STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-0642953)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-09-21
IRS object ID: 201102649349300810
Schema version: 2010v3.4
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

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-09-21T11:55:31-00:00	Timestamp
Tax Period End Date	2010-12-31	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	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	590642953	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	FIRST COAST COMMUNITY CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	FIRS	NameControl
Phone	3863285555	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	306 S PALM AVENUE	AddressLine1
City	PALATKA	City
State	FL	State
ZIP Code	32177	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	GRETCHEN LUNSFORD	Name
Title	PRESIDENTCEO	Title
Phone	3863285555	Phone
Date Signed	2011-09-21	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2011-09-21	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Name Of Principal Officer Business NameOfPrincipalOfficerBusiness

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

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	306 S PALM AVENUE	AddressLine1
City	PALATKA	City
State	FL	State
ZIP Code	32177	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	4275715	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2106	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.FIRSTCOASTCU.COM	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1948	YearFormation
State Legal Domicile	FL	StateLegalDomicile
Activity Or Mission Description	DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	32	TotalNbrEmployees
Total Nbr Volunteers	9	TotalNbrVolunteers
Total Gross UBI	9028	TotalGrossUBI
Net Unrelated Business Txbl Income	-97	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	4319563	ProgramServiceRevenuePriorYear
Program Service Revenue CY	3789414	ProgramServiceRevenueCY
Investment Income Prior Year	618821	InvestmentIncomePriorYear
Investment Income Current Year	486301	InvestmentIncomeCurrentYear
Other Revenue Prior Year	443966	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	5382350	TotalRevenuePriorYear
Total Revenue Current Year	4275715	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	29130	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1361548	SalariesEtcPriorYear
Salaries Etc Current Year	1365064	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	3671065	OtherExpensePriorYear
Other Expenses Current Year	2886316	OtherExpensesCurrentYear
Total Expenses Prior Year	5061743	TotalExpensesPriorYear
Total Expenses Current Year	4251380	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	320607	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	24335	RevenuesLessExpensesCY
Total Assets BOY	70479321	TotalAssetsBOY
Total Assets EOY	73126596	TotalAssetsEOY
Total Liabilities BOY	60703103	TotalLiabilitiesBOY
Total Liabilities EOY	63331278	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	9776218	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	9795318	NetAssetsOrFundBalancesEOY
Mission Description	DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES.	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	true	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	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	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	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	2179	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	32	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	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	9	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	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	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	GRETCHEN LUNSFORD	NamePerson
Telephone Number	3863285555	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	306 SOUTH PALM AVENUE	AddressLine1
City	PALATKA	City
State	FL	State
ZIP Code	32177	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (11 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
JAMES NORWOOD
CHAIRMAN	001.00	X	0	0	0
RANDALL DAMPIER
V. CHAIRMAN	001.00	X	0	0	0
CANDY RIGDON
SECRETARY/AUDIT COMM. CHAIR	001.00	X	0	0	0
CATHERINE MERRITT
BOD/TREASURER	001.00	X	0	0	0
MARTHA SINGLETON
DIRECTOR	001.00	X	0	0	0
BETTY POTEET
DIRECTOR/AUDIT COMM. CHAIR	001.00	X	0	0	0
RUDY HOWARD
DIRECTOR	001.00	X	0	0	0
BRAD PURCELL
DIRECTOR	001.00	X	0	0	0
LINDA OSBORNE
AUDIT COMM. CHAIR	001.00	X	0	0	0
GRETCHEN LUNSFORD
CEO	040.00		115515	0	15303	X
SANDRA PREVATT
EVP	040.00		77386	0	10733	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	192901	TotalReportableCompFromOrg
Total Other Compensation	26036	TotalOtherCompensation
Number Individuals GT100 K	1	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (4 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
WESCOM
123 S MARENGO AVE	PASADENA	CA	91101	DATA PROCESSING	182370
NCUA
PO BOX 360026 M	PITTSBURGH	PA	152516026	SHARE INSURANCE	175554
JACK HENRY
PO BOX 503328	ST LOUIS	MO	63150	SOFTWARE SUPPORT AND DATA PROCESSING	188084
PALM COAST CENTER
PO BOX 924133	HOUSTON	TX	772924133	PALM COAST OFFICE LAND LEASE AND TAXES	225468

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	4	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INCOME FROM LOANS	522100	2663068	2663068
FEES/CHARGES/OTHER	522100	1117318	1117318
UNRELATED BUSINESS INCOME	900099	9028		9028

Field	Value	IRS element (for citing)
Total Program Service Revenue	3789414	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	486301	TotalRevenueColumn
Related Or Exempt Function Income	486301	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	4275715	TotalRevenueColumn
Related Or Exempt Function Income	4266687	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	9028	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	218937	Total
Program Services	218937	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	811701	Total
Program Services	811701	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	64731	Total
Program Services	64731	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	195548	Total
Program Services	195548	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	74147	Total
Program Services	74147	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	18730	Total
Program Services	18730	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	210504	Total
Program Services	210504	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	74290	Total
Program Services	74290	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	233978	Total
Program Services	233978	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	233616	Total
Program Services	233616	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	342542	Total
Program Services	342542	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	40000	Total
Program Services	40000	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	308	Total
Program Services	308	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	597789	Total
Program Services	597789	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	211287	Total
Program Services	211287	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	59053	Total
Program Services	59053	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	864219	Total
Program Services	864219	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	4251380	Total
Program Services	4251380	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	1775484	BOY
EOY	1724749	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	15246071	BOY
EOY	17775518	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	299873	BOY
EOY	238512	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	38009714	BOY
EOY	32463516	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	132025	BOY
EOY	100026	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	5435099	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2219418	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3409499	BOY
EOY	3215681	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	198058	BOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	10286000	BOY
EOY	16325000	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1122597	BOY
EOY	1283594	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	70479321	BOY
EOY	73126596	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	534024	BOY
EOY	701573	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	60169079	BOY
EOY	62629705	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	60703103	BOY
EOY	63331278	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	9776218	BOY
EOY	9795318	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	9776218	BOY
EOY	9795318	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	70479321	BOY
EOY	73126596	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	24335	ReconcilationRevenueExpenses
Reconcilation Other Changes	-5235	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

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

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	242553	OtherCostOrOtherBasis
Book Value	242553	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	3440221	OtherCostOrOtherBasis
Depreciation	722507	Depreciation
Book Value	2717714	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1752325	OtherCostOrOtherBasis
Depreciation	1496911	Depreciation
Book Value	255414	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3215681	TotalOfBookValueLandBuildings

Other Securities OtherSecurities

Field	Value	IRS element (for citing)
Description	CDS HELD AT SOUTHEAST CORPORATE COST	Description
Book Value	16325000	BookValue
Method Of Valuation	F	MethodOfValuation

Field	Value	IRS element (for citing)
Total Of Book Value Securities	16325000	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities (7 entries)

DescriptionDescription	AmountAmount
MEMBER DEPOSITS - SHARES	$23,830,981
MEMBER DEPOSITS - CHECKING	$9,215,384
MEMBER DEPOSITS - MONEY MARKET	$3,375,624
MEMBER DEPOSITS - IRA	$1,576,467
MEMBER DEPOSITS - CERTIFICATE OF DEPOSIT	$16,383,615
MEMBER DEPOSITS - IRA CERTIFICATES	$6,680,729
MEMBER DEPOSITS - OTHER	$1,566,905

Field	Value	IRS element (for citing)
Total Of Amounts	62629705	TotalOfAmounts
Total Revenue	4275715	TotalRevenue
Total Expenses	4251380	TotalExpenses
Excess Or Deficit For Year	24335	ExcessOrDeficitForYear
Net Unrealized GL On Investments	-5235	NetUnrealizedGLOnInvestments
Total Adjustments	-5235	TotalAdjustments
Excess Or Deficit Per FS	19100	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	4275715	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	4275715	RevenueSubtotal
Total Revenue Per Form990	4275715	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	4251380	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	4251380	ExpensesSubtotal
Total Expenses Per Form990	4251380	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	X	Identifier
Return Reference	2	ReturnReference
Explanation	FIN 48 IS NOT APPLICABLE.	Explanation

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE CREDIT UNION HAS MEMBERS.
Form 990 Part VI	7A	THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS.
Form 990 Part VI	11B	INITIAL REVIEW OF THE FORM 990 IS DONE BY SANDRA PREVATT, EVP OPERATIONS. IT IS THEN SUBMITTED TO THE CEO, GRETCHEN LUNSFORD, FOR FINAL REVIEW AND APPROVAL.
Form 990 Part VI	12C	THE EXECUTIVE VP OF OPERATIONS, UNDER THE DIRECTION OF THE PRESIDENT/CEO MONITORS COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY FOR FIRST COAST COMMUNITY CREDIT UNION. THIS INCLUDES VENDOR MANAGEMENT, EMPLOYEE TRAINING AND MONITORING OF EMPLOYEE TRANSACTIONS. ALL NEW EMPLOYEES ARE GIVEN A CONFLICT OF INTEREST POLICY AS PART OF THE CODE OF CONDUCT.
Form 990 Part VI	15	THE COMPENSATION OF THE CEO IS SUBJECT TO A BOARD REVIEW ANNUALLY AND IS BASED ON AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY. THE SALARIES OF OTHER OFFICERS AND KEY EMPLOYEES ARE DETERMINED BY UTILIZING THE CUNA MUTUAL GROUP SALARY SURVEY BASED ON CREDIT UNION ASSET SIZE.
Form 990 Part VI	19	THE CREDIT UNIONS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE ON THE NCUAS WEBSITE VIA THE 5300 FILING.
Form 990 Part XI	5	UNREALIZED LOSS ON SECURITIES AVAILABLE FOR SALE.