Civic Intelligence

State Chartered Credit Unions in Florida

EIN 59-1022425 • 501(c)14 • Altamonte Springs, FL

Profile

To empower members to achieve their financial goals.

351 S State Road 434 1009Altamonte Springs, FL 32714

www.fhcu.cc

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.93x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

15.19x

Higher debt load relative to revenue than 51% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

48th percentile

11%

Higher net margin than 48% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

44th percentile

$221,048

Higher top officer pay than 44% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

89th percentile

9.1%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

81st percentile

21%

Faster revenue growth than 81% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$110,321,533

Up $9,216,093 (+9.1%) from 2023

Liabilities

Up

$102,468,914

Up $8,325,976 (+8.8%) from 2023

Net Assets

Up

$7,852,619

Up $890,117 (+13%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin48th percentile

Revenue

Up

$6,745,787

Up $1,184,350 (+21%) from 2023

Expenses

Up

$5,980,703

Up $1,411,854 (+31%) from 2023

Net Income

Down

$765,084

Down $227,504 (-23%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$150M$100M$50M$0Assets 2011: $37,442,418Liabilities 2011: $33,342,715Net Assets 2011: $4,099,7032011Assets 2012: $39,458,209Liabilities 2012: $35,328,989Net Assets 2012: $4,129,2202012Assets 2013: $40,475,128Liabilities 2013: $36,173,853Net Assets 2013: $4,301,2752013Assets 2014: $42,144,355Liabilities 2014: $37,671,731Net Assets 2014: $4,472,6242014Assets 2015: $47,115,937Liabilities 2015: $42,307,023Net Assets 2015: $4,808,9142015Assets 2016: $47,179,525Liabilities 2016: $42,117,675Net Assets 2016: $5,061,8502016Assets 2017: $48,122,150Liabilities 2017: $42,692,730Net Assets 2017: $5,429,4202017Assets 2018: $53,299,013Liabilities 2018: $47,445,994Net Assets 2018: $5,853,0192018Assets 2019: $57,193,053Liabilities 2019: $50,588,262Net Assets 2019: $6,604,7912019Assets 2020: $73,000,907Liabilities 2020: $65,653,469Net Assets 2020: $7,347,4382020Assets 2021: $87,334,618Liabilities 2021: $79,666,616Net Assets 2021: $7,668,0022021Assets 2022: $95,116,557Liabilities 2022: $89,243,570Net Assets 2022: $5,872,9872022Assets 2023: $101,105,440Liabilities 2023: $94,142,938Net Assets 2023: $6,962,5022023Assets 2024: $110,321,533Liabilities 2024: $102,468,914Net Assets 2024: $7,852,6192024

Highlighted filing

2024

Assets$110,321,533
Liabilities$102,468,914
Net Assets$7,852,619
Open 2024 Filing

Operations Trend

Revenue Growth81st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Revenue 2011: $2,309,484Expenses 2011: $2,186,229Net Income 2011: $123,2552011Expenses 2012: $2,182,2772012Revenue 2013: $2,225,650Expenses 2013: $2,053,595Net Income 2013: $172,0552013Revenue 2014: $2,194,005Expenses 2014: $2,022,656Net Income 2014: $171,3492014Revenue 2015: $2,278,487Expenses 2015: $1,942,197Net Income 2015: $336,2902015Revenue 2016: $2,351,598Expenses 2016: $2,100,923Net Income 2016: $250,6752016Revenue 2017: $2,761,886Expenses 2017: $2,377,095Net Income 2017: $384,7912017Revenue 2018: $3,176,985Expenses 2018: $2,713,200Net Income 2018: $463,7852018Revenue 2019: $3,508,460Expenses 2019: $2,889,148Net Income 2019: $619,3122019Revenue 2020: $3,498,180Expenses 2020: $2,825,356Net Income 2020: $672,8242020Revenue 2021: $3,560,919Expenses 2021: $2,937,572Net Income 2021: $623,3472021Revenue 2022: $4,316,141Expenses 2022: $3,455,718Net Income 2022: $860,4232022Revenue 2023: $5,561,437Expenses 2023: $4,568,849Net Income 2023: $992,5882023Revenue 2024: $6,745,787Expenses 2024: $5,980,703Net Income 2024: $765,0842024

Highlighted filing

2024

Revenue$6,745,787
Expenses$5,980,703
Net Income$765,084
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
$110,321,533
Liabilities
$102,468,914
Net assets
$7,852,619
Revenue
$6,745,787
Expenses
$5,980,703
Net income
$765,084
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$102$7.85$6.75$5.98$0.77
2023Summary only. Only limited summary data is available for this year.$101$94.1$6.96$5.56$4.57$0.99
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$95.1$89.2$5.87$4.32$3.46$0.86
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.3$79.7$7.67$3.56$2.94$0.62
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.0$65.7$7.35$3.50$2.83$0.67
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$57.2$50.6$6.60$3.51$2.89$0.62
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.3$47.4$5.85$3.18$2.71$0.46
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.1$42.7$5.43$2.76$2.38$0.38
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.2$42.1$5.06$2.35$2.10$0.25
2015Detailed filing. Detailed filing data is available for this year.$47.1$42.3$4.81$2.28$1.94$0.34
2014Detailed filing. Detailed filing data is available for this year.$42.1$37.7$4.47$2.19$2.02$0.17
2013Detailed filing. Detailed filing data is available for this year.$40.5$36.2$4.30$2.23$2.05$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.5$35.3$4.13$2.18
2011Summary only. Only limited summary data is available for this year.$37.4$33.3$4.10$2.31$2.19$0.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$7,987,787
Mission and Program Overview

Mission

Our mission is to empower members to achieve their financial goals.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$74,554,699$86,825,282▲ $12,270,583
Investments in Publicly Traded Securities$11,215,825$10,578,304▼ $637,521
Rtn Earn Endowment Incm Other Fnds$6,962,502$7,852,619▲ $890,117
Savings and Temporary Cash Investments$8,074,647$5,738,964▼ $2,335,683
Accounts Receivable$549,275$1,699,921▲ $1,150,646
Investments Other Securities$3,102,805$1,629,079▼ $1,473,726
Cash and Non-Interest-Bearing Accounts$416,125$629,471▲ $213,346
Land, Buildings, and Equipment, Net$659,708$601,400▼ $58,308
Prepaid Expenses and Deferred Charges$68,776$28,097▼ $40,679
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$101,105,440$110,321,533▲ $9,216,093
Other Assets Total$2,463,580$2,591,015▲ $127,435
Liabilities
Other Liabilities$87,138,217$97,761,832▲ $10,623,615
Mortgage Notes Payable Secured by Investment Property$4,400,000$2,500,000▼ $1,900,000
Accounts Payable and Accrued Expenses$2,604,721$2,207,082▼ $397,639
Total Liabilities$94,142,938$102,468,914▲ $8,325,976
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,962,502$7,852,619▲ $890,117
Total Liabilities and Net Assets / Fund Balance$101,105,440$110,321,533▲ $9,216,093

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$526,909$368,462$895,371
Equipment$74,491$379,874$454,365
Compensation and Service Providers
Top Officer Pay44th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John Adam NeusaengerPresident/chief ExecutiveFT$155,181$65,867$221,048
Shushilya MohammedChief Operating OfficerFT$113,537$23,669$137,206
Veronica GurmendiControllerFT$104,798$21,034$125,832

Board Members and Trustees

NameTitle
Patrick DeeganChair
Daniel MyersSupervisory Committee Chair
Kathy ReepVice Chair
Abel BiriDirector
Kristin UlanoffDirector
Sheryl MoorheadDirector
Timothy CookDirector
William CochranDirector
Gregory EdrisSecretary
Albert LeeSupervisory Committee Member
Armando TagalogSupervisory Committee Member
Kelley MoringSupervisory Committee Member
Cecil LowryTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersCore Processing6000 28TH ST SE SUITE 100, Grand Rapids, MI 49546$281,927
FisCard Portfolio ProcessingPO BOX 4535, Carol Stream, IL 60197$221,646
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,196,723
Investment Income
$549,064
Other Revenue
$0
Change in Net Assets
$765,084

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,745,787
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$6,745,787
Total Revenue per Form 990
$6,745,787
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,835,178
Salaries, Compensation, and Employee Benefits$2,145,525
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,812,321
Other Salaries and Wages---$1,559,374
Information Technology---$352,179
Current Officers, Directors, Trustees, and Key Employees---$346,880
Occupancy---$163,493
Payroll Taxes---$139,971
Fees for Services Accounting---$94,276
Depreciation Depletion---$77,678
Office Expenses---$73,303
Other Expenses---$67,322
Conferences and Meetings---$65,397
Pension Plan Contributions---$58,126
Other Employee Benefits---$41,174
Insurance---$36,922
Advertising---$22,533
Fees for Services Legal---$10,715
All Other Expenses---$1,738
Travel---$884
Total Functional Expenses$0$0$0$5,980,703

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,980,703
Total Expenses per Audited Statements$5,980,703
Total Expenses per Form 990$5,980,703
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Certificates$33,624,192
Primary Shares$30,227,962
Share Drafts$15,713,253
Share Money Market$11,889,373
Nonmember Certificates$4,234,000
Traditional Ira Cd$1,164,142
Savers Choice$412,976
Traditional Ira Savings$345,200
Christmas Clubs$150,039
Escrow Club$695
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 credit union has members. Members are required to maintain a minimum balance of $5.00 on deposit in a share account.”

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

“The members of the credit union elect the members of the board of directors once a year at the annual meeting.”

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

“The members of the credit union elect the members of the board of directors once a year at the annual meeting.”

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

“A third party cpa firm is used to complete the return. A draft return is presented to the controller and the ceo for review. Once a review of the draft is completed and any corrections are made, the return is filed.”

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

“Any employee, director or committee member from this credit union who is offered, receives or anticipates receiving anything of value will disclose it to the credit union supervisory committee or designated official for this purpose. The supervisory committee will keep written records of the disclosures.”

Form 990, Part VI, Section B, Line 15

“Peer salary survey data and performance evaluations are used to determine compensation. Compensation for the ceo is determined/reviewed by the board of directors annually. Senior management employees receive annual evaluations by the ceo.”

Form 990, Part VI, Section C, Line 19

“The credit union has a member access to records policy in place. Requests are made in writing and forwarded to the ceo for review prior to releasing information. Financial statements are posted monthly at each branch location and the public has access to review the quarterly call report online at www.ncua.gov.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1022425
Phone
4073031527
Address
351 S STATE ROAD 434 1009, ALTAMONTE SPRINGS, FL 32714
Doing Business As
Adventhealth Credit Union

Signing Officer

Name
Adam Neusaenger
Title
President/CEO
Phone
4073031527
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Adam Neusaenger
Formed
1955
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9
Employees
31
Volunteers
13

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

“SHARE INSURANCE 1,738.”

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 492 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
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.
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IRS990/BooksInCareOfDetail/USAddress/CityNm0ALTAMONTE SPRINGS
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
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IRS990/ConservationEasementsInd00
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IRS990/Form990PartVIISectionAGrp/PersonNm1KATHY REEP
IRS990/Form990PartVIISectionAGrp/PersonNm2CECIL LOWRY
IRS990/Form990PartVIISectionAGrp/PersonNm3GREGORY EDRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4WILLIAM COCHRAN
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IRS990/Form990PartVIISectionAGrp/PersonNm11KELLEY MORING
IRS990/Form990PartVIISectionAGrp/PersonNm12ALBERT LEE
IRS990/Form990PartVIISectionAGrp/PersonNm13JOHN ADAM NEUSAENGER
IRS990/Form990PartVIISectionAGrp/PersonNm14VERONICA GURMENDI
IRS990/Form990PartVIISectionAGrp/PersonNm15SHUSHILYA MOHAMMED
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13182865
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14104798
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15113537
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9SUPERVISORY COMMITTEE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt10SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT/CHIEF EXECUTIVE
IRS990/Form990PartVIISectionAGrp/TitleTxt14CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt15CHIEF OPERATING OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/SecuritiesAmt01901
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt01243901
IRS990/GrossReceiptsAmt07987787
IRS990/GroupExemptionNum02106
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0352179
IRS990/InsuranceGrp/TotalAmt036922
IRS990/InterestGrp/TotalAmt01812321
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0547163
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0547163
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03102805
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt01629079
IRS990/InvestmentsPubTradedSecGrp/BOYAmt011215825
IRS990/InvestmentsPubTradedSecGrp/EOYAmt010578304
IRS990/IRPDocumentCnt04639
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0748336
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0659708
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0601400
IRS990/LandBldgEquipCostOrOtherBssAmt01349736
IRS990/LegalDomicileStateCd0FL
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01242000
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0OUR MISSION IS TO EMPOWER MEMBERS TO ACHIEVE THEIR FINANCIAL GOALS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt04400000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt02500000
IRS990/NetAssetsOrFundBalancesBOYAmt06962502
IRS990/NetAssetsOrFundBalancesEOYAmt07852619
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt01901
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt01901
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0125033
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0163493
IRS990/OfficeExpensesGrp/TotalAmt073303
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02463580
IRS990/OtherAssetsTotalGrp/EOYAmt02591015
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt041174
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2OTHER PROFESSIONAL EXPE
IRS990/OtherExpensesGrp/Desc3OTHER EXPENSES
IRS990/OtherExpensesGrp/TotalAmt0747636
IRS990/OtherExpensesGrp/TotalAmt1214012
IRS990/OtherExpensesGrp/TotalAmt294769
IRS990/OtherExpensesGrp/TotalAmt367322
IRS990/OtherLiabilitiesGrp/BOYAmt087138217
IRS990/OtherLiabilitiesGrp/EOYAmt097761832
IRS990/OtherSalariesAndWagesGrp/TotalAmt01559374
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt074554699
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt086825282
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0139971
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt058126
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt068776
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028097
IRS990/PrincipalOfficerNm0ADAM NEUSAENGER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST INCOME ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHR INCOME
IRS990/ProgramServiceRevenueGrp/Desc2UNRELATED BUSINESS INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04732525
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11435351
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04732525
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11435351
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt228847
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt028847
IRS990/ProgSrvcAccomActy2Grp/Desc0LOANS - THE CREDIT UNION HAS OVER 78,000 LOANS OUTSTANDING THAT HAVE AN AGGREGATE BALANCE OF APPROXIMATELY $87 MILLION.
IRS990/ProgSrvcAccomActy3Grp/Desc0FINANCIAL SERVICES - THE CREDIT UNION OFFERS A VARIETY OF FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0582588
IRS990/PYOtherExpensesAmt02585147
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04978849
IRS990/PYRevenuesLessExpensesAmt0992588
IRS990/PYSalariesCompEmpBnftPaidAmt01983702
IRS990/PYTotalExpensesAmt04568849
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05561437
IRS990/ReconcilationRevenueExpnssAmt0765084
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06962502
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07852619
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08074647
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05738964
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt074491
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0379874
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0454365
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05980703
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0526909
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0368462
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0895371
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0150039
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1695
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24234000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt330227962
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4412976
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt533624192
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt615713253
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt711889373
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt81164142
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt9345200
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CHRISTMAS CLUBS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2NONMEMBER CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3PRIMARY SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SAVERS CHOICE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7SHARE MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8TRADITIONAL IRA CD
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9TRADITIONAL IRA SAVINGS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt06745787
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0601400
IRS990ScheduleD/TotalExpensesPerForm990Amt05980703
IRS990ScheduleD/TotalLiabilityAmt097761832
IRS990ScheduleD/TotalRevenuePerForm990Amt06745787
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt06745787
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05980703
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0155181
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount024799
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07559
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt030624
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt02885
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN ADAM NEUSAENGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CHIEF EXECUTIVE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0221048
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS. MEMBERS ARE REQUIRED TO MAINTAIN A MINIMUM BALANCE OF $5.00 ON DEPOSIT IN A SHARE ACCOUNT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ELECT THE MEMBERS OF THE BOARD OF DIRECTORS ONCE A YEAR AT THE ANNUAL MEETING.

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