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    <Timestamp>2011-07-14T16:35:55-00:00</Timestamp>
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        <AddressLine1>12060 SW 129 COURT SUITE 201</AddressLine1>
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        <BusinessNameLine1>STATE CHARTERED CREDIT UNIONS IN FLORIDA (FOCUS CREDIT UNION)</BusinessNameLine1>
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        <State>FL</State>
        <ZIPCode>32324</ZIPCode>
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      <DateSigned>2011-07-14</DateSigned>
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      <DatePrepared>2011-07-14</DatePrepared>
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          <State>FL</State>
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      <TravelEntrtnmntPublicOfficials>
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      </TravelEntrtnmntPublicOfficials>
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        <Description>SEE ATTACHED SCHEDULE</Description>
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      <AllOtherExpenses>
        <Total>0</Total>
      </AllOtherExpenses>
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      <LandBldgEquipmentAccumDeprec>2195235</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>3448331</BOY>
        <EOY>3347921</EOY>
      </LandBuildingsEquipmentBasisNet>
      <InvestmentsOtherSecurities>
        <BOY>767522</BOY>
        <EOY>561186</EOY>
      </InvestmentsOtherSecurities>
      <OtherAssetsTotal>
        <BOY>1596817</BOY>
        <EOY>1631791</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>114528113</BOY>
        <EOY>116632407</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>1409335</BOY>
        <EOY>908071</EOY>
      </AccountsPayableAccruedExpenses>
      <OtherLiabilities>
        <BOY>102996763</BOY>
        <EOY>105779828</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>104406098</BOY>
        <EOY>106687899</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <RetainedEarningsEndowmentEtc>
        <BOY>10122015</BOY>
        <EOY>9944508</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>10122015</BOY>
        <EOY>9944508</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>114528113</BOY>
        <EOY>116632407</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>230921</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>-408428</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementConsolidated>X</FinancialStatementConsolidated>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleC documentId="990C" softwareId="10000149" softwareVersion="2010.2.15">
      <PoliticalExpenditures>1228</PoliticalExpenditures>
      <AmtExpendedFor527Activities>1228</AmtExpendedFor527Activities>
      <TotalExmptFunctionExpenditures>1228</TotalExmptFunctionExpenditures>
      <Form1120PolFiled>true</Form1120PolFiled>
      <Sec527PolOrgs>
        <NameOf527Organization>
          <BusinessNameLine1>FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE</BusinessNameLine1>
        </NameOf527Organization>
        <AddressUS>
          <AddressLine1>3773 COMMONWEALTH BLVD</AddressLine1>
          <City>TALLAHASSEE</City>
          <State>FL</State>
          <ZIPCode>32303</ZIPCode>
        </AddressUS>
        <EIN>590246163</EIN>
        <AmtPdFromInternalFunds>1266</AmtPdFromInternalFunds>
      </Sec527PolOrgs>
      <Form990ScheduleCPartIV>
        <Identifier>I-A</Identifier>
        <ReturnReference>1</ReturnReference>
        <Explanation>THE CREDIT UNION CONTRIBUTED ITS FAIR SHARE TO THE FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE DURING 2010.</Explanation>
      </Form990ScheduleCPartIV>
    </IRS990ScheduleC>
    <IRS990ScheduleD documentId="990D" softwareId="10000149" softwareVersion="2010.2.15">
      <IncludedOnFS>false</IncludedOnFS>
      <Land>
        <OtherCostOrOtherBasis>437701</OtherCostOrOtherBasis>
        <BookValue>437701</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>3480390</OtherCostOrOtherBasis>
        <Depreciation>912955</Depreciation>
        <BookValue>2567435</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>1625065</OtherCostOrOtherBasis>
        <Depreciation>1282280</Depreciation>
        <BookValue>342785</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>3347921</TotalOfBookValueLandBuildings>
      <OtherLiabilities>
        <Description>MEMBER SHARE ACCOUNTS</Description>
        <Amount>22677564</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>MEMBER SHARE DRAFT ACCOUNTS</Description>
        <Amount>12542899</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>MEMBER MONEY MARKET ACCOUNTS</Description>
        <Amount>13961264</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>MEMBER CERTIFICATES</Description>
        <Amount>56598101</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>105779828</TotalOfAmounts>
      <TotalRevenue>6932964</TotalRevenue>
      <TotalExpenses>6702043</TotalExpenses>
      <ExcessOrDeficitForYear>230921</ExcessOrDeficitForYear>
      <NetUnrealizedGLOnInvestments>-408428</NetUnrealizedGLOnInvestments>
      <TotalAdjustments>-408428</TotalAdjustments>
      <ExcessOrDeficitPerFS>-177507</ExcessOrDeficitPerFS>
      <Form990ScheduleDPartXIV>
        <Identifier>X</Identifier>
        <ReturnReference>2</ReturnReference>
        <Explanation>FIN 48 IS NOT APPLICABLE.</Explanation>
      </Form990ScheduleDPartXIV>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="990O" softwareId="10000149" softwareVersion="2010.2.15">
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>6</ReturnReference>
        <Explanation>THE ORGANIZATION HAS MEMBERS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>7A</ReturnReference>
        <Explanation>THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>11B</ReturnReference>
        <Explanation>THE FORM 990 IS REVIEWED BY THE CREDIT UNIONS CEO AND VICE PRESIDENT/CONTROLLER PRIOR TO FILING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>15AB</ReturnReference>
        <Explanation>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.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>19</ReturnReference>
        <Explanation>THE CREDIT UNIONS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILALBE 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.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part XI</Identifier>
        <ReturnReference>5</ReturnReference>
        <Explanation>CHANGE IN OTHER COMPREHENSIVE INCOME/LOSS.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="990R" softwareId="10000149" softwareVersion="2010.2.15">
      <Form990ScheduleRPartI>
        <NameOfDisregardedEntity>
          <BusinessNameLine1>1ST MEMBERS INSURANCE GROUP LLC</BusinessNameLine1>
        </NameOfDisregardedEntity>
        <AddressUS>
          <AddressLine1>PO BOX 835</AddressLine1>
          <City>CHATTAHOOCHEE</City>
          <State>FL</State>
          <ZIPCode>32324</ZIPCode>
        </AddressUS>
        <EIN>141925692</EIN>
        <PrimaryActivities>INSURANCE SERVICES</PrimaryActivities>
        <LegalDomicileState>FL</LegalDomicileState>
        <TotalIncome>41600</TotalIncome>
        <EOYAssets>127692</EOYAssets>
        <DirectControllingEntityNA>N/A</DirectControllingEntityNA>
      </Form990ScheduleRPartI>
      <Form990ScheduleRPartIV>
        <NameOfRelatedOrg>
          <BusinessNameLine1>UNITED SOLUTIONS COMPANY</BusinessNameLine1>
        </NameOfRelatedOrg>
        <AddressUS>
          <AddressLine1>PO BOX 5496</AddressLine1>
          <City>TALLAHASSEE</City>
          <State>FL</State>
          <ZIPCode>32314</ZIPCode>
        </AddressUS>
        <EIN>592285914</EIN>
        <PrimaryActivity>CREDIT UNION SERVICES</PrimaryActivity>
        <LegalDomicileState>FL</LegalDomicileState>
        <DirectControllingEntityName>
          <BusinessNameLine1>NA</BusinessNameLine1>
        </DirectControllingEntityName>
        <TypeOfEntity>C Corp</TypeOfEntity>
        <PercentageOwnership>0.16670</PercentageOwnership>
      </Form990ScheduleRPartIV>
      <ReceiptOfIntAnnRentsRoyalties>false</ReceiptOfIntAnnRentsRoyalties>
      <GiftGrantOrCapContrToOtherOrg>false</GiftGrantOrCapContrToOtherOrg>
      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>false</SharingOfFacilities>
      <SharingOfPaidEmployees>false</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>false</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
    </IRS990ScheduleR>
  </ReturnData>
</Return>