Civic Intelligence

Florida Credit Union

EIN 59-0773154 • 501(c)14 • Gainesville, FL

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Profile

Income from credit union membership and from investement of member funds provide the foundation from which the organization can function and provide service to its restricted membership.

PO Box 5549Gainesville, FL 32627-5549

www.flcu.org

Siviq Scores

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

Liabilities / Assets

12th percentile

0.88x

Higher debt load relative to assets than 12% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Liabilities / Revenue

14th percentile

12.87x

Higher debt load relative to revenue than 14% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Net Margin

95th percentile

26%

Higher net margin than 95% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

77th percentile

7.0%

Faster asset growth than 77% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Revenue Growth

88th percentile

30%

Faster revenue growth than 88% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets12th percentile

Assets

Up

$2,290,696,172

Up $185,140,364 (+8.8%) from 2023

Liabilities

Up

$1,993,879,951

Up $149,986,122 (+8.1%) from 2023

Net Assets

Up

$296,816,221

Up $35,154,242 (+13%) from 2023

Operations
Liabilities / Revenue14th percentileNet Margin95th percentile

Revenue

Up

$169,400,383

Up $26,118,178 (+18%) from 2023

Expenses

Up

$134,246,141

Up $27,920,182 (+26%) from 2023

Net Income

Down

$35,154,242

Down $1,802,004 (-4.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$3.0B$2.0B$1.0B$0Assets 2010: $429,610,815Liabilities 2010: $385,575,014Net Assets 2010: $44,035,8012010Assets 2011: $459,526,614Liabilities 2011: $411,775,750Net Assets 2011: $47,750,8642011Assets 2012: $492,383,357Liabilities 2012: $438,991,398Net Assets 2012: $53,391,9592012Assets 2013: $559,138,708Liabilities 2013: $499,163,073Net Assets 2013: $59,975,6352013Assets 2014: $654,949,421Liabilities 2014: $587,042,737Net Assets 2014: $67,906,6842014Assets 2015: $746,396,242Liabilities 2015: $670,067,867Net Assets 2015: $76,328,3752015Assets 2016: $862,575,324Liabilities 2016: $776,191,714Net Assets 2016: $86,383,6102016Assets 2017: $975,234,572Liabilities 2017: $876,114,677Net Assets 2017: $99,119,8952017Assets 2018: $1,110,685,305Liabilities 2018: $995,926,966Net Assets 2018: $114,758,3392018Assets 2019: $1,266,313,564Liabilities 2019: $1,131,972,740Net Assets 2019: $134,340,8242019Assets 2020: $1,449,934,229Liabilities 2020: $1,297,184,248Net Assets 2020: $152,749,9812020Assets 2021: $1,753,770,979Liabilities 2021: $1,564,008,364Net Assets 2021: $189,762,6152021Assets 2022: $1,967,340,964Liabilities 2022: $1,742,592,206Net Assets 2022: $224,748,7582022Assets 2023: $2,105,555,808Liabilities 2023: $1,843,893,829Net Assets 2023: $261,661,9792023Assets 2024: $2,290,696,172Liabilities 2024: $1,993,879,951Net Assets 2024: $296,816,2212024

Highlighted filing

2024

Assets$2,290,696,172
Liabilities$1,993,879,951
Net Assets$296,816,221
Open 2024 Filing

Operations Trend

Revenue Growth88th percentile

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

$200M$150M$100M$50M$0Expenses 2010: $37,005,9022010Expenses 2011: $34,131,2942011Expenses 2012: $34,597,9992012Revenue 2013: $41,516,999Expenses 2013: $34,933,323Net Income 2013: $6,583,6762013Revenue 2014: $45,105,672Expenses 2014: $37,174,623Net Income 2014: $7,931,0492014Revenue 2015: $50,018,214Expenses 2015: $41,596,522Net Income 2015: $8,421,6922015Revenue 2016: $56,667,292Expenses 2016: $46,612,057Net Income 2016: $10,055,2352016Revenue 2017: $63,778,931Expenses 2017: $51,042,646Net Income 2017: $12,736,2852017Revenue 2018: $74,227,381Expenses 2018: $58,588,938Net Income 2018: $15,638,4432018Revenue 2019: $85,476,711Expenses 2019: $65,894,226Net Income 2019: $19,582,4852019Revenue 2020: $94,300,981Expenses 2020: $75,891,825Net Income 2020: $18,409,1562020Revenue 2021: $101,413,872Expenses 2021: $64,401,235Net Income 2021: $37,012,6372021Revenue 2022: $110,107,505Expenses 2022: $75,117,641Net Income 2022: $34,989,8642022Revenue 2023: $143,282,205Expenses 2023: $106,325,959Net Income 2023: $36,956,2462023Revenue 2024: $169,400,383Expenses 2024: $134,246,141Net Income 2024: $35,154,2422024

Highlighted filing

2024

Revenue$169,400,383
Expenses$134,246,141
Net Income$35,154,242
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,290,696,172
Liabilities
$1,993,879,951
Net assets
$296,816,221
Revenue
$169,400,383
Expenses
$134,246,141
Net income
$35,154,242
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2,291$1,994$297$169$134$35.2
2023Detailed filing. Detailed filing data is available for this year.$2,106$1,844$262$143$106$37.0
2022Detailed filing. Detailed filing data is available for this year.$1,967$1,743$225$110$75.1$35.0
2021Detailed filing. Detailed filing data is available for this year.$1,754$1,564$190$101$64.4$37.0
2020Detailed filing. Detailed filing data is available for this year.$1,450$1,297$153$94.3$75.9$18.4
2019Detailed filing. Detailed filing data is available for this year.$1,266$1,132$134$85.5$65.9$19.6
2018Detailed filing. Detailed filing data is available for this year.$1,111$996$115$74.2$58.6$15.6
2017Detailed filing. Detailed filing data is available for this year.$975$876$99.1$63.8$51.0$12.7
2016Detailed filing. Detailed filing data is available for this year.$863$776$86.4$56.7$46.6$10.1
2015Detailed filing. Detailed filing data is available for this year.$746$670$76.3$50.0$41.6$8.42
2014Detailed filing. Detailed filing data is available for this year.$655$587$67.9$45.1$37.2$7.93
2013Detailed filing. Detailed filing data is available for this year.$559$499$60.0$41.5$34.9$6.58
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$492$439$53.4$34.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$460$412$47.8$34.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$430$386$44.0$37.0
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 5, 2025
Return Version
2024v5.1
Gross Receipts
$173,288,966
Mission and Program Overview

Mission

Credit Union with income from credit

Credit Union with income from credit union membership and from investments of member funds provide the foundation from which the organization can function and provide service to its restricted membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,678,979,474$1,845,145,839▲ $166,166,365
Savings and Temporary Cash Investments$333,231,983$329,355,369▼ $3,876,614
Rtn Earn Endowment Incm Other Fnds$261,661,979$296,816,221▲ $35,154,242
Land, Buildings, and Equipment, Net$30,733,450$44,985,872▲ $14,252,422
Prepaid Expenses and Deferred Charges$14,098,690$17,779,337▲ $3,680,647
Accounts Receivable$13,124,129$17,473,758▲ $4,349,629
Cash and Non-Interest-Bearing Accounts$4,923,117$4,425,389▼ $497,728
Investments Other Securities$3,752,200$3,374,000▼ $378,200
Investments in Publicly Traded Securities-$219,964-
Receivables From Officers Etc$136,098$122,251▼ $13,847
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,105,555,808$2,290,696,172▲ $185,140,364
Other Assets Total$26,576,667$27,814,393▲ $1,237,726
Liabilities
Other Liabilities$1,758,893,884$1,926,578,305▲ $167,684,421
Mortgage Notes Payable Secured by Investment Property$50,000,000$40,000,000▼ $10,000,000
Accounts Payable and Accrued Expenses$32,353,903$24,682,274▼ $7,671,629
Escrow Account Liability$793,472$1,390,839▲ $597,367
Deferred Revenue$1,852,570$1,228,533▼ $624,037
Total Liabilities$1,843,893,829$1,993,879,951▲ $149,986,122
Net Assets / Fund Balance
Total Net Assets Fund Balance$261,661,979$296,816,221▲ $35,154,242
Total Liabilities and Net Assets / Fund Balance$2,105,555,808$2,290,696,172▲ $185,140,364

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$28,095,011$6,387,043$34,482,054
Equipment$3,795,886$17,731,306$21,527,192
Land$12,710,627-$12,710,627
Leasehold Improvements$381,161$1,481,262$1,862,423
Other Land Buildings$3,187$438,665$441,852
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark StarrPresident/CEOFT$871,011$950,318$1,821,329
David EckardtSVP Operations/COOFT$348,335$229,295$577,630
Thomas BeckSVP Is/CTOFT$384,397$182,499$566,896
Christine Suarez-JenkinsSVP Lending/CLOFT$359,616$158,182$517,798
Wendy KofordSVP Finance/CFOFT$319,891$139,679$459,570
Beatrice CherrySVP MarketingFT$241,646$123,674$365,320
Brian MosesSVP CommercialFT$261,119$97,705$358,824
Wesley ColsonSVP Credit ServicesFT$193,083$112,517$305,600
Sarah KingSVP HR & TrainingFT$182,383$80,817$263,200
Daniel ArreolaVP Risk ManagmentFT$160,736$78,368$239,104
Kirk BeckerVP Information ServicesFT$162,455$68,224$230,679
Pingue GregoryAVP MortgageFT$177,345$52,299$229,644
Lopes MichaelVP Systems EngineerFT$155,455$67,134$222,589
Jane HarrisCommercial Relationship MaFT$146,831$70,859$217,690

Board Members and Trustees

NameTitle
Lynn JonesBoard Chair
Andrew SutherlandBoard Vice-Chair
Judy JohnsonBoard Director
William HopgoodBoard Director
Dr Barbara BuysBoard Secretary
Alfred PeoplesBoard Treasurer
Faye McKnightDirector
Kara BrownDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Sorenson Van Leuven Law FirmAttorneysPO Box 3637, Tallahassee, FL 32315$1,415,325
Integrated Cooling Solutions LLCAc10405 NW 37th Terrace, Doral, FL 33178$506,355
Florida Vehicle InvestigationsRepossesion Firm5518 Abagail Drive, Spring Hill, FL 34608$473,371
New Day MediaMarketing Firm5325 Riverview Road, Atlanta, GA 30327$424,037
Williams Gautier Law FirmAttorneysPO Box 4128, Tallahassee, FL 32315$411,999
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,323,961
Investment Income
$133,073,591
Other Revenue
$2,831
Change in Net Assets
$35,154,242

Audited Revenue Reconciliation

Revenue per Audited Statements
$166,864,569
Revenue Not Reported on Financial Statements
$2,535,814
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$2,535,814
Total Revenue per Audited Statements
$166,864,569
Total Revenue per Form 990
$169,400,383
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$102,440,647
Salaries, Compensation, and Employee Benefits$31,805,494
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$49,587,654
Other Salaries and Wages---$20,818,328
Office Expenses---$8,761,470
Advertising---$4,821,518
Current Officers, Directors, Trustees, and Key Employees---$4,655,344
Depreciation Depletion---$2,584,642
Other Employee Benefits---$2,546,439
Occupancy---$2,090,272
Pension Plan Contributions---$2,009,630
Payroll Taxes---$1,775,753
Conferences and Meetings---$701,131
Fees for Services Legal---$456,276
Insurance---$432,982
Other Expenses---$404,680
All Other Expenses---$264,587
Fees for Services Accounting---$130,348
Fees for Services Lobbying---$7,710
Total Functional Expenses$0$0$0$134,246,141

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$134,246,141
Expenses per Audited Statements$101,033,642
Total Expenses per Audited Statements$101,033,642
Expenses Not Reported on Financial Statements$33,212,499
Other Expense Adjustments$33,212,499
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

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$7,710
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$136,098$122,251▼ $13,847
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$1,908,572,305
Non-Member Share Accounts$18,006,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, line 6

“Anyone doing business with the credit union is a member.”

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

“An annual election is held for open spots on the board of directors and we are regulated by the Florida Division of Financials Institutions and the National Credit Union Administration.”

Form 990, Part VI, Section B, line 11B

“Auditors and examiners review the report and give a report to the board of directors.”

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

“Directors and employees are required to avoid conflicts of interest by Federal and State Banking laws. Staff and board are questioned by auditors as part of the AICPA opinion audit.”

Form 990, Part VI, Section B, line 15

“Florida Credit Union purchases 3rd party salary surveys of competitive industries based on asset size.”

Form 990, Part VI, Section C, line 18

“Available upon request.”

Form 990, Part VI, Section C, line 19

“Financial Statements are available in branch lobbies. Call reports on the web.”

Filing and Contact Details

Filer

Filer Name
Florida Credit Union
EIN
59-0773154
Phone
3523774141
Address
PO Box 5549, Gainesville, FL 32627-5549

Signing Officer

Name
Wendy Koford
Title
SVP Finance/CFO
Phone
3523774141
Signed
2025-05-05

Organization Details

Principal Officer
Mark Starr
Formed
1954
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
8
Employees
371
Volunteers
8
Supplemental Narrative

Financial Statement Notes

Part IV, Line 2B:

“Escrow for Tax and Insurance on Members Mortgage and Commercial Loans.”

Part X, Line 2:

“As of September 30, 2024, the Credit Union had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the Credit Union has no interest and penalties related to income taxes. With few exceptions, the Credit Union is no longer subject to U.S. Federal, State, and local income tax examinations by tax authorities for years before 2020.”

Part XI, Line 4B - Other Adjustments:

“Fiscal VS Calendar Year Gain/Loss added into revenue Gain/Loss added into revenue Rounding Rental Expenses Subtracted from Revenue”

Part XII, Line 4B - Other Adjustments:

“Fiscal Year VS Calendar Year Rental Expenses Subtracted from Expense dollars included”

Raw XML AppendixShowing 400 of 987 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/PersonNm6Lynn Jones
IRS990/Form990PartVIISectionAGrp/PersonNm7William Hopgood
IRS990/Form990PartVIISectionAGrp/PersonNm8Christine Suarez-Jenkins
IRS990/Form990PartVIISectionAGrp/PersonNm9David Eckardt
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IRS990/Form990PartVIISectionAGrp/PersonNm12Wendy Koford
IRS990/Form990PartVIISectionAGrp/PersonNm13Beatrice Cherry
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IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Risk Managment
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