2025-10-10T20:17:20-05:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 590637646 STATE CHARTERED CREDIT UNIONS IN FLORIDA STAT 3523359090 14007 NW 1ST ROAD JONESVILLE FL 32669 JENNIFER HUNT CFO 3523359090 2025-10-09 1 0 AUBREY CLEGG P01076395 3052328272 2025-10-09 2024 2025-03-06 01:10:19Z CAMPUS USA CREDIT UNION JERRY BENTON 14007 NW 1ST ROAD JONESVILLE FL 32669 197803800 0 2106 X WWW.CAMPUSCU.COM X 1935 FL CAMPUS USA IS A NON-PROFIT FINANCIAL INSTITUTION. WE SERVE MEMBERS IN TWELVE COUNTIES OFFERING COMPETITIVE SAVINGS AND LOAN OPTIONS ALONG WITH EXCEPTIONAL MEMBER SERVICE. 7 7 572 9 443572 0 0 0 154621410 178865858 12627694 15926588 0 3011354 167249104 197803800 530316 534171 0 0 38655262 43073627 0 0 0 96136465 119549204 135322043 163157002 31927061 34646798 3175081404 3414009337 2806735313 2996235332 368346091 417774005 THE MISSION OF OUR CREDIT UNION IS TO RESPOND TO THE NEEDS OF THE MEMBERSHIP BY OFFERING THE BEST FINANCIAL SERVICES. OUR CREDIT UNION IS A NOT-FOR-PROFIT SERVICE ORGANIZATION WHICH MAINTAINS A STRONG FINANCIAL FOUNDATION. 0 0 INCOME FROM THE CREDIT UNION MEMBERSHIP AND INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 1 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 0 0 1 45827 0 1 572 1 1 1 0 0 0 0 0 1 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X GABE HAMLETT 3523359090 14007 NW 1ST ROAD JONESVILLE FL 32669 RUBEN RAMOS DIRECTOR 5.00 X 0 0 0 KEITH BIRKETT DIRECTOR 5.00 X 0 0 0 PAULA WELCH CHAIR 5.00 X 0 0 0 PRINCE HINSON SECRETARY/TREASURER 5.00 X 0 0 0 JAY HUTTO VICE CHAIR 5.00 X 0 0 0 ROSE RIVERS BOARD MEMBER 5.00 X 0 0 0 MARK WALDORFF DIRECTOR 5.00 X 0 0 0 JERRY W BENTON CEO 40.00 X 1514797 0 260990 GABRIEL W HAMLETT CHIEF LEGAL OFFICER 40.00 X 781913 0 111342 JILL E HARPER CHIEF HR OFFICER 40.00 X 1226171 0 100904 JENNIFER L HUNT CFO 40.00 X 706608 0 107410 MICHAEL ROSS JONES CHIEF LENDING OFFICER 40.00 X 445746 0 112391 JEFFERY A THIEMAN COO 40.00 X 682851 0 113604 TARIN ACARON VP OF MARKETING 40.00 X 181578 0 33980 DAVID BARBER VP COMMERCIAL LENDING 40.00 X 254377 0 48152 TROY BATTLE VP OF PROJECTS/FACILITIES 40.00 X 207363 0 33079 BRIAN FISHER VP TECHNOLOGY SERVICES 40.00 X 259814 0 43913 FREDERICK E HILTON VP OF INVESTMENT SERVICES 40.00 X 224650 0 37526 NICHOLAS HOFFMAN VP OF CONSUMER LENDING 40.00 X 178095 0 23461 PAMELA JOHNSON VP RETAIL OPERATIONS 40.00 X 224616 0 36369 WESTON GALLOP FINANCIAL ADVISOR 40.00 X 241492 0 46892 THOMAS JARVIS DIRECTOR OF COMMERCIAL LEN 40.00 X 281777 0 50758 BRANDON VEGA INFORMATION SECURITY OFFICER 40.00 X 181141 0 21213 MARLON AWUMA FINANCIAL ADVISOR 40.00 X 219693 0 32842 MARY NARAMORE FINANCIAL REPORTING ADMINISTRATOR 40.00 X 164453 0 25697 7977135 0 1240523 60 0 1 0 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 3008084 SCHERER CONSTRUCTION 2504 NW 71 PLACE GAINESVILLE FL 32653 BRANCH CONSTRUCTION 2935220 TRACE3 LLC PO BOX 603915 CHARLOTTE NC 282603915 IT EQUIPMENT, LICENSES, MAINTENANCE 2506092 MASTERCARD 2200 MASTERCARD BLVD OFALLON MO 633587263 CARD PROCESSOR 1775331 JACK HENRY & ASSOC INC PO BOX 609 MONETT MO 65708 CORE IT SOFTWARE 1679923 40 INTEREST ON LOANS 522100 148192429 148192429 FEES/CHARGES 522100 30229857 30229857 FINANCE AND INSURANCE 520000 443572 443572 178865858 15926588 15926588 REDEMPTION OF CLASS B 522100 3011354 3011354 3011354 197803800 197360228 443572 0 X 534171 5739303 26675296 3168786 5190815 2299427 32417 228882 168200 752959 1644598 4407644 8617673 70330538 170055 3763065 430698 PROVISION FOR LOAN LOSS 15285311 LOAN SERVICING 5575853 DEBIT CARD SERVICES 3751177 MISCELLANEOUS 3052355 1337779 163157002 16251663 21910900 153590812 110388946 18538448 35762398 2654965084 2851244739 14499748 26341200 97456570 35991855 56742807 61464715 189070316 233813362 38132981 39289477 33289545 33793600 3175081404 3414009337 41425232 33087001 15000000 30000000 2750310081 2933148331 2806735313 2996235332 X 0 0 0 0 368346091 417774005 368346091 417774005 3175081404 3414009337 X 34646798 5290836 9490280 X X 0 1 X 1 0 8000 8000 8000 1 FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE 3692 COOLIDGE COURT TALLAHASSEE FL 32311 8000 22636621 22636621 51501652 18039110 33462542 3242785 2955128 287657 19673876 14595992 5077884 401636 401625 11 61464715 SHARE DRAFTS 466289588 SHARE AND EQUIVALENTS 797549503 MONEY MARKET ACCOUNTS 278326681 IRA SHARES 29390400 SHARE AND IRA CERTIFICATES 1361592159 2933148331 X 201166035 3362235 3362235 197803800 0 197803800 163157002 0 163157002 0 163157002 PART X, LINE 2: FEDERAL AND STATE TAX EXEMPTION THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. 1 LEARFIELD COMMUNICATIONS LLC 505 HOBBS ROAD JEFFERSON CITY MO 65109 470911648 LLC 136710 0 TO SUPPORT LOCAL COLLEGE ATHLETICS AND BUILD COMMUNITY ENGAGEMENT CHILDREN'S MIRACLE NETWORK PO BOX 100386 GAINESVILLE FL 32610 591943502 501(C)(3) 97111 0 TO SUPPORT CHILDREN'S HEALTH COLLEGE OF CENTRAL FLORIDA FOUNDATION INC 3001 SW COLLEGE RD OCALA FL 34474 596139037 501(C)(3) 57950 0 TO PROVIDE SCHOLARSHIPS AND EDUCATIONAL SUPPORT JUNIOR ACHIEVEMENT OF TAMPA BAY INC 13707 N 22ND ST TAMPA FL 33613 591098499 501(C)(3) 27412 0 TO PROMOTE YOUTH FINANCIAL LITERACY SANTA FE COLLEGE 3000 NW 83RD ST GAINESVILLE FL 32606 591207627 501(C)(3) 25000 0 TO HELP EXPAND ACCESS TO HIGHER EDUCATION KIDS INCORPORATED OF THE BIG BEND 2326 CENTERVILLE RD TALLAHASSEE FL 32308 237411718 501(C)(3) 10000 0 TO SUPPORT EARLY CHILDHOOD AND FAMILIES IN NEED BOSSHARDT CHARITABLE FUND INC 5532 NW 43RD ST GAINESVILLE FL 32653 843104328 501(C)(3) 9300 0 TO SUPPORT PROVIDING AIDS TO LOCAL CHARITABLE INITIATIVES GAINESVILLE SPORTS COMMISSION 4870 CELEBRATION POINTE AVE STE 110 GAINESVILLE FL 32608 592959383 501(C)(4) 9250 0 TO PROMOTE COMMUNITY SPORTS AND EVENTS RONALD MCDONALD HOUSE CHARITIES 1600 SW 14 ST GAINESVILLE FL 32608 591887896 501(C)(3) 7800 0 TO HELP FAMILIES OF SICK CHILDREN UNITED WAY OF NORTH CENTRAL FLORIDA PO BOX 2829 LAKE CITY FL 32056 590808855 501(C)(3) 6938 0 TO SUPPORT WIDE-RANGING COMMUNITY NEEDS THE GRIT FOUNDATION PO BOX 358764 GAINESVILLE FL 32635 822541789 501(C)(3) 5200 0 TO STRENGHT LOCAL SAFETY AND FIRST RESPONDER PROGRAMS STOP CHILDREN'S CANCER 2622 NW 43RD ST STE B3 GAINESVILLE FL 32606 592624901 501(C)(3) 5200 0 TO PROMOTE FUNDS FOR RESEARCH AND SUPPORT FOR PEDIATRIC CANCER 10 2 PART I, LINE 2 THE AMOUNTS PAID TO THE ORGANIZATIONS ARE CONSIDERED DONATIONS, NOT GRANTS, SO THERE IS NO MONITORING. SOME DONATIONS ARE EVENT SPONSORSHIP BASED. X X X 1 1 X X X X 0 1 0 JERRY W BENTON CEO 746275 0 210386 0 558136 0 236886 0 24104 0 1775787 0 496694 0 JILL E HARPER CHIEF HR OFFICER 301997 0 63000 0 861174 0 89500 0 11404 0 1327075 0 785761 0 GABRIEL W HAMLETT CHIEF LEGAL OFFICER 283961 0 63000 0 434952 0 87813 0 23529 0 893255 0 391194 0 JENNIFER L HUNT CFO 348305 0 63000 0 295303 0 89500 0 17910 0 814018 0 245611 0 JEFFERY A THIEMAN COO 360801 0 63000 0 259050 0 89500 0 24104 0 796455 0 211306 0 MICHAEL ROSS JONES CHIEF LENDING OFFICER 253803 0 63000 0 128943 0 89265 0 23126 0 558137 0 81831 0 THOMAS JARVIS DIRECTOR OF COMMERCIAL LEN 153469 0 127505 0 803 0 29018 0 21740 0 332535 0 0 0 BRIAN FISHER VP TECHNOLOGY SERVICES 206967 0 44800 0 8047 0 26044 0 17869 0 303727 0 0 0 DAVID BARBER VP COMMERCIAL LENDING 193264 0 45860 0 15253 0 25904 0 22248 0 302529 0 0 0 WESTON GALLOP FINANCIAL ADVISOR 236009 0 4500 0 983 0 25070 0 21822 0 288384 0 0 0 FREDERICK E HILTON VP OF INVESTMENT SERVICES 179739 0 40078 0 4833 0 22630 0 14896 0 262176 0 0 0 PAMELA JOHNSON VP RETAIL OPERATIONS 178339 0 38001 0 8276 0 20938 0 15431 0 260985 0 0 0 MARLON AWUMA FINANCIAL ADVISOR 213994 0 4500 0 1199 0 22418 0 10424 0 252535 0 0 0 TROY BATTLE VP OF PROJECTS/FACILITIES 158947 0 36943 0 11473 0 11473 0 21606 0 240442 0 0 0 TARIN ACARON VP OF MARKETING 145404 0 33358 0 2816 0 19030 0 14950 0 215558 0 0 0 BRANDON VEGA INFORMATION SECURITY OFFICER 171294 0 4500 0 5347 0 17889 0 3324 0 202354 0 0 0 NICHOLAS HOFFMAN VP OF CONSUMER LENDING 141021 0 33000 0 4074 0 1811 0 21650 0 201556 0 0 0 MARY NARAMORE FINANCIAL REPORTING ADMINISTRATOR 147310 0 4500 0 12643 0 16289 0 9408 0 190150 0 0 0 PART I, LINE 4B J. BENTON $496,694 G. HAMLETT $420,444 J. HARPER $844,261 J. HUNT $274,861 M. JONES $111,081 J. THIEMAN $240,556 THE FOLLOWING EXECUTIVES PARTICIPATED IN THE 457F PLAN. THE FOLLOWING REFLECTS THE DOLLAR AMOUNT THE CREDIT UNION CONTRIBUTED TOWARD EACH EXECUTIVE'S PLAN DURING 2024: J. BENTON $205,886 G. HAMLETT $58,500 J. HARPER $58,500 J. HUNT $58,500 M. JONES $58,500 J. THIEMAN $58,500 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B THE CFO IS RESPONSIBLE FOR THE PREPARATION OF THE RETURN AND USES THE CPA FIRM TO HELP COMPLETE THE FINANCIAL ASPECT OF THE RETURN. THE RETURN IS PRESENTED TO THE CREDIT UNION'S VP OF HR, VP OF OPERATIONS AND TO THE PRESIDENT/CEO. ONCE ALL HAVE COMPLETED THEIR REVIEW AND ANY CORRECTIONS ARE COMPLETED, THE RETURN IS FILED. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION HAS A CODE OF CONDUCT FOR SENIOR MANAGERS, DIRECTORS AND COMMITTEE MEMBERS WHICH REQUIRES THESE INDIVIDUALS TO ANNUALLY DISCLOSE GIFTS AND POTENTIAL CONFLICTS OF INTEREST. SENIOR MANAGERS, DIRECTORS, AND COMMITTEE MEMBERS RECEIVE ANNUAL COMPLIANCE TRAINING AND ARE REQUIRED TO SIGN A STATEMENT OF COMPLIANCE ANNUALLY, WHICH IS REPORTED TO THE AUDIT COMMITTEE AND THE FULL BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 15 CAMPUS USA CREDIT UNION USES COMPANALYST COMPENSATION SOFTWARE FOR MARKET DATA AND THE CUES EXECUTIVE SALARY SURVEY. AN EXECUTIVE COMPENSATION ANALYSIS WAS COMPLETED IN 2024 WITH D. HILTON AND ASSOCIATES. THE CEO'S SALARY IS APPROVED BY THE BOARD OF DIRECTORS, AND THE CEO ALSO APPROVES THE SALARY OF KEY EMPLOYEES. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON WWW.NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART IX, LINE 24E ATM SHARED BRANCHING FEES 520,370. EDUCATION 476,486. PRINTING AND PUBLICATIONS 221,207. AUTOMOBILE EXPENSES 87,672. NCUA INSURANCE PREMIUM ASSESSMENT 32,044. FORM 990, PART XI, LINE 9: NET CHANGE IN DEFINED BENEFIT PLAN 9,490,280. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.