Civic Intelligence

State Chartered Credit Unions in Florida

EIN 59-1206460 • 501(c)14 • Ocala, FL

Profile

Credit Union Programs Programs of credit unions which offer a wide variety of personal financial services exclusively to their members featuring competitive dividend rates on investments, competitive interest rates on loans, and other products and services.

2675 SE 36th AveOcala, FL 34471-6241

www.ocalacommunitycu.com

Siviq Scores

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

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

84th percentile

21.80x

Higher debt load relative to revenue than 84% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

17th percentile

-3.9%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

42nd percentile

$106,601

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

35th percentile

-1.1%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

31st percentile

3.4%

Faster revenue growth than 31% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Down

$49,132,255

Down $553,472 (-1.1%) from 2023

Liabilities

Down

$44,582,839

Down $473,675 (-1.1%) from 2023

Net Assets

Down

$4,549,416

Down $79,797 (-1.7%) from 2023

Operations
Liabilities / Revenue84th percentileNet Margin17th percentile

Revenue

Up

$2,044,948

Up $67,279 (+3.4%) from 2023

Expenses

Up

$2,124,745

Up $543,763 (+34%) from 2023

Net Income

Down

-$79,797

Down $476,484 (-120%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$60M$40M$20M$0Assets 2010: $24,785,532Liabilities 2010: $21,843,762Net Assets 2010: $2,941,7702010Assets 2011: $26,610,827Liabilities 2011: $23,517,792Net Assets 2011: $3,093,0352011Assets 2012: $27,963,589Liabilities 2012: $24,830,477Net Assets 2012: $3,133,1122012Assets 2013: $26,675,976Liabilities 2013: $23,539,417Net Assets 2013: $3,136,5592013Assets 2014: $29,641,307Liabilities 2014: $26,296,539Net Assets 2014: $3,344,7682014Assets 2015: $30,971,816Liabilities 2015: $27,539,579Net Assets 2015: $3,432,2372015Assets 2016: $30,653,639Liabilities 2016: $27,124,080Net Assets 2016: $3,529,5592016Assets 2017: $30,095,829Liabilities 2017: $26,378,382Net Assets 2017: $3,717,4472017Assets 2018: $32,696,000Liabilities 2018: $28,893,790Net Assets 2018: $3,802,2102018Assets 2019: $33,298,311Liabilities 2019: $29,351,468Net Assets 2019: $3,946,8432019Assets 2020: $39,078,240Liabilities 2020: $34,971,580Net Assets 2020: $4,106,6602020Assets 2021: $45,208,588Liabilities 2021: $40,929,353Net Assets 2021: $4,279,2352021Assets 2022: $49,310,584Liabilities 2022: $44,935,848Net Assets 2022: $4,374,7362022Assets 2023: $49,685,727Liabilities 2023: $45,056,514Net Assets 2023: $4,629,2132023Assets 2024: $49,132,255Liabilities 2024: $44,582,839Net Assets 2024: $4,549,4162024

Highlighted filing

2024

Assets$49,132,255
Liabilities$44,582,839
Net Assets$4,549,416
Open 2024 Filing

Operations Trend

Revenue Growth31st percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,078,5992010Expenses 2011: $1,266,9272011Expenses 2012: $983,9992012Revenue 2013: $1,042,500Expenses 2013: $1,039,053Net Income 2013: $3,4472013Revenue 2014: $1,152,033Expenses 2014: $943,824Net Income 2014: $208,2092014Revenue 2015: $1,240,632Expenses 2015: $1,153,163Net Income 2015: $87,4692015Revenue 2016: $1,277,552Expenses 2016: $1,180,230Net Income 2016: $97,3222016Revenue 2017: $1,318,773Expenses 2017: $1,130,885Net Income 2017: $187,8882017Revenue 2018: $1,448,890Expenses 2018: $1,364,127Net Income 2018: $84,7632018Revenue 2019: $1,613,858Expenses 2019: $1,469,225Net Income 2019: $144,6332019Revenue 2020: $1,538,838Expenses 2020: $1,379,021Net Income 2020: $159,8172020Revenue 2021: $1,392,118Expenses 2021: $1,219,543Net Income 2021: $172,5752021Revenue 2022: $1,483,144Expenses 2022: $1,387,643Net Income 2022: $95,5012022Revenue 2023: $1,977,669Expenses 2023: $1,580,982Net Income 2023: $396,6872023Revenue 2024: $2,044,948Expenses 2024: $2,124,745Net Income 2024: -$79,7972024

Highlighted filing

2024

Revenue$2,044,948
Expenses$2,124,745
Net Income-$79,797
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
$49,132,255
Liabilities
$44,582,839
Net assets
$4,549,416
Revenue
$2,044,948
Expenses
$2,124,745
Net income
-$79,797
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.1$44.6$4.55$2.04$2.12$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.7$45.1$4.63$1.98$1.58$0.40
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.3$44.9$4.37$1.48$1.39$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.2$40.9$4.28$1.39$1.22$0.17
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.1$35.0$4.11$1.54$1.38$0.16
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$33.3$29.4$3.95$1.61$1.47$0.14
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$32.7$28.9$3.80$1.45$1.36$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.1$26.4$3.72$1.32$1.13$0.19
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$30.7$27.1$3.53$1.28$1.18$0.10
2015Detailed filing. Detailed filing data is available for this year.$31.0$27.5$3.43$1.24$1.15$0.09
2014Detailed filing. Detailed filing data is available for this year.$29.6$26.3$3.34$1.15$0.94$0.21
2013Detailed filing. Detailed filing data is available for this year.$26.7$23.5$3.14$1.04$1.04$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.0$24.8$3.13$0.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.6$23.5$3.09$1.27
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.8$21.8$2.94$1.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.1
Gross Receipts
$2,044,948
Mission and Program Overview

Mission

Credit Union Programs Programs of credit unions which offer a wide variety of personal financial services exclusively to their members featuring competitive dividend rates on investments, competitive interest rates on loans, and other products and services.

Providing financial services exclusively to credit union members8

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$24,870,992$28,457,491▲ $3,586,499
Other Notes and Loans Receivable, Net$19,699,080$18,205,293▼ $1,493,787
Rtn Earn Endowment Incm Other Fnds$4,629,213$4,549,416▼ $79,797
Investments in Publicly Traded Securities$1,920,079$0▼ $1,920,079
Land, Buildings, and Equipment, Net$1,118,604$1,050,407▼ $68,197
Investments Program Related$572,725$591,107▲ $18,382
Cash and Non-Interest-Bearing Accounts$1,225,459$471,833▼ $753,626
Accounts Receivable$180,051$237,599▲ $57,548
Prepaid Expenses and Deferred Charges$39,233$32,385▼ $6,848
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$49,685,727$49,132,255▼ $553,472
Other Assets Total$59,504$86,140▲ $26,636
Liabilities
Other Liabilities$44,601,525$44,030,444▼ $571,081
Accounts Payable and Accrued Expenses$454,989$552,395▲ $97,406
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$45,056,514$44,582,839▼ $473,675
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,629,213$4,549,416▼ $79,797
Total Liabilities and Net Assets / Fund Balance$49,685,727$49,132,255▼ $553,472

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$653,867$161,499$815,366
Equipment$96,540$297,899$394,439
Land$300,000-$300,000
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven NazarukCEO or ManagerFT$106,601$106,601

Board Members and Trustees

NameTitle
Lynn ColeBoard Chairperson
Chris ThomasBoard Member
Jackie GutierrezBoard Member
Joseph SwittBOARD SECRETARY and TREASURER
James PooleBoard Secretary Board Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,334,929
Investment Income
$710,019
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$-79,797
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,467,253
Salaries, Compensation, and Employee Benefits$657,492
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$667,675$0$0$667,675
Other Salaries and Wages$357,613$0$0$357,613
Other Employee Benefits$157,489$0$0$157,489
Fees for Services Accounting$147,585$0$0$147,585
Occupancy$113,543$0$0$113,543
Current Officers, Directors, Trustees, and Key Employees$106,601$0$0$106,601
Office Expenses$87,617$0$0$87,617
Depreciation Depletion$70,097$0$0$70,097
Insurance$43,457$0$0$43,457
Payroll Taxes$35,789$0$0$35,789
Fees for Services Other$35,298$0$0$35,298
Advertising$6,732$0$0$6,732
Travel$2,089$0$0$2,089
Total Functional Expenses$2,124,745$0$0$2,124,745
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member deposits$44,030,444
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
No
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“State chartered credit unions in florida”

Part VI, Line 7A

“Credit union is comprised of members”

Part VI, Line 11A

“Ceo reviews 990 & makes copies available to board”

Part VI, Line 12C

“Members with possible conflicts are excused from discussions & voting”

Part VI, Line 15

“Credit union industry salary surveys are used as a guide by the board to set salaries”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1206460
In Care Of
% STEVEN NAZARUK
Phone
3525093200
Address
2675 SE 36TH AVE, OCALA, FL 34471-6241
Doing Business As
Ocala Community Credit Union

Signing Officer

Name
Steven Nazaruk
Title
CEO
Signed
2025-04-28
Discuss with paid preparer
No

Organization Details

Formed
1953
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
10
Volunteers
8

Preparer

Firm
Ewart & Associates LLC
Address
5881 NW 151ST STREET SUITE 115, Miami Lakes, FL 33014
Preparer
Richard Ewart
Raw XML AppendixShowing 400 of 586 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
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IRS990/BooksInCareOfDetail/PhoneNum03525093200
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IRS990/BooksInCareOfDetail/USAddress/CityNm0OCALA
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IRS990/CYTotalRevenueAmt02044948
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IRS990/DonatedServicesAndUseFcltsAmt00
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IRS990/Form990PartVIISectionAGrp/PersonNm1LYNN COLE
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES POOLE
IRS990/Form990PartVIISectionAGrp/PersonNm3JOSEPH SWITT
IRS990/Form990PartVIISectionAGrp/PersonNm4CHRIS THOMAS
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IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD SECRETARY BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD SECRETARY and TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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