2020-10-05T14:57:56-07:00 2019-12-31 990 2019-01-01 590653174 STATE CHARTERED CREDIT UNIONS IN FLORIDA-BRIGHTSTAR CREDIT UNION STAT 9544862728 PO Box 8966 Fort Lauderdale FL 333108966 Biana Murnane EVP/CFO 9548095185 2020-08-28 74.175.101.248 2019 2021-04-22 16:20:28Z Michael Tomko PO Box 8966 Ft Lauderdale FL 333108966 34052074 0 X www.bscu.org X Credit Union 1946 FL Credit Union 6 6 244 9 39762 -10727 0 0 16230498 19422868 2116023 1937059 11353420 11809612 29699941 33169539 0 0 0 0 10516957 11825999 0 0 0 16173545 20056707 26690502 31882706 3009439 1286833 481736746 518452001 431180494 466022859 50556252 52429142 Credit Union 0 0 31882706 0 33169539 Income from Credit Union's membership and from investments of members funds provided the foundation from which the organization can function and provide services to its restricted membership. 0 0 0 N/A 0 0 0 31882706 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 6892 0 1 244 1 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 FL X Biana Murnane 9544862728 5901 Del Lago Circle Sunrise FL 333136341 Michael Tomko President & CEO 40 X X 446097 0 29678 Biana Murnane EVP/CFO 40 X X 336637 0 14447 David Birulin VP Lending(former) 40 X X 210494 0 12426 Jason Gherdovich Business Development Manager(former) 40 X X 207461 0 13853 Panzina Hill VP HR 40 X 168220 0 15835 David Mateo Commercial Relationship Officer 40 X 170741 0 11705 Dustin Jacobs VP Marketing 40 X 143749 0 17740 Peter Cao IT Manager 40 X 120716 0 12787 Natasha Schneider Controller 40 X 114353 0 12196 Matthew Meyer VP IT (former) 40 X X 102990 0 4410 James Huaman VP IT 40 X 86149 0 11706 Colin Battle Chairman 2 X 0 0 0 John Quercia Board Secretary 1 X 0 0 0 James Notter Board Member 2 X 0 0 0 Kevin Cronin Board Treasurer 2 X 0 0 0 Brian Sullivan Board Member 2 X 0 0 0 William Hennessey Board Member 1 X 0 0 0 2107607 0 156783 10 1 1 0 Fidelity National Information Srvcs Inc 601 Riverside Ave Jacksonville FL 32204 Credit and Debit Card Services 1679338 UNIFIED TECHNOLOGY USA LLC 9200 S DADELAND BLVD MIAMI FL 33156 Software and Software maintenance 582311 Q2 SOFTWARE INC 2975 Regent Blvd Irving TX 75320 Electronic Banking Solutions 556217 TRUHOME Legler Rd Lenexa KS 66219 Underwriting and Mortgage Service 462848 Globe Marketing System Inc 11950 NW 39th ST Suite B Coral Springs FL 33065 Mail House/Postal Service 451300 21 0 Member loan interest income 522130 19422868 19422868 0 0 0 0 0 0 19422868 2138414 2138414 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 681180 0 882535 0 -201355 -201355 -201355 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Members fee and charges 522130 6064688 6024926 39762 0 Other Operating Income 522130 5744924 5744924 0 0 0 0 0 0 11809612 33169539 33129777 39762 0 0 0 0 0 782734 8920865 0 -63795 1379086 807109 0 81787 102396 0 0 0 0 1054459 5419756 1408338 0 1556054 40465 0 294373 20296 0 949451 0 Interest on members' accounts 2382575 Provision for Loan Losses 4295364 Loan Servicing Expenses 2451393 0 31882706 0 0 0 5803052 5241698 0 0 0 0 1325652 -435889 558805 928637 0 0 355075341 379741932 0 0 7886796 6839377 25691757 12381071 12773282 13310686 90459925 104686574 0 0 0 0 0 0 7853893 8138986 481736746 518452001 6362735 6472364 0 0 0 429020 467872 0 0 0 0 0 0 424388739 459082623 431180494 466022859 X 0 0 0 0 50556252 52429142 50556252 52429142 481736746 518452001 X 1286833 2317914 0 0 0 -1731857 X 0 1 X 1 0 0 1 X 2806666 0 2806666 12623481 0 4926907 7696574 940636 0 551157 389479 9320974 0 6903007 2417967 0 0 0 0 13310686 0 Member Accounts 459082623 459082623 33169539 0 0 0 0 0 33169539 0 0 0 33169539 31882706 0 0 0 0 0 31882706 0 0 0 31882706 Schedule D, Part IV, Line 2b - Funds held in escrow for members with mortgage loans. X 1 1 X 0 1 0 Michael Tomko President & CEO 379603 0 66494 0 0 0 0 0 29678 0 475775 0 0 0 Biana Murnane EVP/CFO 290593 0 46043 0 0 0 0 0 16068 0 352704 0 0 0 David Birulin VP Lending 185436 0 25058 0 0 0 0 0 18009 0 228503 0 0 0 Jason Gherdovich Business Development Manager 199643 0 7819 0 0 0 0 0 14904 0 222366 0 0 0 Panzina Hill VP HR 142237 0 25983 0 0 0 0 0 30282 0 198502 0 0 0 David Mateo Commercial Relationship Officer 168898 0 1843 0 0 0 0 0 12253 0 182994 0 0 0 Dustin Jacobs VP Marketing 126831 0 16918 0 0 0 0 0 26332 0 170081 0 0 0 Schedule J, Part I, Line 1a Travel for accompanying spouse of Board Member. Schedule J, Part I, Line 3 Compensation is approved by the Board. Schedule J, Part I, Line 4 457(f) plan for CEO and EVP/CFO of the Credit Union. Colin Battle Director Mortgage X 76400 5253 0 1 1 Panzina Hill Officer HELOC X 95000 64170 0 1 1 David Birulin Former VP Lending Mortgage X 292500 278607 0 1 1 James Notter Director Mortgage X 224000 198656 0 1 1 James Notter Director Credit Card X 20000 9374 0 1 1 Biana Murnane CFO/EVP Credit Card X 20000 16204 0 1 1 Dustin Jacobs VP Marketing Credit Card X 15000 214 0 1 1 Dustin Jacobs VP Marketing Credit Card X 20000 10496 0 1 1 John Quercia Director Mortgage X 347000 340634 0 1 1 Benjamin Leong Director Credit Card X 12500 1848 0 1 1 William Lawrence Director Credit Card X 20000 213 0 1 1 Brian Sullivan Director Credit Card X 13000 2967 0 1 1 928636 Form 990, Part VI, Section A, Line 6 - Credit Union is members driven. Form 990, Part VI, Section A, Line 7a Members elect Board Members. Form 990, Part VI, Section B, Line 11b - Form 990 is reviewed and approved by the CFO/EVP before submitted. Form 990, Part VI, Section B, Line 12c - Policies and procedures and compliance to these are subject to audits by internal/external auditors. Form 990, Part VI, Section B, Line 15 - All salaries are approved by the Board. Form 990, Part VI, Section C, Line 19 - Upon request. Form 990, Part XI, Line 9 - Unrealized Defined Benefit Pension Costs. COVID 19 work delays - Extension Form 8868 was filed and accepted on 7/9/2020