Civic Intelligence

Addition Financial Credit Union

EIN 59-0678236 • 501(c)14 • Lake Mary, FL

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Profile

Addition financial credit union is committed to helping members achieve their money management goals

1000 Primera BlvdLake Mary, FL 32746

www.additionfi.com

Siviq Scores

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

Liabilities / Assets

71st percentile

0.92x

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

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

35th percentile

14.54x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

53rd percentile

10%

Higher net margin than 53% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

4th percentile

-6.1%

Faster asset growth than 4% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Revenue Growth

4th percentile

1.2%

Faster revenue growth than 4% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets71st percentile

Assets

Down

$2,735,864,519

Down $176,280,112 (-6.1%) from 2023

Liabilities

Down

$2,509,406,304

Down $198,678,291 (-7.3%) from 2023

Net Assets

Up

$226,458,215

Up $22,398,179 (+11%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin53rd percentile

Revenue

Up

$172,550,204

Up $2,039,019 (+1.2%) from 2023

Expenses

Down

$155,260,898

Down $8,977,238 (-5.5%) from 2023

Net Income

Up

$17,289,306

Up $11,016,257 (+176%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth4th percentile

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

$3.0B$2.0B$1.0B$0Assets 2021: $2,609,326,648Liabilities 2021: $2,359,972,290Net Assets 2021: $249,354,3582021Assets 2022: $2,764,171,874Liabilities 2022: $2,542,381,750Net Assets 2022: $221,790,1242022Assets 2023: $2,912,144,631Liabilities 2023: $2,708,084,595Net Assets 2023: $204,060,0362023Assets 2024: $2,735,864,519Liabilities 2024: $2,509,406,304Net Assets 2024: $226,458,2152024

Highlighted filing

2024

Assets$2,735,864,519
Liabilities$2,509,406,304
Net Assets$226,458,215
Open 2024 Filing

Operations Trend

Revenue Growth4th percentile

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

$200M$150M$100M$50M$0Revenue 2021: $109,978,421Expenses 2021: $84,350,076Net Income 2021: $25,628,3452021Revenue 2022: $126,516,804Expenses 2022: $103,558,609Net Income 2022: $22,958,1952022Revenue 2023: $170,511,185Expenses 2023: $164,238,136Net Income 2023: $6,273,0492023Revenue 2024: $172,550,204Expenses 2024: $155,260,898Net Income 2024: $17,289,3062024

Highlighted filing

2024

Revenue$172,550,204
Expenses$155,260,898
Net Income$17,289,306
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
$2,735,864,519
Liabilities
$2,509,406,304
Net assets
$226,458,215
Revenue
$172,550,204
Expenses
$155,260,898
Net income
$17,289,306
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,736$2,509$226$173$155$17.3
2023Detailed filing. Detailed filing data is available for this year.$2,912$2,708$204$171$164$6.27
2022Detailed filing. Detailed filing data is available for this year.$2,764$2,542$222$127$104$23.0
2021Detailed filing. Detailed filing data is available for this year.$2,609$2,360$249$110$84.4$25.6
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$172,550,204
Mission and Program Overview

Mission

Addition financial credit union is committed to helping members achieve their money management goals

Addition financial credit union is committed to helping members achieve their money management goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,954,421,635$1,804,122,600▼ $150,299,035
Investments in Publicly Traded Securities$416,335,260$462,087,611▲ $45,752,351
Savings and Temporary Cash Investments$347,061,708$274,767,423▼ $72,294,285
Rtn Earn Endowment Incm Other Fnds$204,060,036$226,458,215▲ $22,398,179
Land, Buildings, and Equipment, Net$62,993,877$60,956,885▼ $2,036,992
Receivables From Officers Etc$45,904,337$49,328,757▲ $3,424,420
Cash and Non-Interest-Bearing Accounts$24,627,112$25,233,287▲ $606,175
Investments Other Securities$15,934,740$12,868,460▼ $3,066,280
Intangible Assets$6,266,513$6,231,840▼ $34,673
Prepaid Expenses and Deferred Charges$2,417,654$2,574,068▲ $156,414
Accounts Receivable$730,552$1,679,473▲ $948,921
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,912,144,631$2,735,864,519▼ $176,280,112
Other Assets Total$35,451,243$36,014,115▲ $562,872
Liabilities
Other Liabilities$2,367,395,282$2,426,067,345▲ $58,672,063
Unsecured Notes Loans Payable$320,000,000$60,000,000▼ $260,000,000
Accounts Payable and Accrued Expenses$20,689,313$23,338,959▲ $2,649,646
Total Liabilities$2,708,084,595$2,509,406,304▼ $198,678,291
Net Assets / Fund Balance
Total Net Assets Fund Balance$204,060,036$226,458,215▲ $22,398,179
Total Liabilities and Net Assets / Fund Balance$2,912,144,631$2,735,864,519▼ $176,280,112

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$33,339,146$24,051,005$57,390,151
Equipment$4,958,975$37,841,835$42,800,810
Land$22,238,760-$22,238,760
Leasehold Improvements$420,004$526,064$946,068
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kevin MillerPresident/CEOFT$762,561$288,284$1,050,845
Kevin DoughertyChief Operating OfficerFT$407,279$118,421$525,700
Sam NelsonChief Administrative OfficerFT$359,403$115,953$475,356
Kevin WrightChief Information OfficerFT$361,824$105,403$467,227
Qing LuChief Financial OfficerFT$331,053$132,922$463,975
Miriam MitchellChief Lending OfficerFT$290,467$104,542$395,009
Nora Rodriguez PattersonChief Communications OfficerFT$248,555$78,843$327,398
Joseph MaclarenAssistant General CounselFT$221,452$51,815$273,267
Shirley ShoemakerSVP Branch OperationsFT$201,562$51,013$252,575
Jason HansenVP MarketingFT$178,431$44,027$222,458
Matthew WalshVP Information TechnologyFT$177,477$44,685$222,162
Alex DejesusSVP Member ExperienceFT$110,349$99,982$210,331
Gabriela OrtigoniBoard MemberPT$7,758-$7,758
Janet BushBoard MemberPT$5,585-$5,585
Richard CollinsBoard ChairpersonPT$4,074-$4,074
Kimberly MartenBoard MemberPT$831-$831
Judith PadresBoard MemberPT$792-$792

Board Members and Trustees

NameTitle
Dale KellyBoard Vice Chairperson
Cary DortonaBoard Member
Ronald PersonBoard Secretary
Naval ModaniBoard Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Seibold Security Of Florida INCSecurity Equipment12 AQUEDUT STREET, Rochester, NY 14614$979,954
Lanvera LtdData Processing112 WRANGLER DRIVE SUITE 150, Coppell, TX 75019$826,019
Cdw LLCData ProcessingPO BOX 75723, Chicago, IL 60675-5723$759,945
Jack Henry & Associates INCData ProcessingPO BOX 609, Monett, MO 65708$698,307
Meridianlink INCLending Software ServicePO BOX 846822, Los Angeles, CA 90084-6822$691,978
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$144,910,984
Investment Income
$27,639,220
Other Revenue
$0
Change in Net Assets
$17,289,306

Audited Revenue Reconciliation

Revenue per Audited Statements
$172,550,204
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$172,550,204
Total Revenue per Form 990
$172,550,204
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$109,134,964
Salaries, Compensation, and Employee Benefits$45,702,932
Grants and Similar Amounts Paid$423,002
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$44,010,058
Other Salaries and Wages---$33,042,402
Office Expenses---$12,752,097
Fees for Services Other---$7,619,368
Advertising---$6,187,706
Other Employee Benefits---$4,825,932
Occupancy---$4,713,372
Current Officers, Directors, Trustees, and Key Employees---$3,724,550
Depreciation Depletion---$3,707,586
Payroll Taxes---$2,595,963
Fees for Services Legal---$2,359,160
Pension Plan Contributions---$1,514,085
Conferences and Meetings---$950,798
Fees for Services Accounting---$600,768
Grants to Domestic Orgs---$423,002
All Other Expenses---$394,479
Other Expenses---$264,683
Total Functional Expenses$0$0$0$155,260,898

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$155,260,898
Total Expenses per Audited Statements$155,260,898
Total Expenses per Form 990$155,260,898
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Addition Financial Foundation IncLake Mary, FL501(c)(3)The Addition Financial Foundation, Inc. Was Primarily Formed to Assist Addition Financial Credit Union Promote and Provide Assistance to Initiatives Benefiting Education.$423,002
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$45,904,337$49,328,757▲ $3,424,420
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$2,426,067,345
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, Part VI, Section A, Line 6

“The organization has members.”

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

“The credit union membership may participate in the election of officials.”

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

“Form 990 is reviewed by the board of directors, ceo and cfo prior to filing.”

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

“The conflict of interest policy is reviewed by the credit union's executive team.”

Form 990, Part VI, Section B, Line 15

“The ceo and top management's compensation is reviewed by the credit union's compensation committee.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents, conflict of interest policy, and financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Addition Financial Credit Union
EIN
59-0678236
Phone
4077081695
Address
1000 PRIMERA BLVD, LAKE MARY, FL 32746

Signing Officer

Name
Qing Lu
Title
CFO
Phone
4077085812
Signed
2025-11-17

Organization Details

Principal Officer
Kevin Miller
Formed
1937
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
734
Volunteers
12

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

“Association dues 246,444. Miscellaneous expenses 136,530. Annual meeting 6,157. Cash over & short 5,348.”

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 895 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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IRS990/Form990PartVIISectionAGrp/PersonNm4JANET BUSH
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IRS990/Form990PartVIISectionAGrp/PersonNm10KEVIN DOUGHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm11QING LU
IRS990/Form990PartVIISectionAGrp/PersonNm12SAM NELSON
IRS990/Form990PartVIISectionAGrp/PersonNm13KEVIN WRIGHT
IRS990/Form990PartVIISectionAGrp/PersonNm14MIRIAM MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm15NORA RODRIGUEZ PATTERSON
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IRS990/Form990PartVIISectionAGrp/PersonNm17SHIRLEY SHOEMAKER
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IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13CHIEF INFORMATION OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF LENDING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF COMMUNICATIONS OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt16ASSISTANT GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt17SVP BRANCH OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP INFORMATION TECHNOLOGY
IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP MARKETING
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IRS990ScheduleD/EquipmentGrp/BookValueAmt04958975
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IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt022238760
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt022238760

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