2011-08-15T16:11:09-00:00 2010-12-31 ORTH CHAKLER MURNANE AND CO CPAs 12060 SW 129 COURT SUITE 201 MIAMI FL 33186 990 2010-01-01 590687423 FLORIDA COMMERCE CREDIT UNION FLOR 8005335772 2073 SUMMIT LAKE DRIVE Room No 100 TALLAHASSEE FL 32317 MARY ESTEES 8005335772 2011-08-11 true DOUGLAS ORTH 3052328272 2011-08-11 2010 2016-02-24 21:20:13Z CECILIA HOMISON 2073 SUMMIT LAKE DRIVE SUITE 100 TALLAHASSEE FL 32317 28825954 false 2106 X WWW.FLORIDACOMMERCE.ORG X CREDIT UNION 1940 FL TO PROVIDE SERVICES AND EDUCATION TO MEMBERS IN THE FRAMEWORK OF A FINANCIAL COOPERATIVE. TO PROVIDE SERVICES AND EDUCATION TO MEMBERS IN THE FRAMEWORK OF A FINANCIAL COOPERATIVE. 7 7 151 10 55043 -39390 0 31271560 25814124 273561 268736 2743094 31545121 28825954 5000 0 4012300 0 7984911 7507585 0 0 17177246 20071320 29179457 27578905 2365664 1247049 316870434 332506216 275831914 290217736 41038520 42288480 TO BE OUR MEMBERS FINANCIAL PARTNER FOR LIFE. false false TALLAHASSEES 1 AUTO LENDING PROGRAM OVER THE PAST DECADE, FLORIDA COMMERCE HAS EARNED THE TITLE OF TALLAHASSEES NUMBER ONE AUTO LENDER YEAR AFTER YEAR. THIS TITLE HAS BEEN CONSISTENTLY EARNED BECAUSE THE CREDIT UNION OFFERS A RANGE OF AUTO LOAN CHOICES FOR ALMOST EVERY BUDGET AND CREDIT LEVEL. FLORIDA COMMERCES FLEXIBLE TERMS AND COMPETITIVE RATES ALLOW MEMBERS TO PURCHASE THE VEHICLE THEY NEED AT A MONTHLY PAYMENT THEY CAN AFFORD. OVER 9,000 MEMBERS CURRENTLY ENJOY THE MOST CONSUMER-FRIENDLY AUTO LOAN PROGRAM IN THE AREA. false false true false false false false false true false false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false false true 8647 0 151 true true true false false false false false X 7 7 false false false false true true false true true false false false true true true true false true true false X WILMA WOOTEN 8504103563 PO BOX 6416 TALLAHASSEE FL 32314 JR PHELPS 001.00 X 0 0 0 RIVERS BUFORD III 001.00 X 0 0 0 MIKE GOMEZ 001.00 X 0 0 0 JERRY OSTERYOUNG 001.00 X 0 0 0 CANITA PETERSON 001.00 X 0 0 0 KATHY ARRANT 001.00 X 0 0 0 JOHN GRAYSON 001.00 X 0 0 0 CECILIA HOMISON 040.00 X 265749 0 29209 MARY ESTES 040.00 X 218209 0 22202 VALERIE SILVERMAN 040.00 X 134033 0 6443 JEFF BOND 040.00 X 173259 0 16339 CARLA DE BALDO 040.00 X 133421 0 15304 DONNA MORAN 040.00 X 133690 0 16439 SAMANTHA STRICKLAND 040.00 X 129768 0 19313 1188129 125249 8 false true false SUMMIT EAST MANAGEMENT LLC 1625 SUMMIT LAKE DRIVE 229 TALLAHASSEE FL 32317 BUILDING CONSTRUCTION/RENT 1099751 CAPITAL HEALTH PLAN PO BOX 15349 TALLAHASSEE FL 32317 MEDICAL AND HEALTH INSURANCE PREMIUMS 600937 JACK HENRY & ASSOCIATES PO BOX 503328 ST LOUIS MO 63150 DATA PROCESSING SERVICES 331959 BLUE CROSS BLUE SHIELD OF FL PO BOX 660299 DALLAS TX 75266 MEDICAL AND HEALTH INSURANCE PREMIUMS 270557 FISERV PO BOX 409287 ATLANTA GA 30384 DATA PROCESSING/ATM HOME BANKING 207480 12 LOANS TO MEMBERS 522100 18941686 18941686 FEES AND SERVICES 522100 6817395 6817395 UNRELATED BUSINESS INCOME 900099 55043 55043 25814124 268736 268736 MISCELLANEOUS INCOME 522100 2743094 2743094 2743094 28825954 28770911 55043 0 0 0 0 1313378 1313378 0 4468082 4468082 148571 148571 1137111 1137111 440443 440443 0 49014 49014 93152 93152 0 0 965620 965620 804902 804902 675266 675266 147093 147093 0 1664923 1664923 127200 127200 0 33357 33357 4017284 4017284 0 1127219 1127219 168465 168465 SEET ATTACHED SCHEDULE 10197825 10197825 0 27578905 27578905 3204912 3385691 36819732 40098654 1789108 2695097 245275666 240643916 731622 484106 25692518 8381711 14320060 17310807 1573324 9096035 2213358 4771827 10942652 14020083 316870434 332506216 4191390 4818036 30000000 30000000 241640524 255399700 275831914 290217736 X 41038520 42288480 41038520 42288480 316870434 332506216 X 1247049 2911 X false true true X false 11000 11000 11000 true FLORIDA CREDIT UNION POLITICAL ACTION COMMITTE (CUPAC) PO BOX 3108 TALLAHASSEE FL 32315 590246163 11000 I-A 1 THE CREDIT UNION CONTRIBUTED ITS FAIR SHARE TO THE FLORIDA CREDIT UNION POLITICAL ACTION COMMITTEE DURING 2010 false 3851526 3851526 11214523 2242749 8971774 1981846 697583 1284263 8644623 5441379 3203244 17310807 SHARE DRAFTS 47322780 SHARES 40379244 MONEY MARKET 63115950 IRA SHARES 18366659 CERTIFICATES 86215067 255399700 28825954 27578905 1247049 2911 2911 1249960 28825954 28825954 28825954 27578905 27578905 27578905 X 2 FIN 48 IS NOT APPLICABLE. X X X X true true X X X false false false CECILIA HOMISON 223131 8000 34618 11977 17232 294958 MARY ESTES 172499 16830 28880 11659 10543 240411 JEFF BOND 156719 15400 1140 10055 6284 189598 DONNA MORAN 119900 12650 1140 8437 8002 150129 Form 990 Part VI 6 THE CREDIT UNIONS MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNIONS MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATIONS PROFITS IN THE FORM OF CASH DIVIDENDS. Form 990 Part VI 7A MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODYS ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. Form 990 Part VI 11B THE ACCOUNTING DEPARTMENT DOES VERIFY AND TIE OUT THE FIGURES TO THE FINANCIAL STATEMENTS. Form 990 Part VI 12C THE EXTERNAL AUDITOR PERFORMS AN AUDIT OF EMPLOYEE ACCOUNTS AND THEIR RESPECTIVE FINANCIAL AND GENERAL LEDGER TRANSACTIONS ON AN QUARTERLY BASIS TO MONITOR AND VERIFY THAT THERE ARE NO TRANSACTIONS PERFORMED BY THE EMPLOYEE AND/OR ON THEIR RESPECTIVE ACCOUNT THAT ARE IMPROPER AND/OR CONFLICT WITH THEIR JOB RESPONSIBILITIES. Form 990 Part VI 15AB A MINIMUM OF ONCE A YEAR, COMPARABLE COMPENSATION DATA IS RESEARCHED USING SALARY.COM. SEVERAL DIMENSIONS ARE EVALUATED AND A SALARY RANGE IS RECOMMENDED. THIS RANGE IS APPROVED BY THE CEO AND THEN ULTIMATELY BY THE BOARD OF DIRECTORS. Form 990 Part VI 19 CONFLICTS OF INTEREST POLICIES ARE NOT PUBLICLY PUBLISHED. QUARTERLY FINANCIALS ARE PUBLISHED AT THE ENTRANCE OF EACH OF THE BRANCH OFFICES, THE CALL REPORT IS FILED QUARTERLY WHICH IS PUBLIC INFORMATION AND OUR ANNUAL REPORT IS AVAILABLE TO ALL MEMBERS WHICH CONTAINS FINANCIALS. IF REQUESTED, BY-LAWS WOULD BE MADE AVAILABLE FOR VIEWING AT THE ADMINISTRATIVE OFFICES. Form 990 Part XI 5 UNREALIZED GAIN ON INVESTMENTS CLASSIFIED AS AVAILABLE-FOR-SALE.