Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2015 • EIN 59-1022425

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 22, 2016

Organization Profilewww.fhcu.cc
115 Boston Ave STE 2400Altamonte Springs, FL 32701

(407) 303-5700

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.90x

Higher debt load relative to assets than 72% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

38th percentile

18.57x

Higher debt load relative to revenue than 38% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

78th percentile

15%

Higher net margin than 78% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

49th percentile

$95,000

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 4.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

97th percentile

12%

Faster asset growth than 97% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

68th percentile

3.9%

Faster revenue growth than 68% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$47,115,937

Up $4,971,582 (+12%) from 2014

Net Assets

Up

$4,808,914

Up $336,290 (+7.5%) from 2014

Liabilities

Up

$42,307,023

Up $4,635,292 (+12%) from 2014

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin78th percentile

Revenue

Up

$2,278,487

Up $84,482 (+3.9%) from 2014

Expenses

Down

$1,942,197

Down $80,459 (-4.0%) from 2014

Net Income

Up

$336,290

Up $164,941 (+96%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$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

2015

Assets$47,115,937
Liabilities$42,307,023
Net Assets$4,808,914
Open 2015 Filing

Operations Trend

Revenue Growth68th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$2,278,487
Expenses$1,942,197
Net Income$336,290
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 22, 2016
Return Version
2015v2.1
Gross Receipts
$2,278,487
Mission and Program Overview

Mission

To empower members to achieve their financial goals.

Our mission statement is to empower members to achieve their financial goals. Our members include the Florida Hospital employees, Florida Hospital medical staff, Florida Hospital auxilians, employees and retirees of Adventist Health Systems, employees and retirees of Florida conference and southeastern conference of Seventh-Day Adventist, faculty, staff, and students of Adventist University of Health Sciences, Seventh-Day Adventists church members that live, work, or worship in Orange and Seminole Counties and immediate family of existing members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$21,375,742$26,126,136▲ $4,750,394
Other Notes and Loans Receivable, Net$18,399,786$18,827,475▲ $427,689
Cash and Non-Interest-Bearing Accounts$1,144,242$796,859▼ $347,383
Land, Buildings, and Equipment, Net$317,443$525,761▲ $208,318
Receivables From Officers Etc$260,256$264,422▲ $4,166
Accounts Receivable$182,086$58,170▼ $123,916
Prepaid Expenses and Deferred Charges$21,581$48,507▲ $26,926
Receivable From Disqualified Prsn$0$0→ $0
Loans From Officers Directors$0--
Total Assets$42,144,355$47,115,937▲ $4,971,582
Other Assets Total$443,219$468,607▲ $25,388
Liabilities
Other Liabilities$37,156,438$41,652,577▲ $4,496,139
Accounts Payable and Accrued Expenses$515,293$654,446▲ $139,153
Grants Payable$0--
Mortgage Notes Payable Secured by Investment Property$0--
Unsecured Notes Loans Payable$0--
Deferred Revenue$0--
Escrow Account Liability$0--
Tax Exempt Bond Liabilities$0--
Total Liabilities$37,671,731$42,307,023▲ $4,635,292
Net Assets / Fund Balance
Temporarily Rstr Net Assets$3,410,345$3,746,635▲ $336,290
Unrestricted Net Assets$1,062,279$1,062,279→ $0
Permanently Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$4,472,624$4,808,914▲ $336,290
Total Liabilities and Net Assets / Fund Balance$42,144,355$47,115,937▲ $4,971,582

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Equipment$159,559$381,376$0
Leasehold Improvements$366,202$294,625$0
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
John MartinPresident/CEOFT$95,000$95,000

Board Members and Trustees

NameTitle
Patrick DeeganChair of the Board
Danny MyersSupervisory Committee Chair
Kathy ReepVice Chair of the Board
Alric Simmonds JrBoard Member
Brad KrygierBoard Member
Don BartlettBoard Member
Karen SchimpfBoard Member
Kristin UlanoffBoard Member
Greg EdrisSecretary of the Board
Cecil LowryTreasurer of the Board
Albert LeeSupervisory Committee
Armando TagalogSupervisory Committee
Bud Hetterle JrSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,968,696
Investment Income
$309,791
Other Revenue
$0
Change in Net Assets
$336,290
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,101,176
Salaries, Compensation, and Employee Benefits$841,021
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$625,623
Information Technology---$315,617
Other Expenses---$197,893
Office Expenses---$108,712
Current Officers, Directors, Trustees, and Key Employees---$95,000
Depreciation Depletion---$76,103
Interest---$74,819
Payroll Taxes---$60,195
All Other Expenses---$52,537
Occupancy---$39,539
Insurance---$36,894
Fees for Services Accounting---$36,218
Pension Plan Contributions---$35,079
Other Employee Benefits---$25,124
Conferences and Meetings---$17,188
Fees for Services Legal---$11,440
Advertising---$7,824
Travel---$2,464
Total Functional Expenses$0$0$0$1,942,197
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$260,256$264,422▲ $4,166
Loans from Officers, Directors, Trustees, and Key Employees$0--
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$26,450,721
Money Market$8,956,828
Share Drafts$5,279,242
Certificates of Deposit$965,786
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every person who opens an account with the Credit Union and deposits $25 is considered a member.”

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

“Elections for expiring term board members are held annually at the credit union annual membership meeting during the 1st quarter of each year.”

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

“Members can request a copy of the return in writing based on member access to records policy or can access the return online.”

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

“Conflict of Interest Policy: 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. Annual CPA audit: Employees are question about any conflict of interest and any issues that may arise are turned over from the CPA firm to the supervisory committee.”

Form 990, Part VI, Section B, Line 15

“Peer salary survey data and performance evaluations are used to determine compensation. Compensation is determined and reviewed annually for the CEO by the Board of Directors. 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. 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 quarterly call report information online at www.NCUA.gov.”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1022425
Phone
4073035700
Address
115 Boston Ave STE 2400, Altamonte Springs, FL 32701

Signing Officer

Name
Adam Neusaenger
Title
Controller
Phone
4073035700
Signed
2016-06-22

Organization Details

Principal Officer
John W Martin
Formed
1955
Legal Domicile
Fl
Voting Board Members
9
Independent Board Members
9,287
Employees
19
Volunteers
13
Raw XML AppendixShowing 400 of 508 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0515293
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0654446
IRS990/AccountsReceivableGrp/BOYAmt0182086
IRS990/AccountsReceivableGrp/EOYAmt058170
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Our mission statement is to empower members to achieve their financial goals. Our members include the Florida Hospital employees, Florida Hospital medical staff, Florida Hospital auxilians, employees and retirees of Adventist Health Systems, employees and retirees of Florida conference and southeastern conference of Seventh-Day Adventist, faculty, staff, and students of Adventist University of Health Sciences, Seventh-Day Adventists church members that live, work, or worship in Orange and Seminole Counties and immediate family of existing members.
IRS990/AdvertisingGrp/TotalAmt07824
IRS990/AllOtherExpensesGrp/TotalAmt052537
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Adam Neusaenger
IRS990/BooksInCareOfDetail/PhoneNum04073035700
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0115 Boston Ave
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0STE 2400
IRS990/BooksInCareOfDetail/USAddress/CityNm0Altamonte Springs
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032701
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt01144242
IRS990/CashNonInterestBearingGrp/EOYAmt0796859
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt095000
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt017188
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0309791
IRS990/CYOtherExpensesAmt01101176
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01968696
IRS990/CYRevenuesLessExpensesAmt0336290
IRS990/CYSalariesCompEmpBnftPaidAmt0841021
IRS990/CYTotalExpensesAmt01942197
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02278487
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt076103
IRS990/Desc0The credit union did not offer any new programs during 2014.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt019
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt036218
IRS990/FeesForServicesLegalGrp/TotalAmt011440
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/PersonNm0Patrick Deegan
IRS990/Form990PartVIISectionAGrp/PersonNm1Kathy Reep
IRS990/Form990PartVIISectionAGrp/PersonNm2Cecil Lowry
IRS990/Form990PartVIISectionAGrp/PersonNm3Kristin Ulanoff
IRS990/Form990PartVIISectionAGrp/PersonNm4Greg Edris
IRS990/Form990PartVIISectionAGrp/PersonNm5Karen Schimpf
IRS990/Form990PartVIISectionAGrp/PersonNm6Don Bartlett
IRS990/Form990PartVIISectionAGrp/PersonNm7Brad Krygier
IRS990/Form990PartVIISectionAGrp/PersonNm8Alric Simmonds Jr
IRS990/Form990PartVIISectionAGrp/PersonNm9Danny Myers
IRS990/Form990PartVIISectionAGrp/PersonNm10Bud Hetterle Jr
IRS990/Form990PartVIISectionAGrp/PersonNm11Armando Tagalog
IRS990/Form990PartVIISectionAGrp/PersonNm12Albert Lee
IRS990/Form990PartVIISectionAGrp/PersonNm13JOHN MARTIN
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/ReportableCompFromOrgAmt1395000
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/TitleTxt0Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY OF THE BOARD
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Committee Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt11Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt12Supervisory Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt13PRESIDENT/CEO
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02278487
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09287
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0315617
IRS990/InsuranceGrp/TotalAmt036894
IRS990/InterestGrp/TotalAmt074819
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0309791
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0309791
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt021375742
IRS990/InvestmentsPubTradedSecGrp/EOYAmt026126136
IRS990/IRPDocumentCnt01230
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0676001
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0317443
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0525761
IRS990/LandBldgEquipCostOrOtherBssAmt01201762
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To empower members to achieve their financial goals.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt04472624
IRS990/NetAssetsOrFundBalancesEOYAmt04808914
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt039539
IRS990/OfficeExpensesGrp/TotalAmt0108712
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0443219
IRS990/OtherAssetsTotalGrp/EOYAmt0468607
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt025124
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0123928
IRS990/OtherExpensesGrp/TotalAmt1197893
IRS990/OtherLiabilitiesGrp/BOYAmt037156438
IRS990/OtherLiabilitiesGrp/EOYAmt041652577
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0625623
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt018399786
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018827475
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt060195
IRS990/PensionPlanContributionsGrp/TotalAmt035079
IRS990/PermanentlyRstrNetAssetsGrp/BOYAmt00
IRS990/PermanentlyRstrNetAssetsGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt021581
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt048507
IRS990/PrincipalOfficerNm0JOHN W MARTIN
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES/CHARGES/OTHER INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01054098
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1914598
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01054098
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1914598
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0248818
IRS990/PYOtherExpensesAmt01199111
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01945187
IRS990/PYRevenuesLessExpensesAmt0171349
IRS990/PYSalariesCompEmpBnftPaidAmt0823545
IRS990/PYTotalExpensesAmt02022656
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02194005
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0260256
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0264422
IRS990/ReconcilationRevenueExpnssAmt0336290
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0159559
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0381376
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0540935
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt00
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0366202
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0294625
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0660827
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05279242
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt126450721
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt28956828
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3965786
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3CERTIFICATES OF DEPOSIT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0525761
IRS990ScheduleD/TotalLiabilityAmt041652577
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt016143
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt198024
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt271035
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt354642
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt418735
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt55843
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd30
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd40
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2MORTGAGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt038307
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1100000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt2134500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt355000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt423368
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt519067
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0KATHRYN REEP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1KATHRYN REEP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CECIL LOWRY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3GREGORY EDRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DONALD BARTLETT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5DONALD BARTLETT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$47,115,937
Liabilities
$42,307,023
Net assets
$4,808,914
Revenue
$2,278,487
Expenses
$1,942,197
Net income
$336,290
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $25M-$50M nonprofits