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 23-7036269)
Tax period: 2012-01-01 to 2012-12-31
Filed: 2013-06-13
IRS object ID: 201311649349300416
Schema version: 2012v2.2
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 O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2013-06-13T03:47:51-00:00	Timestamp
Tax Period End Date	2012-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ORTH CHAKLER MURNANE AND CO CPAs	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 SW 129 COURT SUITE 201	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	33186	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2012-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	237036269	EIN

Name Name

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

Field	Value	IRS element (for citing)
Name Control	STAT	NameControl
Phone	8506632404	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	303 EAST WASHINGTON STREET	AddressLine1
City	CHATTAHOOCHEE	City
State	FL	State
ZIP Code	32324	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	WILLIAM ENFINGER	Name
Title	PRESIDENTCEO	Title
Date Signed	2013-06-13	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2013-06-13	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2012	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Doing Business As DoingBusinessAs

Field	Value	IRS element (for citing)
Business Name Line1	FOCUS CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	WILLIAM ENFINGER	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	303 E WASHINGTON STREET	AddressLine1
City	CHATTAHOOCHEE	City
State	FL	State
ZIP Code	32324	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	6658345	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2106	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	www.focuscu.org	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1991	YearFormation
State Legal Domicile	FL	StateLegalDomicile
Activity Or Mission Description	FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	45	TotalNbrEmployees
Total Nbr Volunteers	7	TotalNbrVolunteers
Total Gross UBI	46893	TotalGrossUBI
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	6438237	ProgramServiceRevenuePriorYear
Program Service Revenue CY	6055461	ProgramServiceRevenueCY
Investment Income Prior Year	201703	InvestmentIncomePriorYear
Investment Income Current Year	327884	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	6639940	TotalRevenuePriorYear
Total Revenue Current Year	6383345	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1872102	SalariesEtcPriorYear
Salaries Etc Current Year	2055871	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	4423779	OtherExpensePriorYear
Other Expenses Current Year	4342879	OtherExpensesCurrentYear
Total Expenses Prior Year	6295881	TotalExpensesPriorYear
Total Expenses Current Year	6398750	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	344059	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	-15405	RevenuesLessExpensesCY
Total Assets BOY	119689231	TotalAssetsBOY
Total Assets EOY	124915365	TotalAssetsEOY
Total Liabilities BOY	109345849	TotalLiabilitiesBOY
Total Liabilities EOY	115371317	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	10343382	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	9544048	NetAssetsOrFundBalancesEOY
Mission Description	FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	INCOME FROM 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.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	true	ReportFin48Footnote
Independent Audit Financial Stmt	false	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	true	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	false	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	true	DisregardedEntity
Related Entity	true	RelatedEntity
Related Org Controlled Entity	true	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	4454	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	45	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Form990-T Filed	true	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	false	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	WILLIAM ENFINGER	NamePerson
Telephone Number	8506632404	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	303 E WASHINGTON STREET	AddressLine1
City	CHATTAHOOCHEE	City
State	FL	State
ZIP Code	32324	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (10 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Average Hours Per Week RelatedAverageHoursPerWeekRelated	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
EL GARNER
CHAIRMAN	001.00	001.00	X	0	0	0
R PICKENS
V. CHAIRMAN	001.00	001.00	X	0	0	0
JC HARRIS
TREASURER	001.00	001.00	X	0	0	0
D PINSON
SECRETARY	001.00	001.00	X	0	0	0
JT HOLT SR
DIRECTOR/BOD AUDIT COMM	001.00	001.00	X	0	0	0
R SAMMONS
DIRECTOR/BOD AUDIT COMM	001.00	001.00	X	0	0	0
A SHUTES
DIRECTOR/BOD AUDIT COMM	001.00	001.00	X	0	0	0
WC ENFINGER
CEO	040.00	040.00		108960	0	31425	X
AJ JOHNS
EXECUTIVE V. PRESIDENT	040.00	040.00		83382	0	43473	X
VL HOSEY
V/PRES./CONTROLLER	040.00	040.00		72717	0	23926	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	265059	TotalReportableCompFromOrg
Total Other Compensation	98824	TotalOtherCompensation
Number Individuals GT100 K	2	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
CUNA MUTUAL GROUP
PO BOX 2978	MADISON	WI	53701	PENSION/RETIREMENT/401K	350000
UNITED SOLUTIONS COMPANY
PO BOX 5496	TALLAHASSEE	FL	32314	DATA PROCESSOR	543497
WILLIAMS GAUTIER PA
PO BOX 4128	TALLAHASSEE	FL	32315	ATTORNEY	121587
PSCU
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSOR	224335
WH BASS INC
11300 JOHNS CREEK PARKWAY	DULUTH	GA	30097	CONTRACTOR	207884

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	6	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST INCOME FROM LOANS	522100	4240613	4240613
OTHER INCOME	522100	1767955	1767955
UNRELATED BUSINESS INCOME	524298	46893		46893

Field	Value	IRS element (for citing)
Total Program Service Revenue	6055461	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	325847	TotalRevenueColumn
Related Or Exempt Function Income	325847	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	277037	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	275000	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	2037	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	2037	TotalRevenueColumn
Related Or Exempt Function Income	2037	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	6383345	TotalRevenueColumn
Related Or Exempt Function Income	6336452	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	46893	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	363883	Total
Program Services	363883	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	1222007	Total
Program Services	1222007	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	350310	Total
Program Services	350310	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	0	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	119671	Total
Program Services	119671	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	102214	Total
Program Services	102214	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	50400	Total
Program Services	50400	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Field	Value	IRS element (for citing)
Fees For Services Prof Fundraising		FeesForServicesProfFundraising

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	68835	Total
Program Services	68835	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	183881	Total
Program Services	183881	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	0	Total

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	109277	Total
Program Services	109277	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	15416	Total
Program Services	15416	ProgramServices

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	5891	Total
Program Services	5891	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	816036	Total
Program Services	816036	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	202382	Total
Program Services	202382	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	462203	Total
Program Services	462203	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	2326344	Total
Program Services	2326344	ProgramServices

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	6398750	Total
Program Services	6398750	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1988190	BOY
EOY	2073239	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	25389318	BOY
EOY	30472482	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	198921	BOY
EOY	211856	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	77576376	BOY
EOY	73080705	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	287074	BOY
EOY	97443	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	5942471	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2397091	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3232352	BOY
EOY	3545380	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	8518105	BOY
EOY	11217039	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	742886	BOY
EOY	740686	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1756009	BOY
EOY	3476535	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	119689231	BOY
EOY	124915365	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	837973	BOY
EOY	1530252	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	108507876	BOY
EOY	113841065	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	109345849	BOY
EOY	115371317	EOY

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

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	10343382	BOY
EOY	9544048	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	10343382	BOY
EOY	9544048	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	119689231	BOY
EOY	124915365	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	-15405	ReconcilationRevenueExpenses
Reconcilation Other Changes	-783929	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited

FS Audited Basis FSAuditedBasis

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

Field	Value	IRS element (for citing)
Audit Committee	true	AuditCommittee
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Included On FS	false	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	437701	OtherCostOrOtherBasis
Book Value	437701	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3535271	OtherCostOrOtherBasis
Depreciation	1096322	Depreciation
Book Value	2438949	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1969499	OtherCostOrOtherBasis
Depreciation	1300769	Depreciation
Book Value	668730	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3545380	TotalOfBookValueLandBuildings

Other Securities OtherSecurities (2 entries)

DescriptionDescription
Financial derivatives and other financial products
Closely-held equity interests

Other Liabilities OtherLiabilities (5 entries)

DescriptionDescription	AmountAmount
Federal income taxes
MEMBER SHARE ACCOUNTS	$27,887,091
MEMBER SHARE DRAFT ACCOUNTS	$15,167,747
MEMBER MONEY MARKET ACCOUNTS	$14,401,741
MEMBER CERTIFICATES	$56,384,486

Field	Value	IRS element (for citing)
Total Of Amounts	113841065	TotalOfAmounts
Footnote In Part XIII	X	FootnoteInPartXIII

Form990 Schedule D Part XIII Form990ScheduleDPartXIII

Field	Value	IRS element (for citing)
Identifier	X	Identifier
Return Reference	2	ReturnReference
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE LAWS. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED 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 UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN THE INTERNAL REVENUE CODE IRC SECTION 50414. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNIGN IN MARCH 2008, THE INTERNAL REVENUE SERVICE IRS RELEASED TECHNNICAL ADVICE MEMORANDUMS TAMs TO SPECIFIC STATE-CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITON OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2011, 2010, AND 2009 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.	Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

ExplanationExplanation
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 PARITICIPATE IN THE ELECTION OF OFFICIALS.
Form 990 Part VI Section B Line 11B THE FORM 990 IS REVIEWED BY THE CREDIT UNIONS CEO AND VICE PRESIDENT/CONTROLLER PRIOR TO FILING.
Form 990 Part VI Section B Line 15AB THE REVIEW OF THE CEOS COMPENSATION IS REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS. THE REVIEW CONTAINS A COMPREHENSIVE PERFORMANCE APPRAISAL. ALL SALARY INCREASES ARE BASED ON THE EVALUATION AND THE PERFORMANCE OF THE CREDIT UNION.
Form 990 Part VI Section C Line 19 THE CREDIT UNIONS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON THE NCUAS WEBSITE, VIA THE QUARTERLY 5300 CALL REPORT FILING. THE CREDIT UNION ALSO POSTS THE FINANCIAL STATEMENTS IN THE CREDIT UNION LOBBY.
Form 990 Part XI Line 9 783,929 REPRESENTS AMORTIZATION OF DEFERRED PENSION LOSSES.

Schedule R IRS990ScheduleR

Form990 Schedule R Part I Form990ScheduleRPartI

Name Of Disregarded Entity NameOfDisregardedEntity

Field	Value	IRS element (for citing)
Business Name Line1	1ST MEMBERS INSURANCE GROUP LLC	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 835	AddressLine1
City	CHATTAHOOCHEE	City
State	FL	State
ZIP Code	32324	ZIPCode

Field	Value	IRS element (for citing)
EIN	141925692	EIN
Primary Activities	INSURANCE SERVICES	PrimaryActivities
Legal Domicile State	FL	LegalDomicileState
Total Income	78451	TotalIncome
EOY Assets	70640	EOYAssets

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	FOCUS CREDIT UNION	BusinessNameLine1

Form990 Schedule R Part IV Form990ScheduleRPartIV

Name Of Related Org NameOfRelatedOrg

Field	Value	IRS element (for citing)
Business Name Line1	UNITED SOLUTIONS COMPANY	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 5496	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32314	ZIPCode

Field	Value	IRS element (for citing)
EIN	592285914	EIN
Primary Activity	CREDIT UNION SERVICES	PrimaryActivity
Legal Domicile State	FL	LegalDomicileState
Direct Controlling Entity NA	N/A	DirectControllingEntityNA
Type Of Entity	C Corp	TypeOfEntity
Share Of Total Income	1393608	ShareOfTotalIncome
Share Of EOY Assets	1757206	ShareOfEOYAssets
Percentage Ownership	0.16670	PercentageOwnership
Controlled Org	false	ControlledOrg

Field	Value	IRS element (for citing)
Receipt Of Int Ann Rents Royalties	false	ReceiptOfIntAnnRentsRoyalties
Gift Grant Or Cap Contr To Other Org	false	GiftGrantOrCapContrToOtherOrg
Gift Grant Or Cap Contr Fr Other Org	false	GiftGrantOrCapContrFrOtherOrg
Loans Or Guarantees To Other Org	false	LoansOrGuaranteesToOtherOrg
Loans Or Guarantees From Other Org	false	LoansOrGuaranteesFromOtherOrg
Dividends Related Organization	false	DividendsRelatedOrganization
Sale Of Assets To Other Org	false	SaleOfAssetsToOtherOrg
Purchase Of Assets From Other Org	false	PurchaseOfAssetsFromOtherOrg
Exchange Of Assets	false	ExchangeOfAssets
Rental Of Facilities To Other Orgs	false	RentalOfFacilitiesToOtherOrgs
Rental Of Facilities Fr Other Orgs	false	RentalOfFacilitiesFrOtherOrgs
Perform Of Services For Other Orgs	false	PerformOfServicesForOtherOrgs
Perform Of Services By Other Orgs	false	PerformOfServicesByOtherOrgs
Sharing Of Facilities	false	SharingOfFacilities
Sharing Of Paid Employees	false	SharingOfPaidEmployees
Reimbursement Paid To Other Org	false	ReimbursementPaidToOtherOrg
Reimbursement Paid By Other Org	false	ReimbursementPaidByOtherOrg
Other Transfer To Other Org	false	OtherTransferToOtherOrg
Other Transfer From Other Org	false	OtherTransferFromOtherOrg