2025-11-17T18:13:42-06:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 591283488 TRU FI CREDIT UNION TRUF 9046534426 602 S 6TH STREET MACCLENNY FL 320632608 ANGELA DRURY CEO 9046534426 2025-11-17 0 AUBREY CLEGG P01076395 3052328272 2025-11-17 2024 2025-03-06 01:10:19Z ANGELA DRURY 602 S 6TH STREET MACCLENNY FL 320632608 8747986 0 X WWW.TRUFICU.ORG X 1967 FL TRU-FI IS COMMITTED TO DELIVERING THE PERSONAL TRUSTED SERVICE YOU DESERVE AND STAYING TRUE TO THE CREDIT UNION PHILOSOPHY OF "PEOPLE HELPING PEOPLE!" 7 7 42 13 34525 0 0 0 4872752 7429525 900771 1201675 1891625 63066 7665148 8694266 0 15000 0 0 1991455 2077025 0 0 0 3904378 4946500 5895833 7038525 1769315 1655741 122567643 128522682 111692124 115232939 10875519 13289743 TRU-FI IS COMMITTED TO DELIVERING THE PERSONAL TRUSTED SERVICE YOU DESERVE AND STAYING TRUE TO THE CREDIT UNION PHILOSOPHY OF "PEOPLE HELPING PEOPLE!" 0 0 INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION 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 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 6421 0 1 42 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X TERESA BELL 9046534424 602 S 6TH STREET MACCLENNY FL 32063 MICHAEL GRIFFIS BOD CHAIRPERSON 1.00 X 0 0 0 MICHAEL STOKES BOD VICE CHAIRPERSON 1.00 X 0 0 0 LANCE MCCUBBIN BOD SECRETARY/TREASURER 1.00 X 0 0 0 GEORGE KNABB BOD DIRECTOR 1.00 X 0 0 0 JOEL BARBER BOD DIRECTOR 1.00 X 0 0 0 DONALD HAGAN BOD DIRECTOR 1.00 X 0 0 0 DEANNA DINKINS BOD DIRECTOR/ SUPERVISORY COMMITTEE 1.00 X 0 0 0 AUSTIN GIBSON SUPERVISORY COMMITTEE 1.00 X 0 0 0 ANITA JEFFERSON SUPERVISORY COMMITTEE 1.00 X 0 0 0 LYNETTE HIGHSMITH SUPERVISORY COMMITTEE 1.00 X 0 0 0 BRIAN DOPSON RETIRED BOD DIRECTOR 1.00 X 0 0 0 CYNTHIA BARBER RETIRED SUPERVISORY COMMITTEE 1.00 X 0 0 0 MARIE BELL RETIRED SUPERVISORY COMMITTEE 1.00 X 0 0 0 ANITA CREWS CEO 40.00 X 174291 0 10810 ANGELA DRURY CFO 40.00 X 108104 0 10975 282395 0 21785 2 0 1 0 JACK HENRY PO BOX 609 MONETT MO 65708 CORE PROVIDER 416613 FISERV PO BOX 934057 ATLANTA GA 31193 DB/CR CARD PROCESSOR 319354 VISA 1655 GRANT STREET CONCORD CA 94520 DB/CR CARD PROCESSOR 180543 IVENTURE PO BOX 749658 ATLANTA GA 30374 NETWORK PROVIDER 151359 4 INTEREST FROM LOANS 522100 5533157 5533157 FEES AND CHARGES 522100 1861843 1861843 FINANCE AND INSURANCE 520000 34525 34525 7429525 1224580 1224580 30815 53720 -22905 -22905 -22905 OTHER INCOME 522100 56490 56490 OTHER NON-OPERATING IN 522100 6576 6576 63066 8694266 8659741 34525 0 X 15000 304180 1361274 45368 239795 126408 52098 35825 799996 223384 397904 188269 70269 1674767 189979 81999 LOAN SERVICING 873850 PROVISION FOR LOAN LOSS 257752 MISC EXPENSE 43729 OPERATING FEE 33426 23253 7038525 1192350 1008921 6660983 7223924 516298 192059 74980033 79400056 228400 213269 5144007 4056002 1102348 1088005 33968814 35041233 2765552 2750500 1152865 1604715 122567643 128522682 980398 1016018 55625 166609 110656101 114050312 111692124 115232939 X 0 0 0 0 10875519 13289743 10875519 13289743 122567643 128522682 1655741 758483 0 X X 0 1 X 1 0 527447 527447 1457165 1195700 261465 2943018 2671787 271231 216377 188515 27862 1088005 SHARES 114050312 114050312 X 8694266 0 8694266 0 8694266 7038525 0 7038525 0 7038525 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. 1 SCHOLARSHIPS 15 15000 FORM 990, SCH I, PART I STUDENTS WITH TRU-SAVERS KIDS CLUD SAVINGS ACCOUNTS ARE ELIGIBLE FOR THE TRUFI SCHOLARSHIP UPON HIGH SCHOOL COMPLETION. DURING 2024, THE CREDIT UNION GIFTED $1,000 SCHOLARSHIPS TO 15 HIGH SCHOOL GRADUATES. X X X 0 0 0 ANITA CREWS CEO 150749 0 7701 0 15841 0 3951 0 6859 0 185101 0 0 0 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. EACH MEMBER HAS ONLY ONE VOTE; IT IS NOT POSSIBLE FOR A SINGLE MEMBER TO ELECT A MEMBER TO THE GOVERNING BODY. 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 ANNUAL TAX RETURNS ARE REVIEWED BY OFFICERS AND BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C THE ENFORCEMENT OF CONFLICTS OF INTEREST ARE CARRIED OUT BY THE ORGANIZATION. ANY CONFLICTS OF INTEREST RELATED TO OFFICERS AND DIRECTORS ARE REPORTED TO STATE AS PART OF ANNUAL REGULATORY AUDIT. POLICY IS REVIEWED, COMPLETED AND SIGNED BY EACH EMPLOYEE AND VOLUNTEER ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION REVIEWS OF ALL OFFICERS AND KEY EXECUTIVES ARE PERFORMED AT LEAST ANNUALLY BY HUMAN RESOURCES AND REVIEWED BY THE EXECUTIVE COMMITTEE MADE UP OF BOARD MEMBERS. THE BOARD OF DIRECTORS APPROVES THE CEO'S COMPENSATION AS WELL AS THE COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES WHOSE COMPENSATION IS SET BY THE CEO. EMPLOYMENT COMPENSATION SURVEY IS APPLIED BASED ON ASSET SIZE AND PRODUCTS/SERVICES TO DETERMINE COMPENSATION. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS, BYLAWS AND THE CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE BY REQUEST ONLY. THESE DOCUMENTS ARE PROVIDED IN COPY FORMAT WITHIN REASONABLE TIME FRAMES. THE CREDIT UNION'S QUARTERLY FINANCIAL STATEMENTS ARE AVAILABLE FOR VIEWING ONLINE VIA THE CALL REPORT ON NCUA.GOV. FORM 990, PART IX, LINE 11G OTHER OUTSIDE AND PROFESSIONAL SERVICES 799,996. FORM 990, PART IX, LINE 24E ASSOCIATION DUES 23,253. 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.