2025-10-14T13:48:32-05:00 2024-12-31 994625061 CRI ADVISORS LLC 2633 CENTENNIAL BLVD STE 200 TALLAHASSEE FL 32308 990 2024-01-01 590806310 CHAMPIONS FIRST CREDIT UNION CHAM 8502244960 PO BOX 182499 TALLAHASSEE FL 32318 JENNIFER DURDEN CFO 8502244960 2025-10-07 1 1 MICHAEL C CARTER P00292302 8508788777 2025-10-07 2024 2025-03-06 01:10:19Z X JENNIFER DURDEN 2520 N MONROE ST TALLAHASSEE FL 32303 29524119 0 X WWW.CHAMPIONSFIRST.ORG X CREDIT UNION 1954 FL THE MISSION OF CHAMPIONS FIRST CREDIT UNION IS TO PROMOTE THRIFT, CREATE A SOURCE OF CREDIT AT LEGITIMATE RATES OF INTEREST, AND MAXIMIZE THE FINANCIAL WELL-BEING OF ITS MEMBERS. CHAMPIONS FIRST CREDIT UNION SERVES MORE THAN 34,000 MEMBERS WITH TEN BRANCHES THROUGHOUT TALLAHASSEE AND THE SURROUNDING AREA AS OF 12/31/24. THE CREDIT UNION PROVIDES SECURE ONLINE BANKING, A CONVENIENT MOBILE APP AND A COMPLETE SUITE OF ACCOUNT TYPES, LOANS, AND SERVICES TO MEET EVERY FINANCIAL NEED. 9 9 122 15 270096 0 417926 0 22626855 25988509 1354064 2142246 967662 918392 25366507 29049147 15000 15250 0 0 8260528 8612708 0 0 0 13699355 17371362 21974883 25999320 3391624 3049827 466904354 497356628 422177329 449251200 44727025 48105428 X THE MISSION OF CHAMPIONS FIRST CREDIT UNION IS TO PROMOTE THRIFT, CREATE A SOURCE OF CREDIT AT LEGITIMATE RATES OF INTEREST, AND MAXIMIZE THE FINANCIAL WELL-BEING OF ITS MEMBERS. CHAMPIONS FIRST CREDIT UNION SERVES MORE THAN 34,000 MEMBERS WITH TEN BRANCHES THROUGHOUT TALLAHASSEE AND THE SURROUNDING AREA AS OF 12/31/24. THE CREDIT UNION PROVIDES SECURE ONLINE BANKING, A CONVENIENT MOBILE APP AND A COMPLETE SUITE OF ACCOUNT TYPES, LOANS, AND SERVICES TO MEET EVERY FINANCIAL NEED. 0 0 CONSUMER LOANS - LOANS ARE OFFERED AT FAIR INTEREST RATES THAT ALLOW OUR MEMBERS TO SAVE MONEY ON THEIR LOAN PAYMENTS AND USE THOSE FUNDS ELSEWHERE IN THEIR BUDGETS. THRIFT IS ENCOURAGED WHEN THE MEMBER IS DECIDING WHAT TYPE OF PAYMENT IS AFFORDABLE. DEPOSIT ACCOUNTS - COMPETITIVE DIVIDEND RATES ARE PAID EVEN TO MEMBERS OF MODEST MEANS. THIS HELPS MEMBERS TO BETTER THEIR ECONOMIC POSITIONS AND SAVE FOR THE FUTURE. ELECTRONIC SERVICES - THE CREDIT UNION OFFERS MANY WAYS TO MAKE CONDUCTING FINANCIAL TRANSACTIONS EASY. THESE OPTIONS AFFECT EVERYONE, FROM THE PERSON STILL USING THE PHONE SYSTEM TO TRANSFER MONEY TO THE HI-TECH MEMBER WHO DOES ALL OF THEIR BANKING CONVENIENTLY ON THEIR SMART PHONE. OUR MEMBERS BENEFIT FROM ONLINE BANKING, BILLPAY, ATMS, PHONE SYSTEM, ACCOUNT AGGREGATION SOFTWARE, E-STATEMENTS, E-LERTS, ETC. 0 0 1 0 0 0 0 0 0 1 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 0 1 0 0 1 7277 0 1 122 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 0 1 1 0 0 0 1 1 0 1 1 1 1 0 FL X X CHARLES E ADCOCK III 8502244960 2520 N MONROE STREET TALLAHASSEE FL 32303 JUANITA MOORE DIRECTOR 0.50 X 0 0 0 FRANCIS J FLYNN DIRECTOR THROUGH 4/2024 0.50 X 0 0 0 J RANDY MCCAUSLAND DIRECTOR 0.50 X 0 0 0 PHAEDRA HARRIS DIRECTOR 0.50 X 0 0 0 JOEL MOYE DIRECTOR 0.50 X 0 0 0 HUGH FONES DIRECTOR 0.50 X 0 0 0 DAVID WHITE TREASURER 0.75 X X 0 0 0 DAVE SAGASER VICE-CHAIR 0.75 X X 0 0 0 SHENIFA TAITE SECRETARY 0.50 X X 0 0 0 G STACY SIRMANS CHAIRMAN 1.00 X X 0 0 0 MICHAEL POUCHER VP OF OPERATIONS TO 11/1/2024 40.00 X 149118 0 40394 L GRANT ABBOTT VP OF LENDING AND BUSINESS DEVELOPMENT 32.00 8.00 X 236281 0 55675 CHARLES ADCOCK III PRESIDENT/CEO 39.00 1.00 X 542682 0 60034 JENNIFER DURDEN EVP/CFO 40.00 X 305000 0 60768 DIAMOND POPOUR MANAGER, BUS DEV 40.00 X 125500 0 33468 JESSIE WATSON AVP OF MARKETING AND MEMBE 40.00 X 117366 0 48655 RUSSELL LEVASSEUR IT DIRECTOR 40.00 X 135444 0 5264 CLAYTON SMITH SPECIALIZED LENDING DIRECT 25.00 15.00 X 166350 0 6147 KINSLEY GRANT AVP FINANCE 39.00 1.00 X 116061 0 20599 1893802 0 331004 11 0 1 0 FISERV PO BOX 934057 ATLANTA GA 31193 DATA PROCESSING 913228 MERIDIANLINK INC PO BOX 846822 LOS ANGELES CA 90084 LOAN APPLICATION SOFTWARE 197539 TRUSTAGE PO BOX 4653 CAROL STREAM IL 601974653 INSURANCE 173683 WILLIAMS GAUTIER GWYNN DELOACH AND KI PO BOX 4128 TALLAHASSEE FL 32315 LEGAL SERVICES 154041 SORENSEN VAN LEUVEN LAW FIRM PO BOX 3637 TALLAHASSEE FL 32315 LEGAL SERVICES 139148 7 INTEREST ON LOANS 522291 20447392 20447392 FEE INCOME 522100 3393533 3393533 INTERCHANGE INCOME 522100 1660307 1660307 INSURANCE-RELATED INCOME 522100 487277 487277 25988509 2226392 2226392 390826 474972 -84146 -84146 1243 -85389 MISC OPERATING INCOME 522100 321494 321494 IDRIVE ENVISION INCOME 522100 220477 220477 IMPUTED INTEREST-SPLIT DOLLAR PLA 522100 214725 214725 161696 112077 49619 918392 29049147 28864440 270096 -85389 15250 1449953 5196176 207945 1334928 423706 146103 114050 571575 370128 477986 1306352 443009 86313 7000 8001460 520421 196934 LOAN SERVICING 1964388 PROVISION FOR LOAN LOSS 1651920 DEBIT CARD EXPENSES 856089 MISCELLANEOUS 379999 277635 25999320 3021443 3379715 37211545 53765227 830957 1016630 7092679 7317698 354158962 374934664 1843955 1768177 22525614 4300412 17579460 18225202 38118343 29688455 159245 93918 6887765 7166942 466904354 497356628 4841220 4051237 328166 417336109 444871797 422177329 449251200 X 0 0 0 0 44727025 48105428 44727025 48105428 466904354 497356628 X 3049827 346870 -18294 X X 0 0 0 1810 1810 1810 1 FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE 3692 COOLIDGE COURT TALLAHASSEE FL 32311 591889104 1810 0 0 6356626 6356626 13955141 2731048 11224093 50123 50123 0 2163724 1519241 644483 18225202 CERTIFICATES OF DEPOSIT 2744000 C OTHER SECURITIES 12507068 C OTHER SECURITIES 14437387 F 29688455 MEMBER DEPOSIT ACCOUNTS 431949797 NONMEMBER DEPOSITS 12922000 444871797 X PART X, LINE 2: THE ORGANIZATION UTILIZES THE ACCOUNTING REQUIREMENTS ASSOCIATED WITH UNCERTAINITY IN INCOME TAXES USING THE PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ASC 740, INCOME TAXES. USING THAT GUIDANCE, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS WHEN IT IS MORE-LIKELY-THAN-NOT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. AS OF DECEMBER 31, 2024, THE ORGANIZATION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. 1 SEMINOLE BOOSTERS INC 225 UNIVERSITY CENTER C SUITE C1500 TALLAHASSEE FL 32306 591561180 501(C)(3) 15250 0 TO PROVIDE FUNDING FOR SCHOLARSHIPS FOR STUDENT ATHLETES 1 0 PART I, LINE 2 PROFESSIONAL MONEY MANAGERS CONSERVATIVELY INVEST THE FUNDS OF THE SCHOLARSHIP ENDOWMENT. A COMMITTEE OF EXPERIENCED SEMINOLE BOOSTER SENIOR VOLUNTEERS OVERSEES THE INVESTMENT DECISIONS. X 0 0 X X 0 1 0 CHARLES ADCOCK III PRESIDENT/CEO 427138 0 94761 0 20783 0 17143 0 42891 0 602716 0 0 0 JENNIFER DURDEN EVP/CFO 255108 0 35211 0 14681 0 18146 0 42622 0 365768 0 0 0 L GRANT ABBOTT VP OF LENDING AND BUSINESS DEVELOPME 181005 0 37091 0 18185 0 13571 0 42104 0 291956 0 0 0 MICHAEL POUCHER VP OF OPERATIONS TO 11/1/2024 118074 0 20540 0 10504 0 6828 0 33566 0 189512 0 0 0 CLAYTON SMITH SPECIALIZED LENDING DIRECT 74449 0 9243 0 82658 0 6101 0 46 0 172497 0 0 0 JESSIE WATSON AVP OF MARKETING AND MEMBE 92246 0 15845 0 9275 0 6942 0 41713 0 166021 0 0 0 DIAMOND POPOUR MANAGER, BUS DEV 87877 0 15845 0 21778 0 7646 0 25822 0 158968 0 0 0 PART I, LINE 4B THE CREDIT UNION HAS A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH J. BRADLEY BLAKE, FORMER CEO. THE ANNUAL PREMIUM ON THE POLICY, WHICH WAS PAID IN FULL AS OF APRIL 2017, WAS FUNDED BY THE CREDIT UNION THROUGH A LOAN TO MR. BLAKE. THE IMPUTED INTEREST IS REPORTED ON A FORM 1099 ISSUED TO MR. BLAKE. THE CREDIT UNION HAS A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH CHARLES ADCOCK, III, PRESIDENT/CEO. THE ANNUAL PREMIUM ON THE POLICY, WHICH WAS PAID IN FULL AS OF APRIL 2017, WAS FUNDED BY THE CREDIT UNION THROUGH A LOAN TO MR. ADCOCK. THE IMPUTED INTEREST IS INCLUDED IN MR. ADCOCK'S GROSS WAGES ON FORM W-2. THE CREDIT UNION HAS AN ADDITIONAL COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH CHARLES ADCOCK, III, PRESIDENT/CEO. THE ANNUAL PREMIUM ON THE POLICY IS FUNDED BY THE CREDIT UNION THROUGH A LOAN TO MR. ADCOCK. A LOAN WAS MADE FOR THE ENTIRE AMOUNT AS THE FUNDS ARE HELD WITH THE INSURANCE COMPANY AND ANNUAL PREMIUMS ARE TAKEN FROM THE ACCOUNT AND POSTED TO THE ACTUAL INSURANCE POLICY. THE FIRST ANNUAL PREMIUM WAS PAID IN 2022, WITH EIGHT ANNUAL PREMIUMS CURRENTLY REMAINING. ANY TAXABLE INCOME ASSOCIATED WITH THE PLAN IS REPORTED ON FORM 1099-R. THE CREDIT UNION HAS A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH JENNIFER DURDEN, EVP/CFO. THE ANNUAL PREMIUM ON THE POLICY IS FUNDED BY THE CREDIT UNION THROUGH A LOAN TO MS. DURDEN. A LOAN WAS MADE FOR THE ENTIRE AMOUNT AS THE FUNDS ARE HELD WITH THE INSURANCE COMPANY AND ANNUAL PREMIUMS ARE TAKEN FROM THE ACCOUNT AND POSTED TO THE ACTUAL INSURANCE POLICY. THE FIRST ANNUAL PREMIUM WAS PAID IN 2022, WITH EIGHT ANNUAL PREMIUMS CURRENTLY REMAINING. ANY TAXABLE INCOME ASSOCIATED WTH THE PLAN IS REPORTED ON FORM 1099-R. THE CREDIT UNION HAS A COLLATERAL ASSIGNMENT SPLIT-DOLLAR LIFE INSURANCE ARRANGEMENT WITH LEWIS GRANT ABBOTT, VP OF LENDING AND ADMINISTRATION. THE ANNUAL PREMIUM ON THE POLICY IS FUNDED BY THE CREDIT UNION THROUGH A LOAN TO MR. ABBOTT. THE FIRST ANNUAL PREMIUM WAS PAID IN 2023, WITH NINE ANNUAL PREMIUMS CURRENTLY REMAINING. THE IMPUTED INTEREST IS INCLUDED IN MR. ABBOTT'S GROSS WAGES ON FORM W-2. CHARLES ADCOCK III PRESIDENT/CEO OF ORG TO PAY THE PREMIUMS OF A COLLATERAL ASSIGNMENT SPLIT-DOLLAR PLAN X 800000 800000 0 1 1 CHARLES ADCOCK III PRESIDENT/CEO OF ORG TO PAY THE PREMIUMS OF A COLLATERAL ASSIGNMENT SPLIT-DOLLAR PLAN X 2803816 2982380 0 1 1 LEWIS GRANT ABBOTT VP OF LENDING AND ADMINISTRATION TO PAY THE PREMIUMS OF A COLLATERAL ASSIGNMENT SPLIT-DOLLAR PLAN X 200000 200000 0 1 1 J BRADLEY BLAKE FORMER PRESIDENT/CEO OF ORG TO PAY THE PREMIUMS OF A COLLATERAL ASSIGNMENT SPLIT-DOLLAR PLAN X 850000 850000 0 1 1 JENNIFER G DURDEN EVP/CFO OF ORG TO PAY THE PREMIUMS OF A COLLATERAL ASSIGNMENT SPLIT-DOLLAR PLAN X 2336514 2485318 0 1 1 7317698 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS OWNED BY ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION'S BOARD OF DIRECTORS CONSISTS OF 10 MEMBERS. THE BOARD MEMBERS ARE ELECTED TO VACANT POSITIONS BY THE MEMBERSHIP AT THE ANNUAL MEETING EACH YEAR. THEY ARE ALLOWED TO SERVE THREE THREE-YEAR TERMS AND THEN MUST LEAVE THE BOARD FOR AT LEAST ONE YEAR BEFORE BEING ELIGIBLE TO RUN AGAIN. ELIGIBILITY FOR MEMBERSHIP IN THE CREDIT UNION IS LIMITED TO A FIELD OF PERSONS COMPOSED OF THE FOLLOWING, INCLUDING MEMBERS OF THE IMMEDIATE FAMILY THEREOF: 1. THE FACULTY AND STAFF OF THE FLORIDA STATE UNIVERSITY; 2. GRADUATES WHO LIVE AND/OR WORK IN FRANKLIN, JEFFERSON, LIBERTY, LEON, WAKULLA, AND BAY COUNTIES AND STUDENTS IN GOOD ACADEMIC STANDING OF THE FLORIDA STATE UNIVERSITY; 3. MEMBERS AND EMPLOYEES OF ORGANIZATIONS WHICH ARE PART OF THE FLORIDA STATE UNIVERSITY COMMUNITY; 4. MEMBERS AND EMPLOYEES OF BUSINESSES THAT DO BUSINESS WITH AND/OR HAVE OFFICES AT THE FLORIDA STATE UNIVERSITY; 5. EMPLOYEES AND RESIDENTS OF THE RETIREMENT FACILITY LOCATED AT 100 JOHN KNOX ROAD, TALLAHASSEE, FL 32303; 6. EMPLOYEES OF THE CREDIT UNION; 7. INDIVIDUALS WHO LIVE AND/OR WORK IN LEON, WAKULLA, GADSDEN, OR TAYLOR COUNTY; 8. INDIVIDUALS WHO LIVE AND/OR WORK IN JACKSON, LIBERTY, BAY, GULF, FRANKLIN OR CALHOUN COUNTY (LIMIT OF 2,000 NEW MEMBERS PER YEAR); 9. INDIVIDUALS WHO LIVE AND/OR WORK IN JEFFERSON, WASHINGTON, HOLMES, WALTON, OKALOOSA, SANTA ROSA, OR ESCAMBIA COUNTY (LIMIT OF 2,500 NEW MEMBERS PER YEAR); 10. EMPLOYEES AND RETIREES OF GULF POWER AND SOUTHERN COMPANY; 11. ALL MEMBERS OF GPCE CREDIT UNION AS OF THE EFFECTIVE DATE OF THE MERGER OF GPCE CREDIT UNION INTO, AND WITH, THIS CREDIT UNION; 12. EMPLOYEES OF THE FLORIDA DEPARTMENT OF TRANSPORTATION IN THE TALLAHASSEE AREA; 13. EMPLOYEES OF D.O.T. DISTRICT 2, INCLUDING THOSE EMPLOYEES OF D.O.T. FOR WHICH THEIR HEADQUARTERS ARE LOCATED WITHIN THE BOUNDARIES OF THE D.O.T. DISTRICT 2; 14. EMPLOYEES OF D.O.T. DISTRICT 5, DELAND, WHO WERE MEMBERS OF D.O.T. DISTRICT 2 CREDIT UNION PRIOR TO JULY 1, 1972; 15. STATE, COUNTY AND CITY GOVERNMENT EMPLOYEES IN THE DISTRICT 2 AREA; 16. ANY PERSON PROVIDING CONTRACT EMPLOYEE SERVICES TO THE FLORIDA DEPARTMENT OF TRANSPORTATION IN THE TALLAHASSEE AREA OR DISTRICT 2 THROUGH ADECCO EMPLOYMENT SERVICES, ADVANCED SYSTEM DESIGN, INC., BARKLEY SECURITY AGENCY, INC., COMPUTER AID, MANPOWER, PAUL FARMER SYSTEM SERVICES, PRODUCTIVITY GROUP, SOFTECH ALLIANCE, INC. OR TRI-STATE EMPLOYMENT SERVICES, INC.; 17. ANY PERSON WHO LIVES, WORKS, OR WORSHIPS IN COLUMBIA COUNTY, FLORIDA, WHO DOES NOT OTHERWISE QUALIFY FOR CREDIT UNION MEMBERSHIP (UP TO 500 NEW MEMBERS PER CALENDAR YEAR PURSUANT TO THIS SUBSECTION 17); AND 18. FORMER EMPLOYEES OF THOSE GROUPS AS LISTED IN SUBSECTIONS 12, 13, 14, 15 AND 16 ABOVE. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS PREPARED BY OUR CPA AND THEN REVIEWED BY THE PRESIDENT/CEO AND CFO PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 15 MANAGEMENT IS RESPONSIBLE FOR COORDINATING THE CONTINUING INTERNAL REVIEW OF ALL COMPENSATION AND FOR MAKING SURE THAT EACH JOB IS EVALUATED AND ASSIGNED A JOB GRADE AND SALARY RANGE. A BIANNUAL REVIEW OF PROJECTED LABOR MARKET WAGE/SALARY STRUCTURE WILL BE CONDUCTED. THE PROJECTED LABOR MARKET WAGE/SALARY STRUCTURE CHANGES WILL BE CONSIDERED TO DETERMINE THE WAGE/SALARY RANGES FOR THE FOLLOWING YEAR. SALARIES WILL BE COMPARED TO THOSE PAID FOR SIMILAR WORK AT OTHER CREDIT UNIONS AND ORGANIZATIONS SELECTED AS A BASIS FOR COMPARISON. WAGE/SALARY MIDPOINTS WILL BE ESTABLISHED AS CLOSELY AS POSSIBLE TO REFLECT MARKET CONSENSUS VALUES. THE COMPETITIVE WAGE/SALARY PHILOSOPHY AND THE ORGANIZATIONAL FINANCIAL CONDITION WILL BE USED TO ESTABLISH OVERALL COMPENSATION RANGES. EXEMPT POSITIONS WILL BE COMPARED AGAINST ORGANIZATIONS IN SIMILAR INDUSTRIES WITH HEAVY EMPHASIS ON ASSOCIATIONS AND OTHER ORGANIZATIONS THAT PROVIDE SERVICES TO CREDIT UNIONS. NON-EXEMPT POSITION SALARY LEVELS WILL BE BASED ON A COMPILATION OF DATA FROM THE RELEVANT LOCAL MARKETS. WHEN NEW SALARY RANGES ARE DETERMINED, EMPLOYEES BELOW THE MINIMUM RANGE OF THEIR RANGE WILL BE BROUGHT TO THE MINIMUM ON THE EFFECTIVE DATE OF THE NEW RANGES. EXCEPTIONS TO BRINGING EMPLOYEES TO THE MINIMUM RANGE MUST BE NOTED (I.E. TRAINEE) AND EVERY EFFORT TO BRING THESE INDIVIDUALS TO THE MINIMUM OF THE RANGE SHOULD BE MADE. THE BOARD NEGOTIATES A CONTRACT WITH THE PRESIDENT BASED ON THE SALARY ADMINISTRATION PLAN MENTIONED ABOVE. ALL OTHER EMPLOYEES' SALARIES ARE BASED ON A PAY GRADE AND COMPARABLES USING COMPEASE FOR LIKE INSTITUTIONS. THE PRESIDENT GIVES FINAL APPROVAL FOR EMPLOYEES. FORM 990, PART VI, SECTION C, LINE 18 TAX RETURNS AND OTHER INFORMATION ARE PRESENTED UPON REQUEST. FORM 990 CAN ALSO BE FOUND ON GUIDESTAR.ORG. FORM 990, PART VI, SECTION C, LINE 19 THE CURRENT STATEMENT OF FINANCIAL CONDITION IS DISPLAYED IN THE LOBBY OF EACH BRANCH. THIS STATEMENT, AS WELL AS THE INCOME STATEMENT, ARE PRINTED IN THE ANNUAL REPORT, WHILE SUMMARY DATA IS PRESENTED IN THE QUARTERLY NEWSLETTER. OTHER INFORMATION IS PRESENTED UPON REQUEST. FORM 990, PART XI, LINE 9: IDRIVE LENDING INVESTMENT LOSS -18,292. ROUNDING -2. FORM 990, PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2B CHAMPIONS FIRST CREDIT UNION HAS AN ANNUAL AUDIT CONDUCTED ON A FISCAL YEAR BASIS AT SEPTEMBER 30TH. SINCE THE FORM 990 IS FILED ON A CALENDAR YEAR BASIS, QUESTION 2B IS ANSWERED NO. A RECONCILIATION BETWEEN THE TWO PERIODS WOULD NOT YIELD ANY USEFUL INFORMATION FOR FEDERAL PURPOSES. IDRIVELENDING LLC 2520 N MONROE STREET TALLAHASSEE FL 32303 461603351 INDIRECT LENDING FL RELATED -18292 55205 0 1 0.33300 1 0 0 0 0 0 0 0 0 1 0 1 1 1 1 0 1 0 0 IDRIVELENDING LLC A 30000 CASH