Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2012 • EIN 59-0860768

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 21, 2013

Organization Profilewww.ccuflorida.org

View Organization Page

1030 South US 132955
Siviq Scores

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

Liabilities / Assets

59th percentile

0.90x

Higher debt load relative to assets than 59% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

56th percentile

6.4%

Faster asset growth than 56% of similar nonprofits.

2012 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$408,386,714

Up $24,573,992 (+6.4%) from 2011

Net Assets

Up

$39,311,148

Up $5,304,900 (+16%) from 2011

Liabilities

Up

$369,075,566

Up $19,269,092 (+5.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$18,255,046

Down $2,059,680 (-10%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth56th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $359,966,164Liabilities 2010: $328,517,449Net Assets 2010: $31,448,7152010Assets 2011: $383,812,722Liabilities 2011: $349,806,474Net Assets 2011: $34,006,2482011Assets 2012: $408,386,714Liabilities 2012: $369,075,566Net Assets 2012: $39,311,1482012Assets 2013: $438,404,390Liabilities 2013: $392,078,782Net Assets 2013: $46,325,6082013Assets 2014: $486,218,880Liabilities 2014: $436,649,014Net Assets 2014: $49,569,8662014Assets 2015: $540,437,606Liabilities 2015: $485,983,951Net Assets 2015: $54,453,6552015Assets 2016: $591,284,233Liabilities 2016: $528,512,566Net Assets 2016: $62,771,6672016Assets 2017: $659,157,986Liabilities 2017: $585,954,665Net Assets 2017: $73,203,3212017Assets 2018: $726,483,060Liabilities 2018: $640,883,953Net Assets 2018: $85,599,1072018Assets 2019: $809,920,874Liabilities 2019: $713,379,612Net Assets 2019: $96,541,2622019Assets 2020: $920,888,310Liabilities 2020: $819,104,599Net Assets 2020: $101,783,7112020Assets 2021: $1,021,969,331Liabilities 2021: $907,345,069Net Assets 2021: $114,624,2622021Assets 2022: $1,120,501,481Liabilities 2022: $990,907,347Net Assets 2022: $129,594,1342022Assets 2023: $1,278,730,537Liabilities 2023: $1,137,998,117Net Assets 2023: $140,732,4202023Assets 2024: $1,372,263,273Liabilities 2024: $1,226,064,767Net Assets 2024: $146,198,5062024

Highlighted filing

2012

Assets$408,386,714
Liabilities$369,075,566
Net Assets$39,311,148
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$80M$60M$40M$20M$0Expenses 2010: $22,511,1032010Expenses 2011: $20,314,7262011Expenses 2012: $18,255,0462012Revenue 2013: $25,357,945Expenses 2013: $18,882,414Net Income 2013: $6,475,5312013Revenue 2014: $25,064,221Expenses 2014: $21,276,771Net Income 2014: $3,787,4502014Revenue 2015: $27,035,402Expenses 2015: $21,724,607Net Income 2015: $5,310,7952015Revenue 2016: $29,546,215Expenses 2016: $20,422,423Net Income 2016: $9,123,7922016Revenue 2017: $32,799,023Expenses 2017: $21,885,248Net Income 2017: $10,913,7752017Revenue 2018: $37,466,135Expenses 2018: $24,386,848Net Income 2018: $13,079,2872018Revenue 2019: $42,788,484Expenses 2019: $30,983,530Net Income 2019: $11,804,9542019Revenue 2020: $41,999,208Expenses 2020: $36,548,358Net Income 2020: $5,450,8502020Revenue 2021: $43,006,441Expenses 2021: $29,718,670Net Income 2021: $13,287,7712021Revenue 2022: $47,699,278Expenses 2022: $32,792,091Net Income 2022: $14,907,1872022Revenue 2023: $64,769,031Expenses 2023: $53,493,486Net Income 2023: $11,275,5452023Revenue 2024: $78,734,084Expenses 2024: $74,320,222Net Income 2024: $4,413,8622024

Highlighted filing

2012

Revenue-
Expenses$18,255,046
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 21, 2013
Return Version
2012v2.0
Gross Receipts
$24,579,703
Mission and Program Overview

Mission

Community Credit Union of Florida is a member owned, not-for-profit, financial cooperative formed in 1953 by local educators. CCU of Florida has grown to more than 37,900 members, CCU's mission is to "Always improve the financial well-being of our members and make a positive difference in our community.

Major Activities

Activity 2
Offer financial services to 33,453 members in the form of deposit accounts, debit/atm cards, money orders, safe deposit boxes, wire transfers and many other services that are provided by Community Credit Union of Florida.
Activity 3
Investments are used as a means of extra earnings on deposited funds that have not been utilized for any lending programs.
Filing and Contact Details

Filer

EIN
59-0860768
Raw XML AppendixShowing 400 of 580 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/ActivityOrMissionDescription0Community Credit Union of Florida provides financial services to it's 33,453 members as of 12/31/2012. CCUflorida is servicing 18,280 member loans and has a total of 67,885 deposit accounts.
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IRS990ScheduleD/ExpensesSubtotal018255046
IRS990ScheduleD/FootnoteInPartXIII0X
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0Deposits of our membership such as checking, savings, IRA, certificate of deposits and money market accounts. The credit union is exempt by statue from federal and state income taxes. The Internal Revenue Service and certain state taxing authorities are currently revisiting what if any, products and services provided by state chartered credit unions or their credit union service organizations are subject to unrelated business tax (UBITS). There is very little guidance in the IRS code on what activities should be subject to UBIT. The IRS has recently issued certain technical advice memorandums identifing certain activities as being subject to UBIT. As a result, at this time these is uncertainty regarding whether state chartered credit unions should pay income tax on certain types of net taxable income from activities that may be considered by taxing authorities as unrelated to the purpose for which credit unions were granted non-taxable status. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities deemed unrelated to the credit union's non-taxable status is not expected to have a material effect on the financial position or results of operation. A tax position, including the position that the credit union is not subject to income tax, is recognized as a benefit only if is is "more liekly that not" that the tax position whould be sustained in a tax examination, with a tax examination being presumed to occur.
IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier0SchD_P10_S00_L02
IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference0Schedule D, Part X, Line 2
IRS990ScheduleD/InvestmentExpensesNotIncluded00
IRS990ScheduleD/InvestmentExpensesNotIncluded200
IRS990ScheduleD/Land/BookValue03296641
IRS990ScheduleD/Land/InvestmentCostOrOtherBasis00
IRS990ScheduleD/Land/OtherCostOrOtherBasis03296641
IRS990ScheduleD/LeaseholdImprovements/BookValue01084
IRS990ScheduleD/LeaseholdImprovements/Depreciation0229166
IRS990ScheduleD/LeaseholdImprovements/InvestmentCostOrOtherBasis00
IRS990ScheduleD/LeaseholdImprovements/OtherCostOrOtherBasis0230250
IRS990ScheduleD/LossesReported00
IRS990ScheduleD/NetUnrealizedGainsInvestments00
IRS990ScheduleD/OtherExpensesIncluded00
IRS990ScheduleD/OtherExpensesNotIncluded00
IRS990ScheduleD/OtherLandBuildings/BookValue00
IRS990ScheduleD/OtherLandBuildings/Depreciation00
IRS990ScheduleD/OtherLandBuildings/InvestmentCostOrOtherBasis00
IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis00
IRS990ScheduleD/OtherLiabilities/Amount0366706830
IRS990ScheduleD/OtherLiabilities/Description0Member Shares
IRS990ScheduleD/OtherRevenues00
IRS990ScheduleD/OtherRevenuesNotIncluded00
IRS990ScheduleD/OtherSecurities/BookValue0580300
IRS990ScheduleD/OtherSecurities/BookValue173764
IRS990ScheduleD/OtherSecurities/BookValue238508976
IRS990ScheduleD/OtherSecurities/BookValue35656000
IRS990ScheduleD/OtherSecurities/Description0FHLB Stock
IRS990ScheduleD/OtherSecurities/Description1CU 24 ATM Network
IRS990ScheduleD/OtherSecurities/Description2Goverment Agencies
IRS990ScheduleD/OtherSecurities/Description3Bank Certificates of Deposit
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$408,386,714
Liabilities
$369,075,566
Net assets
$39,311,148
Revenue
-
Expenses
$18,255,046
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,372$1,226$146$78.7$74.3$4.41
2023Summary only. Only limited summary data is available for this year.$1,279$1,138$141$64.8$53.5$11.3
2022Summary only. Only limited summary data is available for this year.$1,121$991$130$47.7$32.8$14.9
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,022$907$115$43.0$29.7$13.3
2020Summary only. Only limited summary data is available for this year.$921$819$102$42.0$36.5$5.45
2019Summary only. Only limited summary data is available for this year.$810$713$96.5$42.8$31.0$11.8
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$726$641$85.6$37.5$24.4$13.1
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$659$586$73.2$32.8$21.9$10.9
2016Summary only. Only limited summary data is available for this year.$591$529$62.8$29.5$20.4$9.12
2015Detailed filing. Detailed filing data is available for this year.$540$486$54.5$27.0$21.7$5.31
2014Detailed filing. Detailed filing data is available for this year.$486$437$49.6$25.1$21.3$3.79
2013Detailed filing. Detailed filing data is available for this year.$438$392$46.3$25.4$18.9$6.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$408$369$39.3$18.3
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$384$350$34.0$20.3
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$360$329$31.4$22.5