2011-09-21T11:55:31-00:00 2010-12-31 ORTH CHAKLER MURNANE AND CO CPAs 12060 SW 129 COURT SUITE 201 MIAMI FL 33186 990 2010-01-01 590642953 FIRST COAST COMMUNITY CREDIT UNION FIRS 3863285555 306 S PALM AVENUE PALATKA FL 32177 GRETCHEN LUNSFORD 3863285555 2011-09-21 true DOUGLAS ORTH 3052328272 2011-09-21 2010 2016-03-07 17:11:31Z GRETCHEN LUNSFORD 306 S PALM AVENUE PALATKA FL 32177 4275715 false 2106 X WWW.FIRSTCOASTCU.COM X CREDIT UNION 1948 FL DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. 9 9 32 9 9028 -97 0 4319563 3789414 618821 486301 443966 0 5382350 4275715 0 29130 0 1361548 1365064 0 0 3671065 2886316 5061743 4251380 320607 24335 70479321 73126596 60703103 63331278 9776218 9795318 DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. false false 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. false false false false false false false false true true false false true false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 2179 0 32 true true true false false false false false X 9 9 false false false false true true false true true false false true true true true true true true true false X GRETCHEN LUNSFORD 3863285555 306 SOUTH PALM AVENUE PALATKA FL 32177 JAMES NORWOOD 001.00 X 0 0 0 RANDALL DAMPIER 001.00 X 0 0 0 CANDY RIGDON 001.00 X 0 0 0 CATHERINE MERRITT 001.00 X 0 0 0 MARTHA SINGLETON 001.00 X 0 0 0 BETTY POTEET 001.00 X 0 0 0 RUDY HOWARD 001.00 X 0 0 0 BRAD PURCELL 001.00 X 0 0 0 LINDA OSBORNE 001.00 X 0 0 0 GRETCHEN LUNSFORD 040.00 X 115515 0 15303 SANDRA PREVATT 040.00 X 77386 0 10733 192901 26036 1 false false false 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 4 INCOME FROM LOANS 522100 2663068 2663068 FEES/CHARGES/OTHER 522100 1117318 1117318 UNRELATED BUSINESS INCOME 900099 9028 9028 3789414 486301 486301 4275715 4266687 9028 0 0 0 0 218937 218937 0 811701 811701 64731 64731 195548 195548 74147 74147 0 18730 18730 210504 210504 0 0 0 74290 74290 233978 233978 233616 233616 0 342542 342542 40000 40000 0 308 308 597789 597789 0 211287 211287 59053 59053 SEE ATTACHED SCHEDULE 864219 864219 0 4251380 4251380 1775484 1724749 15246071 17775518 299873 238512 38009714 32463516 132025 100026 5435099 2219418 3409499 3215681 198058 10286000 16325000 1122597 1283594 70479321 73126596 534024 701573 60169079 62629705 60703103 63331278 X 9776218 9795318 9776218 9795318 70479321 73126596 X 24335 -5235 X false true true X false false 242553 242553 3440221 722507 2717714 1752325 1496911 255414 3215681 CDS HELD AT SOUTHEAST CORPORATE COST 16325000 F 16325000 MEMBER DEPOSITS - SHARES 23830981 MEMBER DEPOSITS - CHECKING 9215384 MEMBER DEPOSITS - MONEY MARKET 3375624 MEMBER DEPOSITS - IRA 1576467 MEMBER DEPOSITS - CERTIFICATE OF DEPOSIT 16383615 MEMBER DEPOSITS - IRA CERTIFICATES 6680729 MEMBER DEPOSITS - OTHER 1566905 62629705 4275715 4251380 24335 -5235 -5235 19100 4275715 4275715 4275715 4251380 4251380 4251380 X 2 FIN 48 IS NOT APPLICABLE. 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.