Civic Intelligence

State Chartered Credit Unions of Fl Guardians Cu F/K/A Pbc Credit Union

990 • Fiscal year 2013 • EIN 59-0947735

Jan 01, 2013 to Dec 31, 2013 • Filed on Nov 17, 2014

Organization ProfileWWW.PBCCU.COOP

View Organization Page

3469 Summit Blvd33406

(561) 686-4006

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$107,511,276

Flat from 2012

Net Assets

Up

$12,520,730

Up $1 (+0.0%) from 2012

Liabilities

Down

$94,990,546

Down $1 (-0.0%) from 2012

Revenue And Expenses

Revenue

$0

No earlier filing loaded for comparison.

Expenses

Down

$0

Down $5,977,360 (-100%) from 2012

Net Income

$0

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$400M$300M$200M$100M$0Assets 2010: $96,383,465Liabilities 2010: $86,434,638Net Assets 2010: $9,948,8272010Assets 2011: $103,896,949Liabilities 2011: $92,674,973Net Assets 2011: $11,221,9762011Assets 2012: $107,511,276Liabilities 2012: $94,990,547Net Assets 2012: $12,520,7292012Assets 2013: $107,511,276Liabilities 2013: $94,990,546Net Assets 2013: $12,520,7302013Assets 2013: $113,494,881Liabilities 2013: $100,096,160Net Assets 2013: $13,398,7212013Assets 2014: $119,549,333Liabilities 2014: $104,948,820Net Assets 2014: $14,600,5132014Assets 2015: $132,800,885Liabilities 2015: $116,544,772Net Assets 2015: $16,256,1132015Assets 2016: $143,132,291Liabilities 2016: $125,511,452Net Assets 2016: $17,620,8392016Assets 2017: $154,701,075Liabilities 2017: $135,391,490Net Assets 2017: $19,309,5852017Assets 2018: $165,502,043Liabilities 2018: $143,464,478Net Assets 2018: $22,037,5652018Assets 2019: $206,919,539Liabilities 2019: $175,288,138Net Assets 2019: $31,631,4012019Assets 2020: $251,412,750Liabilities 2020: $218,289,967Net Assets 2020: $33,122,7832020Assets 2021: $295,864,483Liabilities 2021: $259,439,591Net Assets 2021: $36,424,8922021Assets 2022: $302,456,073Liabilities 2022: $263,293,462Net Assets 2022: $39,162,6112022Assets 2023: $288,582,486Liabilities 2023: $246,341,621Net Assets 2023: $42,240,8652023Assets 2024: $302,581,677Liabilities 2024: $256,736,729Net Assets 2024: $45,844,9482024

Highlighted filing

2013

Assets$107,511,276
Liabilities$94,990,546
Net Assets$12,520,730
Open 2013 Filing

Operations Trend

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

$30M$20M$10M$0Expenses 2010: $5,215,8032010Expenses 2011: $5,950,7682011Expenses 2012: $5,977,3602012Revenue 2013: $0Expenses 2013: $0Net Income 2013: $02013Revenue 2013: $7,455,490Expenses 2013: $6,577,499Net Income 2013: $877,9912013Revenue 2014: $8,319,283Expenses 2014: $7,117,491Net Income 2014: $1,201,7922014Revenue 2015: $8,952,604Expenses 2015: $7,297,004Net Income 2015: $1,655,6002015Revenue 2016: $9,541,129Expenses 2016: $8,176,403Net Income 2016: $1,364,7262016Revenue 2017: $10,802,138Expenses 2017: $9,113,392Net Income 2017: $1,688,7462017Revenue 2018: $12,298,019Expenses 2018: $9,570,040Net Income 2018: $2,727,9792018Revenue 2019: $13,904,869Expenses 2019: $11,787,836Net Income 2019: $2,117,0332019Revenue 2020: $13,391,332Expenses 2020: $11,909,286Net Income 2020: $1,482,0462020Revenue 2021: $15,445,719Expenses 2021: $12,136,041Net Income 2021: $3,309,6782021Revenue 2022: $15,811,179Expenses 2022: $13,250,093Net Income 2022: $2,561,0862022Revenue 2023: $19,290,973Expenses 2023: $15,749,063Net Income 2023: $3,541,9102023Revenue 2024: $20,788,475Expenses 2024: $17,184,392Net Income 2024: $3,604,0832024

Highlighted filing

2013

Revenue$0
Expenses$0
Net Income$0
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Nov 17, 2014
Return Version
2013v3.1
Gross Receipts
$0
Mission and Program Overview

Mission

Credit union - to provide services to approximately 36,587 members in the form of loans, savings, and other financial services.

Pbc credit union was organized in 1953 to serve our members' financial needs. As a credit union, we operate as a not-for-profit financial cooperative that encourages thrift by providing loans at fair and reasonable rates, paying competitive dividends on savings products and implementing fewer service fees for overall account maintenance. Instead of being run by stockholders, we are owned and operated by our members. Each member owns an equal share regardless of his or her account balance. The board of directors and other volunteer committees are chosen and staffed by our members. Our goal is simple -- not just to meet, but to exceed our members' expectations in servicing all their financial needs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$64,989,041$64,989,041→ $0
Savings and Temporary Cash Investments$29,788,308$29,788,308→ $0
Rtn Earn Endowment Incm Other Fnds$12,520,730$12,520,730→ $0
Investments Other Securities$6,602,163$6,602,163→ $0
Land, Buildings, and Equipment, Net$2,273,737$2,273,737→ $0
Cash and Non-Interest-Bearing Accounts$1,889,120$1,889,120→ $0
Total Assets$107,511,276$107,511,276→ $0
Other Assets Total$1,968,907$1,968,907→ $0
Liabilities
Other Liabilities$93,771,743$93,771,743→ $0
Accounts Payable and Accrued Expenses$1,218,803$1,218,803→ $0
Total Liabilities$94,990,546$94,990,546→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,520,730$12,520,730→ $0
Total Liabilities and Net Assets / Fund Balance$107,511,276$107,511,276→ $0

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$374,493$2,414,421$2,788,914
Buildings$1,239,927$1,138,248$2,378,175
Land$659,317-$659,317
Other Securities$6,602,163--
Compensation and Service Providers

Board Members and Trustees

NameTitle
James SnelgroveChairman
Jerome P NolanVice Chair
Herbert KahlertBod
Ruth BeuterBod
Steve CatalanoBod
Thomas J SheaBod
Willa FearringtonBod
John DeeseSec/treas
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$0
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$0
Other Expenses$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$93,771,743
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“Yes, members are elected to the board.”

Form 990, Page 6, Part VI, Line 7B

“Yes, decisions are subject to approval by members.”

Form 990, Page 6, Part VI, Line 11B

“Board of directors, at a regularly scheduled meeting, will review a copy of the form 990. This review may take place after filing.”

Form 990, Page 6, Part VI, Line 12C

“Enforcement of conflicts of policy and interest are enforced via written contract.”

Form 990, Page 6, Part VI, Line 15A

“Yes compensation for ceo is subject to approval by board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Compensation for other officers and key employees is subject to review and approval by ceo and board of directors.”

Form 990, Page 6, Part VI, Line 19

“Governing documents available to members upon request. Financial information available to public through ncua.”

Filing and Contact Details

Filer

EIN
59-0947735
Phone
5616864006

Signing Officer

Name
John Deese
Title
President
Phone
5616864006
Signed
2014-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Deese
Formed
1953
Legal Domicile
Fl
Voting Board Members
8
Independent Board Members
7
Employees
70

Preparer

Preparer
Daniel J Cole
Phone
9547551760
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Pbc credit union was organized in 1953 to serve our members' financial needs. As a credit union, we operate as a not-for-profit financial cooperative that encourages thrift by providing loans at fair and reasonable rates, paying competitive dividends on savings products and implementing fewer service fees for overall account maintenance. Instead of being run by stockholders, we are owned and operated by our members. Each member owns an equal share regardless of his or her account balance. The board of directors and other volunteer committees are chosen and staffed by our members. Our goal is simple -- not just to meet, but to exceed our members' expectations in servicing all their financial needs.”

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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/MissionDesc0PBC CREDIT UNION WAS ORGANIZED IN 1953 TO SERVE OUR MEMBERS' FINANCIAL NEEDS. AS A CREDIT UNION, WE OPERATE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE THAT ENCOURAGES THRIFT BY PROVIDING LOANS AT FAIR AND REASONABLE RATES, PAYING COMPETITIVE DIVIDENDS ON SAVINGS PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTENANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED AND OPERATED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS AND OTHER VOLUNTEER COMMITTEES ARE CHOSEN AND STAFFED BY OUR MEMBERS. OUR GOAL IS SIMPLE -- NOT JUST TO MEET, BUT TO EXCEED OUR MEMBERS' EXPECTATIONS IN SERVICING ALL THEIR FINANCIAL NEEDS.
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IRS990/ProgSrvcAccomActy2Grp/Desc0REVENUE FROM ADMIN FEES IS DERIVED FROM CHARGES TO MEMBERS TO MAINTAIN ACCOUNTS, PROCESS LOANS, AND PROVIDE MANY EXTRA SERVICES TO ITS MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0INVESTMENTS ARE A VITAL PORTION OF SERVICES PROVIDED TO MEMBERS BY THE CREDIT UNION. THESE INVESTMENTS ALLOW MEMBERS TO SAVE AND INVEST MONEY AND INTEREST AND DIVIDENDS ON THESE SECURITIES ARE PAID AT MARKET RATES.
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IRS990ScheduleD/OtherSecuritiesGrp/Desc1ALL OTHER INVESTMENTS IN CORP CU
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PBC CREDIT UNION WAS ORGANIZED IN 1953 TO SERVE OUR MEMBERS' FINANCIAL NEEDS. AS A CREDIT UNION, WE OPERATE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE THAT ENCOURAGES THRIFT BY PROVIDING LOANS AT FAIR AND REASONABLE RATES, PAYING COMPETITIVE DIVIDENDS ON SAVINGS PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTENANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED AND OPERATED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS AND OTHER VOLUNTEER COMMITTEES ARE CHOSEN AND STAFFED BY OUR MEMBERS. OUR GOAL IS SIMPLE -- NOT JUST TO MEET, BUT TO EXCEED OUR MEMBERS' EXPECTATIONS IN SERVICING ALL THEIR FINANCIAL NEEDS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1YES, MEMBERS ARE ELECTED TO THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2YES, DECISIONS ARE SUBJECT TO APPROVAL BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3BOARD OF DIRECTORS, AT A REGULARLY SCHEDULED MEETING, WILL REVIEW A COPY OF THE FORM 990. THIS REVIEW MAY TAKE PLACE AFTER FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ENFORCEMENT OF CONFLICTS OF POLICY AND INTEREST ARE ENFORCED VIA WRITTEN CONTRACT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5YES COMPENSATION FOR CEO IS SUBJECT TO APPROVAL BY BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR OTHER OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL BY CEO AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AVAILABLE TO MEMBERS UPON REQUEST. FINANCIAL INFORMATION AVAILABLE TO PUBLIC THROUGH NCUA.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0107511276
IRS990/TotalAssetsEOYAmt0107511276
IRS990/TotalAssetsGrp/BOYAmt0107511276
IRS990/TotalAssetsGrp/EOYAmt0107511276
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt070
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt00
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt094990546
IRS990/TotalLiabilitiesEOYAmt094990546
IRS990/TotalLiabilitiesGrp/BOYAmt094990546
IRS990/TotalLiabilitiesGrp/EOYAmt094990546
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt012520730
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012520730
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0107511276
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0107511276
IRS990/TypeOfOrganizationAssocInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine103469 SUMMIT BLVD
IRS990/USAddress/City0WEST PALM BEACH
IRS990/USAddress/State0FL
IRS990/USAddress/ZIPCode033406
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PBCCU.COOP
IRS990/WhistleblowerPolicyInd0true
IRS990/WrittenPolicyOrProcedureInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN DEESE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05616864006
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine10STATE CHARTERED CREDIT UNIONS OF FL
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0590947735
ReturnHeader/Filer/PhoneNum05616864006
ReturnHeader/Filer/USAddress/AddressLine103469 SUMMIT BLVD
ReturnHeader/Filer/USAddress/City0WEST PALM BEACH
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode033406
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261694946
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10SCHWARTZ COLE AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1011776 W SAMPLE RD STE 106
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0CORAL SPRINGS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0330653180
ReturnHeader/PreparerPersonGrp/PhoneNum09547551760
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL J COLE
ReturnHeader/ReturnTs02014-11-17T20:28:32-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$107,511,276
Liabilities
$94,990,546
Net assets
$12,520,730
Revenue
$0
Expenses
$0
Net income
$0
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$303$257$45.8$20.8$17.2$3.60
2023Detailed filing. Detailed filing data is available for this year.$289$246$42.2$19.3$15.7$3.54
2022Detailed filing. Detailed filing data is available for this year.$302$263$39.2$15.8$13.3$2.56
2021Detailed filing. Detailed filing data is available for this year.$296$259$36.4$15.4$12.1$3.31
2020Detailed filing. Detailed filing data is available for this year.$251$218$33.1$13.4$11.9$1.48
2019Detailed filing. Detailed filing data is available for this year.$207$175$31.6$13.9$11.8$2.12
2018Detailed filing. Detailed filing data is available for this year.$166$143$22.0$12.3$9.57$2.73
2017Detailed filing. Detailed filing data is available for this year.$155$135$19.3$10.8$9.11$1.69
2016Detailed filing. Detailed filing data is available for this year.$143$126$17.6$9.54$8.18$1.36
2015Detailed filing. Detailed filing data is available for this year.$133$117$16.3$8.95$7.30$1.66
2014Detailed filing. Detailed filing data is available for this year.$120$105$14.6$8.32$7.12$1.20
2013Detailed filing. Detailed filing data is available for this year.$113$100$13.4$7.46$6.58$0.88
2013Detailed filing. Detailed filing data is available for this year.$108$95.0$12.5$0.00$0.00$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$108$95.0$12.5$5.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$92.7$11.2$5.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$96.4$86.4$9.95$5.22
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $100M-$250M nonprofits