Civic Intelligence

Central Credit Union of Florida

EIN 59-1009534 • 501(c)14 • Pensacola, FL

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Profile

We will serve the needs of our members beyond their expectations. We strive to assist our members with all of their financial needs and provide service beyond their expectations.

PO Box 17048Pensacola, FL 32522

www.ccufl.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

47th percentile

0.90x

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

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

21st percentile

12.81x

Higher debt load relative to revenue than 21% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

21st percentile

3.5%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

9th percentile

$251,084

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

9th percentile

-4.0%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

-0.3%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$288,824,452

Down $11,926,938 (-4.0%) from 2023

Liabilities

Down

$259,353,971

Down $13,364,360 (-4.9%) from 2023

Net Assets

Up

$29,470,481

Up $1,437,422 (+5.1%) from 2023

Operations
Liabilities / Revenue21st percentileNet Margin21st percentile

Revenue

Down

$20,238,769

Down $54,648 (-0.3%) from 2023

Expenses

Up

$19,526,002

Up $1,503,011 (+8.3%) from 2023

Net Income

Down

$712,767

Down $1,557,659 (-69%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $110,829,778Liabilities 2010: $98,621,668Net Assets 2010: $12,208,1102010Assets 2011: $114,704,923Liabilities 2011: $101,431,460Net Assets 2011: $13,273,4632011Assets 2012: $124,462,017Liabilities 2012: $110,201,684Net Assets 2012: $14,260,3332012Assets 2013: $126,260,384Liabilities 2013: $112,123,596Net Assets 2013: $14,136,7882013Assets 2014: $132,386,876Liabilities 2014: $116,481,883Net Assets 2014: $15,904,9932014Assets 2015: $142,754,657Liabilities 2015: $126,085,800Net Assets 2015: $16,668,8572015Assets 2016: $150,094,986Liabilities 2016: $132,920,385Net Assets 2016: $17,174,6012016Assets 2017: $153,393,178Liabilities 2017: $135,682,665Net Assets 2017: $17,710,5132017Assets 2018: $172,731,684Liabilities 2018: $153,631,748Net Assets 2018: $19,099,9362018Assets 2019: $173,040,365Liabilities 2019: $153,533,942Net Assets 2019: $19,506,4232019Assets 2020: $212,016,760Liabilities 2020: $192,859,140Net Assets 2020: $19,157,6202020Assets 2021: $233,913,304Liabilities 2021: $214,450,704Net Assets 2021: $19,462,6002021Assets 2022: $308,952,965Liabilities 2022: $282,393,811Net Assets 2022: $26,559,1542022Assets 2023: $300,751,390Liabilities 2023: $272,718,331Net Assets 2023: $28,033,0592023Assets 2024: $288,824,452Liabilities 2024: $259,353,971Net Assets 2024: $29,470,4812024

Highlighted filing

2024

Assets$288,824,452
Liabilities$259,353,971
Net Assets$29,470,481
Open 2024 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $7,145,1372010Expenses 2011: $6,554,7932011Expenses 2012: $6,527,4532012Revenue 2013: $7,767,508Expenses 2013: $7,043,468Net Income 2013: $724,0402013Revenue 2014: $8,074,695Expenses 2014: $6,963,617Net Income 2014: $1,111,0782014Revenue 2015: $8,488,315Expenses 2015: $7,801,868Net Income 2015: $686,4472015Revenue 2016: $8,430,224Expenses 2016: $8,000,316Net Income 2016: $429,9082016Revenue 2017: $8,882,009Expenses 2017: $8,344,571Net Income 2017: $537,4382017Revenue 2018: $10,071,254Expenses 2018: $9,874,374Net Income 2018: $196,8802018Revenue 2019: $10,615,156Expenses 2019: $10,230,700Net Income 2019: $384,4562019Revenue 2020: $9,741,072Expenses 2020: $10,102,156Net Income 2020: -$361,0842020Revenue 2021: $10,100,900Expenses 2021: $9,740,673Net Income 2021: $360,2272021Revenue 2022: $13,329,944Expenses 2022: $12,329,524Net Income 2022: $1,000,4202022Revenue 2023: $20,293,417Expenses 2023: $18,022,991Net Income 2023: $2,270,4262023Revenue 2024: $20,238,769Expenses 2024: $19,526,002Net Income 2024: $712,7672024

Highlighted filing

2024

Revenue$20,238,769
Expenses$19,526,002
Net Income$712,767
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$288,824,452
Liabilities
$259,353,971
Net assets
$29,470,481
Revenue
$20,238,769
Expenses
$19,526,002
Net income
$712,767
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$259$29.5$20.2$19.5$0.71
2023Detailed filing. Detailed filing data is available for this year.$301$273$28.0$20.3$18.0$2.27
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$309$282$26.6$13.3$12.3$1.00
2021Detailed filing. Detailed filing data is available for this year.$234$214$19.5$10.1$9.74$0.36
2020Detailed filing. Detailed filing data is available for this year.$212$193$19.2$9.74$10.1$0.36
2019Detailed filing. Detailed filing data is available for this year.$173$154$19.5$10.6$10.2$0.38
2018Detailed filing. Detailed filing data is available for this year.$173$154$19.1$10.1$9.87$0.20
2017Detailed filing. Detailed filing data is available for this year.$153$136$17.7$8.88$8.34$0.54
2016Detailed filing. Detailed filing data is available for this year.$150$133$17.2$8.43$8.00$0.43
2015Detailed filing. Detailed filing data is available for this year.$143$126$16.7$8.49$7.80$0.69
2014Detailed filing. Detailed filing data is available for this year.$132$116$15.9$8.07$6.96$1.11
2013Detailed filing. Detailed filing data is available for this year.$126$112$14.1$7.77$7.04$0.72
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$110$14.3$6.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$115$101$13.3$6.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$111$98.6$12.2$7.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$21,153,568
Mission and Program Overview

Mission

We will serve the needs of our members beyond their expectations. We strive to assist our members with all of their financial needs and provide service beyond their expectations.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$159,307,824$153,572,325▼ $5,735,499
Investments in Publicly Traded Securities$71,095,884$70,009,161▼ $1,086,723
Rtn Earn Endowment Incm Other Fnds$28,033,059$29,470,481▲ $1,437,422
Savings and Temporary Cash Investments$30,476,219$25,642,372▼ $4,833,847
Land, Buildings, and Equipment, Net$11,354,329$15,559,648▲ $4,205,319
Investments Other Securities$11,143,767$8,532,961▼ $2,610,806
Intangible Assets$6,418,093$5,591,708▼ $826,385
Cash and Non-Interest-Bearing Accounts$2,035,270$1,856,349▼ $178,921
Receivables From Officers Etc$1,735,860$1,793,490▲ $57,630
Prepaid Expenses and Deferred Charges$593,054$1,018,862▲ $425,808
Accounts Receivable$1,047,059$524,534▼ $522,525
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$300,751,390$288,824,452▼ $11,926,938
Other Assets Total$5,544,031$4,723,042▼ $820,989
Liabilities
Other Liabilities$270,339,788$257,284,608▼ $13,055,180
Accounts Payable and Accrued Expenses$2,378,543$2,069,363▼ $309,180
Total Liabilities$272,718,331$259,353,971▼ $13,364,360
Net Assets / Fund Balance
Total Net Assets Fund Balance$28,033,059$29,470,481▲ $1,437,422
Total Liabilities and Net Assets / Fund Balance$300,751,390$288,824,452▼ $11,926,938

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,646,225$3,148,319$13,794,544
Equipment$1,686,888$3,116,386$4,803,274
Land$3,226,533-$3,226,533
Leasehold Improvements$2$359,885$359,887
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Robert Park BroomeCEO/presidentFT$218,249$32,835$251,084
Lisa Miller Formerly BrownCEO/presidentFT$27,987$210,000$237,987
Elizabeth OakesChief Operations OfficerFT$179,199$25,754$204,953
Joshua JacksonChief Financial OfficerFT$180,093$19,046$199,139
Henry KnueChief Lending OfficerFT$147,101$12,171$159,272
Gary Todd CunninghamVP of Board GovernanceFT$130,992$12,691$143,683
Tamula SmithVP of Support ServicesFT$117,759$23,565$141,324
Margaret ConaghanVP/complianceFT$121,404$13,057$134,461
Teresa LoyVP/ LendingFT$126,240$5,887$132,127
Jessica HerringVP of Remote ServicesFT$106,874$3,950$110,824
William FrithInterim CEO/presidentPT$80,267-$80,267

Board Members and Trustees

NameTitle
John CoeChairperson
Stephanie ClappVice Chairperson
Chip SimmonsDirector
Dustin DanielsDirector
Juanita AshleyDirector
Tracey GolaySecretary
James Danny GilmanTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Jack Henry & AssociatesCore Data ProcessingPO BOX 609, Monett, MO 65708$372,378
Inspired TechnologiesIt Services3058 HIGHLAND OAKS TERRACE, Tallahassee, FL 32301$312,018
TrustageFidelity Bond/insurancePO BOX 4653, Carol Stream, IL 60197$115,950
Mahalo Technologies INCOnline Banking Service850 STEPHENSON HWY SUITE 405, Troy, MI 48083$110,235
Williams Gautier Gwynn Deloach KikerLegal CouncelPO BOX 4128, Tallahassee, FL 32315$105,517
Revenue and Support

Revenue Composition

Contributions and Grants
$5,000
Program Service Revenue
$16,190,113
Investment Income
$4,043,656
Other Revenue
$0
All Other Contributions
$5,000
Change in Net Assets
$712,767

Audited Revenue Reconciliation

Revenue per Audited Statements
$20,238,769
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$20,238,769
Total Revenue per Form 990
$20,238,769
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$12,682,315
Salaries, Compensation, and Employee Benefits$6,842,687
Grants and Similar Amounts Paid$1,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,506,888
Interest---$2,063,628
Office Expenses---$1,837,528
Current Officers, Directors, Trustees, and Key Employees---$1,132,702
Information Technology---$937,350
Occupancy---$657,752
Other Employee Benefits---$625,162
Depreciation Depletion---$595,723
Advertising---$562,028
Payroll Taxes---$407,933
Fees for Services Legal---$258,305
Pension Plan Contributions---$170,002
Insurance---$139,745
Travel---$128,862
Other Expenses---$127,681
All Other Expenses---$81,961
Fees for Services Accounting---$72,000
Conferences and Meetings---$54,966
Fees for Services Other---$40,570
Grants to Domestic Orgs---$1,000
Total Functional Expenses$0$0$0$19,526,002

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$19,526,002
Total Expenses per Audited Statements$19,526,002
Total Expenses per Form 990$19,526,002
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,735,860$1,793,490▲ $57,630
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Accounts$118,749,812
Share Draft Accounts$70,853,615
Share and Ira Certificate Accounts$41,210,674
Money Market Accounts$22,771,526
Ira Share Accounts$3,698,981
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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, Part VI, Section A, Line 6

“The organization has members.”

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

“The credit union membership may participate in the election of officials.”

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

“Members of the credit union have the right to approve the election and removal of members of the governing body, as well as other matters that are subject to the approval of the members of the credit union as they occur.”

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

“The president & ceo, cfo, and vice-president of compliance will review and approve the draft form 990 before final submission.”

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

“The vice president of compliance, under direction of the president & ceo, monitors the conflict of interest policy for the credit union. This includes vendor management, employee training and monitoring of employee transactions. All new employees are given a conflict of interest policy as part of the code of conduct.”

Form 990, Part VI, Section B, Line 15

“The review of the ceo's compensation is a function of the board of directors. Annually, the board of directors uses an executive compensation survey from an independent third party to determine the ceo's compensation. For all other employees in the organization, pay ranges are reviewed and approved on an annual basis by the ceo utilizing data from an independent compensation study.”

Form 990, Part VI, Section C, Line 19

“The credit union's governing documents are not made available to the public. The credit union's conflict of interest policy is not made available to the public. The credit union's financial statements are made available for public viewing on ncua.gov via the quarterly 5300 filing.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1009534
Phone
8504740970
Address
PO BOX 17048, PENSACOLA, FL 32522
Doing Business As
Loyalty Credit Union

Signing Officer

Name
Joshua Jackson
Title
CFO
Phone
8504740970
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert Park Broome
Formed
1962
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
6
Employees
90
Volunteers
9

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E

“EXAMINATION FEES 81,961.”

Form 990, Part XII, Line 2C

“There were no changes in the process of the committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt from most federal, state and local income taxes under the provisions of the internal revenue code (irc) and state tax laws. However, irc section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the credit union.”

Raw XML AppendixShowing 400 of 646 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
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02378543
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02069363
IRS990/AccountsReceivableGrp/BOYAmt01047059
IRS990/AccountsReceivableGrp/EOYAmt0524534
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE WILL SERVE THE NEEDS OF OUR MEMBERS BEYOND THEIR EXPECTATIONS. WE STRIVE TO ASSIST OUR MEMBERS WITH ALL OF THEIR FINANCIAL NEEDS AND PROVIDE SERVICE BEYOND THEIR EXPECTATIONS.
IRS990/AdvertisingGrp/TotalAmt0562028
IRS990/AllOtherContributionsAmt05000
IRS990/AllOtherExpensesGrp/TotalAmt081961
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IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum08504740970
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IRS990/BooksInCareOfDetail/USAddress/CityNm0PENSACOLA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032514
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02035270
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IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01132702
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt054966
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0372378
IRS990/ContractorCompensationGrp/CompensationAmt1312018
IRS990/ContractorCompensationGrp/CompensationAmt2115950
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO BOX 4653
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0MONETT
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4FL
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd432315
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2TRUSTAGE
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IRS990/ContractorCompensationGrp/ServicesDesc0CORE DATA PROCESSING
IRS990/ContractorCompensationGrp/ServicesDesc1IT SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2FIDELITY BOND/INSURANCE
IRS990/ContractorCompensationGrp/ServicesDesc3ONLINE BANKING SERVICE
IRS990/ContractorCompensationGrp/ServicesDesc4LEGAL COUNCEL
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt05000
IRS990/CYGrantsAndSimilarPaidAmt01000
IRS990/CYInvestmentIncomeAmt04043656
IRS990/CYOtherExpensesAmt012682315
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt016190113
IRS990/CYRevenuesLessExpensesAmt0712767
IRS990/CYSalariesCompEmpBnftPaidAmt06842687
IRS990/CYTotalExpensesAmt019526002
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
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IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0595723
IRS990/Desc0INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE CREDIT UNION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
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IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt090
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt072000
IRS990/FeesForServicesLegalGrp/TotalAmt0258305
IRS990/FeesForServicesOtherGrp/TotalAmt040570
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.50
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.50
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