2023-02-08T11:26:31-06:00 2021-12-31 593204548 JAMES MOORE & CO PL 5931 NW 1ST PL GAINESVILLE FL 326072063 990 2021-01-01 590808589 RADIANT CREDIT UNION RADI 3523815200 4440 NW 25TH PLACE GAINESVILLE FL 326066563 THOMAS BARNARD PRESIDENT/CEO 3864621180 2023-02-08 1 THOMAS BARNARD 999009999 CORINNE LAROCHE P01500189 3523781331 2023-02-08 0 AAL1 IAL1 2021 2023-03-07 01:45:13Z X X X THOMAS BARNARD 4440 NW 25TH PLACE GAINESVILLE FL 326066563 35802177 0 X HTTPS://WWW.RADIANTCU.ORG/ X 2021 FL ORGANIZATION IS A NOT-FOR-PROFIT CREDIT UNION THAT OFFERS MEMBERS LOAN AND DEPOSIT SERVICES. 9 9 206 0 1306246 0 0 23050906 182132 9498598 32731636 0 0 13249782 0 0 14643297 27893079 4838557 703310605 44616524 658694081 WE WILL DELIVER A TIMELY, ATTENTIVE, PERSONALIZED EXPERIENCE THAT LEAVES OUR MEMBERS FEELING VALUED! 0 0 WE'RE A CREDIT UNION, A NOT-FOR-PROFIT FINANCIAL INSTITUTION PROUDLY SERVING OUR COMMUNITY AND WE RETURN OUR PROFITS TO OUR MEMBER-OWNERS IN THE FORM OF BETTER RATES, LOWER FEES, A HIGHER RETURN ON DEPOSITS, AND PERSONALIZED SERVICE. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 47 0 206 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 X THE ORGANIZATION 3523815200 4440 NW 25TH PLACE GAINESVILLE FL 326066563 CALVIN DECOURSEY CHAIRMAN 1.00 X X 0 0 0 CHAD KING VICE CHAIRMAN 1.00 X X 0 0 0 CYNTHIA S BROCHU TREASURER 1.00 X X 0 0 0 JANE TAYLOR SECRETARY 1.00 X X 0 0 0 PATRICK FITZGERALD DIRECTOR 1.00 X 1971 0 0 CHARLES GEIGER SR DIRECTOR 1.00 X 0 0 0 DAVID NICHOLSON DIRECTOR 1.00 X 856 0 0 SHARON PAPCIAK DIRECTOR 1.00 X 0 0 0 JOHN POWER DIRECTOR 1.00 X 2240 0 0 THOMAS BARNARD PRESIDENT/CEO 40.00 X 419810 0 40702 KELLY CHESSER COO 40.00 X 214177 0 27381 BRANDON LOVE CTO 40.00 X 192609 0 11385 JOSEPH AKINS FORMER CEO 40.00 X 191986 0 0 SUZANNE FRIIS FORMER VP OF OPERATIONS 40.00 X 163356 0 396 1187005 0 79864 5 1 1 0 WITTENBACH BUSINESS SYSTEMS LLC PO BOX 45769 BALTIMORE MD 212975769 SECURITY 211693 AVTEX SOLUTIONS LLC PO BOX 856660 MINNEAPOLIS MN 554856660 CONSULTING 184594 SORENSON VANLEUVEN PLLC PO BOX 3637 TALLAHASSEE FL 32315 LEGAL FEES 182207 ITSAVVY LLC PO BOX 3296 GLEN ELLYN IL 60138 INFORMATION TECHNOLOGY 152551 PK 5 LLC 2627 NW 43RD STREET SUITE 300 GAINESVILLE FL 32606 RENT 128860 6 CONSUMER LENDING ACTIVITIES 522291 23050906 23050906 23050906 884082 884082 2368591 3070541 -701950 -701950 -701950 MISCELLANEOUS OPERATING INCOME 522100 5149847 5149847 FEE INCOME 522100 3042505 3042505 GAP INSURANCE 524298 632239 632239 674007 674007 9498598 32731636 31243258 1306246 182132 1261800 9315796 578381 2093805 160901 73616 482207 1449124 1063038 2065116 1058848 156058 2000 1111503 873323 162997 LOAN SERVICING 2037238 PROVISION FOR LOAN LOSS 1789444 DEBIT CARD 1016023 ATM 399390 742471 27893079 2710925 8939112 498562126 2296293 27671888 10088803 0 17583085 171612654 0 1606410 0 703310605 3035129 504314 40000000 0 1077081 0 44616524 X 0 0 0 0 0 658694081 0 658694081 0 703310605 X 4838557 -328817 654184341 X X 0 1 X 1 0 6366736 6366736 14223350 4575770 9647580 843118 268776 574342 6238684 5244257 994427 17583085 OVERNIGHT INVESTMENTS 61702462 F ALL OTHER INVESTMENTS 109910192 F 171612654 DIVIDENDS PAYABLE 2293 INTEREST PAYABLE 656 OTHER LIABILITIES 1040677 TAXES PAYABLE 33455 1077081 X PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY ON EXAMINATION BY TAX AUTHORITIES. MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX, EFFECTIVE JANUARY 1, 2021. X 1 0 0 THOMAS BARNARD PRESIDENT/CEO 276721 0 115268 0 27821 0 26000 0 14702 0 460512 0 0 0 KELLY CHESSER COO 158736 0 39604 0 15837 0 12679 0 14702 0 241558 0 0 0 BRANDON LOVE CTO 153858 0 35893 0 2858 0 11385 0 0 0 203994 0 0 0 JOSEPH AKINS FORMER CEO 0 0 0 0 191986 0 0 0 0 0 191986 0 0 0 SUZANNE FRIIS FORMER VP OF OPERATIONS 36 0 8494 0 154826 0 396 0 0 0 163752 0 0 0 PART I, LINE 4A JOSEPH AKINS - $191,986 SUZANNE FRIIS - $163,752 FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY THE BOARD OF DIRECTORS PRIOR TO BEING FILED. FORM 990, PART VI, SECTION C, LINE 19 FORM 990 IS AVAILABLE UPON REQUEST. FORM 990, PART XI, LINE 9: NET ASSETS FROM PRIOR ORGANIZATION 654,184,341. FORM 990, PART XII, LINE 2B THE ORGANIZATION'S AUDITED FINANCIAL STATEMENTS ARE REPORTED AS OF 6/30/2022 AND NOT THEIR TAX YEAR 12/31/2021. THEREFORE, 990 PART IV, LINE 12A, HAS BEEN ANSWERED, "NO, AND FORM 990 PART XII, LINE 2B, HAS BEEN ANSWERED, "YES." FORM 990, PART XII, LINE 2C THIS PROCESS HAS NOT CHANGED SINCE THE PRIOR YEAR. RAYS OF HOPE FOUNDATION INC 4440 NW 25TH PLACE GAINESVILLE FL 32606 810734376 TO PROMOTE AND PROVIDE CHARITABLE ASSISTANCE FL 501(C)(3) LINE 7 0 RADIANT FINANCIAL SOLUTIONS LLC 4440 NW 25TH PLACE GAINESVILLE FL 32606 454195071 CREDIT UNION SERVICE ORGANIZATION FL N/A S 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0