
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,475,643
Salaries, Compensation, and Employee Benefits$11,274,385
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$8,110,077--$8,110,077
Other Employee Benefits$2,561,019--$2,561,019
Occupancy$2,123,604--$2,123,604
All Other Expenses$1,678,061--$1,678,061
Other Expenses$873,235--$873,235
Interest$803,704--$803,704
Current Officers, Directors, Trustees, and Key Employees$603,289--$603,289
Conferences and Meetings$135,956--$135,956
Total Functional Expenses$24,750,028$0$0$24,750,028
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$491,587,081
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 35% controlled entity
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
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
2020-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
George Davis
Formed
1935
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
8
Employees
9,787
Volunteers
4

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

“Unrealized gains 3,081,920 other comprehensive income 4,082 total 3,086,002”

Raw XML AppendixShowing 400 of 534 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt05151330
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06087263
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0INSIGHT 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.
IRS990/AllOtherExpensesGrp/ProgramServicesAmt01678061
IRS990/AllOtherExpensesGrp/TotalAmt01678061
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0CARLENE MULLIN
IRS990/BooksInCareOfDetail/PhoneNum04076592740
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 4900
IRS990/BooksInCareOfDetail/USAddress/CityNm0ORLANDO
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032802
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt03811950
IRS990/CashNonInterestBearingGrp/EOYAmt03549263
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt019
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0603289
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0603289
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0135956
IRS990/ConferencesMeetingsGrp/TotalAmt0135956
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0true
IRS990/ContractorCompensationGrp/CompensationAmt03273707
IRS990/ContractorCompensationGrp/CompensationAmt11569007
IRS990/ContractorCompensationGrp/CompensationAmt2745089
IRS990/ContractorCompensationGrp/CompensationAmt3619191
IRS990/ContractorCompensationGrp/CompensationAmt4265630
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0730 E STRAWBRIDGE AVE STE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt175 REMITTANCE DR SUITE 6959
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 1023
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt33049 -A INDEPENDENCE DR
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt4PO BOX 535120
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MELBOURNE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2SOUTHEASTERN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3LIVERMORE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4ATLANTA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd032901
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160675
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd2193981023
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd394551
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd4303535120
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0CERTFIED GENERAL CONTRACTORS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1FISERVE
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2EVOLVEIP
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3CUBUS SOLUTIONS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4FINASTRA D&H
IRS990/ContractorCompensationGrp/ServicesDesc0RENOVATIONS
IRS990/ContractorCompensationGrp/ServicesDesc1DATA PROC.
IRS990/ContractorCompensationGrp/ServicesDesc2CLOUD SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc3ON LINE BANKING
IRS990/ContractorCompensationGrp/ServicesDesc4COMPUTER SOFTWA
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0424871
IRS990/CYOtherExpensesAmt013475643
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt027105832
IRS990/CYRevenuesLessExpensesAmt02780675
IRS990/CYSalariesCompEmpBnftPaidAmt011274385
IRS990/CYTotalExpensesAmt024750028
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt027530703
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0CO DANIEL COLE CPA
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt09787
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt145.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt245.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt345.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt445.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt545.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt645.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt745.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt151.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt161.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt171.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt181.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt014061
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110179
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt214098
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt315872
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt420381
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt511253
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt610683
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt76502
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt180
IRS990/Form990PartVIISectionAGrp/PersonNm0GEORGE DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm1JESSE DEAN
IRS990/Form990PartVIISectionAGrp/PersonNm2JODI PETRALA
IRS990/Form990PartVIISectionAGrp/PersonNm3CYNTHIA JONES
IRS990/Form990PartVIISectionAGrp/PersonNm4CARLENE L MULLIN
IRS990/Form990PartVIISectionAGrp/PersonNm5LAURA PANICARO
IRS990/Form990PartVIISectionAGrp/PersonNm6JONATHAN PETERSON
IRS990/Form990PartVIISectionAGrp/PersonNm7LAUREN JOSEPH
IRS990/Form990PartVIISectionAGrp/PersonNm8CHARLES ARNETT
IRS990/Form990PartVIISectionAGrp/PersonNm9A FLOYD BRADLEY
IRS990/Form990PartVIISectionAGrp/PersonNm10ARTHUR BRADLEY
IRS990/Form990PartVIISectionAGrp/PersonNm11DEBORAH COLLINS
IRS990/Form990PartVIISectionAGrp/PersonNm12DANNY GRANT
IRS990/Form990PartVIISectionAGrp/PersonNm13STEPHEN HOELTKE
IRS990/Form990PartVIISectionAGrp/PersonNm14NORMA HORTON
IRS990/Form990PartVIISectionAGrp/PersonNm15KAREN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm16LINDA SHORT
IRS990/Form990PartVIISectionAGrp/PersonNm17SUSAN STUCKER
IRS990/Form990PartVIISectionAGrp/PersonNm18MARK ZICKEFOOSE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0349553
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1134922
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2129204
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3126780
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4119193
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5103703
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6101346
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt793600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CRO
IRS990/Form990PartVIISectionAGrp/TitleTxt2CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt3CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt4CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt5VP OF LN. OP
IRS990/Form990PartVIISectionAGrp/TitleTxt6AVP OF IT AD
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP OF FACILI
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt162ND CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt181ST CHAIRMAN
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01935
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0520383
IRS990/GainOrLossGrp/SecuritiesAmt0-95512
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt08
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0521038
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt065616
IRS990/GrossReceiptsAmt027692486
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InterestGrp/ProgramServicesAmt0803704
IRS990/InterestGrp/TotalAmt0803704
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0135675417
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0141505096
IRS990/IRPDocumentCnt0241
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07065698
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013019171
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011750930
IRS990/LandBldgEquipCostOrOtherBssAmt018816628
IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0655
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0161128
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0INSIGHT 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt049529966
IRS990/NetAssetsOrFundBalancesEOYAmt055396643
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0424871
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0424871
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt02123604
IRS990/OccupancyGrp/TotalAmt02123604
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017294475
IRS990/OtherAssetsTotalGrp/EOYAmt019006924
IRS990/OtherChangesInNetAssetsAmt03086002
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt02561019
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02561019
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL FEES
IRS990/OtherExpensesGrp/Desc1OFFICE OPERATIONS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc3FRAUD EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt03808659
IRS990/OtherExpensesGrp/ProgramServicesAmt12647351
IRS990/OtherExpensesGrp/ProgramServicesAmt21405073
IRS990/OtherExpensesGrp/ProgramServicesAmt3873235
IRS990/OtherExpensesGrp/TotalAmt03808659
IRS990/OtherExpensesGrp/TotalAmt12647351
IRS990/OtherExpensesGrp/TotalAmt21405073
IRS990/OtherExpensesGrp/TotalAmt3873235
IRS990/OtherLiabilitiesGrp/BOYAmt0496535451
IRS990/OtherLiabilitiesGrp/EOYAmt0491587081
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt08110077
IRS990/OtherSalariesAndWagesGrp/TotalAmt08110077
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0337839019
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0310663345
IRS990/PartialLiquidationInd0false
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0GEORGE DAVIS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0525990
IRS990/ProgramServiceRevenueGrp/BusinessCd1525990
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3UNRELATED BUSINESS INCOME
IRS990/ProgramServiceRevenueGrp/Desc4NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018619185
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt14510939
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt23624015
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018619185
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt14510939
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23624015
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3305712
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt445981
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0305712
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt145981
IRS990/ProgSrvcAccomActy2Grp/Desc0FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES
IRS990/ProgSrvcAccomActy3Grp/Desc0EARNINGS FROM THE INVESTMENTS. THE EXCESS OF FUNDS RECEIVED FROM MEMBERS, OVER THE AMOUNT LOANDED TO MEMBERS, AS WELL AS ACCUMULATED SURPLUSE, IS INVESTED IN SECURITIES ALLOWED BY THE NCUA, AND THE CREDIT UNION'S GOVERNING DOCUMENTS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt03411667
IRS990/PYOtherExpensesAmt016921044
IRS990/PYProgramServiceRevenueAmt024462647
IRS990/PYRevenuesLessExpensesAmt0134640
IRS990/PYSalariesCompEmpBnftPaidAmt010818630
IRS990/PYTotalExpensesAmt027739674
IRS990/PYTotalRevenueAmt027874314
IRS990/ReconcilationRevenueExpnssAmt02780675
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0true
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt049529966
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt055396643
IRS990/SavingsAndTempCashInvstGrp/BOYAmt043576715
IRS990/SavingsAndTempCashInvstGrp/EOYAmt066595429
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt06394278
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03117708
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09511986
IRS990ScheduleD/EquipmentGrp/BookValueAmt0942248
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03742602
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04684850
IRS990ScheduleD/LandGrp/BookValueAmt04308888
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04308888
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0152429
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0158475
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0310904
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0-46913
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt046913
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0491587081
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt011750930
IRS990ScheduleD/TotalLiabilityAmt0491587081
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0349553
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt014061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0GEORGE DAVIS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0363614
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SubstantiationRequiredInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 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.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$553,070,987
Liabilities
$497,674,344
Net assets
$55,396,643
Revenue
$27,530,703
Expenses
$24,750,028
Net income
$2,780,675
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
2019Detailed filing. Detailed filing data is available for this year.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2019 filings • 501(c)14 • $250M-$1B nonprofits