2018-01-31T20:59:28-05:00 2016-12-31 261694946 SCHWARTZ COLE AND ASSOCIATES LLC 11776 W SAMPLE RD STE 106 CORAL SPRINGS FL 330653180 990 2016-01-01 590947735 STATE CHARTERED CREDIT UNIONS OF FL GUARDIANS CREDIT UNION STAT 5616864006 3469 SUMMIT BLVD WEST PALM BEACH FL 33406 JOHN DEESE SEC/TREAS 5616864006 2017-05-15 true DANIEL J COLE P00055998 9547551760 2018-01-31 05F306D322AA9CE035320F44B16AA575BAA07600 08BD273990EA01E5E38543C8FC488B7685EB5954 2016 2021-01-29 14:40:06Z JOHN DEESE 7 DUKE DRIVE LAKE WORTH FL 33460 9582764 false X WWW.GUARDIANSCU.COOP X 1953 FL PBC CREDIT UNION WAS ORGANIZED IN 1953 TO SERVE OUR MEMBERS' FINANCIAL NEEDS. AS A CREDIT UNION, WE OPERATE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE THAT ENCOURAGES THRIFT BY PROVIDING LOANS AT FAIR AND REASONABLE RATES, PAYING COMPETITIVE DIVIDENDS ON SAVINGS PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTENANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED AND OPERATED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS AND OTHER VOLUNTEER COMMITTEES ARE CHOSEN AND STAFFED BY OUR MEMBERS. OUR GOAL IS SIMPLE -- NOT JUST TO MEET, BUT TO EXCEED OUR MEMBERS' EXPECTATIONS IN SERVICING ALL THEIR FINANCIAL NEEDS. 9 8 73 9991 -361 0 8968307 9582764 -15703 -41635 0 8952604 9541129 0 0 3020142 3218107 0 0 4276862 4958296 7297004 8176403 1655600 1364726 132800885 143132291 116544772 125511452 16256113 17620839 X PBC CREDIT UNION WAS ORGANIZED IN 1953 TO SERVE OUR MEMBERS' FINANCIAL NEEDS. AS A CREDIT UNION, WE OPERATE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE THAT ENCOURAGES THRIFT BY PROVIDING LOANS AT FAIR AND REASONABLE RATES, PAYING COMPETITIVE DIVIDENDS ON SAVINGS PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTENANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED AND OPERATED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS AND OTHER VOLUNTEER COMMITTEES ARE CHOSEN AND STAFFED BY OUR MEMBERS. OUR GOAL IS SIMPLE -- NOT JUST TO MEET, BUT TO EXCEED OUR MEMBERS' EXPECTATIONS IN SERVICING ALL THEIR FINANCIAL NEEDS. false false 865046 INCOME FROM INTEREST ON LOANS TO CREDIT UNION MEMBERS IS ONE OF THE PRIMARY MISSIONS OF THE ORGANIZATION. INTEREST IS CHARGED ON THE LOANS TO MEMBERS AT MARKET RATES. 7311357 REVENUE FROM ADMIN FEES IS DERIVED FROM CHARGES TO MEMBERS TO MAINTAIN ACCOUNTS, PROCESS LOANS, AND PROVIDE MANY EXTRA SERVICES TO ITS MEMBERS. INVESTMENTS ARE A VITAL PORTION OF SERVICES PROVIDED TO MEMBERS BY THE CREDIT UNION. THESE INVESTMENTS ALLOW MEMBERS TO SAVE AND INVEST MONEY AND INTEREST AND DIVIDENDS ON THESE SECURITIES ARE PAID AT MARKET RATES. 8176403 false false false false false false false false false true true false false true false false true false false false false false false false false false false false true false false false false false false false false false false false false false false true 1670 0 true 73 true true true false false false false false X 9 8 false false false false true true true true true false true true false true true true true true true true true true X DEANNA FRAME 5616864006 3469 SUMMIT BLVD THE CU PBC WEST PALM BEACH FL 33406 JOHN DEESE SEC/TREAS 45.00 X 552361 0 24000 SHANNON JULIAN DURA ACCOUNTING M 45.00 X X 120170 0 8406 DENNA IRENE FRAME MARKETING MA 45.00 X X 104113 0 3133 JAMES SNELGROVE BOD 5.00 X 0 0 0 STEVE CATALANO BOD 5.00 X 0 0 0 JAMES DAVIS BOD- AUDIT C 5.00 X 0 0 0 WILLA FEARRINGTON BOD 5.00 X 0 0 0 CAROL HEFFNER AUDIT COM. C 5.00 X 0 0 0 RAY C LIGGINS BOD 5.00 X 0 0 0 BRENDAN LYNCH BOD 5.00 X 0 0 0 KEELER SHEPARD AUDIT COMMIT 5.00 X 0 0 0 THOMAS J SHEA CHAIRMAN 5.00 X 0 0 0 HERBERT KAHLERT VICE-CHAIRMA 5.00 X 0 0 0 776644 35539 3 false true false FISERV PO BOX 745148 ATLANTA GA 303745148 DATA PROCESSING 545136 HAMILTON SAFESENTRY 6640 NW 17TH AVE FT LAUDERDALE FL 33309 SAFE MAINT 143593 THE POD ADVERTISMENT 124 MARRIOTT DR SUITE 103 TALLAHASSEE FL 32301 ADVERTISING 124658 KUDULIS REISINGER AND PRICE PO BOX 653 BIRMINGHAM AL 35201 LEGAL SERVICES 105552 4 INT FROM LOANS TO MEMBERS 5428512 5428512 ADMIN-MEMBER SERVICE FEES 4144261 4144261 NON-MEMBER ATM 525990 9991 9991 9582764 41635 -41635 -41635 -41635 9541129 9531138 9991 776644 776644 2441463 2441463 458366 458366 159946 159946 88402 88402 OFFICE OPERATIONS 2596167 2596167 LOAN LOSS PROVISION 720078 720078 LOAN SERVICING 326932 326932 EDUCATIONAL AND PROMOTION 248668 248668 359737 359737 8176403 8176403 0 0 2849692 2362971 29513736 32853129 81348233 83785616 7421844 5071422 2416355 2350422 11261710 15870404 5411159 5909749 132800885 143132291 1798207 2018541 114746565 123492911 116544772 125511452 X 16256113 17620839 16256113 17620839 132800885 143132291 1364726 X false true X true false 659316 659316 2586743 1479605 1107138 4175785 3591817 583968 2350422 CD RATELINE 14940000 CATALYST INVESTMENTS 614871 CENTRAL LIQUIDITY 306465 CATALYST PREMIUM 9068 15870404 MEMBER SHARES 123492911 123492911 X true true X X X X false false false JOHN DEESE SEC/TREAS 552361 24000 576361 FORM 990 - ORGANIZATION'S MISSION PBC CREDIT UNION WAS ORGANIZED IN 1953 TO SERVE OUR MEMBERS' FINANCIAL NEEDS. AS A CREDIT UNION, WE OPERATE AS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE THAT ENCOURAGES THRIFT BY PROVIDING LOANS AT FAIR AND REASONABLE RATES, PAYING COMPETITIVE DIVIDENDS ON SAVINGS PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTENANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED AND OPERATED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS AND OTHER VOLUNTEER COMMITTEES ARE CHOSEN AND STAFFED BY OUR MEMBERS. OUR GOAL IS SIMPLE -- NOT JUST TO MEET, BUT TO EXCEED OUR MEMBERS' EXPECTATIONS IN SERVICING ALL THEIR FINANCIAL NEEDS. FORM 990, PAGE 6, PART VI, LINE 6 ORGANIZATION HAS MEMBERS WHO ARE QUALIFIED THEIR OCCUPATION, AND CHOOSE TO JOIN. FORM 990, PAGE 6, PART VI, LINE 7A YES, MEMBERS ARE ELECTED TO THE BOARD. FORM 990, PAGE 6, PART VI, LINE 7B YES, DECISIONS ARE SUBJECT TO APPROVAL BY MEMBERS. FORM 990, PAGE 6, PART VI, LINE 11B BOARD OF DIRECTORS, AT A REGULARLY SCHEDULED MEETING, WILL REVIEW A COPY OF THE FORM 990. THIS REVIEW MAY TAKE PLACE AFTER FILING. FORM 990, PAGE 6, PART VI, LINE 12C ENFORCEMENT OF CONFLICTS OF POLICY AND INTEREST ARE ENFORCED VIA WRITTEN CONTRACT. FORM 990, PAGE 6, PART VI, LINE 15A YES COMPENSATION FOR CEO IS SUBJECT TO APPROVAL BY BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION FOR OTHER OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL BY CEO AND BOARD OF DIRECTORS. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS AVAILABLE TO MEMBERS UPON REQUEST. FINANCIAL INFORMATION AVAILABLE TO PUBLIC THROUGH NCUA.