2016-05-06T10:30:37-07:00 2015-12-31 990 2015-01-01 590653174 STATE CHARTERED CREDIT UNIONS IN FLORIDA - BRIGHTSTAR CREDIT UNION STAT 9544862728 PO Box 8966 Fort Lauderdale FL 333108966 Biana Murnane CFO/VP 9548095185 2016-05-06 2015 2016-09-27 15:27:22Z Mike Tomko PO Box 8966 Fort Lauderdale FL 333108966 30423104 0 X www.bscu.org X Credit Union 1946 FL Credit Union 7 7 203 10 47091 -18844 0 0 17601178 14029967 1591204 1496298 9745530 9568503 28937912 25094768 0 0 0 0 7365782 7636494 0 0 0 28142474 11569153 35508256 19205647 -6570344 5889121 429884449 429074891 392012040 387588465 37872409 41486426 Credit Union 0 0 19205647 0 25094768 Income from Credit Union membership and from investments of members funds provided the foundation from which the organization can function and provide services to its restricted membership. 0 0 0 19205647 0 0 0 0 0 0 0 1 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 5538 0 1 203 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 0 1 1 1 1 1 1 1 0 FL X Biana Murnane 9544862728 5901 Del Lago Circle Sunrise FL 333136341 William Hennessey Board Member 4 0 X 0 0 0 Kevin Cronin Board Member 4 0 X 0 0 0 Dorothy J Orr Chairman 4 0 X 0 0 0 John Quercia Board Member 4 0 X 0 0 0 Colin Battle Board Member & Interim CEO 10 0 X X 0 0 0 James Notter Board Member 5 0 X 0 0 0 Brian Sullivan Board Member 5 0 X 0 0 0 Vanessa Gregory VP HR 40 0 X 73272 0 5606 Kevin Radtke VP IT 40 0 X 139629 0 19011 Biana Murnane VP Finance & CFO 40 0 X 197859 0 17413 George Sellitto VP Lending 40 0 X 151093 0 770 Panzina Hill VP HR 40 0 X 68483 0 4625 Dennis Leiva VP Operations 40 0 X 68767 0 280 Michael Tomko President & CEO 40 0 X X 239654 0 55089 Samuel Chesser VP Marketing 40 0 X 94631 0 8774 Michael Molaka VP Operations 40 0 X 86289 0 3594 Ralph Crockett Exec Director/CEO 0 0 X 174046 0 16410 1293723 0 131572 5 1 1 0 Martin & Bennis PA 319 SE 14 St Ft Lauderdale FL 33316 Attorneys 151087 Allied Barton Security 161 Washington Street Suite 600 Conshohocken PA 19428 Security 115518 Williams Gautier Gwynn Deloach & Sorenson PA PO Box 4128 Tallahassee FL 323154128 Attorneys 141509 0 Member loan interest income 522130 14029967 14029967 0 0 0 0 0 0 14029967 2370511 2370511 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4454123 0 5328336 0 -874213 -874213 -874213 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Member fees and charges 522130 5581718 5581718 0 0 Other Operating Income 522130 3986785 3939694 47091 0 0 0 0 0 9568503 25094768 25047677 47091 0 0 0 0 0 437513 6282524 0 -340519 639082 617894 0 125866 86764 0 0 0 0 1033621 4247722 673236 0 1373341 21887 0 145370 0 0 723546 0 Interest on member's account 1278592 Provision for loan losses -674766 Loan Servicing Expense 2533974 0 19205647 0 0 0 7144190 8308141 0 0 0 0 1610383 542993 138260 118230 0 0 265302695 247366943 0 0 5611514 4938921 21106169 9554517 11772877 11551652 128015698 146835834 0 0 0 0 0 0 10288832 9412177 429884449 429074891 3526203 3937559 0 0 0 0 0 0 250224 351739 0 0 0 0 0 0 388235613 383299167 392012040 387588465 X 0 0 0 0 37872409 41486426 37872409 41486426 429884449 429074891 X 5889121 -1093868 0 0 0 -1181236 X 0 1 X 1 0 0 1 X 2847015 0 2847015 10254460 0 3533819 6720641 1115277 0 547709 567568 6889417 0 5472989 1416428 0 0 0 0 11551652 0 Member's accounts 383299167 383299167 25094768 0 0 0 0 0 25094768 0 0 0 25094768 19205647 0 0 0 0 0 19205647 0 0 0 19205647 Schedule D, Part IV, Line 2b Funds held in escrow for members with mortgage loans to make home owner tax and insurance payments on their behalf. X 1 1 X 1 1 0 Michael Tomko President & CEO 239654 0 0 0 0 0 0 0 5192 0 244846 0 0 0 Biana Murnane VP Finance & CFO 170385 0 27474 0 0 0 0 0 6357 0 204216 0 0 0 Ralph Crockett Exec Director/CEO 174046 0 0 0 0 0 0 0 0 0 174046 0 0 0 George Sellitto VP Lending 130785 0 20308 0 0 0 0 0 0 0 151093 0 0 0 Schedule J, Part I, Line 1a Travel for accompanying spouse of Board Member is paid for. Schedule J, Part I, Line 3 Compensation is approved by the Board. Schedule J, Part I, Line 4 Severance pay to former CEO. Dorothy Orr Board Member Auto Loan X 40723 31678 0 1 1 Colin Battle Board Member Mortgage Loan X 76400 43262 0 1 1 Kevin Cronin Board Member Auto Loan X 42392 32877 0 1 1 Ignatius Leong Board Member Home Equity Loan X 40000 7491 0 1 1 Various Various Unsecured Credit Card Loans X 2922 2922 0 1 1 118230 Form 990, Part VI, Section A, Line 6 Credit Union is members driven. Form 990, Part VI, Section A, Line 7a Members elect board members. Form 990, Part VI, Section B, Line 11b Form 990 is reviewed and approved by the CFO before being submitted. Form 990, Part VI, Section B, Line 12c Policies and procedures and compliance to these are subject to audits by internal/external auditors. Form 990, Part VI, Section B, Line 15 All salaries are approved by the Board. Form 990, Part VI, Section C, Line 19 Upon request. Form 990, Part XI, Line 9 Unrealized Defined Benefit Pension Costs.