STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2011
View the entire original 990 at ProPublica ↗
- Organization
- STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-0860768)
- Tax period
- 2011-01-01 to 2011-12-31
- Filed
- 2012-09-24
- IRS object ID
- 201222689349300462
- Schema version
- 2011v1.2
- 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 ReturnHeader
| Field | Value | IRS element (for citing) |
|---|---|---|
| Timestamp | 2012-09-24T11:00:07-05:00 | Timestamp |
| Tax Period End Date | 2011-12-31 | TaxPeriodEndDate |
Preparer Firm PreparerFirm
Preparer Firm Business Name PreparerFirmBusinessName
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | CROWE HORWATH LLP | BusinessNameLine1 |
Preparer Firm US Address PreparerFirmUSAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 70 West Madison Street | AddressLine1 |
| Address Line2 | Suite 700 | AddressLine2 |
| City | Chicago | City |
| State | IL | State |
| ZIP Code | 606024903 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Return Type | 990 | ReturnType |
| Tax Period Begin Date | 2011-01-01 | TaxPeriodBeginDate |
Filer Filer
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN | 590860768 | EIN |
Name Name
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | COMMUNITY CREDIT UNION OF FLORIDA | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Control | COMM | NameControl |
| Phone | 3216902328 | Phone |
US Address USAddress
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
Officer Officer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | DAVID BROCK | Name |
| Title | PRESIDENT/CEO | Title |
| Date Signed | 2012-09-21 | DateSigned |
| Authorize Third Party | true | AuthorizeThirdParty |
Preparer Preparer
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name | kristin ficker | Name |
| PTIN | P01254056 | PTIN |
| Phone | 3128997000 | Phone |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Tax Year | 2011 | TaxYear |
| Build TS | 2016-02-24 21:20:13Z | BuildTS |
Form 990 IRS990
Name Of Principal Officer Business NameOfPrincipalOfficerBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DAVID BROCK | BusinessNameLine1 |
Address Principal Officer US AddressPrincipalOfficerUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Gross Receipts | 23507663 | GrossReceipts |
| Group Return For Affiliates | false | GroupReturnForAffiliates |
| Organization501c | X | Organization501c |
| Web Site | WWW.CCUFLORIDA.ORG | WebSite |
| Type Of Organization Corporation | X | TypeOfOrganizationCorporation |
| Year Formation | 1953 | YearFormation |
| State Legal Domicile | FL | StateLegalDomicile |
| Activity Or Mission Description | COMMUNITY CREDIT UNION OF FLORIDA PROVIDES FINANCIAL SERVICES TO ITS 32,500 MEMBERS. AS OF 12/31/2011, CCU IS SERVICING 17,248 MEMBER LOANS AND HAS A TOTAL OF 66,352 ACTIVE DEPOSIT ACCOUNTS. | ActivityOrMissionDescription |
| Nbr Voting Members Governing Body | 5 | NbrVotingMembersGoverningBody |
| Nbr Independent Voting Members | 5 | NbrIndependentVotingMembers |
| Total Nbr Employees | 96 | TotalNbrEmployees |
| Total Nbr Volunteers | 5 | TotalNbrVolunteers |
| Total Gross UBI | 119654 | 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 | 23966026 | ProgramServiceRevenuePriorYear |
| Program Service Revenue CY | 23202527 | ProgramServiceRevenueCY |
| Investment Income Prior Year | 278463 | InvestmentIncomePriorYear |
| Investment Income Current Year | 288692 | InvestmentIncomeCurrentYear |
| Other Revenue Prior Year | -193645 | OtherRevenuePriorYear |
| Other Revenue Current Year | 16444 | OtherRevenueCurrentYear |
| Total Revenue Prior Year | 24050844 | TotalRevenuePriorYear |
| Total Revenue Current Year | 23507663 | TotalRevenueCurrentYear |
| Grants And Similar Amnts Prior Year | 37746 | GrantsAndSimilarAmntsPriorYear |
| Grants And Similar Amnts CY | 32590 | GrantsAndSimilarAmntsCY |
| Benefits Paid To Members Prior Year | 0 | BenefitsPaidToMembersPriorYear |
| Benefits Paid To Members CY | 0 | BenefitsPaidToMembersCY |
| Salaries Etc Prior Year | 5001316 | SalariesEtcPriorYear |
| Salaries Etc Current Year | 4947874 | 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 | 17472041 | OtherExpensePriorYear |
| Other Expenses Current Year | 15334262 | OtherExpensesCurrentYear |
| Total Expenses Prior Year | 22511103 | TotalExpensesPriorYear |
| Total Expenses Current Year | 20314726 | TotalExpensesCurrentYear |
| Revenues Less Expenses Prior Year | 1539741 | RevenuesLessExpensesPriorYear |
| Revenues Less Expenses CY | 3192937 | RevenuesLessExpensesCY |
| Total Assets BOY | 359966164 | TotalAssetsBOY |
| Total Assets EOY | 383812722 | TotalAssetsEOY |
| Total Liabilities BOY | 328517449 | TotalLiabilitiesBOY |
| Total Liabilities EOY | 349806474 | TotalLiabilitiesEOY |
| Net Assets Or Fund Balances BOY | 31448715 | NetAssetsOrFundBalancesBOY |
| Net Assets Or Fund Balances EOY | 34006248 | NetAssetsOrFundBalancesEOY |
| Info In Schedule O Part III | X | InfoInScheduleOPartIII |
| Mission Description | COMMUNITY CREDIT UNION IS A MEMBER-OWNED, NOT-FOR-PROFIT, FINANCIAL COOPERATIVE FORMED IN 1953 BY LOCAL EDUCATORS. CCU HAS GROWN TO MORE THAN 32,000 MEMBERS. COMMUNITY CREDIT UNION'S MISSION IS TO PROVIDE TIMELY FINANCIAL SERVICES AND EDUCATION TO OUR MEMBERS BY CONSISTENTLY IMPROVING OUR MEMBER'S FINANCIAL KNOWLEDGE AND WELL BEING (CONTINUED ON SCHEDULE O). | MissionDescription |
| Significant New Program Services | false | SignificantNewProgramServices |
| Significant Change | false | SignificantChange |
| Description | LOANS RECEIVABLE. INTEREST EARNED ON 17,248 ACTIVE LOANS. | Description |
Activity2 Activity2
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | OFFER FINANCIAL SERVICES TO 32,500 MEMBERS IN THE FORM OF MONEY ORDERS, TRAVELERS CHECKS, OFFICIAL CHECKS, WIRE TRANSFERS, SAFE DEPOSIT BOXES AND MANY OTHER SERVICES THAT ARE PROVIDED BY THE EMPLOYEES OF COMMUNITY CREDIT UNION OF FLORIDA. | Description |
Activity3 Activity3
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | INVESTMENTS ARE USED AS A MEANS OF EXTRA EARNINGS ON DEPOSITED FUNDS THAT HAVE NOT BEEN UTILIZED FOR ANY LENDING PROGRAMS. ALSO INCLUDES NET LOSS FROM DISPOSITION OF ASSETS. | Description |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Described In501 C3 | false | DescribedIn501C3 |
| Schedule B Required | false | ScheduleBRequired |
| Political Activities | false | PoliticalActivities |
| Lobbying Activities | false | LobbyingActivities |
| 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 | true | 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 | true | IndependentAuditFinancialStmt |
| Consolidated Audit Financial Stmt | false | 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 | true | GrantsToOrganizations |
| Grants To Individuals | false | GrantsToIndividuals |
| Schedule J Required | true | ScheduleJRequired |
| Tax Exempt Bonds | false | TaxExemptBonds |
| Loan To Officer Or DQP | true | 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 | false | DisregardedEntity |
| Related Entity | false | RelatedEntity |
| Related Org Controlled Entity | false | RelatedOrgControlledEntity |
| Transaction Related Entity | false | TransactionRelatedEntity |
| Activities Conducted Partnership | false | ActivitiesConductedPartnership |
| Schedule O Required | true | ScheduleORequired |
| Number Forms Transmitted With1096 | 8778 | NumberFormsTransmittedWith1096 |
| Number W2 G Included | 0 | NumberW2GIncluded |
| Compliance With Backup Witholding | true | ComplianceWithBackupWitholding |
| Number Of Employees | 96 | 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 | 5 | NbrVotingGoverningBodyMembers |
| Number Independent Voting Members | 5 | 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 | true | Form990ProvidedToGoverningBody |
| Conflict Of Interest Policy | false | ConflictOfInterestPolicy |
| Whistleblower Policy | false | WhistleblowerPolicy |
| Document Retention Policy | true | DocumentRetentionPolicy |
| Compensation Process CEO | true | CompensationProcessCEO |
| Compensation Process Other | false | CompensationProcessOther |
| Investment In Joint Venture | false | InvestmentInJointVenture |
| Upon Request | X | UponRequest |
The Books Are In Care Of TheBooksAreInCareOf
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | David O Brock | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Telephone Number | 3216902328 | TelephoneNumber |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 1030 S US Hwy 1 | AddressLine1 |
| City | Rockledge | City |
| State | FL | State |
| ZIP Code | 32955 | ZIPCode |
Form990 Part VII Section A Form990PartVIISectionA (9 entries)
| TitleTitle | Average Hours Per WeekAverageHoursPerWeek | Individual Trustee Or DirectorIndividualTrusteeOrDirector | OfficerOfficer | Reportable Comp From OrganizationReportableCompFromOrganization | Reportable Comp From Related OrgsReportableCompFromRelatedOrgs | Other CompensationOtherCompensation | Highest Compensated EmployeeHighestCompensatedEmployee |
|---|---|---|---|---|---|---|---|
| DORTHA EVERHART | |||||||
| VICE CHAIRMAN OF THE BOARD OF DIRECTORS | 1.00 | X | X | 0 | 0 | 0 | |
| HENRY KELLEY | |||||||
| CHAIRMAN OF THE BOARD OF DIRECTORS | 1.00 | X | X | 0 | 0 | 0 | |
| LINDA DALE | |||||||
| SECRETARY/TREASURER OF BOARD | 1.00 | X | X | 0 | 0 | 0 | |
| BETTY DUNN | |||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | ||
| JAMES PLATMAN | |||||||
| DIRECTOR | 1.00 | X | 0 | 0 | 0 | ||
| DAVID O BROCK | |||||||
| PRESIDENT/CEO | 50.00 | X | 343861 | 0 | 20852 | ||
| JAMES CHASTAIN | |||||||
| VP OF COMMERCIAL SERVICES | 50.00 | 101018 | 0 | 8354 | X | ||
| LAURIE CAPPELLI | |||||||
| SVP OF LENDING | 50.00 | 135262 | 0 | 4223 | X | ||
| LESLI DOOLEY | |||||||
| VP OF ORGANIZATIONAL DEVELOPMENT | 50.00 | 107473 | 0 | 16599 | X | ||
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Reportable Comp From Org | 687614 | TotalReportableCompFromOrg |
| Total Reportable Comp Frm Rltd Orgs | 0 | TotalReportableCompFrmRltdOrgs |
| Total Other Compensation | 50028 | TotalOtherCompensation |
| Number Individuals GT100 K | 4 | NumberIndividualsGT100K |
| Formers Listed | false | FormersListed |
| Total Comp GT150 K | true | TotalCompGT150K |
| Compensation From Other Sources | false | CompensationFromOtherSources |
Contractor Compensation ContractorCompensation (3 entries)
| Address Line1AddressOfContractor/AddressUS/AddressLine1 | CityAddressOfContractor/AddressUS/City | StateAddressOfContractor/AddressUS/State | ZIP CodeAddressOfContractor/AddressUS/ZIPCode | Description Of ServicesDescriptionOfServices | CompensationCompensation |
|---|---|---|---|---|---|
| FISERV | |||||
| 75 REMITTANCE DR SUTE 6974 | CHICAGO | IL | 60675 | DATA PROCESSOR | 381728 |
| DIEBOLD | |||||
| PO BOX 643543 | PITTSBURGH | PA | 15264 | MAINTENANCE OF EQUIPMENT | 244761 |
| DATA MANAGEMENT | |||||
| 3225 JORDAN BV | MALABAR | FL | 32950 | MEMBER STATEMENT PROVIDER | 184597 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Number Of Contractors GT100 K | 3 | NumberOfContractorsGT100K |
| Total Contributions | 0 | TotalContributions |
Program Service Revenue ProgramServiceRevenue (4 entries)
| DescriptionDescription | Business CodeBusinessCode | Total Revenue ColumnTotalRevenueColumn | Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome | Unrelated Business RevenueUnrelatedBusinessRevenue |
|---|---|---|---|---|
| MEMBER LOANS | 522100 | 17961307 | 17961307 | |
| SERVICE CHARGES AND OTHER FEES | 522100 | 3350620 | 3230966 | 119654 |
| INTERCHANGE INCOME | 522100 | 1804122 | 1804122 | |
| GAIN ON SALE OF LOANS | 522100 | 86478 | 86478 |
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 | 23202527 | TotalProgramServiceRevenue |
Investment Income InvestmentIncome
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 288692 | TotalRevenueColumn |
| Exclusion | $288,692 | ExclusionAmount |
Income From Invest Bond Proceeds IncomeFromInvestBondProceeds
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Royalties Revenue RoyaltiesRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Rental Income Or Loss RentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Real | 0 | Real |
| Personal | 0 | Personal |
Net Rental Income Or Loss NetRentalIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Gain Or Loss GainOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Securities | 0 | Securities |
| Other | 0 | Other |
Net Gain Or Loss Investments NetGainOrLossInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Net Income From Fundraising Events NetIncomeFromFundraisingEvents
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Net Income From Gaming NetIncomeFromGaming
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Net Income Or Loss NetIncomeOrLoss
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 0 | TotalRevenueColumn |
Other Revenue Misc OtherRevenueMisc
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MISCELLANEOUS INCOME | Description |
| Business Code | 900099 | BusinessCode |
| Total Revenue Column | 16444 | TotalRevenueColumn |
| Related Or Exempt Function Income | 16444 | RelatedOrExemptFunctionIncome |
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 | 16444 | TotalOtherRevenue |
Total Revenue TotalRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Revenue Column | 23507663 | TotalRevenueColumn |
| Related Or Exempt Function Income | 23099317 | RelatedOrExemptFunctionIncome |
| Unrelated Business Revenue | 119654 | UnrelatedBusinessRevenue |
| Exclusion | $288,692 | ExclusionAmount |
Grants To Domestic Orgs GrantsToDomesticOrgs
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 32590 | 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 | 364713 | Total |
Other Salaries And Wages OtherSalariesAndWages
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 3411550 | Total |
Pension Plan Contributions PensionPlanContributions
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 87337 | Total |
Other Employee Benefits OtherEmployeeBenefits
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 758268 | Total |
Payroll Taxes PayrollTaxes
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 326006 | Total |
Fees For Services Legal FeesForServicesLegal
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 42733 | Total |
Fees For Services Accounting FeesForServicesAccounting
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 74529 | Total |
Fees For Services Prof Fundraising FeesForServicesProfFundraising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 0 | Total |
Fees For Services Other FeesForServicesOther
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 905563 | Total |
Advertising Advertising
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 454363 | Total |
Office Expenses OfficeExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 698230 | Total |
Information Technology InformationTechnology
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 9468 | Total |
Occupancy Occupancy
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 639604 | Total |
Travel Travel
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 146216 | Total |
Conferences Meetings ConferencesMeetings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 14421 | Total |
Interest Interest
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 2004604 | Total |
Depreciation Depletion DepreciationDepletion
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 547105 | Total |
Insurance Insurance
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 806415 | Total |
Other Expenses OtherExpenses (4 entries)
| DescriptionDescription | TotalTotal |
|---|---|
| PROVISION FOR LOAN LOSS | 5771500 |
| RECORDING/COLLECTION/CREDIT CARD FEES | 739594 |
| ATM/CREDIT CARD/SERVICE CHARGES | 609574 |
| INTERCHANGE AND LOAN EXPENSES | 656121 |
All Other Expenses AllOtherExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 1214222 | Total |
| Program Services | 0 | ProgramServices |
| Management And General | 0 | ManagementAndGeneral |
| Fundraising | 0 | Fundraising |
Total Functional Expenses TotalFunctionalExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total | 20314726 | 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 | 2826437 | BOY |
| EOY | 3976269 | EOY |
Savings And Temp Cash Investments SavingsAndTempCashInvestments
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 77533927 | BOY |
| EOY | 60276390 | EOY |
Receivables From Officers Etc ReceivablesFromOfficersEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1511598 | BOY |
| EOY | 750456 | EOY |
Other Notes Loans Receivable Net OtherNotesLoansReceivableNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 259447138 | BOY |
| EOY | 271398772 | EOY |
Inventories For Sale Or Use InventoriesForSaleOrUse
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 5473095 | BOY |
| EOY | 6325903 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Land Buildings Equipment Basis | 16740442 | LandBuildingsEquipmentBasis |
| Land Bldg Equipment Accum Deprec | 7688912 | LandBldgEquipmentAccumDeprec |
Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 8855353 | BOY |
| EOY | 9051530 | EOY |
Investments Other Securities InvestmentsOtherSecurities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 787232 | BOY |
| EOY | 29832041 | 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 | 0 | BOY |
Other Assets Total OtherAssetsTotal
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 3531384 | BOY |
| EOY | 2201361 | EOY |
Total Assets TotalAssets
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 359966164 | BOY |
| EOY | 383812722 | EOY |
Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 1662213 | BOY |
| EOY | 2384834 | EOY |
Grants Payable GrantsPayable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Deferred Revenue DeferredRevenue
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Tax Exempt Bond Liabilities TaxExemptBondLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Escrow Account Liability EscrowAccountLiability
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Loans From Officers Directors LoansFromOfficersDirectors
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Unsecured Notes Loans Payable UnsecuredNotesLoansPayable
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 326855236 | BOY |
| EOY | 347421640 | EOY |
Total Liabilities TotalLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 328517449 | BOY |
| EOY | 349806474 | 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 |
Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 0 | BOY |
Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 31448715 | BOY |
| EOY | 34006248 | EOY |
Total Net Assets Fund Balances TotalNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 31448715 | BOY |
| EOY | 34006248 | EOY |
Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances
| Field | Value | IRS element (for citing) |
|---|---|---|
| BOY | 359966164 | BOY |
| EOY | 383812722 | EOY |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Info In Schedule O Part XI | X | InfoInScheduleOPartXI |
| Reconcilation Revenue Expenses | 3192937 | ReconcilationRevenueExpenses |
| Reconcilation Other Changes | -635404 | ReconcilationOtherChanges |
| Method Of Accounting Accrual | X | MethodOfAccountingAccrual |
| Accountant Compile Or Review | false | AccountantCompileOrReview |
| FS Audited | true | FSAudited |
| Audit Committee | true | AuditCommittee |
| Financial Statement Separate | X | FinancialStatementSeparate |
| Federal Grant Audit Required | false | FederalGrantAuditRequired |
Schedule D IRS990ScheduleD
Land Land
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 3296641 | OtherCostOrOtherBasis |
| Book Value | 3296641 | BookValue |
Buildings Buildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 7278818 | OtherCostOrOtherBasis |
| Depreciation | 2170541 | Depreciation |
| Book Value | 5108277 | BookValue |
Leasehold Improvements LeaseholdImprovements
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 230250 | OtherCostOrOtherBasis |
| Depreciation | 227866 | Depreciation |
| Book Value | 2384 | BookValue |
Equipment Equipment
| Field | Value | IRS element (for citing) |
|---|---|---|
| Other Cost Or Other Basis | 5934733 | OtherCostOrOtherBasis |
| Depreciation | 5290505 | Depreciation |
| Book Value | 644228 | BookValue |
Other Land Buildings OtherLandBuildings
| Field | Value | IRS element (for citing) |
|---|---|---|
| Book Value | 0 | BookValue |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Land Buildings | 9051530 | TotalOfBookValueLandBuildings |
Financial Derivatives FinancialDerivatives
| Field | Value | IRS element (for citing) |
|---|---|---|
| Book Value | 0 | BookValue |
Closely Held Equity Interests CloselyHeldEquityInterests
| Field | Value | IRS element (for citing) |
|---|---|---|
| Book Value | 0 | BookValue |
Other Securities OtherSecurities (3 entries)
| DescriptionDescription | Book ValueBookValue | Method Of ValuationMethodOfValuation |
|---|---|---|
| FHLB STOCK ACCOUNT | 697470 | F |
| CU 24 ATM NETWORK | 94271 | F |
| GOVERNMENT AGENCIES | 29040300 | F |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Book Value Securities | 29832041 | TotalOfBookValueSecurities |
| Federal Income Tax Liability | 0 | FederalIncomeTaxLiability |
Other Liabilities OtherLiabilities
| Field | Value | IRS element (for citing) |
|---|---|---|
| Description | MEMBERS' SHARES | Description |
| Amount | $347,421,640 | Amount |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Of Amounts | 347421640 | TotalOfAmounts |
| Total Revenue | 23507663 | TotalRevenue |
| Total Expenses | 20314726 | TotalExpenses |
| Excess Or Deficit For Year | 3192937 | ExcessOrDeficitForYear |
| Other | -$635,404 | OtherAmount |
| Total Adjustments | -635404 | TotalAdjustments |
| Excess Or Deficit Per FS | 2557533 | ExcessOrDeficitPerFS |
| Tot Revenue Etc Audited Fincl Stmt | 23133629 | TotRevenueEtcAuditedFinclStmt |
| Other Revenues | -374034 | OtherRevenues |
| Revenue Not Rptd F990 | -374034 | RevenueNotRptdF990 |
| Revenue Subtotal | 23507663 | RevenueSubtotal |
| Other Revenues Not Included | 0 | OtherRevenuesNotIncluded |
| Revenue Not Rptd On Fin Stmt | 0 | RevenueNotRptdOnFinStmt |
| Total Revenue Per Form990 | 23507663 | TotalRevenuePerForm990 |
| Tot Expenses Etc Audited Fincl Stmt | 19940692 | TotExpensesEtcAuditedFinclStmt |
| Other Expenses Included | 0 | OtherExpensesIncluded |
| Expenses Not Rptd F990 | 0 | ExpensesNotRptdF990 |
| Expenses Subtotal | 19940692 | ExpensesSubtotal |
| Other Expenses Not Included | 374034 | OtherExpensesNotIncluded |
| Expenses Not Rptd On Fin Stmt | 374034 | ExpensesNotRptdOnFinStmt |
| Total Expenses Per Form990 | 20314726 | TotalExpensesPerForm990 |
Form990 Schedule D Part XIV Form990ScheduleDPartXIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | FIN 48 (ASC 740) footnote | Identifier |
| Return Reference | Schedule D, Part X, Line 2 | ReturnReference |
| Explanation | THE CREDIT UNION IS EXEMPT BY STATUE FROM FEDERAL AND STATE INCOME TAXES. THE INTERNAL REVENUE SERVICE AND CERTAIN STATE TAXING AUTHORITIES ARE CURRENTLY REVISITING WHAT, IF ANY, PRODUCTS AND SERVICES PROVIDED BY STATE CHARTERED CREDIT UNIONS OR THEIR CREDIT UNION SERVICE ORGANIZATIONS ARE SUBJECT TO UNRELATED BUSINESS INCOME TAX ("UBIT"). THERE IS CURRENTLY VERY LITTLE GUIDANCE IN THE IRS CODE ON WHAT ACTIVITIES SHOULD BE SUBJECT TO UBIT. THE IRS HAS RECENTLY ISSUED CERTAIN TECHNICAL ADVICE MEMORANDUMS IDENTIFYING CERTAIN ACTIVITIES AS BEING SUBJECT TO UBIT. AS A RESULT, AT THIS TIME THERE IS UNCERTAINTY REGARDING WHETHER STATE CHARTERED CREDIT UNIONS SHOULD PAY INCOME TAX ON CERTAIN TYPES OF NET TAXABLE INCOME FROM ACTIVITIES THAT MAY BE CONSIDERED BY TAXING AUTHORITIES AS UNRELATED TO THE PURPOSE FOR WHICH CREDIT UNIONS WERE GRANTED NON-TAXABLE STATUS. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES DEEMED UNRELATED TO THE CREDIT UNION'S NON-TAXABLE STATUS IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON FINANCIAL POSITION OR RESULTS OF OPERATIONS. A TAX POSITION, INCLUDING THE POSITION THAT THE CREDIT UNION IS NOT SUBJECT TO INCOME TAXES, IS RECOGNIZED AS A BENEFIT ONLY IF IT IS "MORE LIKELY THAN NOT" THAT THE TAX POSITION WOULD BE SUSTAINED IN A TAX EXAMINATION, WITH A TAX EXAMINATION BEING PRESUMED TO OCCUR. | Explanation |
Schedule I IRS990ScheduleI
| Field | Value | IRS element (for citing) |
|---|---|---|
| Records Maintained | true | RecordsMaintained |
Recipient Table RecipientTable
Recipient Name Business RecipientNameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | BREVARD SCHOOLS FOUNDATION INC | BusinessNameLine1 |
Address US AddressUS
| Field | Value | IRS element (for citing) |
|---|---|---|
| Address Line1 | 2700 JUDGE FRAN JAMIESON WAY | AddressLine1 |
| City | VIERA | City |
| State | FL | State |
| ZIP Code | 32940 | ZIPCode |
| Field | Value | IRS element (for citing) |
|---|---|---|
| EIN Of Recipient | 592895155 | EINOfRecipient |
| IRC Section | 501(C)(3) | IRCSection |
| Amount Of Cash Grant | 32590 | AmountOfCashGrant |
| Amount Of Non Cash Assistance | 0 | AmountOfNonCashAssistance |
| Method Of Valuation | N/A | MethodOfValuation |
| Description Of Non Cash Assistance | N/A | DescriptionOfNonCashAssistance |
| Purpose Of Grant | FUND EDUCATION | PurposeOfGrant |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Nbr Of501 C3 And Govt Grants | 1 | TotalNbrOf501C3AndGovtGrants |
| Total Nbr Of Other Organizations | 0 | TotalNbrOfOtherOrganizations |
Form990 Schedule I Part IV Form990ScheduleIPartIV
| Field | Value | IRS element (for citing) |
|---|---|---|
| Identifier | Procedures for monitoring use of grant funds | Identifier |
| Return Reference | Schedule I, Part I, Line 2 | ReturnReference |
| Explanation | THE CREDIT UNION DONATES FUNDS TO CHARITABLE ORGANIZATIONS WITHIN OUR FIELD OF MEMBERSHIP, THE ANNUAL BUDGETING PROCESS IS WHEN THE EXECUTIVE TEAM LOOKS AT REQUESTS AND FINANLIZES THE AMOUNT TO BE ALLOCATED FOR DONATIONS FOR THE UPCOMING YEAR. THE CU DONATES FOR SPECIFIC CHARITABLE EVENTS, WITH THE CHECK BEING SUBMITTED TO THE EVENT REPRESENTATIVE. THESE FUNDS ARE TRACKED ON AN ANNUAL BASIS BY THE MARKETING DEPARTMENT. | Explanation |
Schedule J IRS990ScheduleJ
| Field | Value | IRS element (for citing) |
|---|---|---|
| Travel For Companions | X | TravelForCompanions |
| Written Policy Re T And E Expenses | true | WrittenPolicyReTAndEExpenses |
| Substantiation Required | true | SubstantiationRequired |
| Compensation Committee | X | CompensationCommittee |
| Written Employment Contract | X | WrittenEmploymentContract |
| Compensation Survey | X | CompensationSurvey |
| Board Or Committee Approval | X | BoardOrCommitteeApproval |
| Severance Payment | false | SeverancePayment |
| Supplemental Nonqual Retire Plan | true | SupplementalNonqualRetirePlan |
| Equity Based Comp Arrangement | false | EquityBasedCompArrangement |
Form990 Schedule J Part II Form990ScheduleJPartII
| Field | Value | IRS element (for citing) |
|---|---|---|
| Name Person | DAVID O BROCK | NamePerson |
| Base Compensation Filing Org | 318614 | BaseCompensationFilingOrg |
| Comp Based On Related Orgs | 0 | CompBasedOnRelatedOrgs |
| Bonus Filing Org | 16460 | BonusFilingOrg |
| Bonus Related Orgs | 0 | BonusRelatedOrgs |
| Other Compensation Filing Org | 8787 | OtherCompensationFilingOrg |
| Other Compensation Related Orgs | 0 | OtherCompensationRelatedOrgs |
| Deferred Comp Filing Org | 2603 | DeferredCompFilingOrg |
| Deferred Comp Related Orgs | 0 | DeferredCompRelatedOrgs |
| Nontaxable Benefits Filing Org | 18249 | NontaxableBenefitsFilingOrg |
| Nontaxable Benefits Related Orgs | 0 | NontaxableBenefitsRelatedOrgs |
| Total Compensation Filing Org | 364713 | TotalCompensationFilingOrg |
| Total Compensation Related Orgs | 0 | TotalCompensationRelatedOrgs |
| Comp Report Prior990 Filing Org | 0 | CompReportPrior990FilingOrg |
| Comp Report Prior990 Related Orgs | 0 | CompReportPrior990RelatedOrgs |
Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| Travel for companions | Schedule J, Part I, Line 1a | THE CEO RECEIVED BOARD APPROVAL FOR REIMBURSEMENT OF TRAVEL EXPENSES FOR SPOUSE WHEN ACCOMPANYING CEO ON CREDIT UNION TRAVEL. |
| Supplemental nonqualified retirement plan | Schedule J, Part I, Line 4b | DAVID BROCK RECEIVED $2,602.95 FROM HIS PARTICIPATION IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN. |
Schedule L IRS990ScheduleL
Loan Table LoanTable
Name Business NameBusiness
| Field | Value | IRS element (for citing) |
|---|---|---|
| Business Name Line1 | DAVID O BROCK | BusinessNameLine1 |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Purpose Of Loan | SPLIT DOLLAR LIFE | PurposeOfLoan |
| Loan From Organization | X | LoanFromOrganization |
| Original Principal | $750,456 | OriginalPrincipalAmount |
| Balance Due | 762785 | BalanceDue |
| Default | false | Default |
| Approved By Board | true | ApprovedByBoard |
| Written Agreement | true | WrittenAgreement |
| Field | Value | IRS element (for citing) |
|---|---|---|
| Total Balance Due | 762785 | TotalBalanceDue |
Schedule O IRS990ScheduleO
General Explanation GeneralExplanation (9 entries)
| IdentifierIdentifier | Return ReferenceReturnReference | ExplanationExplanation |
|---|---|---|
| ORGANIZATION'S MISSION | FORM 990, PART III, LINE 1 | CCU'S BOARDS OF DIRECTORS ARE ALL UNPAID VOLUNTEERS, ELECTED BY MEMBERS. FREE SERVICES INCLUDE FINANCEWORKS, BILL PAY, ONLINE/MOBLE BANKING, TEXT BALANCE/TRANSFER AND THE CONVENIENCE OF SATURDAY LOBBY HOURS. CCU ALSO OFFERS ONLINE EDUCATION AND ANONYMOUS COUNSELING THROUGH BALANCE. CCU'S INNOVATIVE LOANS AND MEMBER SOLUTIONS PROGRAM PROVIDE A MEANS TO REWORK DEBT TO KEEP MEMBERS IN THEIR HOMES AND DRIVING THEIR CARS. CCU WORKS HARD TO ENSURE ITS PROFITS ARE REINVESTED BACK INTO THE LOCAL COMMUNITY. OUR LEGACY OF SPONSORING A VARIETY OF ACTIVITIES AND EVENTS IN THE LOCAL COMMUNITY HAS BEEN INSTRUMENTAL IN SUPPORTING LOCAL NON-PROFIT ORGANIZATIONS. |
| Classes of members or stockholders | Form 990, Part VI, Section A, Line 6 | COMMUNITY CREDIT UNION HAS 32,500 ACTIVE MEMBERS AS OF 12/31/2011 |
| Members or stockholders electing members of governing body | Form 990, Part VI, Section A, Line 7a | MEMBERSHIP PARTICIPANTS IN THE ELECTION OF THE BOARD MEMBERS AT THE ANUAL MEETING HELD DURING THE FIRST QUARTER OF EVERY YEAR. |
| Review of form 990 by governing body | Form 990, Part VI, Section B, Line 11b | THE 990 IS PRESENT TO THE BOARD OF DIRECTORS DURING A "SPECIAL SESSION" OF THE MONTHLY BOARD OF DIRECTORS MEETING. A COPY OF THE COMPLETED FORM AND SCHEDULE IS GIVEN TO EACH BOARD MEMBER AND THE PREPARER OF THE FORM GOES OVER THE RETURN, ANSWERING ANY QUESTIONS AS THEY ARE PRESENTED. |
| Process used to establish compensation of top management official | Form 990, Part VI, Section B, Line 15a | THE COMPENSATION OF THE EXECUTIVE OFFICER IS DETERMINED BY THE BOARD OF DIRECTORS ANNUALLY. THE BOARD FIRST CONDUCTS PERFORMANCE REVIEW. COMPENSATION SURVERY STUDY IS COMPLETED. CONTRACT NEGOTIATIONS CONDUCTED BETWEEN CEO AND BOARD. CONTRACT IS DRAWN UP, REVIEWED BY LEGAL, THEN APPROVED AND SIGNED BY THE BOARD. |
| PROCESS TO DETERMINE COMPENSATION | FORM 990, PART VI, LINE 15B | THE ORGANIZATION DOES NOT HAVE OTHER OFFICERS OR KEY EMPLOYEES. THEREFORE, THIS QUESTION IS NOT APPLICABLE AND HAS BEEN ANSWERED "NO" ACCORDING TO THE FORM 990 INSTRUCTIONS. |
| Governing documents, conflict of interest policy and financial statements available to the public | Form 990, Part VI, Section C, Line 19 | GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICIES, AND FINANCIAL STATEMENTS ARE NOT REQUIRED DISCLOSURES PURSUANT TO INTERNAL REVENUE CODE (IRC) SECTION 6104. BUT, THE ORGANIZATION POSTS THE MONTHLY FINANCIAL STATEMENTS IN THE LOBBY OF EACH BRANCH. |
| LOANS TO AND FROM INTETRESTED PERSONS | FORM 990, PART X, LINE 5 | COMMUNITY CREDIT UNION OF FLORIDA DOES NOT HAVE TO COMPLETE SCHEDULE L, PART II PER THE FORM 990 INSTRUCTIONS, "LOANS FROM A CREDIT UNION MADE TO AN INTERESTED PERSON ON THE SAME TERMS AS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION." |
| Other changes in net assets or fund balances | Form 990, Part XI, Line 5 | CHANGE IN PENSION PLAN - -635404; |