Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2015 • EIN 59-1206460

Jan 01, 2015 to Dec 31, 2015 • Filed on Apr 13, 2016

Organization ProfileWWW.OCALACOMMUNITYCU.COM
2675 SE 36th AvenueOcala, FL 34471

(352) 509-3200

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.89x

Higher debt load relative to assets than 62% of similar nonprofits.

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

Liabilities / Revenue

63rd percentile

22.20x

Higher debt load relative to revenue than 63% of similar nonprofits.

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

Net Margin

47th percentile

7.1%

Higher net margin than 47% of similar nonprofits.

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

Top Officer Pay

31st percentile

$79,894

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

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

Asset Growth

63rd percentile

4.5%

Faster asset growth than 63% of similar nonprofits.

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

Revenue Growth

84th percentile

7.7%

Faster revenue growth than 84% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$30,971,816

Up $1,330,509 (+4.5%) from 2014

Net Assets

Up

$3,432,237

Up $87,469 (+2.6%) from 2014

Liabilities

Up

$27,539,579

Up $1,243,040 (+4.7%) from 2014

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin47th percentile

Revenue

Up

$1,240,632

Up $88,599 (+7.7%) from 2014

Expenses

Up

$1,153,163

Up $209,339 (+22%) from 2014

Net Income

Down

$87,469

Down $120,740 (-58%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth63rd percentile

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

$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

2015

Assets$30,971,816
Liabilities$27,539,579
Net Assets$3,432,237
Open 2015 Filing

Operations Trend

Revenue Growth84th percentile

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

2015

Revenue$1,240,632
Expenses$1,153,163
Net Income$87,469
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 13, 2016
Return Version
2015v2.1
Gross Receipts
$1,240,632
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.

Credit Union Programs Programs of credit unions which offer a wide variety of personal financial services exclusively to their members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,578,073$13,749,152▲ $171,079
Savings and Temporary Cash Investments$11,902,674$8,126,099▼ $3,776,575
Investments Other Securities$1,985,000$6,651,000▲ $4,666,000
Rtn Earn Endowment Incm Other Fnds$3,344,768$3,432,237▲ $87,469
Land, Buildings, and Equipment, Net$1,243,936$1,209,208▼ $34,728
Cash and Non-Interest-Bearing Accounts$515,179$696,869▲ $181,690
Investments Program Related$283,907$321,302▲ $37,395
Prepaid Expenses and Deferred Charges$68,155$137,683▲ $69,528
Accounts Receivable$64,383$74,738▲ $10,355
Total Assets$29,641,307$30,971,816▲ $1,330,509
Other Assets Total-$5,765-
Liabilities
Other Liabilities$25,728,031$27,315,419▲ $1,587,388
Accounts Payable and Accrued Expenses$568,508$224,160▼ $344,348
Total Liabilities$26,296,539$27,539,579▲ $1,243,040
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,344,768$3,432,237▲ $87,469
Total Liabilities and Net Assets / Fund Balance$29,641,307$30,971,816▲ $1,330,509

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$770,928$44,438$815,366
Equipment$138,280$179,333$317,613
Land$300,000-$300,000
Other Securities$6,651,000--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven NazarukCEOFT$79,894$79,894

Board Members and Trustees

NameTitle
Chris ThomasDirector
Jackie RojasDirector
James M PooleDirector
Joseph SwittDirector
Lyn ViselliDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,101,685
Investment Income
$138,947
Other Revenue
$0
Change in Net Assets
$87,469
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$702,410
Salaries, Compensation, and Employee Benefits$450,753
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$266,947--$266,947
Other Salaries and Wages$253,096--$253,096
Interest$118,146--$118,146
Other Expenses$102,547--$102,547
Other Employee Benefits$90,789--$90,789
Current Officers, Directors, Trustees, and Key Employees$79,894--$79,894
Fees for Services Other$57,009--$57,009
Occupancy$53,514--$53,514
Depreciation Depletion$50,696--$50,696
Payroll Taxes$26,974--$26,974
Advertising$20,982--$20,982
Insurance$19,575--$19,575
Travel$1,920--$1,920
Total Functional Expenses$1,153,163$0$0$1,153,163
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
Federal income taxes$27,315,419
Member Deposits-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
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 B, Line 12C

“Employees are restricted from processing transactions on their own behalf or for a family member. There are regular reviews of the activity in the accounts of volunteers and employees.”

Form 990, Part VI, Section B, Line 15A

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

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby and other items that are required to be disclosed are available upon request”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1206460
Phone
3525093200
Address
2675 SE 36TH AVENUE, OCALA, FL 34471

Signing Officer

Name
Steven Nazaruk
Title
CEO
Signed
2016-04-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Steven Nazaruk
Formed
1953
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
11
Volunteers
8

Preparer

Firm
Edwin W Ewart Jr CPA
Address
7480 FAIRWAY DR 207, MIAMI LAKES, FL 33014
Preparer
Edwin W Ewart Jr CPA
Phone
3052136453
Raw XML Appendix357 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.

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IRS990ScheduleD/BuildingsGrp/BookValueAmt0770928
IRS990ScheduleD/BuildingsGrp/DepreciationAmt044438
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0815366
IRS990ScheduleD/EquipmentGrp/BookValueAmt0138280
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0179333
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0317613
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0300000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0300000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt027315419
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06651000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/OtherSecuritiesGrp/Desc2investments
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01209208
IRS990ScheduleD/TotalBookValueSecuritiesAmt06651000
IRS990ScheduleD/TotalLiabilityAmt027315419
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EMPLOYEES ARE RESTRICTED FROM PROCESSING TRANSACTIONS ON THEIR OWN BEHALF OR FOR A FAMILY MEMBER. THERE ARE REGULAR REVIEWS OF THE ACTIVITY IN THE ACCOUNTS OF VOLUNTEERS AND EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SET SALARIES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE REQUIRED TO BE DISCLOSED ARE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt029641307
IRS990/TotalAssetsEOYAmt030971816
IRS990/TotalAssetsGrp/BOYAmt029641307
IRS990/TotalAssetsGrp/EOYAmt030971816
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01153163
IRS990/TotalFunctionalExpensesGrp/TotalAmt01153163
IRS990/TotalGrossUBIAmt03458
IRS990/TotalLiabilitiesBOYAmt026296539
IRS990/TotalLiabilitiesEOYAmt027539579
IRS990/TotalLiabilitiesGrp/BOYAmt026296539
IRS990/TotalLiabilitiesGrp/EOYAmt027539579
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03344768
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03432237
IRS990/TotalProgramServiceExpensesAmt01153163
IRS990/TotalProgramServiceRevenueAmt01101685
IRS990/TotalReportableCompFromOrgAmt079894
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01237174
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01240632
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03458
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt029641307
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt030971816
IRS990/TravelGrp/ProgramServicesAmt01920
IRS990/TravelGrp/TotalAmt01920
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02675 SE 36TH AVE
IRS990/USAddress/CityNm0OCALA
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd034471
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.OCALACOMMUNITYCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Steven Nazaruk
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNIONS IN FLORIDA
ReturnHeader/Filer/BusinessNameControlTxt0STAT
ReturnHeader/Filer/EIN0591206460
ReturnHeader/Filer/PhoneNum03525093200
ReturnHeader/Filer/USAddress/AddressLine1Txt02675 SE 36TH AVENUE
ReturnHeader/Filer/USAddress/CityNm0OCALA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd034471
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0EDWIN W EWART JR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07480 FAIRWAY DR 207
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MIAMI LAKES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd033014
ReturnHeader/PreparerPersonGrp/PhoneNum03052136453
ReturnHeader/PreparerPersonGrp/PreparationDt02016-04-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWIN W EWART JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02016-04-13T12:05:22-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$30,971,816
Liabilities
$27,539,579
Net assets
$3,432,237
Revenue
$1,240,632
Expenses
$1,153,163
Net income
$87,469
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
Peer Organizations

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