2015-08-11T14:01:25-07:00 2014-12-31 990 2014-01-01 591022425 STATE CHARTERED CREDIT UNIONS IN FLORIDA STAT 4073035700 115 Boston Ave STE 2400 Altamonte Springs FL 32701 Adam Neusaenger Accountant 4073035700 2015-08-11 2014 2016-02-25 16:41:14Z John W Martin 115 Boston Ave Suite 2400 Altamonte Springs FL 32701 2194005 0 X www.fhcu.cc X Credit Union 1955 FL Our mission statement is to empower members to achieve their financial goals. Our members include the Florida Hospital employees, Florida Hospital medical staff, Florida Hospital auxilians, employees and retirees of Adventist Health Systems, employees and retirees of Florida conference and southeastern conference of Seventh-Day Adventist, faculty, staff, and students of Adventist University of Health Sciences, Seventh-Day Adventists church members that live, work, or worship in Orange and Seminole Counties and immediate family of existing members. 9 8847 18 13 0 0 0 1996775 1945187 228875 248818 0 0 2225650 2194005 0 0 850054 823545 0 0 1203541 1199111 2053595 2022656 172055 171349 40475128 42144355 36173853 37671731 4301275 4472624 To empower members to achieve their financial goals. 0 0 The credit union did not offer any new programs during 2014. 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 1230 0 18 1 0 0 0 0 0 0 X 9 8847 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 FL X Adam Neusaenger 4073035700 115 Boston Ave STE 2400 Altamonte Springs FL 32701 Patrick Deegan Chair of the Board 0 0 X 0 0 0 Kathy Reep Vice Chair of the Board 0 0 X 0 0 0 Cecil Lowry Treasurer of the Board 0 0 X 0 0 0 Kristin Ulanoff Secretary of the Board 0 0 X 0 0 0 Greg Edris Board Member 0 0 X 0 0 0 Karen Schimpf Board Member 0 0 X 0 0 0 Don Bartlett Board Member 0 0 X 0 0 0 Brad Krygier Board Member 0 0 X 0 0 0 Alric Simmonds Jr Board Member 0 0 X 0 0 0 Danny Myers Supervisory Committee Chair 0 0 X 0 0 0 Bud Hetterle Jr Supervisory Committee 0 0 X 0 0 0 Armando Tagalog Supervisory Committee 0 0 X 0 0 0 Albert Lee Supervisory Committee 0 0 X 0 0 0 Eric Lawson President and CEO 40 0 X X 94500 0 0 94500 0 0 0 0 0 0 0 0 Loan Interest Income 522130 1079606 1079606 0 0 Fees/Charges/Other Income 522130 865581 865581 0 0 0 0 0 0 1945187 248818 248818 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2194005 2194005 0 0 0 0 0 94500 0 612683 34061 24266 58035 15597 29405 3599 79035 311313 37439 2825 6055 87174 69293 39508 Provision for Loan Losses 237932 Loan Servicing Expense 204780 Other Professional Expense 27443 47713 2022656 0 0 0 841221 1144242 0 0 104906 182086 519444 260256 0 0 18241055 18399786 0 18684 21581 1099538 782095 369478 317443 19947849 21375742 0 0 0 432491 443219 40475128 42144355 474212 515293 0 0 0 0 0 0 0 0 0 0 0 0 0 0 35699641 37156438 36173853 37671731 X 1062279 1062279 3238996 3410345 0 0 4301275 4472624 40475128 42144355 171349 0 0 0 0 0 X 1 X 1 X 1 0 0 0 0 0 0 0 0 545171 0 382386 162785 554367 0 399709 154658 0 0 0 0 317443 Member Shares/Clubs/Share Drafts 28978604 Member MMA & Share Certificates 8177834 37156438 KATHRYN REEP VICE CHAIR BOARD OF DIRECTORS HOME EQUITY LINE OF CREDIT X 100000 98208 0 1 1 KATHRYN REEP VICE CHAIR BOARD OF DIRECTORS NEW AUTO X 38306 23198 0 1 1 KAREN SCHIMPF BOARD MEMBER FIRST MORTGAGE X 164903 15680 0 1 1 CECIL LOWRY TREASURER FIRST MORTGAGE X 134500 89792 0 1 1 DONALD BARTLETT BOARD MEMBER USED AUTO X 23368 22458 0 1 1 DONALD BARTLETT BOARD MEMBER PERSONAL LOAN X 19066 10920 0 1 1 260256 Form 990, Part VI, Section A, Line 6 Every person who opens an account with the Credit union deposits $25 is considered a member. Form 990, Part VI, Section A, Line 7a Elections for expiring term board members are held annually at the credit union annual membership meeting during the 1st quarter of each year. Form 990, Part VI, Section B, Line 11b Members can request a copy of the return in writing based on Member Access to Records Policy or can access the return online. Form 990, Part VI, Section B, Line 12c Conflict of Interest Policy: Any Employee, Director or Committee Member from this Credit Union who is offered, receives or anticipates receiving anything of value will disclose it to the Credit Union Supervisory Committee or designated official for this purpose. The Supervisory Committee will keep written records of the disclosures. Annual CPA Audit: Employees are questioned about any conflict of interest and any issues that may arise are turned over from the CPA frim to the Supervisory Committee. Form 990, Part VI, Section B, Line 15 Peer Salary survey data and performance evaluations are used to determine compensation. Compensation is determined and reviewed annually for the CEO by the Board of Directors. Senior Management employees receive annual evaluations by the CEO. Form 990, Part VI, Section C, Line 19 The credit union has Member Access to Records Policy. Requests are made in writing and forwarded to the CEO for review prior to releasing information. Financial States are posted monthly at each branch location and the public has access to review quarterly call report information online at www.NCUA.gov. The Credit Union filed for an extension and it was granted. The new due date was moved till August 15, 2015.