2022-11-09T13:34:37-06:00 2021-12-31 382492570 DOEREN MAYHEW 12060 S W 129TH COURT STE 201 MIAMI FL 331864582 990 2021-01-01 591009534 STATE CHARTERED CREDIT UNIONS IN FLORIDA CENTRAL CREDIT UNION OF FLORIDA STAT 8504740970 PO BOX 17048 PENSACOLA FL 32522 LISA BROWN PRESIDENT/CEO 8504740970 2022-11-09 1 LISA BROWN 999009999 JOHN J MURNANE JR P03021572 3052328272 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z CENTRAL CREDIT UNION OF FLORIDA LISA BROWN 6200 NORTH W ST PENSACOLA FL 325051918 11046522 0 2106 X WWW.CCUFL.ORG X 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. 5 5 78 7 14322 4226 0 0 9301662 10243854 439410 -142954 0 0 9741072 10100900 2606 1680 0 0 4687200 4823432 0 0 0 5412350 4915561 10102156 9740673 -361084 360227 212016760 233913304 192859140 214450704 19157620 19462600 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. 0 0 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. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 3215 0 1 78 1 1 1 0 0 0 0 0 0 0 X 5 5 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 0 1 1 1 0 X CENTRAL CREDIT UNION OF FLORIDA 8504740970 1200 E NINE MILE ROAD PENSACOLA FL 32514 JOHN KEITH TREASURER 10.00 X 0 0 120 ANDREA KRIEGER SECRETARY 10.00 X 0 0 120 JUANITA ASHLEY DIRECTOR 10.00 X 0 0 120 JAMES DANNY GILMAN CHAIRPERSON 10.00 X 0 0 120 JOHN COE VICE CHAIRPERSON 10.00 X 0 0 120 CAROLYN DWELLE CEO 40.00 X 194817 0 25685 KATHY BOSWELL VP/CFO 40.00 X 132162 0 11195 326979 0 37480 2 0 1 0 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 OPERATING SYSTEM 299606 EK2013 PENSACOLA LLC 18851 NE 29TH AVE SUITE 303 AVENTURA FL 33180 LAND RENTAL 100561 2 INCOME ON LOANS 522100 6304994 6304994 FEES, CHARGES, OTHER 522100 3924538 3924538 UNRELATED BUSINESS INCOME 520000 14322 14322 10243854 192726 192726 609942 945622 -335680 -335680 -335680 10100900 10086578 14322 0 X 1680 364459 3546452 133885 456110 322526 131607 30961 49427 282076 1258860 636038 789060 6049 44503 531716 309666 78003 UBIT EXPENSE 1180 LOAN SERVICING 568686 MISCELLANEOUS 84467 EXAMINATION FEES 63050 50212 9740673 2796967 2446371 78385508 83869793 3955319 8919 112231539 123701040 151640 242526 13325772 4821515 8707718 8504257 377949 4743064 3363628 8064821 2046492 2332513 212016760 233913304 1881822 1752926 190977318 212697778 192859140 214450704 X 0 0 0 0 19157620 19462600 19157620 19462600 212016760 233913304 360227 -55247 0 X X 0 1 X 1 0 0 0 1306533 1306533 8956617 2420986 6535631 13915 6555 7360 3048707 2393974 654733 8504257 SHARE ACCOUNTS 92197552 SHARE DRAFT ACCOUNTS 57782644 IRA SHARE ACCOUNTS 3058670 SHARE AND IRA CERTIFICATE ACCOUNTS 30289383 MONEY MARKET ACCOUNTS 29369529 212697778 X 10100900 0 10100900 0 10100900 9740673 0 9740673 0 9740673 PART X, LINE 2: INCOME TAXES THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. X X 0 0 0 CAROLYN DWELLE CEO 193542 0 1275 0 0 0 19930 0 5755 0 220502 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION MEMBERSHIP MAY PARTICIPATE IN THE ELECTION OF OFFICIALS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF THE MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FORM 990, PART VI, SECTION B, LINE 11B THE PRESIDENT/CEO, VICE-PRESIDENT OF FINANCE, VICE-PRESIDENT OF COMPLIANCE AND VICE-PRESIDENT OF ADMINISTRATION WILL REVIEW AND APPROVE THE DRAFT FORM 990 BEFORE FINAL SUBMISSION. FORM 990, PART VI, SECTION B, LINE 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, SECTION B, LINE 15 THE REVIEW OF THE CEO'S 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 CEO'S 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, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNION'S FINANCIAL STATEMENTS ARE MADE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL EXPENSES 49,427. FORM 990, PART IX, LINE 24E EDUCATION 19,638. PROVISION FOR LOAN LOSS 15,829. ASSOCIATION DUES 14,745. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR.