Civic Intelligence

State Chartered Credit Unions in Florida University Credit Union

990 • Fiscal year 2018 • EIN 59-0747276

Jan 01, 2018 to Dec 31, 2018 • Filed on Oct 31, 2019

Organization ProfileWWW.MYUNICU.COOP

View Organization Page

13241 SW 136 StMiami, FL 33186-5822

(786) 425-5000

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

91st percentile

23.47x

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

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

47th percentile

12%

Higher net margin than 47% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

95th percentile

$457,813

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 5.7% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

34th percentile

1.5%

Faster asset growth than 34% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

37th percentile

8.4%

Faster revenue growth than 37% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$207,089,083

Up $3,142,649 (+1.5%) from 2017

Net Assets

Up

$18,179,377

Up $782,599 (+4.5%) from 2017

Liabilities

Up

$188,909,706

Up $2,360,050 (+1.3%) from 2017

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin47th percentile

Revenue

Up

$8,047,302

Up $622,159 (+8.4%) from 2017

Expenses

Down

$7,067,061

Down $135,789 (-1.9%) from 2017

Net Income

Up

$980,241

Up $757,948 (+341%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth34th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $175,560,725Liabilities 2010: $153,983,586Net Assets 2010: $21,577,1392010Assets 2011: $182,354,149Liabilities 2011: $163,251,248Net Assets 2011: $19,102,9012011Assets 2012: $188,947,776Liabilities 2012: $169,844,585Net Assets 2012: $19,103,1912012Assets 2013: $190,386,922Liabilities 2013: $171,777,442Net Assets 2013: $18,609,4802013Assets 2014: $189,784,868Liabilities 2014: $170,813,123Net Assets 2014: $18,971,7452014Assets 2015: $189,737,024Liabilities 2015: $171,956,510Net Assets 2015: $17,780,5142015Assets 2016: $196,221,716Liabilities 2016: $179,013,933Net Assets 2016: $17,207,7832016Assets 2017: $203,946,434Liabilities 2017: $186,549,656Net Assets 2017: $17,396,7782017Assets 2018: $207,089,083Liabilities 2018: $188,909,706Net Assets 2018: $18,179,3772018Assets 2019: $209,679,627Liabilities 2019: $189,421,927Net Assets 2019: $20,257,7002019Assets 2020: $244,482,232Liabilities 2020: $222,898,202Net Assets 2020: $21,584,0302020Assets 2021: $259,434,807Liabilities 2021: $239,289,762Net Assets 2021: $20,145,0452021Assets 2022: $261,583,999Liabilities 2022: $253,338,158Net Assets 2022: $8,245,8412022Assets 2023: $255,503,563Liabilities 2023: $244,391,690Net Assets 2023: $11,111,8732023Assets 2024: $238,682,530Liabilities 2024: $226,198,919Net Assets 2024: $12,483,6112024

Highlighted filing

2018

Assets$207,089,083
Liabilities$188,909,706
Net Assets$18,179,377
Open 2018 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $10,834,7872010Expenses 2011: $11,158,4062011Expenses 2012: $8,331,8682012Revenue 2013: $7,582,942Expenses 2013: $8,047,883Net Income 2013: -$464,9412013Revenue 2014: $7,751,253Expenses 2014: $7,528,862Net Income 2014: $222,3912014Revenue 2015: $7,283,230Expenses 2015: $8,239,517Net Income 2015: -$956,2872015Revenue 2016: $7,281,343Expenses 2016: $7,172,947Net Income 2016: $108,3962016Revenue 2017: $7,425,143Expenses 2017: $7,202,850Net Income 2017: $222,2932017Revenue 2018: $8,047,302Expenses 2018: $7,067,061Net Income 2018: $980,2412018Revenue 2019: $8,331,691Expenses 2019: $7,264,185Net Income 2019: $1,067,5062019Revenue 2020: $7,581,620Expenses 2020: $7,356,576Net Income 2020: $225,0442020Revenue 2021: $7,623,548Expenses 2021: $6,728,018Net Income 2021: $895,5302021Revenue 2022: $8,027,074Expenses 2022: $7,256,462Net Income 2022: $770,6122022Revenue 2023: $9,626,124Expenses 2023: $8,608,806Net Income 2023: $1,017,3182023Revenue 2024: $9,990,658Expenses 2024: $9,118,413Net Income 2024: $872,2452024

Highlighted filing

2018

Revenue$8,047,302
Expenses$7,067,061
Net Income$980,241
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Oct 31, 2019
Return Version
2018v3.1
Gross Receipts
$8,047,302
Mission and Program Overview

Mission

To provide a variety of quality financial services for our members to improve their financial status.

The mission of university credit union is to provide a variety of quality financial services for our members to improve their financial status.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$68,810,370$69,629,627▲ $819,257
Investments Other Securities$43,426,557$47,042,436▲ $3,615,879
Investments in Publicly Traded Securities$42,636,128$42,930,310▲ $294,182
Savings and Temporary Cash Investments$30,624,814$30,186,623▼ $438,191
Rtn Earn Endowment Incm Other Fnds$17,396,778$18,179,377▲ $782,599
Land, Buildings, and Equipment, Net$10,165,479$9,895,522▼ $269,957
Cash and Non-Interest-Bearing Accounts$1,076,637$1,126,533▲ $49,896
Accounts Receivable$538,301$457,472▼ $80,829
Prepaid Expenses and Deferred Charges$217,834$336,823▲ $118,989
Intangible Assets$1,833$1,333▼ $500
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$203,946,434$207,089,083▲ $3,142,649
Other Assets Total$6,448,481$5,482,404▼ $966,077
Liabilities
Other Liabilities$183,118,573$186,025,600▲ $2,907,027
Accounts Payable and Accrued Expenses$3,026,916$2,884,106▼ $142,810
Mortgage Notes Payable Secured by Investment Property$404,167--
Total Liabilities$186,549,656$188,909,706▲ $2,360,050
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,396,778$18,179,377▲ $782,599
Total Liabilities and Net Assets / Fund Balance$203,946,434$207,089,083▲ $3,142,649

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,321,454$1,907,792$8,229,246
Equipment$420,834$2,759,316$3,180,150
Land$3,001,502-$3,001,502
Leasehold Improvements$151,732$473,239$624,971
Other Securities$226,036--
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Barbara ThomasEvp/COOFT$156,605$301,208$457,813
Michael J Welch SrPresident/CEOFT$257,523$22,716$280,239
Eric J HoskinsSVP-CIOFT$105,332$148,227$253,559

Board Members and Trustees

NameTitle
Dr Scott IngoldBod Chair
Mr Victor ValenciaS/c Chair
Mr Nicholas DiciaccoBod Vice Chair
Mr Bob BurnsDirector
Mr Robert J DubordDirector
Mr Samuel ShunkDirector
Mr Stewart SeruyaDirector
Ms Mary Stewart NatielloDirector
Mr Humberto SpezianiBod Secretary
Mr Remberto SanchezBod Treasurer
Mr Colin BrownS/c
Mr M O ThirunarayananS/c
Ms Denise HaneyS/c
Ms Vivian FernandezS/c

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData ProcessingPO BOX 60000, San Francisco, CA 94160$489,141
PscuCredit Card Processing11601 N ROOSEVELT BLVD, St Petersburg, FL 33716$206,752
Fiserv EftDebit And Atm ProcessingPO BOX 60000, San Francisco, CA 94160$206,205
Miami Dade Tax CollectorTangible Property/re Taxes140 SW FLAGLER ST, Miami, FL 33130$119,402
At&tTelephone/communicationsPO BOX 536216, Atlanta, GA 30353$103,599
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,820,587
Investment Income
$2,226,715
Other Revenue
$0
Change in Net Assets
$980,241

Audited Revenue Reconciliation

Revenue per Audited Statements
$8,047,302
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$8,047,302
Total Revenue per Form 990
$8,047,302
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,924,955
Salaries, Compensation, and Employee Benefits$3,142,106
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,850,864
Current Officers, Directors, Trustees, and Key Employees---$738,052
All Other Expenses---$328,755
Interest---$321,365
Depreciation Depletion---$319,322
Other Employee Benefits---$287,816
Occupancy---$271,781
Information Technology---$268,199
Other Expenses---$267,145
Office Expenses---$235,315
Fees for Services Other---$222,930
Insurance---$214,467
Payroll Taxes---$192,774
Advertising---$99,371
Pension Plan Contributions---$72,600
Fees for Services Accounting---$53,043
Fees for Services Legal---$35,327
Conferences and Meetings---$32,984
Travel---$4,413
Total Functional Expenses$0$0$0$7,067,061

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,067,061
Total Expenses per Audited Statements$7,067,061
Total Expenses per Form 990$7,067,061
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
Shares and Clubs$63,553,608
Share Drafts$51,679,128
Money Market$44,637,760
Shares and Ira Certificates$21,662,542
Ira Shares$4,492,562
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Family relationship - bod member (treasurer) remberto sanchez is the son-in-law of bod chairman scott ingold.”

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

“The form 990 will be reviewed by the president/ceo. The financial data used to compile the form 990 came from the audited financials and workpapers of the external auditors.”

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

“The standards of conduct policy is sent to all team members and all members of the board of directors to review and sign on an annual basis.”

Form 990, Part VI, Section B, Line 15

“The review of the ceo's compensation is a function of the board of directors. Annually, the board of directors uses an executive compensation survey from an independent third party to determine the ceo's compensation. For all employees in the organization, pay ranges are reviewed and approved on an annual basis by the ceo utilizing data from an independent compensation study.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are made available for public viewing on ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
University Credit Union
EIN
59-0747276
Phone
7864255000
Address
13241 SW 136 ST, MIAMI, FL 33186-5822

Signing Officer

Name
Michael J Welch Sr
Title
President/CEO
Phone
7864255000
Signed
2019-10-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael J Welch Sr
Formed
1947
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
58
Volunteers
14

Preparer

Firm
Doeren Mayhew
Address
12060 S W 129TH COURT STE 201, MIAMI, FL 33186-4582
Preparer
Douglas J Orth
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Other professional fees 222,930.”

Form 990, Part IX, Line 24E

“Maintenance 186,190. Taxes 117,657. Miscellaneous expense 24,908.”

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, by statute (internal revenue code section 501(c)(14), from federal income tax. The income taxes topic of the fasb asc clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability upon examination by tax authorities. The credit union is a state-chartered credit union as defined in internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities directly related to its exempt purposes. However, irc section 511 imposes a tax on the unrelated business income (ubi) derived by state-chartered credit unions. Beginning in march 2008, the internal revenue service (irs) released technical advice memorandums (tams) to specific state-chartered credit unions specifying the revenue sources subject to unrelated business income tax (ubit). Ubi may also be subject to tax in certain states. Additionally, no interest and penalties have been recorded in the accompanying financial statements related to uncertain management has assessed the credit union's activities and any potential federal or state income tax liability and determined that the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Tax positions. Currently, the 2017, 2016, and 2015 federal income tax returns are open for examination by the irs. The filing years open for examination by the state, if applicable, may be equal to, greater than or less than the years open for examination by the irs.”

Raw XML AppendixShowing 400 of 566 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
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IRS990/ActivitiesConductedPrtshpInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1422716
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1516756
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt166492
IRS990/Form990PartVIISectionAGrp/PersonNm0DR SCOTT INGOLD
IRS990/Form990PartVIISectionAGrp/PersonNm1MR NICHOLAS DICIACCO
IRS990/Form990PartVIISectionAGrp/PersonNm2MR REMBERTO SANCHEZ
IRS990/Form990PartVIISectionAGrp/PersonNm3MR HUMBERTO SPEZIANI
IRS990/Form990PartVIISectionAGrp/PersonNm4MR STEWART SERUYA
IRS990/Form990PartVIISectionAGrp/PersonNm5MS MARY STEWART NATIELLO
IRS990/Form990PartVIISectionAGrp/PersonNm6MR ROBERT J DUBORD
IRS990/Form990PartVIISectionAGrp/PersonNm7MR SAMUEL SHUNK
IRS990/Form990PartVIISectionAGrp/PersonNm8MR BOB BURNS
IRS990/Form990PartVIISectionAGrp/PersonNm9MR VICTOR VALENCIA
IRS990/Form990PartVIISectionAGrp/PersonNm10MR COLIN BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm11MR M O THIRUNARAYANAN
IRS990/Form990PartVIISectionAGrp/PersonNm12MS VIVIAN FERNANDEZ
IRS990/Form990PartVIISectionAGrp/PersonNm13MS DENISE HANEY
IRS990/Form990PartVIISectionAGrp/PersonNm14MICHAEL J WELCH SR
IRS990/Form990PartVIISectionAGrp/PersonNm15BARBARA THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm16ERIC J HOSKINS
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14257523
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15441057
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16247067
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/TitleTxt0BOD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOD VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9S/C CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt10S/C
IRS990/Form990PartVIISectionAGrp/TitleTxt11S/C
IRS990/Form990PartVIISectionAGrp/TitleTxt12S/C
IRS990/Form990PartVIISectionAGrp/TitleTxt13S/C
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SVP-CIO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01947
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt08047302
IRS990/GroupExemptionNum02106
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0268199
IRS990/InsuranceGrp/TotalAmt0214467
IRS990/IntangibleAssetsGrp/BOYAmt01833
IRS990/IntangibleAssetsGrp/EOYAmt01333
IRS990/InterestGrp/TotalAmt0321365
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02226715
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02226715
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt043426557
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt047042436
IRS990/InvestmentsPubTradedSecGrp/BOYAmt042636128
IRS990/InvestmentsPubTradedSecGrp/EOYAmt042930310
IRS990/IRPDocumentCnt02809
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05140347
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010165479
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09895522
IRS990/LandBldgEquipCostOrOtherBssAmt015035869
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE CREDIT UNION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt0404167
IRS990/NetAssetsOrFundBalancesBOYAmt017396778
IRS990/NetAssetsOrFundBalancesEOYAmt018179377
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-197642
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0271781
IRS990/OfficeExpensesGrp/TotalAmt0235315
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06448481
IRS990/OtherAssetsTotalGrp/EOYAmt05482404
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0287816
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1DEBIT/ATM
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3E-BRANCH/BILLPAY
IRS990/OtherExpensesGrp/TotalAmt0446129
IRS990/OtherExpensesGrp/TotalAmt1408300
IRS990/OtherExpensesGrp/TotalAmt2396109
IRS990/OtherExpensesGrp/TotalAmt3267145
IRS990/OtherLiabilitiesGrp/BOYAmt0183118573
IRS990/OtherLiabilitiesGrp/EOYAmt0186025600
IRS990/OtherSalariesAndWagesGrp/TotalAmt01850864
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt068810370
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt069629627
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0192774
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt072600
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0217834
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0336823
IRS990/PrincipalOfficerNm0MICHAEL J WELCH SR
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/BusinessCd3524298
IRS990/ProgramServiceRevenueGrp/Desc0INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2NON MEMBER ATM FEE INC
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03331565
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12441599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03331565
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12441599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt241573
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35850
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt041573
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt15850
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01978870
IRS990/PYOtherExpensesAmt04112533
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt05446273
IRS990/PYRevenuesLessExpensesAmt0222293
IRS990/PYSalariesCompEmpBnftPaidAmt03090317
IRS990/PYTotalExpensesAmt07202850
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07425143
IRS990/ReconcilationRevenueExpnssAmt0980241
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017396778
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018179377
IRS990/SavingsAndTempCashInvstGrp/BOYAmt030624814
IRS990/SavingsAndTempCashInvstGrp/EOYAmt030186623
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06321454
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01907792
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt08229246
IRS990ScheduleD/EquipmentGrp/BookValueAmt0420834
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02759316
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03180150
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07067061
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt03001502
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03001502
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0151732
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0473239
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0624971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt051679128
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt163553608
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt244637760
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt34492562
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt421662542
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES AND CLUBS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARES AND IRA CERTIFICATES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0247400
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt146569000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2226036
IRS990ScheduleD/OtherSecuritiesGrp/Desc0FHLB STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSIT - LONG TERM
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PCC CORPORATE ONE FCU
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt08047302
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE (INTERNAL REVENUE CODE SECTION 501(C)(14), FROM FEDERAL INCOME TAX. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME (UBI) DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE (IRS) RELEASED TECHNICAL ADVICE MEMORANDUMS (TAMS) TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN MANAGEMENT HAS ASSESSED THE CREDIT UNION'S ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. TAX POSITIONS. CURRENTLY, THE 2017, 2016, AND 2015 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09895522
IRS990ScheduleD/TotalBookValueSecuritiesAmt047042436

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$207,089,083
Liabilities
$188,909,706
Net assets
$18,179,377
Revenue
$8,047,302
Expenses
$7,067,061
Net income
$980,241
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$239$226$12.5$9.99$9.12$0.87
2023Summary only. Only limited summary data is available for this year.$256$244$11.1$9.63$8.61$1.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$262$253$8.25$8.03$7.26$0.77
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$259$239$20.1$7.62$6.73$0.90
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$244$223$21.6$7.58$7.36$0.23
2019Summary only. Only limited summary data is available for this year.$210$189$20.3$8.33$7.26$1.07
2018Detailed filing. Detailed filing data is available for this year.$207$189$18.2$8.05$7.07$0.98
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$204$187$17.4$7.43$7.20$0.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$196$179$17.2$7.28$7.17$0.11
2015Summary only. Only limited summary data is available for this year.$190$172$17.8$7.28$8.24$0.96
2014Detailed filing. Detailed filing data is available for this year.$190$171$19.0$7.75$7.53$0.22
2013Detailed filing. Detailed filing data is available for this year.$190$172$18.6$7.58$8.05$0.46
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$170$19.1$8.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$182$163$19.1$11.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$176$154$21.6$10.8