Civic Intelligence

First Coast Community Credit Union

EIN 59-0642953 • 501(c)14 • Palatka, FL

View Organization Page

Profile

Delivering dreams through simplified financial services.

306 S Palm AvenuePalatka, FL 32177

www.firstcoastcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

27th percentile

0.87x

Higher debt load relative to assets than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

17.57x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

78th percentile

19%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

91st percentile

$457,748

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

14th percentile

-2.5%

Faster asset growth than 14% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

39th percentile

11%

Faster revenue growth than 39% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets27th percentile

Assets

Down

$146,696,091

Down $3,798,611 (-2.5%) from 2023

Liabilities

Down

$128,038,774

Down $5,195,694 (-3.9%) from 2023

Net Assets

Up

$18,657,317

Up $1,397,083 (+8.1%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin78th percentile

Revenue

Up

$7,287,547

Up $718,253 (+11%) from 2023

Expenses

Up

$5,890,464

Up $805,553 (+16%) from 2023

Net Income

Down

$1,397,083

Down $87,300 (-5.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $73,126,596Liabilities 2010: $63,331,278Net Assets 2010: $9,795,3182010Assets 2011: $96,523,996Liabilities 2011: $85,466,993Net Assets 2011: $11,057,0032011Assets 2012: $99,327,783Liabilities 2012: $87,878,466Net Assets 2012: $11,449,3172012Assets 2013: $99,103,851Liabilities 2013: $87,433,625Net Assets 2013: $11,670,2262013Assets 2014: $102,970,359Liabilities 2014: $90,982,373Net Assets 2014: $11,987,9862014Assets 2015: $108,713,389Liabilities 2015: $96,257,031Net Assets 2015: $12,456,3582015Assets 2016: $110,295,145Liabilities 2016: $97,592,993Net Assets 2016: $12,702,1522016Assets 2017: $115,014,330Liabilities 2017: $101,926,659Net Assets 2017: $13,087,6712017Assets 2018: $108,174,526Liabilities 2018: $95,209,968Net Assets 2018: $12,964,5582018Assets 2019: $109,294,719Liabilities 2019: $95,151,243Net Assets 2019: $14,143,4762019Assets 2020: $129,298,124Liabilities 2020: $114,277,129Net Assets 2020: $15,020,9952020Assets 2021: $146,891,829Liabilities 2021: $131,451,493Net Assets 2021: $15,440,3362021Assets 2022: $155,934,171Liabilities 2022: $139,887,446Net Assets 2022: $16,046,7252022Assets 2023: $150,494,702Liabilities 2023: $133,234,468Net Assets 2023: $17,260,2342023Assets 2024: $146,696,091Liabilities 2024: $128,038,774Net Assets 2024: $18,657,3172024

Highlighted filing

2024

Assets$146,696,091
Liabilities$128,038,774
Net Assets$18,657,317
Open 2024 Filing

Operations Trend

Revenue Growth39th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,251,3802010Revenue 2011: $5,491,697Expenses 2011: $5,189,032Net Income 2011: $302,6652011Expenses 2012: $4,522,8712012Revenue 2013: $4,989,438Expenses 2013: $4,768,005Net Income 2013: $221,4332013Revenue 2014: $4,660,527Expenses 2014: $4,342,767Net Income 2014: $317,7602014Revenue 2015: $4,617,472Expenses 2015: $4,149,100Net Income 2015: $468,3722015Revenue 2016: $4,657,849Expenses 2016: $4,412,055Net Income 2016: $245,7942016Revenue 2017: $5,012,133Expenses 2017: $4,626,614Net Income 2017: $385,5192017Revenue 2018: $5,310,005Expenses 2018: $5,433,118Net Income 2018: -$123,1132018Revenue 2019: $5,582,382Expenses 2019: $4,403,464Net Income 2019: $1,178,9182019Revenue 2020: $5,204,690Expenses 2020: $4,327,171Net Income 2020: $877,5192020Revenue 2021: $4,814,892Expenses 2021: $4,395,551Net Income 2021: $419,3412021Revenue 2022: $5,329,757Expenses 2022: $4,723,368Net Income 2022: $606,3892022Revenue 2023: $6,569,294Expenses 2023: $5,084,911Net Income 2023: $1,484,3832023Revenue 2024: $7,287,547Expenses 2024: $5,890,464Net Income 2024: $1,397,0832024

Highlighted filing

2024

Revenue$7,287,547
Expenses$5,890,464
Net Income$1,397,083
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$146,696,091
Liabilities
$128,038,774
Net assets
$18,657,317
Revenue
$7,287,547
Expenses
$5,890,464
Net income
$1,397,083
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$128$18.7$7.29$5.89$1.40
2023Summary only. Only limited summary data is available for this year.$150$133$17.3$6.57$5.08$1.48
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$156$140$16.0$5.33$4.72$0.61
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$147$131$15.4$4.81$4.40$0.42
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$114$15.0$5.20$4.33$0.88
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$109$95.2$14.1$5.58$4.40$1.18
2018Summary only. Only limited summary data is available for this year.$108$95.2$13.0$5.31$5.43$0.12
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$115$102$13.1$5.01$4.63$0.39
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$97.6$12.7$4.66$4.41$0.25
2015Detailed filing. Detailed filing data is available for this year.$109$96.3$12.5$4.62$4.15$0.47
2014Detailed filing. Detailed filing data is available for this year.$103$91.0$12.0$4.66$4.34$0.32
2013Detailed filing. Detailed filing data is available for this year.$99.1$87.4$11.7$4.99$4.77$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$99.3$87.9$11.4$4.52
2011Summary only. Only limited summary data is available for this year.$96.5$85.5$11.1$5.49$5.19$0.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$73.1$63.3$9.80$4.25
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 16, 2025
Return Version
2024v5.2
Gross Receipts
$7,287,547
Mission and Program Overview

Mission

Delivering dreams through simplified financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$49,522,246$48,480,390▼ $1,041,856
Investments Other Securities$38,201,976$45,447,976▲ $7,246,000
Savings and Temporary Cash Investments$33,860,850$24,980,173▼ $8,880,677
Rtn Earn Endowment Incm Other Fnds$17,260,234$18,657,317▲ $1,397,083
Investments in Publicly Traded Securities$19,500,000$17,749,792▼ $1,750,208
Land, Buildings, and Equipment, Net$2,416,438$2,595,745▲ $179,307
Cash and Non-Interest-Bearing Accounts$2,075,861$2,276,228▲ $200,367
Intangible Assets$1,901,281$1,901,281→ $0
Prepaid Expenses and Deferred Charges$184,464$251,934▲ $67,470
Accounts Receivable$87,333$50,705▼ $36,628
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$150,494,702$146,696,091▼ $3,798,611
Other Assets Total$2,744,253$2,961,867▲ $217,614
Liabilities
Other Liabilities$130,959,376$126,664,760▼ $4,294,616
Accounts Payable and Accrued Expenses$2,275,092$1,374,014▼ $901,078
Total Liabilities$133,234,468$128,038,774▼ $5,195,694
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,260,234$18,657,317▲ $1,397,083
Total Liabilities and Net Assets / Fund Balance$150,494,702$146,696,091▼ $3,798,611

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,234,752$1,697,587$2,932,339
Equipment$358,609$2,311,381$2,669,990
Land$1,002,384-$1,002,384
Other Securities$884,976--
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gretchen LunsfordCEOFT$188,693$269,055$457,748
Sandra PrevattEvpFT$143,658$115,603$259,261

Board Members and Trustees

NameTitle
James Norwood JrChairperson
Rudy HowardVice Chairperson
Betty PoteetBod Member
Linda OsborneBod Member
Matt ReynoldsBod Member
Candy RigdonSecretary
Cathy MerrittTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesSoftware SupportPO BOX 65708, Monett, MO 65708$464,674
Tridata INCAtm Purchases300 TOWNPARK DR NW SUITE 110, Kennesaw, GA 30144$148,310
Glory GlobalCdr Coin Machine Purchase/maintDEPT CH 16630, Palatine, IL 60055$137,228
Connect FssData ProcessingPO BOX 923, Sandy, UT 84091$128,503
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,705,805
Investment Income
$2,581,742
Other Revenue
$0
Change in Net Assets
$1,397,083

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,287,547
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$7,287,547
Total Revenue per Form 990
$7,287,547
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,310,397
Salaries, Compensation, and Employee Benefits$2,580,067
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,316,379
Interest---$649,212
Current Officers, Directors, Trustees, and Key Employees---$575,938
Fees for Services Accounting---$494,695
Office Expenses---$426,304
Other Employee Benefits---$419,234
Information Technology---$316,693
Depreciation Depletion---$241,353
Insurance---$199,752
Occupancy---$138,909
Payroll Taxes---$135,303
Pension Plan Contributions---$133,213
All Other Expenses---$75,158
Other Expenses---$73,680
Travel---$66,815
Advertising---$64,065
Fees for Services Legal---$43,356
Total Functional Expenses$0$0$0$5,890,464

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,890,464
Total Expenses per Audited Statements$5,890,464
Total Expenses per Form 990$5,890,464
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Deposits - Shares$69,677,407
Member Deposits - Checking$28,588,111
Member Deposits - Certificates$9,790,650
Member Deposits - Other$5,898,820
Member Deposits - Ira$4,553,254
Member Deposits - Ira Certificates$4,369,837
Member Deposits - Money Market$3,786,681
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
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members.”

Form 990, Part VI, Section A, Line 7A

“The membership can vote on board seats if a board member is not sat by acclamation.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's 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 11B

“Initial review of the form 990 is done by sandra prevatt, evp. It is then submitted to the ceo, gretchen lunsford, for final review and approval.”

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

“The executive vice president, under the direction of the president/ceo monitors compliance with the conflict of interest policy for first coast community credit union. This includes vendor management, employee training and monitoring of employee transactions. All new employees are given a conflict of interest policy as part of the code of conduct.”

Form 990, Part VI, Section B, Line 15

“The compensation of the ceo is subject to a board review annually and is based on an executive compensation survey from an independent third party. The salaries of other officers and employees are determined by utilizing the cuna mutual group salary survey based on credit union asset size and market analysis.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents and conflict of interest policy are not made available to the public. Financial statements are made available on the ncua's website via the 5300 filing.”

Filing and Contact Details

Filer

Filer Name
First Coast Community Credit Union
EIN
59-0642953
Phone
3863285555
Address
306 S PALM AVENUE, PALATKA, FL 32177

Signing Officer

Name
Gretchen Lunsford
Title
CEO
Phone
3863285555
Signed
2025-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gretchen Lunsford
Formed
1948
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
44
Volunteers
7

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“Miscellaneous expense 57,899. Training 17,259.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 469 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02275092
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01374014
IRS990/AccountsReceivableGrp/BOYAmt087333
IRS990/AccountsReceivableGrp/EOYAmt050705
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES.
IRS990/AdvertisingGrp/TotalAmt064065
IRS990/AllOtherExpensesGrp/TotalAmt075158
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0GRETCHEN LUNSFORD
IRS990/BooksInCareOfDetail/PhoneNum03863285555
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0306 SOUTH PALM AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0PALATKA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032177
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02075861
IRS990/CashNonInterestBearingGrp/EOYAmt02276228
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt04
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0575938
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0464674
IRS990/ContractorCompensationGrp/CompensationAmt1148310
IRS990/ContractorCompensationGrp/CompensationAmt2137228
IRS990/ContractorCompensationGrp/CompensationAmt3128503
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 65708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1300 TOWNPARK DR NW SUITE 110
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2DEPT CH 16630
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 923
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1KENNESAW
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3SANDY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3UT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd065708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd130144
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd384091
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0JACK HENRY & ASSOCIATES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1TRIDATA INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2GLORY GLOBAL
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3CONNECT FSS
IRS990/ContractorCompensationGrp/ServicesDesc0SOFTWARE SUPPORT
IRS990/ContractorCompensationGrp/ServicesDesc1ATM PURCHASES
IRS990/ContractorCompensationGrp/ServicesDesc2CDR COIN MACHINE PURCHASE/MAINT
IRS990/ContractorCompensationGrp/ServicesDesc3DATA PROCESSING
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt02581742
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IRS990/CYOtherRevenueAmt00
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IRS990/CYTotalExpensesAmt05890464
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07287547
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
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IRS990/Desc0INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt044
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0494695
IRS990/FeesForServicesLegalGrp/TotalAmt043356
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt739949
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt838093
IRS990/Form990PartVIISectionAGrp/PersonNm0JAMES NORWOOD JR
IRS990/Form990PartVIISectionAGrp/PersonNm1RUDY HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm2CANDY RIGDON
IRS990/Form990PartVIISectionAGrp/PersonNm3CATHY MERRITT
IRS990/Form990PartVIISectionAGrp/PersonNm4LINDA OSBORNE
IRS990/Form990PartVIISectionAGrp/PersonNm5BETTY POTEET
IRS990/Form990PartVIISectionAGrp/PersonNm6MATT REYNOLDS
IRS990/Form990PartVIISectionAGrp/PersonNm7GRETCHEN LUNSFORD
IRS990/Form990PartVIISectionAGrp/PersonNm8SANDRA PREVATT
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8221168
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IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP
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IRS990/Form990TFiledInd01
IRS990/FormationYr01948
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07287547
IRS990/GroupExemptionNum02106
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0316693
IRS990/InsuranceGrp/TotalAmt0199752
IRS990/IntangibleAssetsGrp/BOYAmt01901281
IRS990/IntangibleAssetsGrp/EOYAmt01901281
IRS990/InterestGrp/TotalAmt0649212
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02581742
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02581742
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt045447976
IRS990/InvestmentsPubTradedSecGrp/BOYAmt019500000
IRS990/InvestmentsPubTradedSecGrp/EOYAmt017749792
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IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04008968
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02416438
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02595745
IRS990/LandBldgEquipCostOrOtherBssAmt06604713
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IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt017260234
IRS990/NetAssetsOrFundBalancesEOYAmt018657317
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0138909
IRS990/OfficeExpensesGrp/TotalAmt0426304
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02744253
IRS990/OtherAssetsTotalGrp/EOYAmt02961867
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0419234
IRS990/OtherExpensesGrp/Desc0MAINTENANCE AND REPAIRS
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2VISA EXPENSES
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0291995
IRS990/OtherExpensesGrp/TotalAmt1137056
IRS990/OtherExpensesGrp/TotalAmt291354
IRS990/OtherExpensesGrp/TotalAmt373680
IRS990/OtherLiabilitiesGrp/BOYAmt0130959376
IRS990/OtherLiabilitiesGrp/EOYAmt0126664760
IRS990/OtherSalariesAndWagesGrp/TotalAmt01316379
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt049522246
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt048480390
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0135303
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0133213
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0184464
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0251934
IRS990/PrincipalOfficerNm0GRETCHEN LUNSFORD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INCOME FROM LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE & INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03238657
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11439399
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03238657
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11439399
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt227749
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt027749
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02201294
IRS990/PYOtherExpensesAmt02759505
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04368000
IRS990/PYRevenuesLessExpensesAmt01484383
IRS990/PYSalariesCompEmpBnftPaidAmt02325406
IRS990/PYTotalExpensesAmt05084911
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06569294
IRS990/ReconcilationRevenueExpnssAmt01397083
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017260234
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018657317
IRS990/SavingsAndTempCashInvstGrp/BOYAmt033860850
IRS990/SavingsAndTempCashInvstGrp/EOYAmt024980173
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01234752
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01697587
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02932339
IRS990ScheduleD/EquipmentGrp/BookValueAmt0358609
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02311381
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02669990
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05890464
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01002384
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01002384
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt069677407
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt128588111
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23786681
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt34553254
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt49790650
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt54369837
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65898820
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS - SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSITS - CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MEMBER DEPOSITS - MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3MEMBER DEPOSITS - IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MEMBER DEPOSITS - CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5MEMBER DEPOSITS - IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6MEMBER DEPOSITS - OTHER
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt044563000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1884976
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE ONE PCC PARTNER
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07287547
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02595745
IRS990ScheduleD/TotalBookValueSecuritiesAmt045447976
IRS990ScheduleD/TotalExpensesPerForm990Amt05890464
IRS990ScheduleD/TotalLiabilityAmt0126664760
IRS990ScheduleD/TotalRevenuePerForm990Amt07287547
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07287547
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05890464
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0188693
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1143658
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount029106
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount126010
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0128571
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt112500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08953
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt17347
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt030996
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt130746
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0200000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt151500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0GRETCHEN LUNSFORD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1SANDRA PREVATT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0457748
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1259261
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CEO, GRETCHEN LUNSFORD AND THE EVP, SANDRA PREVATT, PARTICIPATE IN A NON-QUALIFIED DEFERRED COMPENSATION PLAN. BOTH PARTICIPANTS RECEIVED A PAYOUT DURING 2024: GRETCHEN LUNSFORD: $200,000 SANDRA PREVATT: $50,000
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERSHIP CAN VOTE ON BOARD SEATS IF A BOARD MEMBER IS NOT SAT BY ACCLAMATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S 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/ExplanationTxt3INITIAL REVIEW OF THE FORM 990 IS DONE BY SANDRA PREVATT, EVP. IT IS THEN SUBMITTED TO THE CEO, GRETCHEN LUNSFORD, FOR FINAL REVIEW AND APPROVAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE VICE PRESIDENT, UNDER THE DIRECTION OF THE PRESIDENT/CEO MONITORS COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY FOR FIRST COAST COMMUNITY CREDIT UNION. THIS INCLUDES VENDOR MANAGEMENT, EMPLOYEE TRAINING AND MONITORING OF EMPLOYEE TRANSACTIONS. ALL NEW EMPLOYEES ARE GIVEN A CONFLICT OF INTEREST POLICY AS PART OF THE CODE OF CONDUCT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION OF THE CEO IS SUBJECT TO A BOARD REVIEW ANNUALLY AND IS BASED ON AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY. THE SALARIES OF OTHER OFFICERS AND EMPLOYEES ARE DETERMINED BY UTILIZING THE CUNA MUTUAL GROUP SALARY SURVEY BASED ON CREDIT UNION ASSET SIZE AND MARKET ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE ON THE NCUA'S WEBSITE VIA THE 5300 FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7MISCELLANEOUS EXPENSE 57,899. TRAINING 17,259.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART IX, LINE 24E
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00

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