Civic Intelligence

State Chartered Credit Unions in Florida

990 • Fiscal year 2013 • EIN 59-1226570

Jan 01, 2013 to Dec 31, 2013 • Filed on Jun 26, 2014

Organization ProfileWWW.CCECU.ORG

View Organization Page

719 S Missouri Avenue33756-5916

(727) 442-7746

Siviq Scores

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

Liabilities / Assets

39th percentile

0.85x

Higher debt load relative to assets than 39% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

55th percentile

20.64x

Higher debt load relative to revenue than 55% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

52nd percentile

4.3%

Higher net margin than 52% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

38th percentile

$62,526

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 9.0% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

71st percentile

4.4%

Faster asset growth than 71% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

58th percentile

8.6%

Faster revenue growth than 58% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets39th percentile

Assets

Up

$16,791,517

Up $701,331 (+4.4%) from 2012

Net Assets

Up

$2,436,772

Up $30,091 (+1.3%) from 2012

Liabilities

Up

$14,354,745

Up $671,240 (+4.9%) from 2012

Revenue And Expenses
Liabilities / Revenue55th percentileNet Margin52nd percentile

Revenue

Up

$695,574

Up $55,022 (+8.6%) from 2012

Expenses

Up

$665,483

Up $3,168 (+0.5%) from 2012

Net Income

Up

$30,091

Up $51,854 (+238%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth71st percentile

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

$60M$40M$20M$0Assets 2010: $14,530,953Liabilities 2010: $12,099,402Net Assets 2010: $2,431,5512010Assets 2011: $15,330,661Liabilities 2011: $12,902,217Net Assets 2011: $2,428,4442011Assets 2012: $16,090,186Liabilities 2012: $13,683,505Net Assets 2012: $2,406,6812012Assets 2013: $16,791,517Liabilities 2013: $14,354,745Net Assets 2013: $2,436,7722013Assets 2014: $17,507,491Liabilities 2014: $15,037,252Net Assets 2014: $2,470,2392014Assets 2015: $18,522,610Liabilities 2015: $15,920,866Net Assets 2015: $2,601,7442015Assets 2016: $20,503,625Liabilities 2016: $17,794,167Net Assets 2016: $2,709,4582016Assets 2017: $22,579,829Liabilities 2017: $19,658,844Net Assets 2017: $2,920,9852017Assets 2018: $23,698,948Liabilities 2018: $20,584,742Net Assets 2018: $3,114,2062018Assets 2019: $24,593,584Liabilities 2019: $21,422,657Net Assets 2019: $3,170,9272019Assets 2020: $30,308,535Liabilities 2020: $26,916,182Net Assets 2020: $3,392,3532020Assets 2021: $36,576,165Liabilities 2021: $33,132,561Net Assets 2021: $3,443,6042021Assets 2022: $38,354,964Liabilities 2022: $34,780,884Net Assets 2022: $3,574,0802022Assets 2023: $36,537,789Liabilities 2023: $33,496,081Net Assets 2023: $3,041,7082023Assets 2024: $40,070,325Liabilities 2024: $36,904,190Net Assets 2024: $3,166,1352024

Highlighted filing

2013

Assets$16,791,517
Liabilities$14,354,745
Net Assets$2,436,772
Open 2013 Filing

Operations Trend

Revenue Growth58th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $653,7152010Revenue 2011: $646,605Expenses 2011: $649,712Net Income 2011: -$3,1072011Revenue 2012: $640,552Expenses 2012: $662,315Net Income 2012: -$21,7632012Revenue 2013: $695,574Expenses 2013: $665,483Net Income 2013: $30,0912013Revenue 2014: $765,586Expenses 2014: $732,119Net Income 2014: $33,4672014Revenue 2015: $892,240Expenses 2015: $760,735Net Income 2015: $131,5052015Revenue 2016: $1,029,341Expenses 2016: $921,627Net Income 2016: $107,7142016Revenue 2017: $1,315,946Expenses 2017: $1,104,419Net Income 2017: $211,5272017Revenue 2018: $1,313,778Expenses 2018: $1,120,557Net Income 2018: $193,2212018Revenue 2019: $1,590,729Expenses 2019: $1,534,008Net Income 2019: $56,7212019Revenue 2020: $1,622,739Expenses 2020: $1,401,313Net Income 2020: $221,4262020Revenue 2021: $1,748,104Expenses 2021: $1,696,853Net Income 2021: $51,2512021Revenue 2022: $1,932,722Expenses 2022: $1,802,246Net Income 2022: $130,4762022Revenue 2023: $2,251,079Expenses 2023: $2,725,742Net Income 2023: -$474,6632023Revenue 2024: $2,512,556Expenses 2024: $2,389,511Net Income 2024: $123,0452024

Highlighted filing

2013

Revenue$695,574
Expenses$665,483
Net Income$30,091
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jun 26, 2014
Return Version
2013v3.1
Gross Receipts
$695,574
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$6,211,258$8,222,914▲ $2,011,656
Savings and Temporary Cash Investments$9,063,145$7,698,891▼ $1,364,254
Rtn Earn Endowment Incm Other Fnds$2,406,681$2,436,772▲ $30,091
Land, Buildings, and Equipment, Net$396,148$369,597▼ $26,551
Investments Program Related$262,562$269,199▲ $6,637
Cash and Non-Interest-Bearing Accounts$107,488$174,189▲ $66,701
Accounts Receivable$31,032$32,052▲ $1,020
Prepaid Expenses and Deferred Charges$18,553$24,675▲ $6,122
Total Assets$16,090,186$16,791,517▲ $701,331
Liabilities
Other Liabilities$13,465,707$14,279,518▲ $813,811
Accounts Payable and Accrued Expenses$217,798$75,227▼ $142,571
Total Liabilities$13,683,505$14,354,745▲ $671,240
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,406,681$2,436,772▲ $30,091
Total Liabilities and Net Assets / Fund Balance$16,090,186$16,791,517▲ $701,331

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$119,895$130,339$250,234
Equipment$52,733$157,565$210,298
Land$196,969-$196,969
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
L BlitheCEOFT$42,303$42,303

Board Members and Trustees

NameTitle
G WolfDirector
H AlbrightDirector
M TedderDirector
N ArfmannDirector
P AdamsonDirector
T TeunisDirector
L TruschelFormer CEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$548,431
Investment Income
$147,143
Other Revenue
$0
Change in Net Assets
$30,091
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$382,511
Salaries, Compensation, and Employee Benefits$282,972
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses$160,135--$160,135
Other Salaries and Wages$118,421--$118,421
Current Officers, Directors, Trustees, and Key Employees$104,829--$104,829
Fees for Services Accounting$51,405--$51,405
Other Employee Benefits$37,986--$37,986
Depreciation Depletion$29,665--$29,665
Occupancy$28,534--$28,534
Interest$24,778--$24,778
Insurance$18,762--$18,762
Payroll Taxes$18,532--$18,532
Information Technology$11,489--$11,489
Fees for Services Other$10,381--$10,381
Advertising$8,883--$8,883
Other Expenses$8,691--$8,691
Fees for Services Legal$6,644--$6,644
Travel$5,710--$5,710
Pension Plan Contributions$3,204--$3,204
All Other Expenses$1,827--$1,827
Conferences and Meetings$450--$450
Total Functional Expenses$665,483$0$0$665,483
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$14,279,518
Member Deposits-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
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

EIN
59-1226570
Phone
7274427746

Signing Officer

Name
Lois Blithe
Title
CEO
Signed
2014-06-26
Discuss with paid preparer
Yes

Organization Details

Formed
1941
Legal Domicile
Fl
Voting Board Members
6
Independent Board Members
6
Employees
6
Volunteers
11

Preparer

Preparer
Edwin W Ewart Jr CPA
Phone
3052136453
Raw XML Appendix371 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/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt030091
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0695574
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02406681
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02436772
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09063145
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07698891
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0119895
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0130339
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0250234
IRS990ScheduleD/EquipmentGrp/BookValueAmt052733
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0157565
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0210298
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0196969
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0196969
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt014279518
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0369597
IRS990ScheduleD/TotalLiabilityAmt014279518
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0L TRUSCHEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER CEO
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/TotalAssetsBOYAmt016090186
IRS990/TotalAssetsEOYAmt016791517
IRS990/TotalAssetsGrp/BOYAmt016090186
IRS990/TotalAssetsGrp/EOYAmt016791517
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0665483
IRS990/TotalFunctionalExpensesGrp/TotalAmt0665483
IRS990/TotalGrossUBIAmt04701
IRS990/TotalLiabilitiesBOYAmt013683505
IRS990/TotalLiabilitiesEOYAmt014354745
IRS990/TotalLiabilitiesGrp/BOYAmt013683505
IRS990/TotalLiabilitiesGrp/EOYAmt014354745
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02406681
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02436772
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt07702
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt07702
IRS990/TotalProgramServiceExpensesAmt0665483
IRS990/TotalProgramServiceRevenueAmt0548431
IRS990/TotalReportableCompFromOrgAmt0104829
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0690873
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0695574
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04701
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016090186
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016791517
IRS990/TravelGrp/ProgramServicesAmt05710
IRS990/TravelGrp/TotalAmt05710
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10719 S MISSOURI AVENUE
IRS990/USAddress/City0CLEARWATER
IRS990/USAddress/State0FL
IRS990/USAddress/ZIPCode0337565916
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.CCECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LOIS BLITHE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-06-26
ReturnHeader/Filer/BusinessName/BusinessNameLine10CITY-COUNTY EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CITY
ReturnHeader/Filer/EIN0591226570
ReturnHeader/Filer/PhoneNum07274427746
ReturnHeader/Filer/USAddress/AddressLine10719 S MISSOURI AVENUE
ReturnHeader/Filer/USAddress/City0CLEARWATER
ReturnHeader/Filer/USAddress/State0FL
ReturnHeader/Filer/USAddress/ZIPCode0337565916
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10EDWIN W EWART JR CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine107480 FAIRWAY DR 205
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MIAMI LAKES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode033014
ReturnHeader/PreparerPersonGrp/PhoneNum03052136453
ReturnHeader/PreparerPersonGrp/PreparationDt02014-06-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWIN W EWART JR CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-06-26T01:53:53-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,791,517
Liabilities
$14,354,745
Net assets
$2,436,772
Revenue
$695,574
Expenses
$665,483
Net income
$30,091
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$40.1$36.9$3.17$2.51$2.39$0.12
2023Detailed filing. Detailed filing data is available for this year.$36.5$33.5$3.04$2.25$2.73$0.47
2022Detailed filing. Detailed filing data is available for this year.$38.4$34.8$3.57$1.93$1.80$0.13
2021Detailed filing. Detailed filing data is available for this year.$36.6$33.1$3.44$1.75$1.70$0.05
2020Detailed filing. Detailed filing data is available for this year.$30.3$26.9$3.39$1.62$1.40$0.22
2019Detailed filing. Detailed filing data is available for this year.$24.6$21.4$3.17$1.59$1.53$0.06
2018Detailed filing. Detailed filing data is available for this year.$23.7$20.6$3.11$1.31$1.12$0.19
2017Detailed filing. Detailed filing data is available for this year.$22.6$19.7$2.92$1.32$1.10$0.21
2016Detailed filing. Detailed filing data is available for this year.$20.5$17.8$2.71$1.03$0.92$0.11
2015Detailed filing. Detailed filing data is available for this year.$18.5$15.9$2.60$0.89$0.76$0.13
2014Detailed filing. Detailed filing data is available for this year.$17.5$15.0$2.47$0.77$0.73$0.03
2013Detailed filing. Detailed filing data is available for this year.$16.8$14.4$2.44$0.70$0.67$0.03
2012Summary only. Only limited summary data is available for this year.$16.1$13.7$2.41$0.64$0.66$0.02
2011Summary only. Only limited summary data is available for this year.$15.3$12.9$2.43$0.65$0.65$0.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$12.1$2.43$0.65