Civic Intelligence

State Chartered Credit Unions in Florida Florida Central Credit Union

990 • Fiscal year 2015 • EIN 59-0857430

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 10, 2016

Organization ProfileWWW.FCCUONLINE.COM

View Organization Page

3333 Henderson BlvdTampa, FL 33609

(813) 879-3333

Siviq Scores

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

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Liabilities / Revenue

42nd percentile

17.47x

Higher debt load relative to revenue than 42% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Net Margin

3rd percentile

0.8%

Higher net margin than 3% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Top Officer Pay

72nd percentile

$495,318

Higher top officer pay than 72% of similar nonprofits.

Top officer pay equals 2.3% of source-year revenue.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2015

Asset Growth

48th percentile

5.8%

Faster asset growth than 48% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Revenue Growth

15th percentile

0.0%

Faster revenue growth than 15% of similar nonprofits.

2015 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$413,769,774

Up $22,850,747 (+5.8%) from 2014

Net Assets

Down

$36,325,076

Down $1,770,479 (-4.6%) from 2014

Liabilities

Up

$377,444,698

Up $24,621,226 (+7.0%) from 2014

Revenue And Expenses
Liabilities / Revenue42nd percentileNet Margin3rd percentile

Revenue

Up

$21,602,757

Up $6,134 (+0.0%) from 2014

Expenses

Up

$21,439,453

Up $2,387,247 (+13%) from 2014

Net Income

Down

$163,304

Down $2,381,113 (-94%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth48th percentile

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

$800M$600M$400M$200M$0Assets 2010: $299,100,711Liabilities 2010: $269,743,004Net Assets 2010: $29,357,7072010Assets 2011: $356,257,822Liabilities 2011: $324,020,003Net Assets 2011: $32,237,8192011Assets 2012: $384,383,811Liabilities 2012: $351,831,346Net Assets 2012: $32,552,4652012Assets 2013: $386,819,806Liabilities 2013: $351,702,678Net Assets 2013: $35,117,1282013Assets 2014: $390,919,027Liabilities 2014: $352,823,472Net Assets 2014: $38,095,5552014Assets 2015: $413,769,774Liabilities 2015: $377,444,698Net Assets 2015: $36,325,0762015Assets 2016: $439,134,010Liabilities 2016: $406,071,845Net Assets 2016: $33,062,1652016Assets 2017: $451,208,582Liabilities 2017: $415,371,809Net Assets 2017: $35,836,7732017Assets 2018: $498,115,505Liabilities 2018: $462,344,975Net Assets 2018: $35,770,5302018Assets 2019: $495,049,945Liabilities 2019: $458,833,766Net Assets 2019: $36,216,1792019Assets 2020: $573,102,269Liabilities 2020: $534,875,293Net Assets 2020: $38,226,9762020Assets 2021: $620,353,009Liabilities 2021: $585,711,519Net Assets 2021: $34,641,4902021Assets 2022: $591,612,328Liabilities 2022: $584,226,613Net Assets 2022: $7,385,7152022Assets 2023: $594,851,998Liabilities 2023: $581,753,348Net Assets 2023: $13,098,6502023Assets 2024: $600,624,639Liabilities 2024: $585,919,502Net Assets 2024: $14,705,1372024

Highlighted filing

2015

Assets$413,769,774
Liabilities$377,444,698
Net Assets$36,325,076
Open 2015 Filing

Operations Trend

Revenue Growth15th percentile

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

$40M$30M$20M$10M$0-$10MExpenses 2010: $17,930,7782010Expenses 2011: $17,869,7112011Revenue 2012: $20,565,312Expenses 2012: $18,274,372Net Income 2012: $2,290,9402012Revenue 2013: $20,218,687Expenses 2013: $18,458,706Net Income 2013: $1,759,9812013Revenue 2014: $21,596,623Expenses 2014: $19,052,206Net Income 2014: $2,544,4172014Revenue 2015: $21,602,757Expenses 2015: $21,439,453Net Income 2015: $163,3042015Revenue 2016: $21,552,272Expenses 2016: $22,450,802Net Income 2016: -$898,5302016Revenue 2017: $20,703,924Expenses 2017: $18,802,642Net Income 2017: $1,901,2822017Revenue 2018: $21,071,123Expenses 2018: $19,952,284Net Income 2018: $1,118,8392018Revenue 2019: $22,829,219Expenses 2019: $23,254,955Net Income 2019: -$425,7362019Revenue 2020: $20,410,782Expenses 2020: $20,746,977Net Income 2020: -$336,1952020Revenue 2021: $19,516,716Expenses 2021: $19,696,004Net Income 2021: -$179,2882021Revenue 2022: $22,088,773Expenses 2022: $19,819,876Net Income 2022: $2,268,8972022Revenue 2023: $27,385,819Expenses 2023: $25,533,813Net Income 2023: $1,852,0062023Revenue 2024: $31,798,268Expenses 2024: $30,792,561Net Income 2024: $1,005,7072024

Highlighted filing

2015

Revenue$21,602,757
Expenses$21,439,453
Net Income$163,304
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 10, 2016
Return Version
2015v2.1
Gross Receipts
$21,944,771
Mission and Program Overview

Mission

Floridacentral credit union is a member owned cooperative dedicated to promoting thrift and providing its members with competitively priced, quality financial services while maintaining service in a professional, accurate and efficient manner to all members regardless of socio-economic status.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$270,852,494$277,825,755▲ $6,973,261
Savings and Temporary Cash Investments$32,329,627$57,076,052▲ $24,746,425
Investments in Publicly Traded Securities$46,336,349$37,930,705▼ $8,405,644
Rtn Earn Endowment Incm Other Fnds$38,095,555$36,325,076▼ $1,770,479
Land, Buildings, and Equipment, Net$13,850,081$13,267,134▼ $582,947
Prepaid Expenses and Deferred Charges$5,236,913$5,066,661▼ $170,252
Cash and Non-Interest-Bearing Accounts$3,552,895$3,147,007▼ $405,888
Accounts Receivable$1,474,632$1,228,169▼ $246,463
Investments Other Securities$805,172$840,729▲ $35,557
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$390,919,027$413,769,774▲ $22,850,747
Other Assets Total$16,480,864$17,387,562▲ $906,698
Liabilities
Other Liabilities$350,196,000$374,756,649▲ $24,560,649
Accounts Payable and Accrued Expenses$2,627,472$2,688,049▲ $60,577
Total Liabilities$352,823,472$377,444,698▲ $24,621,226
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,095,555$36,325,076▼ $1,770,479
Total Liabilities and Net Assets / Fund Balance$390,919,027$413,769,774▲ $22,850,747

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,326,474$1,214,724$7,541,198
Land$5,701,609-$5,701,609
Equipment$957,126$4,182,784$5,139,910
Leasehold Improvements$281,925$239,168$521,093
Compensation and Service Providers
Top Officer Pay72nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laida E GarciaCEO/board TreasurerFT$378,755$116,563$495,318
James ParisiCFOFT$192,541$43,088$235,629
Julie FlattSVP/COOFT$161,281$43,370$204,651
Patricia WaddellIt ManagerFT$116,010$47,139$163,149
Thomas ChestnuttDirector of SalesFT$122,340$35,820$158,160
Joseph MattaAccounting ManagerFT$112,075$38,383$150,458
Carla GantVP Human ResourcesFT$102,191$27,504$129,695
Kenneth H SpenceAssistant Board Secretary-$5,385-$5,385
Stevie OserlandBoard Secretary-$5,385-$5,385
Stephen ShearDirector-$4,786-$4,786
David KelseyChairman-$4,774-$4,774

Board Members and Trustees

NameTitle
Margaret SpurrierV. Chairperson
David SteffenDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservIn House Core Processing75 REMITTANCE DR SUITE 6945, Chicago, IL 60675$280,361
Connect FinancialHomebanking64 E WINCHESTER ST STE 230, Murray, UT 84107$271,536
Bit - Butterfly Information TechnologyMailing House11950 NW 39TH ST SUITE B, Coral Springs, FL 33065$262,431
BancvueReward CheckingPO BOX 527, Lubbock, TX 79408$258,766
Cox RadioRadio AdvertisingPO BOX 861852, Orlando, FL 32886$235,089
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$20,732,833
Investment Income
$869,924
Other Revenue
$0
Change in Net Assets
$163,304
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,962,827
Salaries, Compensation, and Employee Benefits$7,476,626
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$4,998,863--$4,998,863
Office Expenses$1,968,276--$1,968,276
Interest$1,430,266--$1,430,266
All Other Expenses$1,343,072--$1,343,072
Other Employee Benefits$1,084,443--$1,084,443
Occupancy$998,376--$998,376
Current Officers, Directors, Trustees, and Key Employees$955,928--$955,928
Depreciation Depletion$769,861--$769,861
Information Technology$735,687--$735,687
Advertising$646,852--$646,852
Payroll Taxes$468,503--$468,503
Other Expenses$434,449--$434,449
Travel$169,158--$169,158
Insurance$167,574--$167,574
Fees for Services Other$119,601--$119,601
Fees for Services Legal$91,336--$91,336
Fees for Services Accounting$56,500--$56,500
Conferences and Meetings$30,303--$30,303
Pension Plan Contributions$-31,111--$-31,111
Total Functional Expenses$21,439,453$0$0$21,439,453
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
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$3,541
Section 527 Activity Spending$3,541
Total Exempt Function Spending$3,541

Section 527 Organizations

OrganizationLocationAmount
59-0246163Tallahassee, FL$3,541
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$140,594,878
Ultimate Checking$95,543,327
Time Deposits$36,558,981
Checking Accounts$32,021,274
Money Market$24,703,192
Kasasa Deposits$14,778,252
Ira Accounts$12,968,565
Ira Certificates$10,448,883
Share Draft Business$6,015,994
Regular Share Business$896,671
Christmas Club$248,784
Escrow$-22,152
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has members.”

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

“The organization is member owned. A credit union is led by a board of directors (all of whom must be members themselves), which is elected by the credit union membership and each member gets one vote.”

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. Decisions are made by the governing body who represents the membership of the credit union.”

Form 990, Part VI, Section B, Line 11

“The accounting manager is in charge of preparing form 990. The president and ceo of the credit union along with the cfo review the return and make the necessary corrections. The return is filed when completed.”

Form 990, Part VI, Section B, Line 15

“A performance evaluation form is completed by the board annually for the ceo. Ceo salary is also determined by the board. For other officers or key employees, an evaluation is performed annually by the ceo. Job grades and compensation ranges for each grade are established by a third-party compensation form; koger, goodwin and associates.”

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 available for public viewing on the ncua.gov website via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Florida Central Credit Union
EIN
59-0857430
Phone
8138793333
Address
3333 HENDERSON BLVD, TAMPA, FL 33609

Signing Officer

Name
Laida E Garcia
Title
CEO/treasurer of the Board
Phone
8133876112
Signed
2016-08-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laida E Garcia
Formed
1991
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
6
Employees
178
Volunteers
9

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 XI, LINE 9:

“Net pension losses -1,961,420.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state, and local taxes under the provisions of the internal revenue code and state tax laws. 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. The credit union has assessed its activities and any potential federal or state income tax liability and determined no liability exists from federal or state taxation of activities deemed to be unrelated to its exempt purpose. As such, the credit union has not filed tax returns for reporting ubit-related income for tax years prior to june 30, 2015. The irs and state, where applicable, have the ability to assess taxes, penalties and interest for years in which no tax return was filed. Management has determined that the financial impact, if any, of not filing ubit-related income tax returns in previous years would not be material to the credit union's consolidated financial statements for the years ended june 30, 2015 and 2014.”

Raw XML AppendixShowing 400 of 639 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
IRS990/ActivityOrMissionDesc0FLORIDACENTRAL CREDIT UNION IS A MEMBER OWNED COOPERATIVE DEDICATED TO PROMOTING THRIFT AND PROVIDING ITS MEMBERS WITH COMPETITIVELY PRICED, QUALITY FINANCIAL SERVICES WHILE MAINTAINING SERVICE IN A PROFESSIONAL, ACCURATE AND EFFICIENT MANNER TO ALL MEMBERS REGARDLESS OF SOCIO-ECONOMIC STATUS.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt843370
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt947139
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1038383
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IRS990/Form990PartVIISectionAGrp/PersonNm2MARGARET SPURRIER
IRS990/Form990PartVIISectionAGrp/PersonNm3STEPHEN SHEAR
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVIE OSERLAND
IRS990/Form990PartVIISectionAGrp/PersonNm5DAVID STEFFEN
IRS990/Form990PartVIISectionAGrp/PersonNm6KENNETH H SPENCE
IRS990/Form990PartVIISectionAGrp/PersonNm7JAMES PARISI
IRS990/Form990PartVIISectionAGrp/PersonNm8JULIE FLATT
IRS990/Form990PartVIISectionAGrp/PersonNm9PATRICIA WADDELL
IRS990/Form990PartVIISectionAGrp/PersonNm10JOSEPH MATTA
IRS990/Form990PartVIISectionAGrp/PersonNm11THOMAS CHESTNUTT
IRS990/Form990PartVIISectionAGrp/PersonNm12CARLA GANT
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt34786
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt45385
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/TitleTxt2V. CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6ASSISTANT BOARD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt8SVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt9IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt10ACCOUNTING MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR OF SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP HUMAN RESOURCES
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IRS990/FormationYr01991
IRS990/FormerOfcrEmployeesListedInd00
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IRS990/FSAuditedInd01
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IRS990/GrantsToOrganizationsInd00
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IRS990/GrossReceiptsAmt021944771
IRS990/GroupExemptionNum02106
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IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt08
IRS990/IndoorTanningServicesInd00
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IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InformationTechnologyGrp/ProgramServicesAmt0735687
IRS990/InformationTechnologyGrp/TotalAmt0735687
IRS990/InsuranceGrp/ProgramServicesAmt0167574
IRS990/InsuranceGrp/TotalAmt0167574
IRS990/InterestGrp/ProgramServicesAmt01430266
IRS990/InterestGrp/TotalAmt01430266
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0868708
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0868708
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0805172
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0840729
IRS990/InvestmentsPubTradedSecGrp/BOYAmt046336349
IRS990/InvestmentsPubTradedSecGrp/EOYAmt037930705
IRS990/IRPDocumentCnt014864
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt05636676
IRS990/LandBldgEquipBasisNetGrp/BOYAmt013850081
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013267134
IRS990/LandBldgEquipCostOrOtherBssAmt018903810
IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0342014
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0FLORIDACENTRAL CREDIT UNION IS A MEMBER OWNED COOPERATIVE DEDICATED TO PROMOTING THRIFT AND PROVIDING ITS MEMBERS WITH COMPETITIVELY PRICED, QUALITY FINANCIAL SERVICES WHILE MAINTAINING SERVICE IN A PROFESSIONAL, ACCURATE AND EFFICIENT MANNER TO ALL MEMBERS REGARDLESS OF SOCIO-ECONOMIC STATUS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt038095555
IRS990/NetAssetsOrFundBalancesEOYAmt036325076
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01216
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01216
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt027637
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ProgramServicesAmt0998376
IRS990/OccupancyGrp/TotalAmt0998376
IRS990/OfficeExpensesGrp/ProgramServicesAmt01968276
IRS990/OfficeExpensesGrp/TotalAmt01968276
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt016480864
IRS990/OtherAssetsTotalGrp/EOYAmt017387562
IRS990/OtherChangesInNetAssetsAmt0-1961420
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt01084443
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01084443
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2OTHER LOSSES
IRS990/OtherExpensesGrp/Desc3CREDIT AND COLLECTION E
IRS990/OtherExpensesGrp/ProgramServicesAmt03789548
IRS990/OtherExpensesGrp/ProgramServicesAmt1729578
IRS990/OtherExpensesGrp/ProgramServicesAmt2482390
IRS990/OtherExpensesGrp/ProgramServicesAmt3434449
IRS990/OtherExpensesGrp/TotalAmt03789548
IRS990/OtherExpensesGrp/TotalAmt1729578
IRS990/OtherExpensesGrp/TotalAmt2482390
IRS990/OtherExpensesGrp/TotalAmt3434449
IRS990/OtherLiabilitiesGrp/BOYAmt0350196000
IRS990/OtherLiabilitiesGrp/EOYAmt0374756649
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt04998863
IRS990/OtherSalariesAndWagesGrp/TotalAmt04998863
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0270852494
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0277825755
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0468503
IRS990/PayrollTaxesGrp/TotalAmt0468503
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt0-31111
IRS990/PensionPlanContributionsGrp/TotalAmt0-31111
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05236913
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt05066661
IRS990/PrincipalOfficerNm0LAIDA E GARCIA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014398739
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt16334094
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014398739
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16334094
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt02272137
IRS990/PYOtherExpensesAmt011776091
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt019324486
IRS990/PYRevenuesLessExpensesAmt02544417
IRS990/PYSalariesCompEmpBnftPaidAmt07276115
IRS990/PYTotalExpensesAmt019052206
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021596623
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt0163304
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt038095555
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt036325076
IRS990/SavingsAndTempCashInvstGrp/BOYAmt032329627
IRS990/SavingsAndTempCashInvstGrp/EOYAmt057076052
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt03541
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/PoliticalExpendituresAmt03541
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0590246163
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt03541
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt03773 COMMONWEALTH BLVD
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0TALLAHASSEE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0FL
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd032303
IRS990ScheduleC/TotalExemptFunctionExpendAmt03541
IRS990ScheduleD/BuildingsGrp/BookValueAmt06326474
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01214724
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07541198
IRS990ScheduleD/EquipmentGrp/BookValueAmt0957126
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04182784
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05139910
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt05701609
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05701609
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0281925
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0239168
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0521093
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0140594878
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1248784
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt236558981
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt332021274
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt495543327
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt512968565
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt610448883
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt724703192
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt8-22152
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt9896671
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt106015994
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1114778252
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2TIME DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CHECKING ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ULTIMATE CHECKING
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6IRA CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8ESCROW
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9REGULAR SHARE BUSINESS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10SHARE DRAFT BUSINESS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11KASASA DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. 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. THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED NO LIABILITY EXISTS FROM FEDERAL OR STATE TAXATION OF ACTIVITIES DEEMED TO BE UNRELATED TO ITS EXEMPT PURPOSE. AS SUCH, THE CREDIT UNION HAS NOT FILED TAX RETURNS FOR REPORTING UBIT-RELATED INCOME FOR TAX YEARS PRIOR TO JUNE 30, 2015. THE IRS AND STATE, WHERE APPLICABLE, HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR YEARS IN WHICH NO TAX RETURN WAS FILED. MANAGEMENT HAS DETERMINED THAT THE FINANCIAL IMPACT, IF ANY, OF NOT FILING UBIT-RELATED INCOME TAX RETURNS IN PREVIOUS YEARS WOULD NOT BE MATERIAL TO THE CREDIT UNION'S CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED JUNE 30, 2015 AND 2014.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013267134
IRS990ScheduleD/TotalLiabilityAmt0374756649
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$413,769,774
Liabilities
$377,444,698
Net assets
$36,325,076
Revenue
$21,602,757
Expenses
$21,439,453
Net income
$163,304
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$601$586$14.7$31.8$30.8$1.01
2023Detailed filing. Detailed filing data is available for this year.$595$582$13.1$27.4$25.5$1.85
2022Detailed filing. Detailed filing data is available for this year.$592$584$7.39$22.1$19.8$2.27
2021Detailed filing. Detailed filing data is available for this year.$620$586$34.6$19.5$19.7$0.18
2020Detailed filing. Detailed filing data is available for this year.$573$535$38.2$20.4$20.7$0.34
2019Detailed filing. Detailed filing data is available for this year.$495$459$36.2$22.8$23.3$0.43
2018Detailed filing. Detailed filing data is available for this year.$498$462$35.8$21.1$20.0$1.12
2017Detailed filing. Detailed filing data is available for this year.$451$415$35.8$20.7$18.8$1.90
2016Detailed filing. Detailed filing data is available for this year.$439$406$33.1$21.6$22.5$0.90
2015Detailed filing. Detailed filing data is available for this year.$414$377$36.3$21.6$21.4$0.16
2014Detailed filing. Detailed filing data is available for this year.$391$353$38.1$21.6$19.1$2.54
2013Detailed filing. Detailed filing data is available for this year.$387$352$35.1$20.2$18.5$1.76
2012Summary only. Only limited summary data is available for this year.$384$352$32.6$20.6$18.3$2.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$356$324$32.2$17.9
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$299$270$29.4$17.9