Civic Intelligence

State Chartered Credit Unions in Florida Florida Central Credit Union

990 • Fiscal year 2020 • EIN 59-0857430

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 27, 2021

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

99th percentile

0.93x

Higher debt load relative to assets than 99% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

91st percentile

26.21x

Higher debt load relative to revenue than 91% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

4th percentile

-1.6%

Higher net margin than 4% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

57th percentile

$448,289

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Asset Growth

39th percentile

16%

Faster asset growth than 39% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

9th percentile

-11%

Faster revenue growth than 9% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Assets

Up

$573,102,269

Up $78,052,324 (+16%) from 2019

Net Assets

Up

$38,226,976

Up $2,010,797 (+5.6%) from 2019

Liabilities

Up

$534,875,293

Up $76,041,527 (+17%) from 2019

Revenue

Down

$20,410,782

Down $2,418,437 (-11%) from 2019

Expenses

Down

$20,746,977

Down $2,507,978 (-11%) from 2019

Net Income

Up

-$336,195

Up $89,541 (+21%) from 2019

Historical Trend

Balance Sheet Trend

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

2020

Assets$573,102,269
Liabilities$534,875,293
Net Assets$38,226,976

Operations Trend

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

2020

Revenue$20,410,782
Expenses$20,746,977
Net Income-$336,195
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 27, 2021
Return Version
2020v4.1
Gross Receipts
$20,410,782
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$340,224,268$319,872,523▼ $20,351,745
Investments in Publicly Traded Securities$48,528,872$123,401,910▲ $74,873,038
Savings and Temporary Cash Investments$58,443,410$75,783,917▲ $17,340,507
Rtn Earn Endowment Incm Other Fnds$36,216,179$38,226,976▲ $2,010,797
Land, Buildings, and Equipment, Net$14,734,126$21,005,936▲ $6,271,810
Prepaid Expenses and Deferred Charges$7,853,512$8,675,235▲ $821,723
Cash and Non-Interest-Bearing Accounts$3,336,543$3,023,144▼ $313,399
Investments Other Securities$1,192,139$1,259,990▲ $67,851
Accounts Receivable$2,994,952$575,581▼ $2,419,371
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$495,049,945$573,102,269▲ $78,052,324
Other Assets Total$17,742,123$19,504,033▲ $1,761,910
Liabilities
Other Liabilities$454,020,988$531,209,582▲ $77,188,594
Accounts Payable and Accrued Expenses$4,812,778$3,665,711▼ $1,147,067
Total Liabilities$458,833,766$534,875,293▲ $76,041,527
Net Assets / Fund Balance
Total Net Assets Fund Balance$36,216,179$38,226,976▲ $2,010,797
Total Liabilities and Net Assets / Fund Balance$495,049,945$573,102,269▲ $78,052,324

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,219,888$5,322,947$11,542,835
Buildings$7,895,902$2,267,855$10,163,757
Land$6,776,526-$6,776,526
Leasehold Improvements$113,620$431,897$545,517
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laida E GarciaCEO/board TreasurerFT$363,944$84,345$448,289
Julie FlattEvp/COOFT$185,033$43,349$228,382
Sharon HillCFOFT$192,940$34,973$227,913
Brian RobinsonSVP/CMOFT$114,429$55,337$169,766
Thomas ChestnuttDirector of SalesFT$127,679$37,201$164,880
Craig BurkhardCheif Credit OfficerFT$130,793$28,023$158,816
Carla GantVP HumanFT$106,764$44,093$150,857
Patricia WaddellIt ManagerFT$121,743$23,746$145,489
Joseph MattaContollerFT$117,744$17,559$135,303

Board Members and Trustees

NameTitle
Margaret SpurrierChairperson
Stevie OserlandVice Chairman
David SteffenDirector
Stephen ShearDirector
William MignoneDirector
Kenneth H SpenceSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Jo Delotto & SonsContractor924 EAST BUSCH BLVD, Tampa, FL 33612$3,791,804
Kasasa LtdChecking AcctsPO BOX 527, Lubbock, TX 79408$328,850
Connect FinancialHomebankingPO BOX 923, Sandy, UT 84091$300,448
Fiserv INCCore SystemPO BOX 934057, Atlanta, GA 31193-4057$209,475
People 20 Global LPTemp EmploymentPO BOX 536853, Atlanta, GA 30353-6853$197,674
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,450,955
Investment Income
$2,959,827
Other Revenue
$0
Change in Net Assets
$-336,195
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,950,249
Salaries, Compensation, and Employee Benefits$8,796,728
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,349,291
Interest---$2,653,949
Pension Plan Contributions---$1,095,589
Office Expenses---$1,080,423
Current Officers, Directors, Trustees, and Key Employees---$1,063,400
All Other Expenses---$1,030,305
Other Employee Benefits---$844,462
Occupancy---$713,030
Other Expenses---$663,899
Depreciation Depletion---$638,811
Advertising---$588,018
Payroll Taxes---$443,986
Information Technology---$191,235
Insurance---$158,126
Fees for Services Other---$137,621
Fees for Services Accounting---$115,801
Fees for Services Legal---$48,268
Travel---$35,782
Fees for Services Management---$33,907
Conferences and Meetings---$10,216
Total Functional Expenses$0$0$0$20,746,977
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
Regular Shares$166,573,299
Ultimate Checking$155,037,008
Money Market$79,675,525
Time Deposits$62,632,871
Checking Accounts$44,568,771
Ira Certificates$11,200,834
Ira Accounts$10,974,602
Christmas Club$381,788
Escrow$164,884
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
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 11B

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. The ceo's 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
2021-10-27
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
168
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 IX, Line 24E

Atm expense 530,134. Home banking 322,058. Association dues 76,748. Miscellaneous expense 55,206. Education and promotion 38,851. Other losses 7,308.

FORM 990, PART XI, LINE 9:

Net pension losses 763,192.

Form 990, Part XII, Line 2C

There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.

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 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.

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8192940
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12127679
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13114429
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14106764
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHEIF CREDIT OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt11CONTOLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR OF SALES
IRS990/Form990PartVIISectionAGrp/TitleTxt13SVP/CMO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP HUMAN
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01991
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt020410782
IRS990/GroupExemptionNum02106
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0191235
IRS990/InsuranceGrp/TotalAmt0158126
IRS990/InterestGrp/TotalAmt02653949
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt02959827
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt02959827
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt01192139
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01259990
IRS990/InvestmentsPubTradedSecGrp/BOYAmt048528872
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0123401910
IRS990/IRPDocumentCnt012454
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt08022699
IRS990/LandBldgEquipBasisNetGrp/BOYAmt014734126
IRS990/LandBldgEquipBasisNetGrp/EOYAmt021005936
IRS990/LandBldgEquipCostOrOtherBssAmt029028635
IRS990/LegalDomicileStateCd0FL
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/NetAssetsOrFundBalancesBOYAmt036216179
IRS990/NetAssetsOrFundBalancesEOYAmt038226976
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt01583800
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0713030
IRS990/OfficeExpensesGrp/TotalAmt01080423
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt017742123
IRS990/OtherAssetsTotalGrp/EOYAmt019504033
IRS990/OtherChangesInNetAssetsAmt0763192
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0844462
IRS990/OtherExpensesGrp/Desc0SHARE/DEBIT/CREDIT CARD
IRS990/OtherExpensesGrp/Desc1MAINTENANCE AND REPAIRS
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3CREDIT AND COLLECTION E
IRS990/OtherExpensesGrp/TotalAmt01539853
IRS990/OtherExpensesGrp/TotalAmt11363946
IRS990/OtherExpensesGrp/TotalAmt2947059
IRS990/OtherExpensesGrp/TotalAmt3663899
IRS990/OtherLiabilitiesGrp/BOYAmt0454020988
IRS990/OtherLiabilitiesGrp/EOYAmt0531209582
IRS990/OtherSalariesAndWagesGrp/TotalAmt05349291
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0340224268
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0319872523
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0443986
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01095589
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07853512
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08675235
IRS990/PrincipalOfficerNm0LAIDA E GARCIA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE & INSURANCE
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt15746639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011665387
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt15746639
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt238929
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt038929
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03949144
IRS990/PYOtherExpensesAmt014469824
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt018880075
IRS990/PYRevenuesLessExpensesAmt0-425736
IRS990/PYSalariesCompEmpBnftPaidAmt08785131
IRS990/PYTotalExpensesAmt023254955
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt022829219
IRS990/ReconcilationRevenueExpnssAmt0-336195
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt036216179
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt038226976
IRS990/SavingsAndTempCashInvstGrp/BOYAmt058443410
IRS990/SavingsAndTempCashInvstGrp/EOYAmt075783917
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt07895902
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02267855
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt010163757
IRS990ScheduleD/EquipmentGrp/BookValueAmt06219888
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05322947
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt011542835
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt06776526
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt06776526
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0113620
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0431897
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0545517
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0166573299
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1381788
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt262632871
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt344568771
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4155037008
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt510974602
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt611200834
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt779675525
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt8164884
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/SupplementalInformationDetail/ExplanationTxt0THE 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleD/TotalLiabilityAmt0531209582
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990ScheduleJ/PersonalServicesInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0363944
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1185033
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2192940
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3114429
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4127679
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5130793
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6106764
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount40
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount50
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount60
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt40

Document Assets

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Filings

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