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 59-1009534)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-08-15
IRS object ID: 201132279349302503
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	2011-08-15T12:23:55-00:00	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	591009534	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	CENTRAL CREDIT UNION OF FLORIDA	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	CENT	NameControl
Phone	8504740970	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 17048	AddressLine1
City	PENSACOLA	City
State	FL	State
ZIP Code	32522	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	CAROLYN DWELLE	Name
Title	CEO	Title
Phone	8504740970	Phone
Date Signed	2011-08-12	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2011-08-12	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	CAROLYN DWELLE	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	6200 NORTH W STREET	AddressLine1
City	PENSACOLA	City
State	FL	State
ZIP Code	32505	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	7819235	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2106	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	www.ccufl.org	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1962	YearFormation
State Legal Domicile	FL	StateLegalDomicile
Activity Or Mission Description	WE WILL SERVE THE NEEDS OF OUR MEMBERS BEYOND THEIR EXPECTATIONS. WE STRIVE TO ASSIST OUR MEMBERS WITH ALL OF THEIR FINANCIAL NEEDS AND PROVIDE SERVICE BEYOND THEIR EXPECTATIONS. WE WILL SERVE THE NEEDS OF OUR MEMBERS BEYOND THEIR EXPECTATIONS. WE STRIVE TO ASSIST OUR MEMBERS WITH ALL OF THEIR FINANCIAL NEEDS AND PROVIDE SERVICE BEYOND THEIR EXPECTATIONS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	5	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	5	NbrIndependentVotingMembers
Total Nbr Employees	73	TotalNbrEmployees
Total Nbr Volunteers	7	TotalNbrVolunteers
Total Gross UBI	21447	TotalGrossUBI
Net Unrelated Business Txbl Income	-187	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	7009037	ProgramServiceRevenuePriorYear
Program Service Revenue CY	7021682	ProgramServiceRevenueCY
Investment Income Prior Year	563845	InvestmentIncomePriorYear
Investment Income Current Year	393305	InvestmentIncomeCurrentYear
Other Revenue Prior Year	562322	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	8135204	TotalRevenuePriorYear
Total Revenue Current Year	7414987	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	2637843	SalariesEtcPriorYear
Salaries Etc Current Year	2703084	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	5614525	OtherExpensePriorYear
Other Expenses Current Year	4442053	OtherExpensesCurrentYear
Total Expenses Prior Year	8252368	TotalExpensesPriorYear
Total Expenses Current Year	7145137	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-117164	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	269850	RevenuesLessExpensesCY
Total Assets BOY	107956888	TotalAssetsBOY
Total Assets EOY	110829778	TotalAssetsEOY
Total Liabilities BOY	96008366	TotalLiabilitiesBOY
Total Liabilities EOY	98621668	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	11948522	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	12208110	NetAssetsOrFundBalancesEOY
Mission Description	WE WILL SERVE THE NEEDS OF OUR MEMBERS BEYOND THEIR EXPECTATIONS. WE STRIVE TO ASSIST OUR MEMBERS WITH ALL OF THEIR FINANCIAL NEEDS AND PROVIDE SERVICE BEYOND THEIR EXPECTATIONS.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS FUNDS PROVIDE THE FOUNDATION FROM WHICH THE CREDIT UNION 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	false	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	5545	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	73	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	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	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	CENTRAL CREDIT UNION OF FLORIDA	NamePerson
Telephone Number	8504740970	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	6200 NORTH W STREET	AddressLine1
City	PENSACOLA	City
State	FL	State
ZIP Code	325051918	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (9 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
JOHN SCOTT
TREASURER/SECRETARY	010.00	X	0	0	0
JOHN KEITH
AUDIT COMMITTEE	010.00	X	0	0	0
ANDREA FARAGE
DIRECTOR	010.00	X	0	0	0
JAMES DOUGLAS
VICE CHAIRMAN	010.00	X	0	0	0
JUANITA ASHLEY
CHAIRPERSON	010.00	X	0	0	0
JO ELLEN MOSHER
AUDIT COMMITTEE	010.00	X	0	0	0
GARY SUMMIT
AUDIT COMMITTEE	010.00	X	0	0	0
CAROLYN DWELLE
CEO	040.00		106069	0	9910	X
KATHY BOSWELL
VP/CFO	040.00		87640	0	9957	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	193709	TotalReportableCompFromOrg
Total Other Compensation	19867	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
UNITED HEALTHCARE
DEPT CH 10051	PALATINE	IL	60055	HEALTH INSURANCE	275522
FISERV
250 JOHNSON AVENUE	MORRIS PLAINS	IL	07950	NETWORK PROCESSOR	196356
JACK HENRY AND ASSOCIATES
PO BOX 91101	SEATTLE	WA	98111	SYSTEM SOFTWARE	126610
AT&T
PO BOX 1809	PARAMUS	NJ	07653	COMMUNICATION LINES	102416

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
INTEREST ON LOANS	522100	4363348	4363348
FEES/OTHER	522100	2636887	2636887
UNRELATED BUSINESS INCOME	900099	21447		21447

Field	Value	IRS element (for citing)
Total Program Service Revenue	7021682	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	481419	TotalRevenueColumn
Related Or Exempt Function Income	481419	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	316134	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	404248	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	-88114	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	-88114	TotalRevenueColumn
Related Or Exempt Function Income	-88114	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	7414987	TotalRevenueColumn
Related Or Exempt Function Income	7393540	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	21447	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	213576	Total
Program Services	213576	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	1948387	Total
Program Services	1948387	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	97517	Total
Program Services	97517	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	251842	Total
Program Services	251842	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	191762	Total
Program Services	191762	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	88797	Total
Program Services	88797	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	115960	Total
Program Services	115960	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	20244	Total
Program Services	20244	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	335053	Total
Program Services	335053	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	1001351	Total
Program Services	1001351	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	285414	Total
Program Services	285414	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	321372	Total
Program Services	321372	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	30988	Total
Program Services	30988	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	9383	Total
Program Services	9383	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	931505	Total
Program Services	931505	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	194873	Total
Program Services	194873	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	57921	Total
Program Services	57921	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	1049192	Total
Program Services	1049192	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	7145137	Total
Program Services	7145137	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	2361102	BOY
EOY	2129250	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	32300449	BOY
EOY	37041540	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	345079	BOY
EOY	298124	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	60869958	BOY
EOY	58980575	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	234856	BOY
EOY	251842	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	5698295	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2603258	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	3415886	BOY
EOY	3095037	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	7042831	BOY
EOY	7892027	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	1386727	BOY
EOY	1141383	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	107956888	BOY
EOY	110829778	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	503311	BOY
EOY	770989	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	95505055	BOY
EOY	97850679	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	96008366	BOY
EOY	98621668	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	11948522	BOY
EOY	12208110	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	11948522	BOY
EOY	12208110	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	107956888	BOY
EOY	110829778	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	269850	ReconcilationRevenueExpenses
Reconcilation Other Changes	-10262	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	1150452	OtherCostOrOtherBasis
Book Value	1150452	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2477448	OtherCostOrOtherBasis
Depreciation	983815	Depreciation
Book Value	1493633	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	28708	OtherCostOrOtherBasis
Depreciation	27447	Depreciation
Book Value	1261	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2035842	OtherCostOrOtherBasis
Depreciation	1591996	Depreciation
Book Value	443846	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5845	OtherCostOrOtherBasis
Book Value	5845	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	3095037	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (7 entries)

DescriptionDescription	AmountAmount
SHARE ACCOUNTS	$27,999,898
SHARE DRAFT ACCOUNTS	$10,917,312
PIONEER CLUB ACCOUNTS	$13,698,284
IRA SHARE ACCOUNTS	$416,578
IRA CERTIFICATE ACCOUNTS	$8,715,764
SHARE CERTIFICATE ACCOUNTS	$29,861,826
MONEY MARKET ACCOUNTS	$6,241,017

Field	Value	IRS element (for citing)
Total Of Amounts	97850679	TotalOfAmounts
Total Revenue	7414987	TotalRevenue
Total Expenses	7145137	TotalExpenses
Excess Or Deficit For Year	269850	ExcessOrDeficitForYear
Net Unrealized GL On Investments	-10262	NetUnrealizedGLOnInvestments
Total Adjustments	-10262	TotalAdjustments
Excess Or Deficit Per FS	259588	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	7503101	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	7503101	RevenueSubtotal
Other Revenues Not Included	-88114	OtherRevenuesNotIncluded
Revenue Not Rptd On Fin Stmt	-88114	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	7414987	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	7233251	TotExpensesEtcAuditedFinclStmt
Other Expenses Included	88114	OtherExpensesIncluded
Expenses Not Rptd F990	88114	ExpensesNotRptdF990
Expenses Subtotal	7145137	ExpensesSubtotal
Total Expenses Per Form990	7145137	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (3 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
X	2	FIN 48 IS NOT APPLICABLE.
XII	4B	LOSS ON SALE OF OREO INCLUDED IN EXPENSES IN THE AUDITED FINANCIAL STATEMENTS, BUT INCLUDED AS A REDUCTION OF REVENUE IN PART VIII OF FORM 990.
XIII	2D	LOSS ON SALE OF OREO INCLUDED IN EXPENSES IN THE AUDITED FINANCIAL STATEMENTS, BUT INCLUDED AS A REDUCTION OF REVENUE IN PART VIII OF FORM 990.

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	11	THE PRESIDENT/CEO, VICE-PRESIDENT OF FINANCE, VICE-PRESIDENT OF COMPLIANCE AND VICE-PRESIDENT OF ADMINISTRATION WILL REVIEW AND APPROVE THE DRAFT FROM 990 BEFORE FINAL SUBMISSION.
Form 990 Part VI	12C	THE VICE-PRESIDENT OF COMPLIANCE, UNDER DIRECTION OF THE PRESIDENT/CEO, MONITORS THE CONFLICT OF INTEREST POLICY FOR CENTRAL CREDIT UNION OF FLORIDA. 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 REVIEW OF THE CEOS COMPENSATION IS A FUNCTION OF THE BOARD OF DIRECTORS. ANNUALLY, THE BOARD OF DIRECTORS USES AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY TO DETERMINE THE CEOS COMPENSATION. FOR ALL OTHER EMPLOYEES IN THE ORGANIZATION, PAY RANGES ARE REVIEWED AND APPROVED ON AN ANNUAL BASIS BY THE CEO UTILIZING DATA FROM AN INDEPENDENT COMPENSATION STUDY.
Form 990 Part VI	19	THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE MADE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING.
Form 990 Part XI	5	UNREALIZED LOSSES ON INVESTMENTS CLASSIFIED AS AVAILABLE FOR SALE.