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 23-7036269)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-07-31
IRS object ID: 201232139349300338
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
Form 990
Schedule C
Schedule D
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-07-31T15:09:26-00:00	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	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	2011-01-01	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	VICKY HOSEY	Name
Title	VPCONTROLLER	Title
Phone	8506638404	Phone
Date Signed	2012-07-31	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2012-07-20	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	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	6639940	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	40	TotalNbrEmployees
Total Nbr Volunteers	7	TotalNbrVolunteers
Total Gross UBI	37700	TotalGrossUBI
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	6791627	ProgramServiceRevenuePriorYear
Program Service Revenue CY	6438237	ProgramServiceRevenueCY
Investment Income Prior Year	141337	InvestmentIncomePriorYear
Investment Income Current Year	201703	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	6932964	TotalRevenuePriorYear
Total Revenue Current Year	6639940	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1927036	SalariesEtcPriorYear
Salaries Etc Current Year	1872102	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	4775007	OtherExpensePriorYear
Other Expenses Current Year	4423779	OtherExpensesCurrentYear
Total Expenses Prior Year	6702043	TotalExpensesPriorYear
Total Expenses Current Year	6295881	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	230921	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	344059	RevenuesLessExpensesCY
Total Assets BOY	116632407	TotalAssetsBOY
Total Assets EOY	119689231	TotalAssetsEOY
Total Liabilities BOY	106687899	TotalLiabilitiesBOY
Total Liabilities EOY	109345849	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	9944508	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	10343382	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	true	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	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	4469	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	40	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	OfficerOfficer	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	Individual Trustee Or DirectorIndividualTrusteeOrDirector
WC ENFINGER
CEO	040.00	X	102934	0	29474
BJ DUDLEY
V.CHAIRMAN	001.00		0	0	0	X
DC PINSON
CHAIRMAN	001.00		0	0	0	X
JC HARRIS
TREASURER	001.00		0	0	0	X
R PICKENS
DIRECTOR/BOD AUDIT COMM	001.00		0	0	0	X
JT HOLT SR
DIRECTOR/BOD AUDIT COMM	001.00		0	0	0	X
A SHUTES
DIRECTOR/BOD AUDIT COMM	001.00		0	0	0	X
EL GARNER
SECRETARY	001.00		0	0	0	X
VL HOSEY
V/PRES./CONTROLLER	040.00	X	70782	0	21722
AJ JOHNS
EXECUTIVE V. PRESIDENT	040.00	X	80947	0	35562

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	254663	TotalReportableCompFromOrg
Total Other Compensation	86758	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	303015
UNITED SOLUTIONS COMPANY
PO BOX 5496	TALLAHASSEE	FL	32314	DATA PROCESSOR	462915
CAPITAL HEALTH PLAN
PO BOX 1678	TALLAHASSEE	FL	32302	HEALTH INSURANCE	171999
PSCU
560 CARILLON PARKWAY	ST PETERSBURG	FL	33716	CREDIT CARD PROCESSOR	206933
NCUA
1775 DUKE STREET	ALEXANDRIA	VA	22314	INSURED SHARES	270741

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	4530640	4530640
OTHER INCOME	522100	1869897	1869897
UNRELATED BUSINESS INCOME	524298	37700		37700

Field	Value	IRS element (for citing)
Total Program Service Revenue	6438237	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	201533	TotalRevenueColumn
Related Or Exempt Function Income	201533	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	170	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	170	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	170	TotalRevenueColumn
Related Or Exempt Function Income	170	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	6639940	TotalRevenueColumn
Related Or Exempt Function Income	6602240	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	37700	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	341421	Total
Program Services	341421	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	1120498	Total
Program Services	1120498	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	303015	Total
Program Services	303015	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	0	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	107168	Total
Program Services	107168	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	106027	Total
Program Services	106027	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	50754	Total
Program Services	50754	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	53584	Total
Program Services	53584	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	176503	Total
Program Services	176503	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	110106	Total
Program Services	110106	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	16494	Total
Program Services	16494	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	8987	Total
Program Services	8987	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	1122226	Total
Program Services	1122226	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	212496	Total
Program Services	212496	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	460091	Total
Program Services	460091	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	2106511	Total
Program Services	2106511	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	6295881	Total
Program Services	6295881	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1882930	BOY
EOY	1988190	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	28230261	BOY
EOY	25389318	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	201137	BOY
EOY	198921	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	80344142	BOY
EOY	77576376	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	433039	BOY
EOY	287074	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	5545008	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2312656	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3347921	BOY
EOY	3232352	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
EOY	8518105	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	561186	BOY
EOY	742886	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1631791	BOY
EOY	1756009	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	116632407	BOY
EOY	119689231	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	908071	BOY
EOY	837973	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	105779828	BOY
EOY	108507876	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	106687899	BOY
EOY	109345849	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	9944508	BOY
EOY	10343382	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	9944508	BOY
EOY	10343382	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	116632407	BOY
EOY	119689231	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	344059	ReconcilationRevenueExpenses
Reconcilation Other Changes	54815	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	1105	PoliticalExpenditures
Amt Expended For527 Activities	1105	AmtExpendedFor527Activities
Total Exmpt Function Expenditures	1105	TotalExmptFunctionExpenditures
Form1120 Pol Filed	true	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

Field	Value	IRS element (for citing)
Business Name Line1	FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE (CUPAC)	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	3773 COMMONWEALTH BLVD	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32303	ZIPCode

Field	Value	IRS element (for citing)
EIN	590246163	EIN
Amt Pd From Internal Funds	1105	AmtPdFromInternalFunds

Form990 Schedule C Part IV Form990ScheduleCPartIV

Field	Value	IRS element (for citing)
Identifier	I-A	Identifier
Return Reference	1	ReturnReference
Explanation	FOCUS CREDIT UNION CONTRIBUTES TO THE FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE.	Explanation

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	3510870	OtherCostOrOtherBasis
Depreciation	1002288	Depreciation
Book Value	2508582	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1596437	OtherCostOrOtherBasis
Depreciation	1310368	Depreciation
Book Value	286069	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3232352	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (4 entries)

DescriptionDescription	AmountAmount
MEMBER SHARE ACCOUNTS	$23,737,321
MEMBER SHARE DRAFT ACCOUNTS	$13,448,536
MEMBER MONEY MARKET ACCOUNTS	$12,922,112
MEMBER CERTIFICATES	$58,399,907

Field	Value	IRS element (for citing)
Total Of Amounts	108507876	TotalOfAmounts
Total Revenue	6639940	TotalRevenue
Total Expenses	6295881	TotalExpenses
Excess Or Deficit For Year	344059	ExcessOrDeficitForYear
Net Unrealized GL On Investments	54815	NetUnrealizedGLOnInvestments
Total Adjustments	54815	TotalAdjustments
Excess Or Deficit Per FS	398874	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	6639940	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	6639940	RevenueSubtotal
Total Revenue Per Form990	6639940	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	6295881	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	6295881	ExpensesSubtotal
Total Expenses Per Form990	6295881	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (3 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
X	2	FASB ASC 740-10-25 CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE 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. AS A RESULT OF ADOPTING ASC 740-10-25, THE CREDIT UNION HAS ASSESSED ITS ACTIVITIES AND ANY
X	2 continued...	POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2010, 2009, AND 2008 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS.
X	2 continued...	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.

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE ORGANIZATION HAS MEMBERS.
Form 990 Part VI	7A	THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
Form 990 Part VI	11B	THE FORM 990 IS REVIEWED BY THE CREDIT UNIONS CEO AND VICE PRESIDENT/CONTROLLER PRIOR TO FILING.
Form 990 Part VI	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	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	5	CHANGE IN OTHER COMPREHENSIVE INCOME/LOSS.
		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 PARTICIPATE 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 5 CHANGE IN OTHER COMPREHENSIVE INCOME/LOSS.

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	-46874	TotalIncome
EOY Assets	80818	EOYAssets
Direct Controlling Entity NA	N/A	DirectControllingEntityNA

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 Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	NA	BusinessNameLine1

Field	Value	IRS element (for citing)
Type Of Entity	C Corp	TypeOfEntity
Share Of Total Income	1061894	ShareOfTotalIncome
Share Of EOY Assets	1753420	ShareOfEOYAssets
Percentage Ownership	0.16670	PercentageOwnership

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
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