2025-11-14T18:05:10-06:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 591517872 ORLANDO CREDIT UNION ORLA 4078353500 945 S ORANGE AVE ORLANDO FL 32806 DEANNA KNIGHT CHIEF FINANCIAL OFFICER 4078353500 2025-11-14 1 0 AUBREY CLEGG P01076395 3052328272 2025-11-14 2024 2025-03-06 01:10:19Z SUZANNE WEINSTEIN 945 S ORANGE AVE ORLANDO FL 32806 23093223 0 2106 X ORLANDOCREDITUNION.ORG X 1936 FL ORLANDO CREDIT UNION WAS FOUNDED ON THE UNIVERSAL CREDIT UNION CREED OF NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE." IT'S WHY OVER 26,000 MEMBERS TURN TO US STILL, MORE THAN 80 YEARS AFTER WE WERE FOUNDED. 7 7 107 10 83220 0 5000 0 21246724 20844260 784118 2239611 0 0 22035842 23083871 4000 0 0 0 7834661 8037501 0 0 0 9555855 13116593 17394516 21154094 4641326 1929777 332163820 385738039 311947116 362910360 20216704 22827679 ORLANDO CREDIT UNION WAS FOUNDED ON THE UNIVERSAL CREDIT UNION CREED OF NOT FOR PROFIT, NOT FOR CHARITY, BUT FOR SERVICE." IT'S WHY OVER 27,000 MEMBERS TURN TO US STILL, MORE THAN 80 YEARS AFTER WE WERE FOUNDED. 0 0 INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE CREDIT UNION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 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 1 0 0 1 3246 0 1 107 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 0 0 X JOHANNA ARROYO-CRUZ CONTROLLER 4078353541 945 S ORANGE AVE ORLANDO FL 32806 ANDREW DILORETO BOD DIRECTOR 0.50 X 0 0 0 CHRIS MCCULLION BOD DIRECTOR 0.50 X 0 0 0 FJ FLYNN BOD VICE CHAIR 0.50 X 0 0 0 GRACE CHEWNING BOD TREASURER 0.50 X 0 0 0 LAWRENCE STRAWN BOD SECRETARY 0.50 X 0 0 0 MARIA NEFF CAULDER BOD DIRECTOR 0.50 X 0 0 0 VINCE PRESTON BOD DIRECTOR 0.50 X 0 0 0 SUZANNE WEINSTEIN PRESIDENT/CEO 50.00 X 426936 0 296203 THOMAS DOBBS CFO 50.00 X 119631 0 13966 VICTOR GONZALEZ VP INFORMATION TECHNOLOGY 50.00 X 210166 0 41190 BRETT CHILDERS VP LENDING 50.00 X 180759 0 34520 DAVID DUNCAN VP MARKETING 50.00 X 177968 0 19661 JACQUELINE RAY VP RETAIL SERVICES 50.00 X 175231 0 38941 TIMOTHY CAHILL COMMERCIAL BUSINESS MANAGER 50.00 X 136736 0 15016 1427427 0 459497 16 0 1 0 VISA USA INC PO BOX 742233 LOS ANGELES CA 900742233 ATM/DEBIT/CREDIT CARD SERVICES 650898 NCR CORPORATION PO BOX 740641 LOS ANGELES CA 90074 SOFTWARE COMPANY 461047 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 FINANCIAL TECHNOLOGY SERVICES 458086 BUSINESS ALLIANCE FINANCIAL SERVICES LL 1500 N 19TH ST SUITE 600 MONROE LA 71201 COMMERICAL LENDING SERVICES 352029 STS GROUP 26700 SUCCESS DRIVE MADISON AL 35756 ALL SECURITY SERVICES 257383 15 LOAN INCOME 522100 15847988 15847988 OTHER INCOME 522100 3623744 3623744 FEES AND CHARGES 522100 1289308 1289308 FINANCE AND INSURANCE 520000 83220 83220 20844260 2243463 2243463 5500 9352 -3852 -3852 -3852 23083871 23000651 83220 0 X 856736 5613653 288751 789353 489008 157702 78568 121457 403343 470023 1614225 578080 51998 4907243 341432 121957 PROVISION LOAN LOSS 1508203 DEBIT CARD 921936 LOAN SERVICING 769014 CREDIT CARD 355907 715505 21154094 4090146 6267692 778429 65176221 55437 184320 263048911 252381773 667217 1033770 16104717 5437081 10700692 10667636 37251188 33602529 3850300 3869365 11721500 12554733 332163820 385738039 4904237 4956427 25000000 35000000 282042879 322953933 311947116 362910360 X 0 0 0 0 20216704 22827679 20216704 22827679 332163820 385738039 X 1929777 315708 365490 X X 0 1 X 1 0 5233083 5233083 7042603 2046552 4996051 275569 275569 0 3553462 3114960 438502 10667636 SAVINGS 114227797 SHARE DRAFT 66449708 SHARE CERTIFICATES 85899675 IRA SHARES 5869218 IRA CERTIFICATES 9015825 MONEY MARKET 41155654 ESCROW 336056 322953933 X 23083871 0 23083871 0 23083871 21154094 0 21154094 0 21154094 PART X, LINE 2: 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. X X X 0 1 0 SUZANNE WEINSTEIN PRESIDENT/CEO 352831 0 65105 0 9000 0 275617 0 20586 0 723139 0 0 0 VICTOR GONZALEZ VP INFORMATION TECHNOLOGY 197463 0 12167 0 536 0 12643 0 28547 0 251356 0 0 0 BRETT CHILDERS VP LENDING 167390 0 13125 0 244 0 10830 0 23690 0 215279 0 0 0 JACQUELINE RAY VP RETAIL SERVICES 163647 0 11472 0 112 0 10507 0 28434 0 214172 0 0 0 DAVID DUNCAN VP MARKETING 170944 0 6202 0 822 0 10629 0 9032 0 197629 0 0 0 TIMOTHY CAHILL COMMERCIAL BUSINESS MANAGER 97800 0 37866 0 1070 0 8286 0 6730 0 151752 0 0 0 PART I, LINE 4B THE CEO, SUZANNE WEINSTEIN, PARTICIPATES IN A NON-QUALIFIED 457(F) DEFERRED COMPENSATION PLAN. THE CREDIT UNION ACCRUED APPROXIMATELY $256,000 TOWARD THIS BENEFIT DURING THE YEAR ENDED DECEMBER 31, 2024. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A 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 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 CEO & CONTROLLER WILL REVIEW THE FORM 990 FOR ACCURACY AS COMPARED TO THEIR AVAILABLE SUPPORTING DOCUMENTS. HOWEVER, THEY ARE NOT TAX EXPERTS SO THERE IS A HEAVY RELIANCE ON THE PREPARING PARTY. FORM 990, PART VI, SECTION B, LINE 12C A RELATED PARTY & CODE OF BUSINESS ETHICS FORM IS EMAILED OUT ANNUALLY BY THE HUMAN RESOURCES DEPARTMENT. THEY FOLLOW UP TO ENSURE ALL FORMS ARE SIGNED AND RETURNED. FORM 990, PART VI, SECTION B, LINE 15A EXECUTIVE COMPENSATION IS REVIEWED BY THE COMPENSATION COMMITTEE. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND THE CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE AVAILABLE IN THE FORM OF THE QUARTERLY CALL REPORT ON NCUA.GOV. FORM 990, PART IX, LINE 11G PROFESSIONAL SERVICES 121,457. FORM 990, PART IX, LINE 24E SHARE LOSSES 259,351. HUMAN RESOURCES 114,951. SHARED BRANCHING 86,466. NCUA OPERATING FEE 79,910. ASSOCIATION DUES 69,087. CHECKING 53,520. MISCELLANEOUS 52,739. CASH OVER AND SHORT -519. FORM 990, PART XI, LINE 9: EQUITY ACQUIRED IN MERGER WITH F.R.S.A. CREDIT UNION 365,490. FORM 990, PART XII, LINE 2C: WE HAVE A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR THE OVERSIGHT OF THE AUDIT OF THE FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. OUR PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. ORLANDO CREDIT UNION FOUNDATION INC 945 S ORANGE AVE 410 ORLANDO FL 32806 933618319 FINANCIAL WELLNESS FL 501(C)(3) LINE 10 ORLANDO CREDIT UNION 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0