Civic Intelligence

Radiant Credit Union

EIN 59-0808589 • 501(c)14 • Gainesville, FL

View Organization Page

Profile

We will deliver a timely, attentive, personalized experience that leaves our members feeling valued!

4440 NW 25th PlGainesville, FL 32606-6563

www.radiantcu.org

Siviq Scores

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

Liabilities / Assets

4th percentile

0.22x

Higher debt load relative to assets than 4% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

4th percentile

3.42x

Higher debt load relative to revenue than 4% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

49th percentile

9.0%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

76th percentile

6.4%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

38th percentile

12%

Faster revenue growth than 38% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets4th percentile

Assets

Up

$855,283,975

Up $51,796,922 (+6.4%) from 2023

Liabilities

Up

$190,174,455

Up $46,316,273 (+32%) from 2023

Net Assets

Up

$665,109,520

Up $5,480,649 (+0.8%) from 2023

Operations
Liabilities / Revenue4th percentileNet Margin49th percentile

Revenue

Up

$55,611,981

Up $5,785,907 (+12%) from 2023

Expenses

Up

$50,603,854

Up $3,558,275 (+7.6%) from 2023

Net Income

Up

$5,008,127

Up $2,227,632 (+80%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

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

$1.0B$500M$0Assets 2021: $703,310,605Liabilities 2021: $44,616,524Net Assets 2021: $658,694,0812021Assets 2022: $749,270,618Liabilities 2022: $92,214,195Net Assets 2022: $657,056,4232022Assets 2023: $803,487,053Liabilities 2023: $143,858,182Net Assets 2023: $659,628,8712023Assets 2024: $855,283,975Liabilities 2024: $190,174,455Net Assets 2024: $665,109,5202024

Highlighted filing

2024

Assets$855,283,975
Liabilities$190,174,455
Net Assets$665,109,520
Open 2024 Filing

Operations Trend

Revenue Growth38th percentile

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

$60M$40M$20M$0Revenue 2021: $32,731,636Expenses 2021: $27,893,079Net Income 2021: $4,838,5572021Revenue 2022: $40,380,300Expenses 2022: $34,980,000Net Income 2022: $5,400,3002022Revenue 2023: $49,826,074Expenses 2023: $47,045,579Net Income 2023: $2,780,4952023Revenue 2024: $55,611,981Expenses 2024: $50,603,854Net Income 2024: $5,008,1272024

Highlighted filing

2024

Revenue$55,611,981
Expenses$50,603,854
Net Income$5,008,127
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$855,283,975
Liabilities
$190,174,455
Net assets
$665,109,520
Revenue
$55,611,981
Expenses
$50,603,854
Net income
$5,008,127
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$855$190$665$55.6$50.6$5.01
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$803$144$660$49.8$47.0$2.78
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$749$92.2$657$40.4$35.0$5.40
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$703$44.6$659$32.7$27.9$4.84
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 13, 2025
Return Version
2024v5.2
Gross Receipts
$55,611,981
Mission and Program Overview

Mission

We will deliver a timely, attentive, personalized experience that leaves our members feeling valued!

Organization is a not-for-profit credit union that offers members loan and deposit services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$659,628,871$665,109,520▲ $5,480,649
Other Notes and Loans Receivable, Net$621,808,062$647,566,038▲ $25,757,976
Investments Other Securities$128,230,055$143,342,300▲ $15,112,245
Land, Buildings, and Equipment, Net$22,125,703$23,481,181▲ $1,355,478
Accounts Receivable$16,042,605$18,532,792▲ $2,490,187
Cash and Non-Interest-Bearing Accounts$3,423,352$6,859,917▲ $3,436,565
Prepaid Expenses and Deferred Charges$2,309,892$5,813,302▲ $3,503,410
Intangible Assets$725,074$478,079▼ $246,995
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$803,487,053$855,283,975▲ $51,796,922
Other Assets Total$8,822,310$9,210,366▲ $388,056
Liabilities
Other Liabilities$99,442,826$145,543,879▲ $46,101,053
Mortgage Notes Payable Secured by Investment Property$40,000,000$40,000,000→ $0
Accounts Payable and Accrued Expenses$3,874,519$4,177,571▲ $303,052
Deferred Revenue$540,837$453,005▼ $87,832
Total Liabilities$143,858,182$190,174,455▲ $46,316,273
Net Assets / Fund Balance
Total Net Assets Fund Balance$659,628,871$665,109,520▲ $5,480,649
Total Liabilities and Net Assets / Fund Balance$803,487,053$855,283,975▲ $51,796,922

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,197,020$6,023,232$20,220,252
Land$7,614,775-$7,614,775
Equipment$1,468,988$5,116,746$6,585,734
Leasehold Improvements$200,398$695,131$895,529
Other Securities$83,937,139--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas BarnardPresident/CEOFT$436,093$121,599$557,692
Kelly ChesserCOOFT$206,914$67,204$274,118
Trey PresnellCFOFT$201,752$65,772$267,524
Andrew CuomoCPOFT$196,266$65,771$262,037
Matthew BraddyCLOFT$186,676$63,515$250,191
Wes StricklandVP of MarketingFT$141,181$38,768$179,949
Brandon LoveCIOFT$143,425$30,263$173,688
Tannia WeaverVP of Risk/complianceFT$132,959$34,218$167,177
Josh EmersonVP of CreditFT$130,411$34,723$165,134
Kimberly MaxwellVP of ItFT$123,682$33,671$157,353
Eric WhislerContact Center DirectorFT$131,575$7,900$139,475
Chad KingChairman-$3,203-$3,203
David NicholsonTreasurer-$2,846-$2,846
John PowerDirector-$1,659-$1,659
Cynthia S BrochuVice Chairperson-$1,492-$1,492
Jane TaylorSecretary-$1,173-$1,173
Calvin DecourseyDirector-$1,006-$1,006

Board Members and Trustees

NameTitle
April SavareseDirector
Charles Geiger SrDirector
Sharon PapciakDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Sorenson Vanleuven PllcLegal FeesPO BOX 3637, Tallahassee, FL 32315$384,849
Wittenbach Business Systems LLCSecurityPO BOX 45769, Baltimore, MD 21297-5769$159,210
Pk 5 LLCRent2627 NW 43RD STREET SUITE 300, Gainesville, FL 32606$138,071
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$37,459,589
Investment Income
$6,222,396
Other Revenue
$11,929,996
Change in Net Assets
$5,008,127

Audited Revenue Reconciliation

Revenue per Audited Statements
$55,611,981
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$472,522
Total Revenue per Audited Statements
$56,084,503
Total Revenue per Form 990
$55,611,981
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$34,342,065
Salaries, Compensation, and Employee Benefits$16,261,789
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$14,813,396
Other Salaries and Wages---$11,723,222
Information Technology---$3,585,727
Other Employee Benefits---$2,225,556
Current Officers, Directors, Trustees, and Key Employees---$1,796,630
Occupancy---$1,207,481
Depreciation Depletion---$1,132,318
Advertising---$908,031
Office Expenses---$883,196
All Other Expenses---$851,656
Other Expenses---$646,861
Fees for Services Other---$640,362
Pension Plan Contributions---$516,381
Travel---$363,286
Insurance---$208,804
Fees for Services Legal---$162,052
Fees for Services Accounting---$101,396
Conferences and Meetings---$2,000
Total Functional Expenses$0$0$0$50,603,854

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$50,603,854
Total Expenses per Audited Statements$50,603,854
Total Expenses per Form 990$50,603,854
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
Share Liability$145,573,785
Operating Lease Liability$478,079
Interest Payable$206,847
Miscellaneous Liabilities$91,549
Dividends Payable$3,524
Taxes Payable$-77,268
Other Liabilities$-732,637
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“The return is reviewed by management before filing. The return is not given to the entire board for review prior to filing.”

Form 990, Part VI, Section B, Line 15

“The organization uses the following to determine the salary of the ceo: - compensation committee that is a sub-committee of the board - independent compensation consultant - compensation study - approval by the board/committee - written employment contract similar procedures are followed for other key officers.”

Form 990, Part VI, Section C, Line 19

“Form 990 is available upon request.”

Filing and Contact Details

Filer

Filer Name
Radiant Credit Union
EIN
59-0808589
Phone
3864621180
Address
4440 NW 25TH PL, GAINESVILLE, FL 32606-6563

Signing Officer

Name
Trey Presnell
Title
CFO
Phone
3864621180
Signed
2025-10-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Barnard
Formed
2021
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
210
Volunteers
12

Preparer

Firm
James Moore & Co Pl
Address
5931 NW 1ST PL, GAINESVILLE, FL 32607-2063
Preparer
Corinne Laroche
Phone
3523781331
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 758 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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