Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
57th percentile
Higher debt load relative to assets than 57% of similar nonprofits.
Liabilities / Revenue
6th percentile
Higher debt load relative to revenue than 6% of similar nonprofits.
Net Margin
61st percentile
Higher net margin than 61% of similar nonprofits.
Top Officer Pay
53rd percentile
Higher top officer pay than 53% of similar nonprofits.
Top officer pay equals 1.2% of source-year revenue.
Asset Growth
93rd percentile
Faster asset growth than 93% of similar nonprofits.
Revenue Growth
70th percentile
Faster revenue growth than 70% of similar nonprofits.
Assets
Up$1,110,685,305
Up $135,450,733 (+14%) from 2017
Net Assets
Up$114,758,339
Up $15,638,444 (+16%) from 2017
Liabilities
Up$995,926,966
Up $119,812,289 (+14%) from 2017
Revenue
Up$74,227,381
Up $10,448,450 (+16%) from 2017
Expenses
Up$58,588,938
Up $7,546,292 (+15%) from 2017
Net Income
Up$15,638,443
Up $2,902,158 (+23%) from 2017
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 member funds provide the foundation from which the organization can function and provide service to its restricted membership.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $841,092,187 | $963,961,356 | ▲ $122,869,169 |
| Rtn Earn Endowment Incm Other Fnds | $99,119,895 | $114,758,339 | ▲ $15,638,444 |
| Savings and Temporary Cash Investments | $76,790,348 | $91,460,600 | ▲ $14,670,252 |
| Land, Buildings, and Equipment, Net | $20,998,070 | $19,903,460 | ▼ $1,094,610 |
| Prepaid Expenses and Deferred Charges | $8,590,746 | $8,871,541 | ▲ $280,795 |
| Accounts Receivable | $7,824,195 | $6,648,565 | ▼ $1,175,630 |
| Cash and Non-Interest-Bearing Accounts | $6,582,490 | $4,977,369 | ▼ $1,605,121 |
| Investments Other Securities | $1,413,900 | $1,515,300 | ▲ $101,400 |
| Receivables From Officers Etc | $140,550 | $180,937 | ▲ $40,387 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Total Assets | $975,234,572 | $1,110,685,305 | ▲ $135,450,733 |
| Other Assets Total | $11,802,086 | $13,166,177 | ▲ $1,364,091 |
| Liabilities | |||
| Other Liabilities | $842,671,766 | $964,371,663 | ▲ $121,699,897 |
| Accounts Payable and Accrued Expenses | $17,347,860 | $15,321,612 | ▼ $2,026,248 |
| Mortgage Notes Payable Secured by Investment Property | $15,000,000 | $15,000,000 | → $0 |
| Escrow Account Liability | $1,033,509 | $1,190,399 | ▲ $156,890 |
| Deferred Revenue | $61,542 | $43,292 | ▼ $18,250 |
| Total Liabilities | $876,114,677 | $995,926,966 | ▲ $119,812,289 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $99,119,895 | $114,758,339 | ▲ $15,638,444 |
| Total Liabilities and Net Assets / Fund Balance | $975,234,572 | $1,110,685,305 | ▲ $135,450,733 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $4,228,166 | $21,609,382 | $25,837,548 |
| Buildings | $8,597,348 | $3,824,797 | $12,422,145 |
| Land | $6,292,513 | - | $6,292,513 |
| Leasehold Improvements | $721,243 | $1,144,224 | $1,865,467 |
| Other Land Buildings | $64,190 | $532,683 | $596,873 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Mark Starr | President/CEO | FT | $497,348 | $369,793 | $867,141 |
| David Eckardt | SVP Operations/COO | FT | $213,608 | $170,400 | $384,008 |
| Wendy Koford | SVP Finance/CFO | FT | $183,305 | $95,606 | $278,911 |
| Thomas Beck | SVP Is/CTO | FT | $173,583 | $103,322 | $276,905 |
| Christine Suarez-Jenkins | SVP Lending/CLO | FT | $177,535 | $92,882 | $270,417 |
| Evan Pitts | SVP of Commercial Lending | FT | $153,018 | $85,446 | $238,464 |
| Byron Zonin | AVP of Mortgages | FT | $106,916 | $54,089 | $161,005 |
| Kirk Becker | VP Information Services | FT | $121,817 | $36,950 | $158,767 |
| Wesley Colson | VP Member Solutions | FT | $85,309 | $66,403 | $151,712 |
| Gregory Purvis | VP Consumer Lending | FT | $108,664 | $34,209 | $142,873 |
| Beatrice Cherry | VP Marketing | FT | $100,539 | $27,195 | $127,734 |
| Name | Title |
|---|---|
| Alfred Peoples | Chair |
| Lynn Jones | Vice-Chair |
| Andrew Sutherland | Board Secretary |
| William Hopgood | Board Treasurer |
| Dr Barbara Buys | Director |
| Dr Jacquiline Hart | Director |
| Judy Johnson | Director |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Williams Gautier Law Firm | Attorneys | PO Box 4128, Tallahassee, FL 32315 | $234,770 |
| Nationwide Appraisal Network LLC | Appraisal Services | 250 Pine Ave Suite A, Oldsmar, FL 34677 | $202,225 |
| Family Recovery Services LLC | Repossesion Firm | PO Box 916, Archer, FL 32618 | $189,119 |
| Sorenson Van Leuven Law Firm | Attorneys | PO Box 3637, Tallahassee, FL 32315 | $180,848 |
| Line Item | Amount |
|---|---|
| Other Expenses | $38,942,004 |
| Salaries, Compensation, and Employee Benefits | $19,646,934 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $13,099,834 |
| Interest | - | - | - | $9,121,412 |
| Office Expenses | - | - | - | $5,067,726 |
| Advertising | - | - | - | $3,731,944 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $2,315,846 |
| Depreciation Depletion | - | - | - | $2,163,619 |
| Other Employee Benefits | - | - | - | $1,688,495 |
| Pension Plan Contributions | - | - | - | $1,451,275 |
| Occupancy | - | - | - | $1,409,556 |
| Payroll Taxes | - | - | - | $1,091,484 |
| Fees for Services Legal | - | - | - | $660,700 |
| Conferences and Meetings | - | - | - | $593,549 |
| Insurance | - | - | - | $282,233 |
| All Other Expenses | - | - | - | $256,442 |
| Other Expenses | - | - | - | $171,240 |
| Fees for Services Accounting | - | - | - | $101,640 |
| Total Functional Expenses | $0 | $0 | $0 | $58,588,938 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $140,550 | $180,937 | ▲ $40,387 |
| Liability | Amount |
|---|---|
| Member Deposits | $900,045,663 |
| Non-Member Share Accounts | $64,326,000 |
“Anyone doing business with the credit union is a member.”
“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.”
“Auditors and examiners review the report and give a report to the board of directors.”
“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.”
“Florida Credit Union purchases 3rd party salary surveys of competitive industries based on asset size.”
“Financial Statements are available in branch lobbies. Call reports on the web.”
“Rounding 1.”
“The process has not changed from previous year.”
“Escrow for Tax and Insurance on Members Mortgage and Commercial Loans.”
“Effective January 1, 2009, the Credit Union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of Financial Accounting Standards Board (FASB) ASC 740, Income Taxes. The guidance prescribes a minimum recognition threshold and measurement methodology that a tax position taken or expected to be taken in a tax return is required before being recognized in the financial statements. It also provides guidance for derecognition, classification, interest, and penalties, accounting in interim periods, disclosure, and transition. As of September 30, 2018, the Credit Union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. With few exceptions, the Credit Union is no longer subject to US federal Income tax examinations by tax authorities for years before 2014.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 17347860 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 15321612 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 7824195 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 6648565 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | 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. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 3731944 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 256442 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Mark Starr CEO |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 3523774141 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1615 NW 80th Blvd |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Gainesville |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 32606 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 6582490 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 4977369 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 2315846 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 593549 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 234770 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 202225 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 189119 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 180848 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | PO Box 4128 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 250 Pine Ave Suite A |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | PO Box 916 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | PO Box 3637 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Tallahassee |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Oldsmar |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | Archer |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | Tallahassee |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | FL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | FL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | FL |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 32315 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 34677 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 32618 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 32315 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | Williams Gautier Law Firm |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | Nationwide Appraisal Network LLC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Family Recovery Services LLC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | Sorenson Van Leuven Law Firm |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Attorneys |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Appraisal Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | Repossesion Firm |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | Attorneys |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 697675 |
| IRS990/CYOtherExpensesAmt | 0 | 38942004 |
| IRS990/CYOtherRevenueAmt | 0 | 41615 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 73488091 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 15638443 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 19646934 |
| IRS990/CYTotalExpensesAmt | 0 | 58588938 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 74227381 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 61542 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 43292 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 2163619 |
| IRS990/Desc | 0 | Income from credit union membership and from investment of members funds provide the foundation from which the organization can function and provide service to its restricted membership. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 335 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 1033509 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 1190399 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 101640 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 660700 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form1098CFiledInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 262964 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 51973 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 114669 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 63602 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 42015 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 50326 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 31333 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 41989 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 22259 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 34209 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 27195 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Dr Jacquiline Hart |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Dr Barbara Buys |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Alfred Peoples |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Lynn Jones |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Judy Johnson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | William Hopgood |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Andrew Sutherland |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Mark Starr |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Wendy Koford |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | David Eckardt |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Thomas Beck |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Christine Suarez-Jenkins |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Evan Pitts |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Kirk Becker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Byron Zonin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Wesley Colson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | Gregory Purvis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | Beatrice Cherry |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 604177 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 226938 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 269339 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 213303 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 228402 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 188138 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 127434 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 119016 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 129453 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 108664 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 100539 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Vice-Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | SVP Finance/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | SVP Operations/COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | SVP IS/CTO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | SVP Lending/CLO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | SVP of Commercial Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | VP Information Services |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | AVP of Mortgages |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | VP Member Solutions |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | VP Consumer Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | VP Marketing |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1950 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -1216170 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 190047 |
| IRS990/GrossReceiptsAmt | 0 | 72802021 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 60758 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 11 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 282233 |
| IRS990/InterestGrp/TotalAmt | 0 | 9121412 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1913845 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1913845 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1413900 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1515300 |
| IRS990/IRPDocumentCnt | 0 | 30 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 27111086 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 20998070 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 19903460 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 47014546 |
| IRS990/LegalDomicileStateCd | 0 | FL |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | -1406217 |
| IRS990/LessRentalExpensesGrp/RealAmt | 0 | -19143 |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | 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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 15000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 15000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 99119895 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 114758339 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | -1216170 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -1216170 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 41615 |
| IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt | 0 | 41615 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1409556 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 5067726 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 11802086 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 13166177 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1688495 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Prof and Outside Servic |
| IRS990/OtherExpensesGrp/Desc | 2 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 3 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 7920500 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 3768351 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 3693092 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 171240 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 842671766 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 964371663 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 13099834 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 841092187 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 963961356 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 1091484 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 1451275 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 8590746 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 8871541 |
| IRS990/PrincipalOfficerNm | 0 | Wendy Koford |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 525990 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Mechanical Breakdown |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | ATM Surcharges |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 345111 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 40562 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 345111 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 40562 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | -26662 |
| IRS990/PYOtherExpensesAmt | 0 | 32983502 |
| IRS990/PYOtherRevenueAmt | 0 | 48890 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 63756703 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 12736285 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 18059144 |
| IRS990/PYTotalExpensesAmt | 0 | 51042646 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 63778931 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 140550 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 180937 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 15638443 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 41615 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 99119895 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 114758339 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 76790348 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 91460600 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 8597348 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3824797 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 12422145 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 4228166 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 21609382 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 25837548 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 6292513 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 6292513 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 721243 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 1144224 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 1865467 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 64190 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 532683 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 596873 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 900045663 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 64326000 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member Deposits |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Non-Member Share Accounts |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | Escrow for Tax and Insurance on Members Mortgage and Commercial Loans. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | Effective January 1, 2009, the Credit Union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of Financial Accounting Standards Board (FASB) ASC 740, Income Taxes. The guidance prescribes a minimum recognition threshold and measurement methodology that a tax position taken or expected to be taken in a tax return is required before being recognized in the financial statements. It also provides guidance for derecognition, classification, interest, and penalties, accounting in interim periods, disclosure, and transition. As of September 30, 2018, the Credit Union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. With few exceptions, the Credit Union is no longer subject to US federal Income tax examinations by tax authorities for years before 2014. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part IV, Line 2b: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Part X, Line 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 19903460 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 964371663 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 497348 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 183305 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.