Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2016 • EIN 59-0860768

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 04, 2017

Organization Profilewww.ccuflorida.org

View Organization Page

1030 South US 1Rockledge, FL 32955

(321) 637-3120

Siviq Scores

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

Liabilities / Assets

47th percentile

0.89x

Higher debt load relative to assets than 47% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

47th percentile

17.89x

Higher debt load relative to revenue than 47% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

99th percentile

31%

Higher net margin than 99% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

56th percentile

$414,716

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

79th percentile

9.4%

Faster asset growth than 79% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

64th percentile

9.3%

Faster revenue growth than 64% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets47th percentile

Assets

Flat

$591,284,233

Flat from 2016

Net Assets

Flat

$62,771,667

Flat from 2016

Liabilities

Flat

$528,512,566

Flat from 2016

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin99th percentile

Revenue

Flat

$29,546,215

Flat from 2016

Expenses

Flat

$20,422,423

Flat from 2016

Net Income

Flat

$9,123,792

Flat from 2016

Historical Trend

Balance Sheet Trend

Asset Growth79th 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 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

2016

Assets$591,284,233
Liabilities$528,512,566
Net Assets$62,771,667
Open 2016 Filing

Operations Trend

Revenue Growth64th percentile

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 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

2016

Revenue$29,546,215
Expenses$20,422,423
Net Income$9,123,792
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 4, 2017
Return Version
2016v3.0
Gross Receipts
$29,546,215
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.

Community Credit Union of Florida provides financial services to it's 41,500 members as of 12/31/2016. CCUFlorida is servicing 23,970 member loans and has a total of 82,873 deposit accounts.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$434,689,485$464,626,880▲ $29,937,395
Savings and Temporary Cash Investments$58,016,111$72,250,003▲ $14,233,892
Rtn Earn Endowment Incm Other Fnds$54,453,655$62,771,667▲ $8,318,012
Investments Other Securities$17,283,807$21,226,222▲ $3,942,415
Prepaid Expenses and Deferred Charges$11,315,769$12,775,203▲ $1,459,434
Land, Buildings, and Equipment, Net$9,313,639$9,310,395▼ $3,244
Cash and Non-Interest-Bearing Accounts$2,906,357$2,745,536▼ $160,821
Receivables From Officers Etc$1,876,140$1,876,140→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$540,437,606$591,284,233▲ $50,846,627
Other Assets Total$5,036,298$6,473,854▲ $1,437,556
Liabilities
Other Liabilities$461,097,507$503,764,463▲ $42,666,956
Accounts Payable and Accrued Expenses$24,886,444$24,748,103▼ $138,341
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0--
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$485,983,951$528,512,566▲ $42,528,615
Net Assets / Fund Balance
Total Net Assets Fund Balance$54,453,655$62,771,667▲ $8,318,012
Total Liabilities and Net Assets / Fund Balance$540,437,606$591,284,233▲ $50,846,627

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,867,322$3,462,022$8,329,344
Equipment$1,123,406$5,709,624$6,833,030
Land$3,296,641-$3,296,641
Leasehold Improvements$23,026$236,134$259,160
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David O BrockPresident/CEOFT$360,135$35,392$395,527
Laurie CappelliSr Vice PresidentFT$156,528$9,287$165,815
Lesli DooleyVP of Organizational DevelopmentFT$142,334$6,740$149,074
David HillVP TechnologyFT$125,035$22,781$147,816
Margaret HasenbeckVP of Accounting and FinanceFT$123,044$18,116$141,160
James ChastainVP of Commercial ServicesFT$128,925$6,740$135,665
Meredith GibsonVP of MarketingFT$112,022$6,740$118,762

Board Members and Trustees

NameTitle
Dorotha EverhartVice Chairman of the Board
Betty DunnDirector
James PlatmanDirector
Moses L HarvinDirector
Linda DaleSecretary/Treasurer of the Board

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesCustomer data and transaction processorPo Box 609, Monett, MO 65708$510,399
Digital InsightOn line BankingPO BOX 515306, Los Angeles, CA 90051$409,532
Lending Soultionsoverflow call, loan apps, and collections2200 Point Bv, Elgin, IL 60123$352,884
Business DataStatement and notice processing and postagePO BOX 6081, Inglewood, CA 90312$283,409
FisCredit Card ProcessingPO BOX 30495, Tampa, FL 33630$280,671
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$28,979,962
Investment Income
$525,671
Other Revenue
$40,582
Change in Net Assets
$9,123,792

Audited Revenue Reconciliation

Revenue per Audited Statements
$29,546,215
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$29,546,215
Total Revenue per Form 990
$29,546,215
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$13,379,056
Salaries, Compensation, and Employee Benefits$6,967,170
Grants and Similar Amounts Paid$76,197
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,345,241
Interest---$2,742,570
Information Technology---$1,761,804
Office Expenses---$1,532,410
Current Officers, Directors, Trustees, and Key Employees---$1,192,702
Advertising---$988,137
Other Employee Benefits---$962,507
Depreciation Depletion---$728,948
Fees for Services Management---$656,088
Occupancy---$568,826
Payroll Taxes---$429,383
Other Expenses---$406,171
Conferences and Meetings---$269,781
Fees for Services Accounting---$246,436
Insurance---$165,358
Payments to Affiliates---$112,552
Fees for Services Legal---$99,218
Grants to Domestic Orgs---$76,197
Travel---$53,635
Pension Plan Contributions---$37,337
Total Functional Expenses$0$0$0$20,422,423

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$20,422,423
Total Expenses per Audited Statements$20,422,423
Total Expenses per Form 990$20,422,423
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Brevard Schools FoundationViera, FL501c3-$79,197
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,876,140$1,876,140→ $0
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$503,764,463
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has 41,500 members as of December 2016”

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

“Membership participate in the election of the Board of Directors at the annual meeting held during the first quarter of each year.”

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

“The 990 form and schedules are presented to the board for review before the report is filed.”

Form 990, Part VI, Section B, Line 12C

“The board signs a conflict of interest statement that was updated and signed in 2015. All loans to board members are reviewed by the board yearly. The employees are asked to sign an acknowledgement when they receive the policy.”

Form 990, Part VI, Section B, Line 15

“The compensation of the executive officer is determined by the board of directors annually. The board first conducts performance review, compensation survey study is completed. Contract negotiations are conducted between the CEO and Board. Contract is drawn up, reviewed by legal. Then approved and signed.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflict of interest policies and financial statements are not required disclosures pursuant to internal revenue code (IRC) section6104. But, the organization posts the monthly financial statements in the lobby of each branch.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-0860768
Phone
3216373120
Address
1030 South US 1, Rockledge, FL 32955

Signing Officer

Name
Margaret Hasenbeck
Title
VP of Accounting and Finance
Phone
3216903120
Signed
2017-08-04

Organization Details

Principal Officer
David O Brock
Formed
1953
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
110
Volunteers
6
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in Pension Plan”

Raw XML AppendixShowing 400 of 613 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/AccountsPayableAccrExpnssGrp/BOYAmt024886444
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Community Credit Union of Florida provides financial services to it's 41,500 members as of 12/31/2016. CCUFlorida is servicing 23,970 member loans and has a total of 82,873 deposit accounts.
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Los Angeles
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IRS990/ContractorCompensationGrp/ServicesDesc2Credit Card Processing
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IRS990/CreditCounselingInd00
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IRS990/CYContributionsGrantsAmt00
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IRS990/FamilyOrBusinessRlnInd00
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1018116
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt116740
IRS990/Form990PartVIISectionAGrp/PersonNm0Dorotha Everhart
IRS990/Form990PartVIISectionAGrp/PersonNm1Linda Dale
IRS990/Form990PartVIISectionAGrp/PersonNm2James Platman
IRS990/Form990PartVIISectionAGrp/PersonNm3Betty Dunn
IRS990/Form990PartVIISectionAGrp/PersonNm4Moses L Harvin
IRS990/Form990PartVIISectionAGrp/PersonNm5David O Brock
IRS990/Form990PartVIISectionAGrp/PersonNm6Laurie Cappelli
IRS990/Form990PartVIISectionAGrp/PersonNm7James Chastain
IRS990/Form990PartVIISectionAGrp/PersonNm8Lesli Dooley
IRS990/Form990PartVIISectionAGrp/PersonNm9David Hill
IRS990/Form990PartVIISectionAGrp/PersonNm10Margaret Hasenbeck
IRS990/Form990PartVIISectionAGrp/PersonNm11Meredith Gibson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5395527
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6165815
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7128925
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8142334
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9125035
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10123044
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11112022
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/TitleTxt0Vice Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Secretary/Treasurer of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt6Sr Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP of Commercial Services
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP of Organizational Development
IRS990/Form990PartVIISectionAGrp/TitleTxt9VP Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt10VP of Accounting and Finance
IRS990/Form990PartVIISectionAGrp/TitleTxt11VP of Marketing
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01953
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt076197
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt029546215
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
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IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt07
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01761804
IRS990/InsuranceGrp/TotalAmt0165358
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt02742570
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0525671
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0525671
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt017283807
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt021226222
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt012678
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09407780
IRS990/LandBldgEquipBasisNetGrp/BOYAmt09313639
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09310395
IRS990/LandBldgEquipCostOrOtherBssAmt018718175
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0Community 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 41,500 members, CCU's mission is to "Always improve the financial well-being of our members and make a positive difference in our community.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt054453655
IRS990/NetAssetsOrFundBalancesEOYAmt062771667
IRS990/NetUnrelatedBusTxblIncmAmt0-7058
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0568826
IRS990/OfficeExpensesGrp/TotalAmt01532410
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05036298
IRS990/OtherAssetsTotalGrp/EOYAmt06473854
IRS990/OtherChangesInNetAssetsAmt0-805780
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0962507
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Gain or Loss on Assets
IRS990/OtherExpensesGrp/Desc2Other Loan Servicing
IRS990/OtherExpensesGrp/Desc3Dues over/short misc
IRS990/OtherExpensesGrp/TotalAmt01620000
IRS990/OtherExpensesGrp/TotalAmt1-104030
IRS990/OtherExpensesGrp/TotalAmt21531152
IRS990/OtherExpensesGrp/TotalAmt3406171
IRS990/OtherLiabilitiesGrp/BOYAmt0461097507
IRS990/OtherLiabilitiesGrp/EOYAmt0503764463
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0misc income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt040582
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt040582
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt040582
IRS990/OtherSalariesAndWagesGrp/TotalAmt04345241
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0434689485
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0464626880
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt0112552
IRS990/PayrollTaxesGrp/TotalAmt0429383
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt037337
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt011315769
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt012775203
IRS990/PrincipalOfficerNm0David O Brock
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Member Loan Interest
IRS990/ProgramServiceRevenueGrp/Desc1Service Charges and Other Fees
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Loan Origination
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt023233709
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13237037
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22117655
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3309771
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt023233709
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13318827
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22117655
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3309771
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt181790
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Offer financial services to 41,500 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.
IRS990/ProgSrvcAccomActy3Grp/Desc0Investments are used as a means of extra earnings on deposited funds that have not been utilized for any lending programs.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt089455
IRS990/PYInvestmentIncomeAmt0341007
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt015274626
IRS990/PYOtherRevenueAmt0286154
IRS990/PYProgramServiceRevenueAmt026408241
IRS990/PYRevenuesLessExpensesAmt05310795
IRS990/PYSalariesCompEmpBnftPaidAmt06360526
IRS990/PYTotalExpensesAmt021724607
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt027035402
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01876140
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01876140
IRS990/ReconcilationRevenueExpnssAmt09123792
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt054453655
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt062771667
IRS990/SavingsAndTempCashInvstGrp/BOYAmt058016111

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$591,284,233
Liabilities
$528,512,566
Net assets
$62,771,667
Revenue
$29,546,215
Expenses
$20,422,423
Net income
$9,123,792
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
2016Detailed filing. Detailed filing data is available for this year.$591$529$62.8$29.5$20.4$9.12
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
Peer Organizations

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