STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2012

View the entire original 990 at ProPublica ↗

Organization: STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-0729366)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-08-07
IRS object ID: 201302199349300530
Schema version: 2012v2.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-08-07T10:24:02-07:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	590729366	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	STATE CHARTERED CREDIT UNIONS IN FLORIDA	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	STAT	NameControl
Phone	7274317311	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 1500	AddressLine1
City	Dunedin	City
State	FL	State
ZIP Code	34697	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Dennis Holthaus	Name
Title	CFO	Title
Phone	7274317315	Phone
Date Signed	2013-08-07	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Address Change	X	AddressChange

Doing Business As DoingBusinessAs

Field	Value	IRS element (for citing)
Business Name Line1	Achieva Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	Gary Regoli	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	PO Box 1500	AddressLine1
City	Dunedin	City
State	FL	State
ZIP Code	34697	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	57928982	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	www.achievacu.com	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1937	YearFormation
State Legal Domicile	FL	StateLegalDomicile
Activity Or Mission Description	Not-for-profit organization State Chartered Credit Union	ActivityOrMissionDescription
Nbr Voting Members Governing Body	10	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	10	NbrIndependentVotingMembers
Total Nbr Employees	0	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	51247361	ProgramServiceRevenuePriorYear
Program Service Revenue CY	51197868	ProgramServiceRevenueCY
Investment Income Prior Year	2252175	InvestmentIncomePriorYear
Investment Income Current Year	4148105	InvestmentIncomeCurrentYear
Other Revenue Prior Year	1269855	OtherRevenuePriorYear
Other Revenue Current Year	2583009	OtherRevenueCurrentYear
Total Revenue Prior Year	54769391	TotalRevenuePriorYear
Total Revenue Current Year	57928982	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	10000	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	10000	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	0	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	16497012	SalariesEtcPriorYear
Salaries Etc Current Year	17634211	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	34534736	OtherExpensePriorYear
Other Expenses Current Year	29732164	OtherExpensesCurrentYear
Total Expenses Prior Year	51041748	TotalExpensesPriorYear
Total Expenses Current Year	47376375	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	3727643	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	10552607	RevenuesLessExpensesCY
Total Assets BOY	967253464	TotalAssetsBOY
Total Assets EOY	986844680	TotalAssetsEOY
Total Liabilities BOY	879293930	TotalLiabilitiesBOY
Total Liabilities EOY	888322897	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	87959534	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	98521783	NetAssetsOrFundBalancesEOY
Mission Description	Not-for-profit organization, State Chartered Credit Union	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	47376375	Expense
Grants	0	Grants
Revenue	57928982	Revenue
Description	Credit Union Financial Services	Description
Total Of Other Program Service Exp	0	TotalOfOtherProgramServiceExp
Total Of Other Program Service Grnt	0	TotalOfOtherProgramServiceGrnt
Total Of Other Program Service Rev	0	TotalOfOtherProgramServiceRev
Total Program Service Expense	47376375	TotalProgramServiceExpense
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Subject To Proxy Tax	0	SubjectToProxyTax
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	1	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	0	ReportFin48Footnote
Independent Audit Financial Stmt	1	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	1	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	1	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	382	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	0	NumberOfEmployees
Unrelated Business Income	0	UnrelatedBusinessIncome
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	10	NbrVotingGoverningBodyMembers
Number Independent Voting Members	10	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	1	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	1	ElectionOfBoardMembers
Decisions Subject To Approval	0	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
States Where Copy Of Return Is Filed	FL	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Dennis Holthaus	NamePerson
Telephone Number	7274317315	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO Box 1500	AddressLine1
City	Dunedin	City
State	FL	State
ZIP Code	34697	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (20 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee	Average Hours Per Week RelatedAverageHoursPerWeekRelated
TD Hawkins
Chairman, Board of Directors	1	X	0	0	0
Linda B Emanuel
Vice Chairman, Board of Directors	1	X	1254	0	0
Trellis Poe
Secretary / Treasurer, Board of Directors	1	X	660	0	0
Tom Oberhofer
Board Member	1	X	0	0	0
Mike Silvernail
Board Member	1	X	1975	0	0
Jack Berthy
Board Member	1	X	0	0	0
Rohland Bryant
Supervisory Committee Chairperson	1	X	0	0	0
Bill Williamson
Board Member	1	X	0	0	0
James Dawson
Board Member	1	X	0	0	0
Janet Cantees
Board Member	1	X	0	0	0
Gary Regoli
President & CEO	50		515075	0	0	X	X
Dennis Holthaus
SVP / CFO	50		246033	0	0	X	X
Tara Murphy
SVP Retail Sales and Service	50		203075	0	0		X
Jeffery Bentley
SVP / CLO	50		151699	0	0		X
John Wintermeier
SVP / CIO	50		215144	0	0		X
Ken Rase
Financial Planning Manager	50		267831	0	0			X
Steve Nordbeck
Financial Planning Manager	50		267305	0	0			X
Tammy Youst
VP Business Lending	50		191640	0	0			X
Andrea Gregor
SVP / Organizational Development	50		152575	0	0			X
Dawn Dixon
SVP / Marketing	50		150281	0	0			X	0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	2364547	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	0	TotalOtherCompensation
Number Individuals GT100 K	14	NumberIndividualsGT100K
Formers Listed	0	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources
Number Of Contractors GT100 K	0	NumberOfContractorsGT100K
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	ExclusionExclusionAmount
Loan Interest	522130	33477875	33477875	$0
Fee Income	522130	8227431	8227431	$0
Interchange Income	522130	7504475	7504475	$0
Commission Income	522130	1988087	1988087	$0

Total Oth Program Service Revenue TotalOthProgramServiceRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Program Service Revenue	51197868	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	3208420	TotalRevenueColumn
Related Or Exempt Function Income	3208420	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Income From Invest Bond Proceeds IncomeFromInvestBondProceeds

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Royalties Revenue RoyaltiesRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Gross Rents GrossRents

Field	Value	IRS element (for citing)
Real	93518	Real
Personal	0	Personal

Less Rental Expenses LessRentalExpenses

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	93518	Real
Personal	0	Personal

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	93518	TotalRevenueColumn
Related Or Exempt Function Income	93518	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	126480	Securities
Other	813205	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	0	Securities
Other	0	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	126480	Securities
Other	813205	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	939685	TotalRevenueColumn
Related Or Exempt Function Income	939685	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Gross Sales Of Inventory	0	GrossSalesOfInventory
Cost Of Goods Sold	0	CostOfGoodsSold

Net Income Or Loss NetIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Other Revenue Misc OtherRevenueMisc (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	ExclusionExclusionAmount
ATM Surcharge	522130	92757	92757	$0
Servicing Income	522130	644347	644347	$0
Miscellaneous Income	522130	1752387	1752387	$0

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Other Revenue	2489491	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	57928982	TotalRevenueColumn
Related Or Exempt Function Income	57928982	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	10000	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	13959847	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	960071	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1556338	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	1157955	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	83918	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	123285	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	525718	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1660625	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	2082355	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	3221898	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2073913	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	96568	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	304635	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	1735679	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	247983	Total

Other Expenses OtherExpenses (4 entries)

DescriptionDescription	TotalTotal
Dividend/Interest Expense	6220236
ATM/Debit Card Expense	3762089
Loan Processing Expense	930490
Prov LL	4149873

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	2512899	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	47376375	Total
Program Services	0	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2663320	BOY
EOY	7903490	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	258953457	BOY
EOY	266988346	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	20000	BOY
EOY	15000	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	598832947	BOY
EOY	625216633	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	1174565	BOY
EOY	1281325	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	53313076	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	23438780	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	27522362	BOY
EOY	29874296	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	31460135	BOY
EOY	9931615	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
BOY	22653372	BOY
EOY	21993441	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	23973306	BOY
EOY	23640534	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	967253464	BOY
EOY	986844680	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	9344033	BOY
EOY	10927540	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	249867	BOY
EOY	604813	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	869700030	BOY
EOY	876790544	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	879293930	BOY
EOY	888322897	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	87959534	BOY
EOY	98521783	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	87959534	BOY
EOY	98521783	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	967253464	BOY
EOY	986844680	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	10552607	ReconcilationRevenueExpenses
Reconciliation Unrealized Invest	9642	ReconciliationUnrealizedInvest
Reconcilation Donated Services	0	ReconcilationDonatedServices
Reconcilation Invest Expenses	0	ReconcilationInvestExpenses
Reconcilation Prior Adjustment	0	ReconcilationPriorAdjustment
Reconcilation Other Changes	0	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	1	FSAudited

FS Audited Basis FSAuditedBasis

Field	Value	IRS element (for citing)
Financial Statement Consolidated	X	FinancialStatementConsolidated

Field	Value	IRS element (for citing)
Audit Committee	1	AuditCommittee
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Agent Trustee Etc	0	AgentTrusteeEtc
Included On FS	1	IncludedOnFS
Explanation In Part XIII	X	ExplanationInPartXIII

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	7305996	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Book Value	7305996	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	27419940	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	8351468	Depreciation
Book Value	19068472	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	0	Depreciation
Book Value	0	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	18265269	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	15087312	Depreciation
Book Value	3177957	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	321871	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	0	Depreciation
Book Value	321871	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	29874296	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	Member Deposit Accounts	Description
Amount	$876,790,544	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	876790544	TotalOfAmounts
Tot Revenue Etc Audited Fincl Stmt	57928982	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	0	NetUnrealizedGainsInvestments
Donated Srvc And Use Of Facilities	0	DonatedSrvcAndUseOfFacilities
Recoveries Of Prior Year Grants	0	RecoveriesOfPriorYearGrants
Other Revenues	0	OtherRevenues
Revenue Not Rptd F990	0	RevenueNotRptdF990
Revenue Subtotal	57928982	RevenueSubtotal
Investment Expenses Not Included	0	InvestmentExpensesNotIncluded
Other Revenues Not Included	0	OtherRevenuesNotIncluded
Revenue Not Rptd On Fin Stmt	0	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	57928982	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	47376375	TotExpensesEtcAuditedFinclStmt
Donated Services Use Of Facilities	0	DonatedServicesUseOfFacilities
Prior Year Adjustments	0	PriorYearAdjustments
Losses Reported	0	LossesReported
Other Expenses Included	0	OtherExpensesIncluded
Expenses Not Rptd F990	0	ExpensesNotRptdF990
Expenses Subtotal	47376375	ExpensesSubtotal
Investment Expenses Not Included2	0	InvestmentExpensesNotIncluded2
Other Expenses Not Included	0	OtherExpensesNotIncluded
Expenses Not Rptd On Fin Stmt	0	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	47376375	TotalExpensesPerForm990

Form990 Schedule D Part XIII Form990ScheduleDPartXIII

Field	Value	IRS element (for citing)
Identifier	SchD_P04_S00_L02b	Identifier
Return Reference	Schedule D, Part IV, Line 2b	ReturnReference
Explanation	Custodian for FNMA escrow and principal and interest payments to be remitted. Achieva Credit Union collects escrow payments for first mortgage loans and in November of each year remits the annual taxes due for escrowed members as well as remitting insurance payments in the month they become due.	Explanation

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Records Maintained	1	RecordsMaintained

Form990 Schedule I Part III Form990ScheduleIPartIII

Field	Value	IRS element (for citing)
Type Of Grant	Scholarships	TypeOfGrant
Number Of Recipients	10	NumberOfRecipients
Amount Of Cash Grant	10000	AmountOfCashGrant
Amount Of Non Cash Assistance	0	AmountOfNonCashAssistance
Method Of Valuation	Book	MethodOfValuation

Form990 Schedule I Part IV Form990ScheduleIPartIV

Field	Value	IRS element (for citing)
Identifier	SchI_P01_S00_L02	Identifier
Return Reference	Schedule I, Part I, Line 2	ReturnReference
Explanation	In 2012 we had 10 $1,000 grants awarded using published criteria for eligibility and selection process.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	1	SeverancePayment
Supplemental Nonqual Retire Plan	0	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (10 entries)

TitleTitle	Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
Gary Regoli
President & CEO	415075	0	100000	0	0	0	59544	0	20460	0	595079	0	0	0
Dennis Holthaus
SVP / CFO	205021	0	41012	0	0	0	41570	0	11617	0	299220	0	0	0
Tara Murphy
SVP Retail Sales and Service	171342	0	31733	0	0	0	33372	0	5674	0	242121	0	0	0
Jeffery Bentley
SVP / CLO	151699	0	0	0	0	0	15823	0	7212	0	174734	0	0	0
Steve Nordbeck
Financial Planning Manager	55826	0	211479	0	0	0	33784	0	14979	0	316068	0	0	0
Ken Rase
Financial Planning Manager	42977	0	224854	0	0	0	33326	0	475	0	301632	0	0	0
John Wintermeier
SVP / CIO	180344	0	34800	0	0	0	28350	0	16839	0	260333	0	0	0
Tammy Youst
VP Business Lending	127623	0	64017	0	0	0	27972	0	5225	0	224837	0	0	0
Andrea Gregor
SVP / Organizational Development	76635	0	12427	0	63513	0	18612	0	5859	0	177046	0	0	0
Dawn Dixon
SVP / Marketing	126778	0	23503	0	0	0	8483	0	6430	0	165194	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
SchJ_P01_S00_L01a	Schedule J, Part I, Line 1a	Items are self explanatory; No additional relevant information is needed.
SchJ_P01_S00_L04	Schedule J, Part I, Line 4	Andrea Gregor (SVP Human Resources) received a severance of $63,513 in 2012.

Schedule L IRS990ScheduleL

Loan Table LoanTable

Field	Value	IRS element (for citing)
Name Person	K Rase	NamePerson
Relationship With Organization	Financial Advisor	RelationshipWithOrganization
Loan From Organization	X	LoanFromOrganization
Original Principal	$25,000	OriginalPrincipalAmount
Balance Due	15000	BalanceDue
Default	0	Default
Approved By Board	0	ApprovedByBoard
Written Agreement	1	WrittenAgreement

Field	Value	IRS element (for citing)
Total Balance Due	15000	TotalBalanceDue

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L04	Form 990, Part VI, Section A, Line 4	The field of membership for Achieva Credit Union was expanded in 2012 to include Lee County, Collier County, and the remainder of Hillsborough County that was not previously included (zip codes 33565, 33566 and 33567).
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	We have members and our current field of membership is as follows: Membership in Achieva Credit Union is limited to individuals, trusts, associations, organizations and legal entities residing or employed in Pinellas, Pasco, Hernando, Manatee, Sarasota, Charlotte, Lee, Collier and Hillsborough Counties, and immediate family members of such, defined to include parents, children, spouse, or surviving spouse of the member, or any other relative by blood, marriage, or adoption even though such individuals do not reside in the same household with the member; and associations and organizations of such persons and employees of these associations and organizations.
F990_P06_S0A_L07a	Form 990, Part VI, Section A, Line 7a	The Board of Directors Nominating Committee is structured for the purpose of selecting and maintaining effective Directors. The Board of Directors Nominating Committee is organized at the March meeting for each election year and will serve throughout the year until the recommended slate of Directors are presented to the Board of Directors the following March. The committee includes three Directors who are not candidates for re-election that year. Membership in the committee rotates annually using an established schedule so that each Director (regardless of office) will serve one time during each three year period. The committee recommends to the Board of Directors a chairperson, vice-chairperson and secretary/treasurer following the annual meetings at which directors are elected and takes into consideration performance requirements and attendance information in its review of candidates for re-election. The committee recommends to the Board of Directors a slate of candidates to fill anticipated vacancies in March of each year.
F990_P06_S0B_L11b	Form 990, Part VI, Section B, Line 11b	This return is prepared by subject matter experts, and reviewed by the Accounting Controller and Chief Financial Officer of Achieva Credit Union. The completed 990 was compared to published financial reports for accuracy, and to the prior year's return for reasonableness.
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	All volunteers are required to sign an agreement stating that they will not knowingly take any action or make any statement intended to influence the conduct of Achieva Credit Union in such a way to confer any financial benefit on such volunteers, their immediate family members, or any organization in which they or their family members have a personal interest. Board members are required to disclose any potential conflict of interest on any action that comes before the Board of Directors and withdraw from the meeting room during discussion, review, and voting in connection with the matter. The disclosure will be recorded in the minutes of the meeting. Annual disclosures of potential conflicts are filed with the Board of Directors to ensure compliance with our conflict of interest policy, and an internal auditor conducts an annual review of the officials in accordance with statute 657.039 part 1.
F990_P06_S0B_L15	Form 990, Part VI, Section B, Line 15	A salary survey and review and approval by the Board of Directors and Compensation Committee were completed in 2012 to determine the compensation for the CEO. The CEO engages an independent third party to perform a salary survey for Leadership Team members. The CEO uses the survey data to determine each Team member's compensation.
F990_P06_S0C_L19	Form 990, Part VI, Section C, Line 19	Monthly financial statements are posted in the lobbies of our branches, and annual financial reports are provided at our annual member meeting and are also available upon request. The conflict of interest policy and governing documents are not made available to the general public.