Civic Intelligence

Florida Credit Union

990 • Fiscal year 2013 • EIN 59-0773154

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 31, 2014

Organization ProfileN/A

View Organization Page

PO Box 554932627-5549

(352) 377-4141

Siviq Scores

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

Liabilities / Assets

44th percentile

0.89x

Higher debt load relative to assets than 44% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Liabilities / Revenue

9th percentile

12.02x

Higher debt load relative to revenue than 9% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Net Margin

56th percentile

16%

Higher net margin than 56% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Top Officer Pay

73rd percentile

$459,237

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 1.1% of source-year revenue.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2013

Asset Growth

94th percentile

14%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$559,138,708

Up $66,755,351 (+14%) from 2012

Net Assets

Up

$59,975,635

Up $6,583,676 (+12%) from 2012

Liabilities

Up

$499,163,073

Up $60,171,675 (+14%) from 2012

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin56th percentile

Revenue

$41,516,999

No earlier filing loaded for comparison.

Expenses

Up

$34,933,323

Up $335,324 (+1.0%) from 2012

Net Income

$6,583,676

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

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

$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

2013

Assets$559,138,708
Liabilities$499,163,073
Net Assets$59,975,635
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$41,516,999
Expenses$34,933,323
Net Income$6,583,676
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 31, 2014
Return Version
2013v3.1
Gross Receipts
$43,966,472
Mission and Program Overview

Mission

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.

Credit Union with income from credit union membership and from investments of members 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$395,827,778$451,905,149▲ $56,077,371
Savings and Temporary Cash Investments$65,211,412$71,972,962▲ $6,761,550
Rtn Earn Endowment Incm Other Fnds$53,391,959$59,975,635▲ $6,583,676
Land, Buildings, and Equipment, Net$12,778,608$14,746,421▲ $1,967,813
Prepaid Expenses and Deferred Charges$2,240,497$3,534,485▲ $1,293,988
Cash and Non-Interest-Bearing Accounts$3,963,178$3,400,425▼ $562,753
Accounts Receivable$3,671,742$3,259,514▼ $412,228
Investments Other Securities$1,274,300$1,040,900▼ $233,400
Receivables From Officers Etc$255,844$301,231▲ $45,387
Total Assets$492,383,357$559,138,708▲ $66,755,351
Other Assets Total$7,159,998$8,977,621▲ $1,817,623
Liabilities
Other Liabilities$417,601,594$480,428,666▲ $62,827,072
Mortgage Notes Payable Secured by Investment Property$13,000,000$10,000,000▼ $3,000,000
Accounts Payable and Accrued Expenses$7,570,504$7,825,562▲ $255,058
Escrow Account Liability$819,300$908,845▲ $89,545
Total Liabilities$438,991,398$499,163,073▲ $60,171,675
Net Assets / Fund Balance
Total Net Assets Fund Balance$53,391,959$59,975,635▲ $6,583,676
Total Liabilities and Net Assets / Fund Balance$492,383,357$559,138,708▲ $66,755,351

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,659,907$2,443,027-
Land$4,372,050--
Equipment$3,148,380$14,059,448-
Leasehold Improvements$566,084$811,914-
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mark Starr--$459,237$222,405$509,520
Mark StarrPresident/CEOFT$459,237-$459,237
David Eckhardt--$179,469$32,077$383,668
David EckhardtSVP Operations/COOFT$351,591-$351,591
Chris Clore--$147,618$25,221$172,839
Wendy Koford--$137,206$29,153$166,359
Kirk Becker--$134,137$23,816$157,953
Chris CloreSVP MarketingFT$147,618-$147,618
Wendy KofordSVP Finance/CFOFT$137,206-$137,206
Christine Suarez-jenkins--$115,992$20,668$136,660
Kirk BeckerSVP Information Systems/CTOFT$134,137-$134,137
Karen Rose--$111,479$18,051$129,530
Laudelino Arnaldi--$109,125$18,586$127,711
Christine Suarez-jenkinsSVP Lending/CLOFT$115,992-$115,992
Karen RoseVP HrFT$111,479-$111,479
Laudelino ArnaldiVP Commercial LendingFT$109,125-$109,125

Board Members and Trustees

NameTitle
Lavaughn FraserChairman
Dr John RawlsVice-Chairman
Alfred PeoplesDirector
Dr Barbara BuysDirector
John BonnanoDirector
Ronald KnowlesDirector
Judy JohnsonSecretary
Dr Jacquiline HartTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Williams Gautier Gwynn & DeloachAttorneys-$792,654
Malcom CrewsReposession Services-$119,233
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$42,140,395
Investment Income
$-647,288
Other Revenue
$23,892
Change in Net Assets
$6,583,676
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$22,160,024
Salaries, Compensation, and Employee Benefits$12,773,299
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,311,533
Other Expenses---$5,162,848
Office Expenses---$4,114,288
Advertising---$2,289,288
Interest---$2,266,602
Depreciation Depletion---$1,661,497
Current Officers, Directors, Trustees, and Key Employees---$1,566,385
Other Employee Benefits---$1,100,129
Pension Plan Contributions---$983,507
Occupancy---$926,050
Payroll Taxes---$811,745
Fees for Services Legal---$454,562
Conferences and Meetings---$448,474
Insurance---$151,909
All Other Expenses---$150,894
Fees for Services Accounting---$35,066
Total Functional Expenses$0$0$0$34,933,323
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
Yes
Lobbying activity
No
Subject to proxy tax
No

Section 527 Organizations

OrganizationLocationAmount
59-1889104-$3,547
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$255,844$301,231▲ $45,387
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$455,331,666
Non-Member Share Accounts$25,097,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

EIN
59-0773154
Phone
3523774141

Signing Officer

Name
Wendy Koford
Title
Wendy Koford
Phone
3523774141
Signed
2014-03-31
Discuss with paid preparer
Yes

Organization Details

Formed
1950
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
232
Volunteers
7

Preparer

Preparer
Wendy Koford
Phone
3523774141
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

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

Pt VI, Line 7A

“An annual election is held for open spots on the board of directors”

Pt VI, Line 7A

“and we are regulated by the Florida Division of Financial”

Pt VI, Line 7A

“Institutions and the National Credit Union Administration.”

Pt VI, Line 11B

“Auditors and Examiners review the report and give a report”

Pt VI, Line 11B

“to the board of directors.”

Pt VI, Line 19

“F/S are available in branch lobby's. Call reports on web. Other items upon request”

Pt VI, Line 15A

“Florida Credit Union purchases 3rd party salary surveys of competitve industry's based on asset size.”

Pt VI, Line 12C

“Directors and employees are required to avoid conflicts”

Pt VI, Line 12C

“of interest by Federal and State banking laws. Staff and”

Pt VI, Line 12C

“board are questioned by auditors as part of the AICPA opionion audit.”

Pt VI, Line 7B

“Their are some decisions that require a member vote based on bylaws”

Pt VI, Line 7B

“and we are regulated by the Florida Division of Financial”

Pt VI, Line 7B

“Institutions and the National Credit Union Administration”

Pt VI, Line 7B

“We also submit detailed financial data quarterly to them.”

Pt VI, Line 15B

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

Form 990, Part IX, Line 24F

“Association dues 84613. Miscellaous expenses 59281. Annual meeting 7000.”

Raw XML AppendixShowing 400 of 669 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/TitleTxt12SVP Lending/CLO
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IRS990/RentalIncomeOrLossGrp/RealAmt023892
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/City0Birmingham
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/State0AL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCode035242
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IRS990ScheduleD/BuildingsGrp/BookValueAmt06659907
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02443027
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt09102934
IRS990ScheduleD/EquipmentGrp/BookValueAmt03148380
IRS990ScheduleD/EquipmentGrp/DepreciationAmt014059448
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt017207828
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
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IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt01377998
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt125097000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Non-Member Share Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt014746421
IRS990ScheduleD/TotalLiabilityAmt0480428666
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1179469
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6109125
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt126538
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$559,138,708
Liabilities
$499,163,073
Net assets
$59,975,635
Revenue
$41,516,999
Expenses
$34,933,323
Net income
$6,583,676
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