Civic Intelligence

Harvesters Credit Union

EIN 59-0650050 • 501(c)14 • Cantonment, FL

View Organization Page

Profile

The credit unions mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in Escambia, Santa Rosa, Okaloosa, Walton, and Bay counties in Florida.

480 S Highway 29Cantonment, FL 32533

www.myharvesterscu.com

Siviq Scores

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

Liabilities / Assets

91st percentile

0.94x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2021

Liabilities / Revenue

99th percentile

27.29x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2021

Net Margin

27th percentile

5.3%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2021

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2021

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$296,117,610

Down $11,082,080 (-3.6%) from 2022

Liabilities

Down

$277,536,023

Down $11,613,056 (-4.0%) from 2022

Net Assets

Up

$18,581,587

Up $530,976 (+2.9%) from 2022

Operations
Liabilities / Revenue99th percentileNet Margin27th percentile

Revenue

Up

$21,228,779

Up $2,837,230 (+15%) from 2022

Expenses

Up

$19,997,111

Up $3,898,621 (+24%) from 2022

Net Income

Down

$1,231,668

Down $1,061,391 (-46%) from 2022

Trend Graphs

Balance Sheet Trend

Asset GrowthScore unavailable

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

$400M$300M$200M$100M$0Assets 2021: $260,289,756Liabilities 2021: $243,974,647Net Assets 2021: $16,315,1092021Assets 2022: $307,199,690Liabilities 2022: $289,149,079Net Assets 2022: $18,050,6112022Assets 2023: $296,117,610Liabilities 2023: $277,536,023Net Assets 2023: $18,581,5872023

Highlighted filing

2023

Assets$296,117,610
Liabilities$277,536,023
Net Assets$18,581,587
Open 2023 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$30M$20M$10M$0Revenue 2021: $8,940,116Expenses 2021: $8,467,948Net Income 2021: $472,1682021Revenue 2022: $18,391,549Expenses 2022: $16,098,490Net Income 2022: $2,293,0592022Revenue 2023: $21,228,779Expenses 2023: $19,997,111Net Income 2023: $1,231,6682023

Highlighted filing

2023

Revenue$21,228,779
Expenses$19,997,111
Net Income$1,231,668
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$296,117,610
Liabilities
$277,536,023
Net assets
$18,581,587
Revenue
$21,228,779
Expenses
$19,997,111
Net income
$1,231,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$296$278$18.6$21.2$20.0$1.23
2022Detailed filing. Detailed filing data is available for this year.$307$289$18.1$18.4$16.1$2.29
2021Detailed filing. Detailed filing data is available for this year.$260$244$16.3$8.94$8.47$0.47
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 21, 2024
Return Version
2023v5.1
Gross Receipts
$21,228,779
Mission and Program Overview

Mission

The credit union's mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in escambia, santa rosa, okaloosa, walton, and bay counties in florida. The total number of members is in excess of 23,579.

The credit unions mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in Escambia, Santa Rosa, Okaloosa, Walton, and Bay counties in Florida.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$263,216,903$252,112,637▼ $11,104,266
Savings and Temporary Cash Investments$17,343,123$18,636,975▲ $1,293,852
Rtn Earn Endowment Incm Other Fnds$18,050,611$18,581,587▲ $530,976
Land, Buildings, and Equipment, Net$9,775,591$9,615,390▼ $160,201
Prepaid Expenses and Deferred Charges$4,891,841$4,664,713▼ $227,128
Cash and Non-Interest-Bearing Accounts$4,042,516$3,417,897▼ $624,619
Accounts Receivable$1,229,727$1,616,450▲ $386,723
Investments Other Securities$1,323,963$974,862▼ $349,101
Receivables From Officers Etc$171,167$226,608▲ $55,441
Total Assets$307,199,690$296,117,610▼ $11,082,080
Other Assets Total$5,204,859$4,852,078▼ $352,781
Liabilities
Other Liabilities$271,417,888$268,234,742▼ $3,183,146
Accounts Payable and Accrued Expenses$17,731,191$9,301,281▼ $8,429,910
Total Liabilities$289,149,079$277,536,023▼ $11,613,056
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,050,611$18,581,587▲ $530,976
Total Liabilities and Net Assets / Fund Balance$307,199,690$296,117,610▼ $11,082,080

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,185,755$3,177,098$7,362,853
Land$4,229,526-$4,229,526
Equipment$1,013,299$3,114,122$4,127,421
Other Land Buildings$160,726$545,054$705,780
Leasehold Improvements$26,084$159,278$185,362
Other Assets Org$3,952,008--
Other Securities$974,862--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Keith GoldenCEOFT$362,000$53,929$415,929
William CoxSenior VP of Investments & InFT$162,350$10,874$173,224
William CoxSenior VP of Investments & Insuranc-$156,498$16,726$173,224
Stanley BruceSenior VP of LendingFT$161,520$10,037$171,557
Barbara WardVP of LendingFT$149,195-$149,195
Marilyn CliftonVP of Merchant Indirect BusinFT$148,724-$148,724
Theresa ClayVP of OperationsFT$141,351-$141,351
Jennifer DebrabantVP of FinanceFT$140,668-$140,668
Krista ArmstrongVP of Information ThechnologyFT$140,252-$140,252
Robin ArnoldMortgage Loan OfficerFT$138,440-$138,440
Mark CatheySenior Mortgage UnderwriterFT$118,720-$118,720
Denise BurkettSenior VP of AdminFT$117,661-$117,661
Dustin VaughnVP of Risk Management & ComplFT$116,581-$116,581
Jessica HerringVP of Member ExperienceFT$109,440-$109,440
Randy JohnsonVP of Business DevelopmentFT$107,128-$107,128
John WalkerCFOFT$81,088-$81,088

Board Members and Trustees

NameTitle
Robin CookChairman
Scott PoynterVice Chairman
Amber HalfacreDirector
Fred ChandlerDirector
Keith ThorpeDirector
Pam ThomasDirector
Richard FountainDirector
Ryan SpikesDirector
Donna BengtsonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Florida BlueMedical & Dental IPO Box 121158, Dallas, TX 75312$482,819
Q2 SoftwareMobile App PlatforPO Box 205970, Dallas, TX 75320$463,507
Jack Henry AssociatesData Processing663 W Hwy 60, Monett, MO 65708$389,271
Business Data IncStatement ProcessiPO Box 6081, Inglewood, CA 90312$216,290
SMP ArchitectureDesign Development205 E Intendencia Street, Pensacola, FL 32502$195,490
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,465,474
Investment Income
$803,978
Other Revenue
$5,959,327
Change in Net Assets
$1,231,668
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,346,498
Salaries, Compensation, and Employee Benefits$7,650,613
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
All Other Expenses---$6,363,058
Other Salaries and Wages---$4,026,619
Interest---$2,914,014
Current Officers, Directors, Trustees, and Key Employees---$1,971,705
Other Expenses$956,573--$956,573
Pension Plan Contributions---$659,263
Depreciation Depletion---$608,375
Other Employee Benefits---$560,591
Payroll Taxes---$432,435
Occupancy---$275,681
Advertising---$221,573
Office Expenses---$187,554
Insurance---$184,808
Fees for Services Legal---$125,744
Travel---$122,464
Fees for Services Accounting---$97,868
Conferences and Meetings---$7,075
Total Functional Expenses$0$0$0$19,997,111
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$171,167$226,608▲ $55,441
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$268,234,742
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

Members or stockholder classes and rights Part VI line 6

“The credit union is owned by its members.”

Member election for additional members Part VI line 7A

“Board members are elected by a vote of the general membership.”

Governing body decisions Part VI line 7B

“Major decisions affecting the credit union are made by the board of directors and affirmed by the members.”

Form 990 governing body review Part VI line 11

“The 990 is reviewed by the vp of finance prior to filing.”

Conflict of interest policy compliance Part VI line 12C

“THE BOARD OF DIRECTORS IS ULTIMATELY RESPONSIBLE FOR SETTING AND ENFORCING POLICIES. A written conflict of interest party can be found in the Business Ethics Policy.”

CEO executive director top management comp Part VI line 15A

“The credit union uses compease salary guides; the board reviews compensation annually; the credit union has no official process but the board approves salary of the ceo.”

Other officer or key employee compensation Part VI line 15B

“The credit union uses compease salary guides; the board reviewscompensation annually; the credit union has no official process but theboard approves salary of the ceo.”

Governing documents etc available to public Part VI line 19

“Policies and financial documents are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Harvesters Credit Union
EIN
59-0650050
Address
480 S Highway 29, Cantonment, FL 32533

Signing Officer

Name
Jennifer Debrabant
Title
VP of Finance
Phone
8508574328
Signed
2024-11-21
Discuss with paid preparer
Yes

Organization Details

Formed
2021
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
116
Volunteers
12

Preparer

Firm
Griffin and Furman LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Robert J Furman CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“During the year the Credit Union reduced net assets for prior period adjustments totaling $1,107,203 for prior to year corrections to various asset and liability accounts. Additionally, other comprehensive income was increased by $406,511 for adjustments related to the Credit Unions pension liability.”

List of other expenses Part IX line 24E

“Communication $381,009Bank Fees 61,855Loan Servicing 1,928,057ATM & Bill Pay Expenses 1,006,088Leased Equipment 12,994Outside Services 903,927Security 58,118Provision for Losses 469,373Charge-Offs 228,711Over & Short 3,673Donations 6,510Miscellaneous 36,308Loss on Investments 47,519Total: 5,144,142”

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IRS990/Form990PartVIISectionAGrp/TitleTxt2Senior VP of Lending
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IRS990/Form990PartVIISectionAGrp/TitleTxt6VP of Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP of Information Thechnology
IRS990/Form990PartVIISectionAGrp/TitleTxt8Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Senior Mortgage Underwriter
IRS990/Form990PartVIISectionAGrp/TitleTxt10Senior VP of Admin
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP of Risk Management & Compl
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP of Member Experience
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP of Business Development
IRS990/Form990PartVIISectionAGrp/TitleTxt14CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15Director
IRS990/Form990PartVIISectionAGrp/TitleTxt16Director
IRS990/Form990PartVIISectionAGrp/TitleTxt17Director
IRS990/Form990PartVIISectionAGrp/TitleTxt18Director
IRS990/Form990PartVIISectionAGrp/TitleTxt19Director
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IRS990/Form990PartVIISectionAGrp/TitleTxt21Vice Chairman
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IRS990/MissionDesc0The credit unions mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in Escambia, Santa Rosa, Okaloosa, Walton, and Bay counties in Florida.
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