Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
990 • Fiscal year 2019 • EIN 59-0947735
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
20th percentile
Higher debt load relative to assets than 20% of similar nonprofits.
Liabilities / Revenue
17th percentile
Higher debt load relative to revenue than 17% of similar nonprofits.
Net Margin
62nd percentile
Higher net margin than 62% of similar nonprofits.
Top Officer Pay
78th percentile
Higher top officer pay than 78% of similar nonprofits.
Top officer pay equals 2.1% of source-year revenue.
Asset Growth
99th percentile
Faster asset growth than 99% of similar nonprofits.
Revenue Growth
81st percentile
Faster revenue growth than 81% of similar nonprofits.
Assets
Up$206,919,539
Up $41,417,496 (+25%) from 2018
Net Assets
Up$31,631,401
Up $9,593,836 (+44%) from 2018
Liabilities
Up$175,288,138
Up $31,823,660 (+22%) from 2018
Revenue
Up$13,904,869
Up $1,606,850 (+13%) from 2018
Expenses
Up$11,787,836
Up $2,217,796 (+23%) from 2018
Net Income
Down$2,117,033
Down $610,946 (-22%) from 2018
Credit union - to provide services to approximately 36,587 members in the form of loans, savings, and other financial services.
Credit union - to provide financial services for its members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $101,406,234 | $129,906,567 | ▲ $28,500,333 |
| Cash and Non-Interest-Bearing Accounts | $32,458,121 | $38,792,795 | ▲ $6,334,674 |
| Rtn Earn Endowment Incm Other Fnds | $20,031,097 | $29,624,933 | ▲ $9,593,836 |
| Land, Buildings, and Equipment, Net | $7,586,153 | $12,252,156 | ▲ $4,666,003 |
| Savings and Temporary Cash Investments | $11,454,000 | $12,201,000 | ▲ $747,000 |
| Investments Other Securities | $6,163,364 | $6,727,461 | ▲ $564,097 |
| Prepaid Expenses and Deferred Charges | $4,805,111 | $4,673,143 | ▼ $131,968 |
| Cap Stk Tr Prin Current Funds | $2,006,468 | $2,006,468 | → $0 |
| Total Assets | $165,502,043 | $206,919,539 | ▲ $41,417,496 |
| Other Assets Total | $1,629,060 | $2,366,417 | ▲ $737,357 |
| Liabilities | |||
| Other Liabilities | $140,846,456 | $173,159,066 | ▲ $32,312,610 |
| Accounts Payable and Accrued Expenses | $2,618,022 | $2,129,072 | ▼ $488,950 |
| Total Liabilities | $143,464,478 | $175,288,138 | ▲ $31,823,660 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $22,037,565 | $31,631,401 | ▲ $9,593,836 |
| Total Liabilities and Net Assets / Fund Balance | $165,502,043 | $206,919,539 | ▲ $41,417,496 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,567,663 | $5,671,175 | $7,238,838 |
| Buildings | $4,890,871 | $1,745,780 | $6,636,651 |
| Land | $5,793,622 | - | $5,793,622 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| John Deese | CEO/board Se | FT | $281,163 | $9,800 | $290,963 |
| John Deese | CEO/board Sec/treas | - | $281,163 | $9,800 | $290,963 |
| Shannon Duran | Evp | FT | $132,901 | $10,665 | $143,566 |
| Deanna Frame | Sr VP/CFO | FT | $132,910 | $7,200 | $140,110 |
| Name | Title |
|---|---|
| Herbert Kahlert | Vice Chairma |
| James Davis | Board Mem/au |
| Branden Lynch | Board Member |
| James Snelgrove | Board Member |
| Judith Dugo | Board Member |
| Oscar Solares | Board Member |
| Ray Liggins | Board Member |
| Carol Heffner | Audit Commit |
| Keeler Shephard | Audit Commit |
| Thomas Shea | Chariman/gov |
| Theresa Panozzo | Gov Affairs |
| Vince Bonvento | Gov Affairs |
| Line Item | Amount |
|---|---|
| Other Expenses | $7,807,851 |
| Salaries, Compensation, and Employee Benefits | $3,979,985 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | $3,752,896 | - | $3,752,896 |
| Other Salaries and Wages | - | $3,097,709 | - | $3,097,709 |
| Occupancy | - | $603,375 | - | $603,375 |
| Other Employee Benefits | - | $437,042 | - | $437,042 |
| Payroll Taxes | - | $343,349 | - | $343,349 |
| Interest | - | $313,783 | - | $313,783 |
| All Other Expenses | - | $232,295 | - | $232,295 |
| Conferences and Meetings | - | $231,762 | - | $231,762 |
| Other Expenses | - | $226,094 | - | $226,094 |
| Pension Plan Contributions | - | $101,885 | - | $101,885 |
| Total Functional Expenses | $0 | $11,787,836 | $0 | $11,787,836 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $11,787,836 |
| Total Expenses per Audited Statements | $11,787,836 |
| Total Expenses per Form 990 | $11,787,836 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Share Drafts | $82,497,514 |
| All Other Shares | $47,360,129 |
| Regular Shares | $43,301,423 |
“The credit union is owned by the members.”
“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”
“Some decisions made by the board of directors are affirmed by the members.”
“The ceo reviews the form 990. The form 990 is available for review by the board of directors upon request.”
“The board of directors monitor and enforce the conflict of interest policy.”
“The cues survey is used for the determination of compensation for the ceo.”
“The cues survey is used for the determination of top management officials.”
“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”
“Hours of service are related to duties of the board of directors, audit committee, governmental affairs committee without compensation.”
“The credit union had no unrelated business expenses.”
“Equity acquired in merger 7,478,570 due to rounding -1 total 7,478,569”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2618022 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2129072 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 101406234 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 129906567 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. |
| IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt | 0 | 232295 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 232295 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | JOHN DEESE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 5616864006 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3469 SUMMIT BLVD |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | WEST PALM BEACH |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 33406 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 2006468 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 2006468 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 32458121 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 38792795 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 231762 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 231762 |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 973745 |
| IRS990/CYOtherExpensesAmt | 0 | 7807851 |
| IRS990/CYOtherRevenueAmt | 0 | 2947911 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 9983213 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 2117033 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 3979985 |
| IRS990/CYTotalExpensesAmt | 0 | 11787836 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 13904869 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | THE CREDIT UNION PORVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 114 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 11474053 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 9800 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 10665 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 7200 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JOHN DEESE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | SHANNON DURAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DEANNA FRAME |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | THOMAS SHEA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | HERBERT KAHLERT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | OSCAR SOLARES |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JAMES DAVIS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JUDITH DUGO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | RAY LIGGINS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | BRANDEN LYNCH |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JAMES SNELGROVE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | CAROL HEFFNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | KEELER SHEPHARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | VINCE BONVENTO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | THERESA PANOZZO |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 281163 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 132901 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 132910 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CEO/BOARD SE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | EVP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SR VP/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | CHARIMAN/GOV |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | VICE CHAIRMA |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEM/AU |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | AUDIT COMMIT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | AUDIT COMMIT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | GOV AFFAIRS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | GOV AFFAIRS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/FormationYr | 0 | 1953 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 13904869 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 313783 |
| IRS990/InterestGrp/TotalAmt | 0 | 313783 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 973745 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 973745 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 6163364 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 6727461 |
| IRS990/IRPDocumentCnt | 0 | 3730 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 7416955 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 7586153 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 12252156 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 19669111 |
| IRS990/LegalDomicileStateCd | 0 | FL |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 35,380 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 22037565 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 31631401 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -1766 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 603375 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 603375 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 3752896 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 3752896 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1629060 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 2366417 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 7478569 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 437042 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 437042 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXP |
| IRS990/OtherExpensesGrp/Desc | 2 | EDUCATIONAL & PROMO EXP |
| IRS990/OtherExpensesGrp/Desc | 3 | PROF & OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1667081 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 441304 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 339261 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 226094 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1667081 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 441304 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 339261 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 226094 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 140846456 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 173159066 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | OTHER NON-OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | LOSS ON DISP OF FIXED ASSETS |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2483054 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 468333 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | -3476 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 2483054 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 468333 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | -3476 |
| IRS990/OtherRevenueTotalAmt | 0 | 2947911 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 3097709 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 3097709 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 343349 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 343349 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 101885 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 101885 |
| IRS990/PoliciesReferenceChaptersInd | 0 | true |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 4805111 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 4673143 |
| IRS990/PrincipalOfficerNm | 0 | SHANNON DURAN |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 7079071 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2904142 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 7079071 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2904142 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 313783 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | GRANT FROM THE COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND. THE MAJORITY OF THE GRANT WAS FOR THE LOAN LOSS RESERVES. THE GRANT WAS APPROVED IN 2016 FOR 1,483,000. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYContributionsGrantsAmt | 0 | 468333 |
| IRS990/PYInvestmentIncomeAmt | 0 | 776817 |
| IRS990/PYOtherExpensesAmt | 0 | 6055707 |
| IRS990/PYOtherRevenueAmt | 0 | 2389086 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 8663783 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 2727979 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3514333 |
| IRS990/PYTotalExpensesAmt | 0 | 9570040 |
| IRS990/PYTotalRevenueAmt | 0 | 12298019 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2117033 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 20031097 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 29624933 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 11454000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 12201000 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4890871 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1745780 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6636651 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1567663 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 5671175 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 7238838 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 11787836 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 5793622 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 5793622 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 82497514 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 47360129 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 43301423 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | REGULAR SHARES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 13904869 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 12252156 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 11787836 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 173159066 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 13904869 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 13904869 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 11787836 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 281163 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 9800 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | JOHN DEESE |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/BOARD SEC/TREAS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 290963 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, AUDIT COMMITTEE, GOVERNMENTAL AFFAIRS COMMITTEE WITHOUT COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION HAD NO UNRELATED BUSINESS EXPENSES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS OWNED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CEO REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE CUES SURVEY IS USED FOR THE DETERMINATION OF COMPENSATION FOR THE CEO. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE CUES SURVEY IS USED FOR THE DETERMINATION OF TOP MANAGEMENT OFFICIALS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | EQUITY ACQUIRED IN MERGER 7,478,570 DUE TO ROUNDING -1 TOTAL 7,478,569 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 5, PART V, LINE 3B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | FL |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 165502043 |
| IRS990/TotalAssetsEOYAmt | 0 | 206919539 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 165502043 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 206919539 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 114 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 11787836 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 11787836 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 143464478 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 175288138 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 143464478 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 175288138 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 22037565 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 31631401 |
| IRS990/TotalOtherCompensationAmt | 0 | 27665 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 11787836 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 9983213 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 546974 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 13904869 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 13904869 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 165502043 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 206919539 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 3469 SUMMIT BLVD |
| IRS990/USAddress/CityNm | 0 | WEST PALM BEACH |
| IRS990/USAddress/StateAbbreviationCd | 0 | FL |
| IRS990/USAddress/ZIPCd | 0 | 33406 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 9 |
| IRS990/WebsiteAddressTxt | 0 | WWW.GUARDIANSCU.COOP |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2020-11-19 02:30:22Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SHANNON DURAN |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.