2011-08-15T12:23:55-00:00 2010-12-31 ORTH CHAKLER MURNANE AND CO CPAs 12060 SW 129 COURT SUITE 201 MIAMI FL 33186 990 2010-01-01 591009534 CENTRAL CREDIT UNION OF FLORIDA CENT 8504740970 PO BOX 17048 PENSACOLA FL 32522 CAROLYN DWELLE 8504740970 2011-08-12 true DOUGLAS ORTH 3052328272 2011-08-12 2010 2016-02-24 21:20:13Z CAROLYN DWELLE 6200 NORTH W STREET PENSACOLA FL 32505 7819235 false 2106 X www.ccufl.org X CREDIT UNION 1962 FL 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. 5 5 73 7 21447 -187 0 7009037 7021682 563845 393305 562322 0 8135204 7414987 0 0 2637843 2703084 0 0 5614525 4442053 8252368 7145137 -117164 269850 107956888 110829778 96008366 98621668 11948522 12208110 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. false false 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. false false false false false false false false true false 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 5545 0 73 true true true false false false false false X 5 5 false false false false true true false true true false false false true true true false true true true false X CENTRAL CREDIT UNION OF FLORIDA 8504740970 6200 NORTH W STREET PENSACOLA FL 325051918 JOHN SCOTT 010.00 X 0 0 0 JOHN KEITH 010.00 X 0 0 0 ANDREA FARAGE 010.00 X 0 0 0 JAMES DOUGLAS 010.00 X 0 0 0 JUANITA ASHLEY 010.00 X 0 0 0 JO ELLEN MOSHER 010.00 X 0 0 0 GARY SUMMIT 010.00 X 0 0 0 CAROLYN DWELLE 040.00 X 106069 0 9910 KATHY BOSWELL 040.00 X 87640 0 9957 193709 19867 1 false false false 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 4 INTEREST ON LOANS 522100 4363348 4363348 FEES/OTHER 522100 2636887 2636887 UNRELATED BUSINESS INCOME 900099 21447 21447 7021682 481419 481419 316134 404248 -88114 -88114 -88114 7414987 7393540 21447 0 0 0 0 213576 213576 0 1948387 1948387 97517 97517 251842 251842 191762 191762 0 88797 88797 115960 115960 0 0 20244 20244 335053 335053 1001351 1001351 285414 285414 0 321372 321372 30988 30988 0 9383 9383 931505 931505 0 194873 194873 57921 57921 SEE ATTACHED SCHEDULE 1049192 1049192 0 7145137 7145137 2361102 2129250 32300449 37041540 345079 298124 60869958 58980575 234856 251842 5698295 2603258 3415886 3095037 7042831 7892027 1386727 1141383 107956888 110829778 503311 770989 95505055 97850679 96008366 98621668 X 11948522 12208110 11948522 12208110 107956888 110829778 X 269850 -10262 X false true true X false false 1150452 1150452 2477448 983815 1493633 28708 27447 1261 2035842 1591996 443846 5845 5845 3095037 SHARE ACCOUNTS 27999898 SHARE DRAFT ACCOUNTS 10917312 PIONEER CLUB ACCOUNTS 13698284 IRA SHARE ACCOUNTS 416578 IRA CERTIFICATE ACCOUNTS 8715764 SHARE CERTIFICATE ACCOUNTS 29861826 MONEY MARKET ACCOUNTS 6241017 97850679 7414987 7145137 269850 -10262 -10262 259588 7503101 7503101 -88114 -88114 7414987 7233251 88114 88114 7145137 7145137 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. 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.