2021-09-27T15:03:33-05:00 2020-12-31 382492570 DOEREN MAYHEW 305 WEST BIG BEAVER ROAD TROY MI 48084 990 2020-01-01 590291451 SUNCOAST CREDIT UNION SUNC 8009995887 PO BOX 11904 TAMPA FL 336801904 JULIE RENDEROS EVP/CFO 8009995887 2021-09-27 1 JULIE RENDEROS XXX-XX-XXXX ROBERT PARKS CPA P00740435 2482443000 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z X KEVIN JOHNSON PO BOX 11904 TAMPA FL 336801904 564604796 0 X WWW.SUNCOASTCREDITUNION.COM X 1934 FL TO IMPROVE THE QUALITY OF OUR MEMBERS' LIVES THROUGH STRENGTH, SECURITY, AND INNOVATION. 11 11 2185 12 2961797 752844 0 0 480661406 519774986 37339199 20669813 3013774 3157332 521014379 543602131 509004 2048311 0 0 127562639 137834205 0 0 0 278371725 314918696 406443368 454801212 114571011 88800919 10533714376 12321280879 9545707362 11231719614 988007014 1089561265 THE CREDIT UNION'S MISSION IS TO IMPROVE THE QUALITY OF OUR MEMBERS' LIVES BY MAINTAINING A STRONG, SECURE, AND INNOVATIVE CREDIT UNION THAT BUILDS TRUST, SHOWS RESPECT, AND MAXIMIZES EFFICIENCY. 0 0 THE CREDIT UNION OFFERS OUR MEMBERS A SOURCE OF CREDIT THROUGH VARIOUS TYPES OF LOANS, INCLUDING MORTGAGE, AUTO, AND PERSONAL. INTEREST RATES FOR OUR LOANS ARE COMPETITIVE IN OUR LOCAL MARKETS. THE CREDIT UNION OFFERS COMPETITIVE SAVINGS PRODUCTS TO OUR MEMBERS WITH INTEREST RATES THAT ARE MORE FAVORABLE THAN OUR LOCAL COMPETITION ON OUR INTEREST BEARING ACCOUNTS AND CERTIFICATES OF DEPOSIT. SERVICE FEES CHARGED BY THE CREDIT UNION FOR OUR PRODUCTS ARE GENERALLY LOWER THAN OUR LOCAL COMPETITION OR HAVE BEEN ELIMINATED. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 1 1 0 0 1 222269 0 1 2185 1 1 1 0 0 0 0 0 0 0 0 0 X 11 11 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X X JULIE RENDEROS EVPCFO 8009995887 PO BOX 11904 TAMPA FL 336801904 ANTHONY SACHEL DIRECTOR 2.00 X 1456 0 0 ZAMIR L ODE CHAIR OF THE BOARD 2.00 1.00 X 2378 0 0 JOUNICE NEALY-BROWN TREASURER OF THE BOARD 2.00 1.00 X 0 0 0 GARY C GRESHAM VICE CHAIR OF THE BOARD 2.00 1.00 X 1799 0 0 VICTOR ARIAS DIRECTOR 2.00 X 1501 0 0 ANDREA FALVEY SECRETARY OF THE BOARD 2.00 1.00 X 0 0 0 MILDRED HARVEY DIRECTOR 2.00 X 1433 0 0 MARC JOHNSON DIRECTOR 2.00 X 0 0 0 MANUEL LOPEZ DIRECTOR 2.00 X 984 0 0 STEPHANIE MATHEWS DIRECTOR 2.00 X 1205 0 0 VELIA PEDRERO 010120-082020 DIRECTOR 2.00 X 2719 0 0 LORRAINE FERNANDEZ 082120-123120 DIRECTOR 2.00 X 1545 0 0 KEVIN JOHNSON PRESIDENT/CEO 50.00 1.00 X 798375 0 165616 JULIE A RENDEROS EXECUTIVE VP/CFO 50.00 X 385403 0 94778 GARY J VIEN CHIEF ADMINISTRATIVE OFFICER 50.00 X 300784 0 101040 VICTORIA LOVETT CHIEF LENDING OFFICER 50.00 1.00 X 322460 0 80587 DARLENE JOHNSON CHIEF OPERATING OFFICER 50.00 X 311995 0 93225 MICHAEL PARKS CHIEF INFORMATION OFFICER 50.00 X 255144 0 84085 DONALD D BURT WEALTH ADVISOR 50.00 X 249106 0 40849 MELVA MCKAY-BASS SVP/BUSINESS DEVELOPMENT 50.00 X 276081 0 85961 BENJAMIN FELDER GENERAL COUNSEL 50.00 X 236300 0 39065 OKSANA SHERMAN RETAIL MORTGAGE LOAN OFFICER 50.00 X 344891 0 26485 AILEEN RODRIGUEZ RETAIL MORTGAGE LOAN OFFICER 50.00 X 240245 0 30708 3735804 0 842399 118 0 1 0 TCS CORP 6818 BENJAMIN RD TAMPA FL 33634 JANITORIAL SERVICES 1880735 DENTCO 1161 E CLARK RD SUITES 124-134 DEWITT MI 48820 LAWN MAINTENANCE 827920 KASS SHULER PA PO BOX 800 TAMPA FL 33601 LEGAL SERVICE ATTORNEY 815805 HEPNER ARCHITECTS 601 SOUTH BOULEVARD - SUITE 101 TAMPA FL 33606 ARCHITECTS 453960 WETHERINGTON HAMILTON & HARRISON PA 812 W DR MLK JR BLVD - SUITE 101 TAMPA FL 33603 COLLECTIONS ATTORNEY 322667 167 INTEREST ON LOANS 522100 396192668 396192668 SERVICE FEES & MISC 522100 123582318 123582318 519774986 20230261 20230261 310199 114664 195535 195535 195535 17284000 4043553 17000000 3888001 284000 155552 439552 439552 UNRELATED BUSINESS INCOME 900099 1664121 1664121 UNRELATED BUSINESS INCOME 524298 734999 734999 UNRELATED BUSINESS INCOME 522292 284357 284357 278320 278320 2961797 543602131 520410073 2961797 20230261 X 2048311 3008512 104782942 5635111 16693004 7714636 440817 182393 3500 4376526 8298194 14318720 15700676 410136 143551 97612140 17743713 1770332 LOAN LOSS 95000000 OTHER EXPENSES 28972074 CREDIT CARD & REWARD FE 11166842 FRAUD EXPENSE 9291994 9487088 454801212 203302611 272106064 389685985 898997221 18321417 10261903 14626468 15018655 8296822578 9220864626 22110677 27097036 315153844 138113618 178774318 177040226 1162150322 1442352043 118707209 117963038 4510417 4385417 124702374 135194650 10533714376 12321280879 89432146 99862820 16000967 15940945 100000000 100000000 400000 200000 9339874249 11015715849 9545707362 11231719614 X 0 0 0 0 988007014 1089561265 988007014 1089561265 10533714376 12321280879 X 88800919 7695962 5057370 X X 0 1 X 1 0 0 1 X 35695767 35695767 171645732 61444845 110200887 9031074 6801636 2229438 98781271 69867137 28914134 177040226 MEMBER DEPOSITS 11009921054 DIVIDENDS PAYABLE 579523 OTHER LIABILITY 5215272 11015715849 X PART IV, LINE 2B: THE CREDIT UNION HOLDS ESCROWED FUNDS FOR THE PAYMENT OF PROPERTY TAXES AND HOMEOWNERS' INSURANCE AS A SERVICE TO OUR MEMBERS WHO HAVE MORTGAGES WITH THE CREDIT UNION OR HAVE MORTGAGES SERVICED BY THE CREDIT UNION. PART X, LINE 2: INCOME TAXES - THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14). ACCORDINGLY, A PROVISION FOR INCOME TAXES HAS NOT BEEN MADE. THE CREDIT UNION ALSO WHOLLY OWNS MEMBERS TITLE AGENCY, LLC; MEMBERS INSURANCE CENTER, LLC; AND SUNCOAST REALTY SOLUTIONS, LLC. UNDER CURRENT INTERNAL REVENUE SERVICE (IRS) REGULATIONS, THE INCOME OF THE LLC ACCRUES TO THE OWNER, SUNCOAST CREDIT UNION, AND IS THEREFORE NOT SUBJECT TO INCOME TAX. HOWEVER, WITH THE CONVERSION TO STATE CHARTER FROM FEDERAL CHARTER EFFECTIVE DECEMBER 31, 2013, THE CREDIT UNION IS NOW SUBJECT TO THE PROVISIONS OF THE FEDERAL INCOME TAX CODE AND THE STATE OF FLORIDA'S DEPARTMENT OF REVENUE RELATED TO UNRELATED BUSINESS INCOME TAX. IN ACCORDANCE WITH FASB ASC 740, INCOME TAXES, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE CONSOLIDATED FINANCIAL STATEMENTS WHEN IT IS MORE LIKELY THAN NOT THAT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. SUCH TAX POSITIONS INITIALLY AND SUBSEQUENTLY NEED TO BE MEASURED AS THE LARGEST AMOUNT OF TAX BENEFIT THAT HAS A GREATER THAN 50% LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT WITH THE TAX AUTHORITY ASSUMING FULL KNOWLEDGE OF THE POSITION AND RELEVANT FACTS. AS OF DECEMBER 31, 2020 AND 2019, MANAGEMENT HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. 0 NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 53705 391383650 501(C)(3) 134210 TO FUND PROGRAMS THAT HELP IMPROVE CONSUMER'S FINANCIAL LIVES & SUNCOAST GAC ATTENDEES ATTENDED DINNER TO SUPPORT HERB WAGNER AWARD WINNERS SUNCOAST CU FOUNDATION 6801 E HILLSBOROUGH AVE TAMPA FL 33610 593037324 501(C)(3) 232419 FUNDING EDUCATION & MEDICAL NEEDS OF CHILDREN IN FLORIDA TAMPA BAY AREA CREDIT UNION FOR KIDS INC 6801 E HILLSBOROUGH AVE TAMPA FL 33610 203068168 501(C)(3) 50000 TO RAISE FUNDS FOR THE AUTISM CENTER AT ALL CHILDREN'S HOSPITAL LEAGUE OF SOUTHEASTERN CU 3692 COOLIDGE COURT TALLAHASSEE FL 32311 592252733 501(C)(3) 83143 TO PROVIDE ASSISTANCE TO SMALLER CREDIT UNIONS WORLD WIDE FOUNDATION FOR CU PO BOX 2982 MADISON WI 53701 396093210 501(C)(3) 10000 TO CREATE LONG LASTING OPPORTUNITIES FOR THE WORLD'S WORKING POOR CREDIT UNION NATIONAL ASSOCIATION PO BOX 860558 MINNEAPOLIS MN 554860558 237065623 501(C)(6) 500000 AWARENESS INITIATIVE IS TO ASSIST THE COMMUNITY IN MAKING BETTER FINANCIAL DECISIONS. TAMPA GENERAL HOSPITAL FOUNDATION 1 TAMPA GENERAL CIRCLE ROOM TAMPA FL 33606 237354477 501(C)(3) 100000 COVID RELIEF TO SUPPORT PROGRAMS AND SERVICES AT TGH. THE CRISIS CENTER OF TAMPA BAY ONE CRISIS CENTER PLAZA TAMPA FL 33613 591785265 501(C)(3) 100000 COVID RELIEF TO ASSIST DOMESTIC VIOLENCE, EMOTIONAL, AND FINANCIAL DISTRESS. CITY OF TAMPA 306 E JACKSON STREET TAMPA FL 33602 591101138 MUNICIPAL GOVERNMENT 100000 COVID RELIEF TO ASSIST RELIEF TO CITY OF TAMPA RESIDENTS SUCH AS FOOD, MEDICAL AND FINANCIAL HELP. HARRY CHAPLIN FOOD BANK OF SW FLORIDA 3760 FOWLER STREET FORT MYERS FL 33901 592332120 501(C)(3) 60000 COVID RELIEF FUNDS USED FOR FOOD. METROPOLITAN MINISTRIES 2002 N FLORIDA AVE TAMPA FL 33602 591477007 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. MEALS ON WHEELS OF TAMPA 5320 NORTH BOULEVARD TAMPA FL 336031303 591679915 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. SENIORS IN SERVICE OF TAMPA BAY 1306 W SLIGH AVE TAMPA FL 33604 592422975 501(C)(3) 50000 COVID RELIEF USED FOR SENIOR SUPPLIES. UNITED FOOD BANK & SERVICES OF PLANT CITY 702 E ALSOBROOK STREET SUITE H PLANT CITY FL 335636000 593069128 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. UNITED WAY OF LEE COUNTY INC 7273 CONCOURSE DRIVE FORT MYERS FL 33908 591005169 501(C)(3) 50000 COVID RELIEF ASSIST LEE COUNTY RESIDENTS SUCH AS FOOD, MEDICAL AND FINANCIAL HELP. MEALS ON WHEELS PLUS OF MANATEE 811 23RD AVENUE EAST BRADENTON FL 34208 591420986 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. FEEDING AMERICA TAMPA BAY 4702 TRANSPORT DR 6 TAMPA FL 33605 592116576 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. MEALS OF HOPE 2221 CORPORATION BLVD NAPLES FL 34109 270268307 501(C)(3) 50000 COVID RELIEF FUNDS USED FOR FOOD. TRI - COUNTY OUTREACH PO BOX 2194 CHIEFLAND FL 32644 593050402 501(C)(3) 25000 COVID RELIEF TO ASSIST COMMUNITY WITH DIFFERENT RECOURSES AND DAILY NEEDS. NAMI HERNANDO INC 10554 SPRING HILL DR SPRING HILL FL 34608 592684242 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. THE SPRING OF TAMPA INC PO BOX 5147 TAMPA FL 33675 591777135 501(C)(3) 20000 COVID RELIEF TO ASSIST DOMESTIC VIOLENCE, EMOTIONAL, AND FINANCIAL DISTRESS. NAMI HILLSBOROUGH INC PO BOX 17856 TAMPA FL 33682 592865768 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. NAMI PASCO COUNTY INC PO BOX 412 ELFERS FL 34680 592904264 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. FOOD4KIDS BACKPACK PROGRAM OF NORTH FLORIDA 7257 NW 4TH BLVD SUITE 31 GAINESVILLE FL 32607 452966938 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR FOOD. NAMI LEE COUNTY INC 8191 COLLEGE PARKWAY FORT MYERS FL 33919 650122844 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. NAMI COLLIER COUNTY INC 6216 TRAIL BOULEVARD NAPLES FL 34108 650047747 501(C)(3) 20000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. NAMI POLK COUNTY PO BOX 2562 EATON PARK FL 33840 592600811 501(C)(3) 15000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. NAMI PINELLAS COUNTY FLORIDA INC 8800 49TH STREET NORTH PINELLAS PARK FL 33782 592819044 501(C)(3) 15000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. NAMI SARASOTA AND MANATEE CO INC 2911 FRUITVILLE RD SARASOTA FL 34237 592464505 501(C)(3) 15000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. COMMUNITY ACTIONS ABUSE INC PO BOX 414 ST PETERSBURG FL 33731 592114359 501(C)(3) 10000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. US INSTITUTE AGAINST HUMAN TRAFFICKING PO BOX 272463 TAMPA FL 33688 592909861 501(C)(3) 10000 TO RAISE FUNDS TO STOP HUMAN TRAFFICKING NAMI GAINESVILLE INC PO BOX 358703 GAINESVILLE FL 32635 453612306 501(C)(3) 10000 COVID RELIEF FUNDS USED FOR MENTAL HEALTH. SUNRISE OF PASCO COUNTY INC 12724 SMITH ROAD DADE CITY FL 33525 592284119 501(C)(3) 10000 COVID RELIEF TO ASSIST DOMESTIC VIOLENCE, EMOTIONAL, AND FINANCIAL DISTRESS. 31 2 X 1 1 X X X 0 1 0 KEVIN JOHNSON PRESIDENT/CEO 677335 0 56566 0 64474 0 140541 0 25075 0 963991 0 56566 0 JULIE A RENDEROS EXECUTIVE VP/CFO 329687 0 36726 0 18990 0 72741 0 22037 0 480181 0 36726 0 DARLENE JOHNSON CHIEF OPERATING OFFICER 276286 0 25417 0 10292 0 67047 0 26178 0 405220 0 25417 0 VICTORIA LOVETT CHIEF LENDING OFFICER 282284 0 28882 0 11294 0 69131 0 11456 0 403047 0 28882 0 GARY J VIEN CHIEF ADMINISTRATIVE OFFICER 257768 0 28599 0 14417 0 68244 0 32796 0 401824 0 28599 0 OKSANA SHERMAN RETAIL MORTGAGE LOAN OFFICER 30641 0 313252 0 998 0 11491 0 14994 0 371376 0 0 0 MELVA MCKAY-BASS SVP/BUSINESS DEVELOPMENT 237576 0 27416 0 11089 0 56352 0 29609 0 362042 0 27416 0 MICHAEL PARKS CHIEF INFORMATION OFFICER 228126 0 16709 0 10309 0 57858 0 26227 0 339229 0 0 0 DONALD D BURT WEALTH ADVISOR 57176 0 191171 0 759 0 14837 0 26012 0 289955 0 0 0 BENJAMIN FELDER GENERAL COUNSEL 207171 0 19656 0 9473 0 13131 0 25934 0 275365 0 0 0 AILEEN RODRIGUEZ RETAIL MORTGAGE LOAN OFFICER 30004 0 209129 0 1112 0 12953 0 17755 0 270953 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS AND SPOUSES: INCLUDES SPOUSE TRAVEL FOR BOARD OF DIRECTORS MEMBERS AND EXECUTIVE LEVEL EMPLOYEES; ALL OF WHICH IS TAXABLE COMPENSATION. PART I, LINE 4B 457(B) NON-QUALIFIED DEFERRED-COMPENSATION PLAN - SUNCOAST CREDIT UNION ALLOWS ELIGIBLE HIGHLY COMPENSATED EMPLOYEES TO DEFER A SPECIFIC AMOUNT OF EARNED AND PAID WAGES; ALL OF WHICH IS UNDER PRE-TAX INCOME FOR INVESTMENT TOWARDS RETIREMENT. PARTICIPATING EMPLOYEES DO NOT PAY CURRENT FEDERAL INCOME TAXES ON THE AMOUNTS DEFERRED. THE DEFERRED AMOUNTS, PLUS EARNINGS, ARE PAID TO THE EXECUTIVE AT A LATER DATE, USUALLY WHEN THEY RETIRE AND ARE POSSIBLY IN A LOWER TAX BRACKET. THE CREDIT UNION DOES NOT CONTRIBUTE TO THIS BENEFIT PLAN AT THIS TIME. THE EMPLOYER OWNS THE FUNDING ACCOUNT WITH AN AGREEMENT TO PAY THE PROCEEDS TO THE EMPLOYEE WHEN THEY LEAVE THE COMPANY. PARTICIPANTS ARE 100% VESTED AT ALL TIMES. THE AGGREGATE BENEFIT PAYABLE TO ALL PARTICIPATING EMPLOYEES APPROXIMATED $1,748,000 AS OF DECEMBER 31, 2020. PARTICIPANTS INCLUDED KEVIN JOHNSON (CEO), JULIE RENDEROS (CFO) GARY VIEN (CAO) AND VICTORIA LOVETT (CLO). COLLATERAL ASSIGNMENT SPLIT DOLLAR AGREEMENT - DURING 2019, THE CREDIT UNION ESTABLISHED A POST-RETIREMENT BENEFIT PLAN FOR THE CEO KNOWN AS A COLLATERAL ASSIGNMENT SPLIT DOLLAR AGREEMENT. TO FACILITATE THE BENEFIT PLAN, THE CREDIT UNION ISSUED THE EXECUTIVE A PROMISSORY NOTE FOR THE PURPOSE OF PURCHASING TWO LIFE INSURANCE POLICIES. THE PURPOSE OF THE FIRST POLICY IS TO REPAY THE EXECUTIVE'S LOAN BALANCE, PLUS ACCRUED INTEREST, UPON THE EXECUTIVE'S DEATH. THE SECOND POLICY PROVIDES FOR FUTURE POLICY LOANS AND DEATH BENEFIT PROTECTION FOR THE EXECUTIVE. THAT IS, PER THE CONTRACTUAL AGREEMENT, THE EXECUTIVE MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE BENEFIT POLICY TO SUPPLEMENT RETIREMENT INCOME. THE OUTSTANDING LOAN RECEIVABLE APPROXIMATED $15,019,000 AS OF DECEMBER 31, 2020. KEVIN JOHNSON CHIEF EXECUTIVE OFFICER TO FUND LIFE INSURANCE PREMIUMS ASSOCIATED WITH CASD X 14200000 15018655 0 1 1 15018655 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS OWNED BY ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A ALL MEMBERS HAVE THE RIGHT TO VOTE TO ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B A VOTE BY THE MEMBERS IS REQUIRED FOR CHANGES TO THE CREDIT UNION'S CHARTER. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY SENIOR STAFF AND BY THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C THE CREDIT UNION'S BYLAWS ADDRESS THE PROHIBITION OF CONFLICTS OF INTEREST FOR DIRECTORS, COMMITTEE MEMBERS, OFFICERS, AGENTS, AND EMPLOYEES OF THE CREDIT UNION. BOARD MEMBERS ARE DISQUALIFIED FROM DELIBERATION ON ITEMS IN WHICH THEY HAVE A PERSONAL INTEREST. FURTHER, THE CREDIT UNION HAS A FORMAL VENDOR MANAGEMENT PROGRAM AND POLICY THAT IS MANAGED AND MONITORED BY THE COMPLIANCE VICE PRESIDENT AND PURCHASING DIRECTOR. COMPREHENSIVE DUE DILIGENCE IS PERFORMED WITH EACH NEW VENDOR AND IS AN ONGOING REQUIREMENT FOR VENDORS PAID OVER $300,000 ANNUALLY. EXCEPTIONS TO THE VENDOR MANAGEMENT POLICY ARE REVIEWED AND APPROVED BY THE ALCO COMMITTEE ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 A COMPARATIVE REVIEW OF THE CEO'S SALARY IS PERFORMED USING THE CUNA CEO SALARY SURVEY AND IS THEN REVIEWED AND APPROVED BY THE SCU EXECUTIVE BOARD AND FULL BOARD. THE CEO APPROVES ALL OFFICER AND KEY EMPLOYEE SALARIES. COMPARABLE SALARY DATA FOR EMPLOYEES IS PROVIDED BY MERCER CONSULTING GROUP AND PAYFACTORS COMPENSATION AND IS REVIEWED BY SENIOR STAFF. MERIT INCREASES ARE BASED ON PERFORMANCE RATINGS, CALCULATED AND DISCRETIONARY FACTORS INCLUDING COMPA RATIO, TIME WITH SUNCOAST CREDIT UNION AND TIME IN ROLE. FORM 990, PART VI, SECTION C, LINE 18 THROUGH PUBLIC WEBSITES SUCH AS GUIDESTAR. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE UPDATED MONTHLY AND DISPLAYED ON THE LOBBY MONITORS IN ALL BRANCHES, WITH AN ANNUAL REPORT AVAILABLE AT THE ANNUAL MEMBER MEETING AND ON THE SUNCOAST CREDIT UNION WEBSITE. QUARTERLY FINANCIAL DATA IS ALSO AVAILABLE ON THE NCUA'S WEBSITE. THE ORGANIZATION DOES NOT DISCLOSE THEIR GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY. FORM 990, PART IX, LINE 11G RETIREMENT PLAN ADMIN EXPENSE 3,500. FORM 990, PART IX, LINE 24E ATM FEES 4,625,234. MORTGAGE FEES 4,336,626. MISC EXPENSE 500,647. TELLER CASH OVER/(SHORT) 24,581. FORM 990, PART XI, LINE 9: HOLDING GAINS ON EQUITY SECURITIES 5,057,370. 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. MEMBERS TITLE AGENCY LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 593673450 TITLE INSURANCE FL 4176032 24666341 SUNCOAST CREDIT UNION MEMBERS INSURANCE CENTER LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 201399753 INSURANCE FL 11484024 48896277 SUNCOAST CREDIT UNION SUNCOAST REALTY SOLUTION LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 475609072 REAL ESTATE FL 498641 872190 SUNCOAST CREDIT UNION SUNCOAST REALTY SOLUTIONS REFERRAL LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 831075751 REAL ESTATE REFFERRAL SERVICE FL 0 10084 SUNCOAST CREDIT UNION SUNCOAST CREDIT UNION FOUNDATION 6801 E HILLSBOROUGH AVE TAMPA FL 33610 593037324 FUNDRAISING, CHARITABLE CONTRIBUTIONS, AND AWARDING SCHOARSHIPS FL 501(C)(3) LINE 10 SUNCOAST CREDIT UNION 0 EMPLOYEE BENEFIT TRUST 6801 E HILLSBOROUGH AVE TAMPA FL 33610 TRUST FUND FL SUNCOAST CREDIT UNION T 694594 43592480 1.00000 0 CHARITABLE LEAD TRUST 6801 E HILLSBOROUGH AVE TAMPA FL 33610 TRUST FUND FL SUNCOAST CREDIT UNION T 449665 27860686 1.00000 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 1 0 0 0 0 SUNCOAST CREDIT UNION FOUNDATION B 3876278 ACTUAL CASH CONTRIBUTION SUNCOAST CREDIT UNION FOUNDATION O 137504 ACTUAL COMPENSATION