Civic Intelligence

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

990 • Fiscal year 2019 • EIN 59-0947735

Jan 01, 2019 to Dec 31, 2019 • Filed on Jul 22, 2020

3469 Summit BlvdWest Palm Beach, FL 33406

(561) 686-4006

Siviq Scores

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

Liabilities / Assets

20th percentile

0.85x

Higher debt load relative to assets than 20% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Liabilities / Revenue

17th percentile

12.61x

Higher debt load relative to revenue than 17% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Net Margin

62nd percentile

15%

Higher net margin than 62% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Top Officer Pay

78th percentile

$290,963

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2019

Asset Growth

99th percentile

25%

Faster asset growth than 99% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

Revenue Growth

81st percentile

13%

Faster revenue growth than 81% of similar nonprofits.

2019 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2018 to 2019

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

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: $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

2019

Assets$206,919,539
Liabilities$175,288,138
Net Assets$31,631,401

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: $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

2019

Revenue$13,904,869
Expenses$11,787,836
Net Income$2,117,033
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jul 22, 2020
Return Version
2019v5.0
Gross Receipts
$13,904,869
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.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
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
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
John DeeseCEO/board SeFT$281,163$9,800$290,963
John DeeseCEO/board Sec/treas-$281,163$9,800$290,963
Shannon DuranEvpFT$132,901$10,665$143,566
Deanna FrameSr VP/CFOFT$132,910$7,200$140,110

Board Members and Trustees

NameTitle
Herbert KahlertVice Chairma
James DavisBoard Mem/au
Branden LynchBoard Member
James SnelgroveBoard Member
Judith DugoBoard Member
Oscar SolaresBoard Member
Ray LigginsBoard Member
Carol HeffnerAudit Commit
Keeler ShephardAudit Commit
Thomas SheaChariman/gov
Theresa PanozzoGov Affairs
Vince BonventoGov Affairs
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,983,213
Investment Income
$973,745
Other Revenue
$2,947,911
Change in Net Assets
$2,117,033

Audited Revenue Reconciliation

Revenue per Audited Statements
$13,904,869
Total Revenue per Audited Statements
$13,904,869
Total Revenue per Form 990
$13,904,869
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,787,836
Total Expenses per Audited Statements$11,787,836
Total Expenses per Form 990$11,787,836
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
Share Drafts$82,497,514
All Other Shares$47,360,129
Regular Shares$43,301,423
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 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
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 6

The credit union is owned by the members.

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

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.

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

Some decisions made by the board of directors are affirmed by the members.

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

The ceo reviews the form 990. The form 990 is available for review by the board of directors upon request.

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

The board of directors monitor and enforce the conflict of interest policy.

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

The cues survey is used for the determination of compensation for the ceo.

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

The cues survey is used for the determination of top management officials.

Form 990, Page 6, Part VI, Line 19

Financial documents are posted in the credit union lobby by the 15th of the subsequent month.

Filing and Contact Details

Filer

Filer Name
Guardians Credit Union
EIN
59-0947735
Phone
5616864006
Address
3469 SUMMIT BLVD, WEST PALM BEACH, FL 33406

Signing Officer

Name
Shannon Duran
Title
Evp
Phone
5616864006
Signed
2020-07-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Shannon Duran
Formed
1953
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
114
Volunteers
9

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

Hours of service are related to duties of the board of directors, audit committee, governmental affairs committee without compensation.

Form 990, Page 5, Part V, Line 3B

The credit union had no unrelated business expenses.

Form 990, Part XI, Line 9

Equity acquired in merger 7,478,570 due to rounding -1 total 7,478,569

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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/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01629060
IRS990/OtherAssetsTotalGrp/EOYAmt02366417
IRS990/OtherChangesInNetAssetsAmt07478569
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0437042
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0437042
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXP
IRS990/OtherExpensesGrp/Desc2EDUCATIONAL & PROMO EXP
IRS990/OtherExpensesGrp/Desc3PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt01667081
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1441304
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2339261
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3226094
IRS990/OtherExpensesGrp/TotalAmt01667081
IRS990/OtherExpensesGrp/TotalAmt1441304
IRS990/OtherExpensesGrp/TotalAmt2339261
IRS990/OtherExpensesGrp/TotalAmt3226094
IRS990/OtherLiabilitiesGrp/BOYAmt0140846456
IRS990/OtherLiabilitiesGrp/EOYAmt0173159066
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/Desc2LOSS ON DISP OF FIXED ASSETS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt02483054
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1468333
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt2-3476
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02483054
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1468333
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2-3476
IRS990/OtherRevenueTotalAmt02947911
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt03097709
IRS990/OtherSalariesAndWagesGrp/TotalAmt03097709
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0343349
IRS990/PayrollTaxesGrp/TotalAmt0343349
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0101885
IRS990/PensionPlanContributionsGrp/TotalAmt0101885
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04805111
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04673143
IRS990/PrincipalOfficerNm0SHANNON DURAN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07079071
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12904142
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07079071
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12904142
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0313783
IRS990/ProgSrvcAccomActy3Grp/Desc0GRANT 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/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0468333
IRS990/PYInvestmentIncomeAmt0776817
IRS990/PYOtherExpensesAmt06055707
IRS990/PYOtherRevenueAmt02389086
IRS990/PYProgramServiceRevenueAmt08663783
IRS990/PYRevenuesLessExpensesAmt02727979
IRS990/PYSalariesCompEmpBnftPaidAmt03514333
IRS990/PYTotalExpensesAmt09570040
IRS990/PYTotalRevenueAmt012298019
IRS990/ReconcilationRevenueExpnssAmt02117033
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt020031097
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt029624933
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011454000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012201000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04890871
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01745780
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06636651
IRS990ScheduleD/EquipmentGrp/BookValueAmt01567663
IRS990ScheduleD/EquipmentGrp/DepreciationAmt05671175
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt07238838
IRS990ScheduleD/ExpensesSubtotalAmt011787836
IRS990ScheduleD/LandGrp/BookValueAmt05793622
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt05793622
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt082497514
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt147360129
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt243301423
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2REGULAR SHARES
IRS990ScheduleD/RevenueSubtotalAmt013904869
IRS990ScheduleD/TotalBookValueLandBuildingsAmt012252156
IRS990ScheduleD/TotalExpensesPerForm990Amt011787836
IRS990ScheduleD/TotalLiabilityAmt0173159066
IRS990ScheduleD/TotalRevenuePerForm990Amt013904869
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt013904869
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt011787836
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0281163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt09800
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN DEESE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/BOARD SEC/TREAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0290963
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, AUDIT COMMITTEE, GOVERNMENTAL AFFAIRS COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS EXPENSES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE CUES SURVEY IS USED FOR THE DETERMINATION OF COMPENSATION FOR THE CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE CUES SURVEY IS USED FOR THE DETERMINATION OF TOP MANAGEMENT OFFICIALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10EQUITY ACQUIRED IN MERGER 7,478,570 DUE TO ROUNDING -1 TOTAL 7,478,569
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0FL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0165502043
IRS990/TotalAssetsEOYAmt0206919539
IRS990/TotalAssetsGrp/BOYAmt0165502043
IRS990/TotalAssetsGrp/EOYAmt0206919539
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt0114
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt011787836
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt011787836
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0143464478
IRS990/TotalLiabilitiesEOYAmt0175288138
IRS990/TotalLiabilitiesGrp/BOYAmt0143464478
IRS990/TotalLiabilitiesGrp/EOYAmt0175288138
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022037565
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt031631401
IRS990/TotalOtherCompensationAmt027665
IRS990/TotalProgramServiceExpensesAmt011787836
IRS990/TotalProgramServiceRevenueAmt09983213
IRS990/TotalReportableCompFromOrgAmt0546974
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt013904869
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt013904869
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0165502043
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0206919539
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03469 SUMMIT BLVD
IRS990/USAddress/CityNm0WEST PALM BEACH
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd033406
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.GUARDIANSCU.COOP
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-11-19 02:30:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0SHANNON DURAN

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
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