Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2018 • EIN 59-1206460

Jan 01, 2018 to Dec 31, 2018 • Filed on May 23, 2019

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

(352) 509-3200

Siviq Scores

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

Liabilities / Assets

64th percentile

0.88x

Higher debt load relative to assets than 64% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

63rd percentile

19.94x

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

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

25th percentile

5.9%

Higher net margin than 25% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

34th percentile

$90,824

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

94th percentile

8.6%

Faster asset growth than 94% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

54th percentile

9.9%

Faster revenue growth than 54% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$32,696,000

Up $2,600,171 (+8.6%) from 2017

Net Assets

Up

$3,802,210

Up $84,763 (+2.3%) from 2017

Liabilities

Up

$28,893,790

Up $2,515,408 (+9.5%) from 2017

Revenue And Expenses
Liabilities / Revenue63rd percentileNet Margin25th percentile

Revenue

Up

$1,448,890

Up $130,117 (+9.9%) from 2017

Expenses

Up

$1,364,127

Up $233,242 (+21%) from 2017

Net Income

Down

$84,763

Down $103,125 (-55%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth94th 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

2018

Assets$32,696,000
Liabilities$28,893,790
Net Assets$3,802,210
Open 2018 Filing

Operations Trend

Revenue Growth54th 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

2018

Revenue$1,448,890
Expenses$1,364,127
Net Income$84,763
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 23, 2019
Return Version
2018v3.1
Gross Receipts
$1,448,890
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 members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,328,739$17,728,196▲ $1,399,457
Savings and Temporary Cash Investments$11,417,465$11,922,266▲ $504,801
Rtn Earn Endowment Incm Other Fnds$3,717,447$3,802,210▲ $84,763
Cash and Non-Interest-Bearing Accounts$664,416$1,320,606▲ $656,190
Land, Buildings, and Equipment, Net$1,143,208$1,202,416▲ $59,208
Investments Program Related$321,637$302,761▼ $18,876
Accounts Receivable$136,305$172,964▲ $36,659
Prepaid Expenses and Deferred Charges$84,059$46,791▼ $37,268
Total Assets$30,095,829$32,696,000▲ $2,600,171
Liabilities
Other Liabilities$25,906,803$28,494,703▲ $2,587,900
Accounts Payable and Accrued Expenses$471,579$399,087▼ $72,492
Total Liabilities$26,378,382$28,893,790▲ $2,515,408
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,717,447$3,802,210▲ $84,763
Total Liabilities and Net Assets / Fund Balance$30,095,829$32,696,000▲ $2,600,171

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$25,000--
Buildings$731,908$83,458-
Land$300,000--
Equipment$170,508$268,483-
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Steven NazarukCEOFT$90,824$90,824

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,253,416
Investment Income
$195,474
Other Revenue
$0
Change in Net Assets
$84,763
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$807,189
Salaries, Compensation, and Employee Benefits$556,938
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$306,852
Office Expenses---$185,811
Information Technology---$146,878
Other Expenses---$141,032
Other Employee Benefits---$127,481
Interest---$97,331
Current Officers, Directors, Trustees, and Key Employees---$90,824
Occupancy---$85,168
Depreciation Depletion---$50,667
Payroll Taxes---$31,781
Advertising---$29,119
Insurance---$22,942
Fees for Services Other---$20,822
Travel---$12,030
All Other Expenses---$5,000
Total Functional Expenses$0$0$0$1,364,127
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$28,494,703
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 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
No
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

“CREDIT UNION MEMBERS”

Part VI Line 7A

“MEMBERS ELECT DIRECTORS”

Part VI Line 11B

“Ceo & cfo review form before filing.”

Part VI Line 12C

“Directors are required to recuse themselves form any discussions and”

Part VI Line 12C

“Decisions that could be considered a conflict of interest”

Part VI Line 15A or B

“Indisutry salary surveys are used by board to set ceo salary”

Part VI Line 19

“Financial statements are posted in lobby, other items are available by”

Part VI Line 19

“Request as required by law”

Section C Line 19

“Financial statements are posted in the lobby and other items that are requi”

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
Doing Business As
Ocala Community Credit Union

Signing Officer

Name
Steven Nazaruk
Title
CEO
Phone
3525093200
Signed
2019-05-23

Organization Details

Principal Officer
Steven Nazaruk
Formed
1953
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
15
Volunteers
8
Supplemental Narrative

Additional Explanations

Section B Line 12C

“Employees are restricted from processing transactions on their own behalf o”

Sec B Line 15A

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

Raw XML Appendix350 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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IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/Form990ProvidedToGvrnBodyInd0false
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO & CFO REVIEW FORM BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS ARE REQUIRED TO RECUSE THEMSELVES FORM ANY DISCUSSIONS AND
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DECISIONS THAT COULD BE CONSIDERED A CONFLICT OF INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INDISUTRY SALARY SURVEYS ARE USED BY BOARD TO SET CEO SALARY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN LOBBY, OTHER ITEMS ARE AVAILABLE BY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7REQUEST AS REQUIRED BY LAW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EMPLOYEES ARE RESTRICTED FROM PROCESSING TRANSACTIONS ON THEIR OWN BEHALF O
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9CREDIT UNION INDUSTRY SALARY SURVEYS ARE USED AS A GUIDE BY THE BOARD TO SE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND OTHER ITEMS THAT ARE REQUI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8SECTION B LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9SEC B LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10SECTION C LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030095829
IRS990/TotalAssetsEOYAmt032696000
IRS990/TotalAssetsGrp/BOYAmt030095829
IRS990/TotalAssetsGrp/EOYAmt032696000
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01364127
IRS990/TotalGrossUBIAmt06714
IRS990/TotalLiabilitiesBOYAmt026378382
IRS990/TotalLiabilitiesEOYAmt028893790
IRS990/TotalLiabilitiesGrp/BOYAmt026378382
IRS990/TotalLiabilitiesGrp/EOYAmt028893790
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03717447
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03802210
IRS990/TotalProgramServiceExpensesAmt01364127
IRS990/TotalProgramServiceRevenueAmt01253416
IRS990/TotalReportableCompFromOrgAmt090824
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01442176
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01448890
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt06714
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030095829
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032696000
IRS990/TravelGrp/TotalAmt012030
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/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/PersonNm0STEVEN NAZARUK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03525093200
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0STATE CHARTERED CREDIT UNIONS IN FLORIDA
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0OCALA COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OCAL
ReturnHeader/Filer/EIN0591206460
ReturnHeader/Filer/InCareOfNm0% STEVEN NAZARUK
ReturnHeader/Filer/PhoneNum03525093200
ReturnHeader/Filer/USAddress/AddressLine1Txt02675 SE 36TH AVE
ReturnHeader/Filer/USAddress/CityNm0OCALA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd034471
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId053E6AD49DF9B8C1CFEBEA301DDCEB931EB3D8377
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A341470130FE0CF886EC6C477176F0369D3AD958
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520191436658962
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02019-05-21
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0208.115.41.2
ReturnHeader/ReturnTs02019-05-21T19:55:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,696,000
Liabilities
$28,893,790
Net assets
$3,802,210
Revenue
$1,448,890
Expenses
$1,364,127
Net income
$84,763
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
2018Detailed filing. Detailed filing data is available for this year.$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