STATE CHARTERED CREDIT UNIONS IN FLORIDA: Form 990, tax year 2013

View the entire original 990 at ProPublica ↗

Organization: STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 59-0873652)
Tax period: 2013-01-01 to 2013-12-31
Filed: 2014-08-13
IRS object ID: 201412259349301401
Schema version: 2013v3.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2014-08-13T10:55:11-00:00	ReturnTs
Tax Period End	2013-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	ORTH CHAKLER MURNANE AND CO CPAs	BusinessNameLine1

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 SW 129 COURT SUITE 201	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	33186	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2013-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	590873652	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ENVISION CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Business Name Control	ENVI	BusinessNameControlTxt
Phone	8509429000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 5198	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32314	ZIPCode

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DARRYL WORRELL	PersonNm
Person Title	CEO	PersonTitleTxt
Signature	2014-08-13	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	DOUGLAS ORTH	PreparerPersonNm
Phone	3052328272	PhoneNum
Preparation	2014-08-13	PreparationDt

Field	Value	IRS element (for citing)
Tax	2013	TaxYr
Build TS	2016-02-25 16:41:14Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Address PrincipalOfcrBusinessAddress

Field	Value	IRS element (for citing)
Business Name Line1	DARRYL WORRELL	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	440 N MONROE STREET	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32301	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	$53,278,653	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Group Exemption	2106	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	www.envisioncu.com	WebsiteAddressTxt
Type Of Organization Other	Yes (X)	TypeOfOrganizationOtherInd
Other Organization Dsc	CREDIT UNION	OtherOrganizationDsc
Formation	1954	FormationYr
Legal Domicile State	FL	LegalDomicileStateCd
Activity Or Mission	TO SAFEGUARD AND MANAGE EFFECTIVELY THE ASSETS ENTRUSTED TO THE CREDIT UNION BY ITS MEMBER-OWNERS TO BETTER THE ECONOMIC WELL BEING OF OUR MEMBER-OWNERS BY DELIVERING CONVENIENT PERSONALIZED PRODUCTS AND SERVICES OF EXCEPTIONAL VALUE TO PROMOTE THE CREDIT UNION PHILOSOPHY PEOPLE HELPING PEOPLE.	ActivityOrMissionDesc
Voting Members Governing Body	5	VotingMembersGoverningBodyCnt
Voting Members Independent	5	VotingMembersIndependentCnt
Total Employee	160	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$277,239	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$86,204	NetUnrelatedBusTxblIncmAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$13,022,037	PYProgramServiceRevenueAmt
CY Program Service Revenue	$13,039,742	CYProgramServiceRevenueAmt
PY Investment Income	$2,214,422	PYInvestmentIncomeAmt
CY Investment Income	$1,784,403	CYInvestmentIncomeAmt
PY Other Revenue	$2,573,863	PYOtherRevenueAmt
CY Other Revenue	$3,628,778	CYOtherRevenueAmt
PY Total Revenue	$17,810,322	PYTotalRevenueAmt
CY Total Revenue	$18,452,923	CYTotalRevenueAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$5,880,051	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$5,212,925	CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$9,806,777	PYOtherExpensesAmt
CY Other Expenses	$11,185,585	CYOtherExpensesAmt
PY Total Expenses	$15,686,828	PYTotalExpensesAmt
CY Total Expenses	$16,398,510	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,123,494	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,054,413	CYRevenuesLessExpensesAmt
Total Assets BOY	$242,585,733	TotalAssetsBOYAmt
Total Assets EOY	$263,924,609	TotalAssetsEOYAmt
Total Liabilities BOY	$222,798,850	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$243,139,445	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$19,786,883	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$20,785,164	NetAssetsOrFundBalancesEOYAmt
Mission	MEET MEMBERS FINANCIAL NEEDS THROUGH QUALITY SERVICE AT THE BEST VALUE WHILE MAINTAINING FINANCIAL STABILITY.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.	Desc
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	Yes (true)	PoliticalCampaignActyInd
Subject To Proxy Tax	false	SubjectToProxyTaxInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Temp Or Permanent Endowments	false	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	false	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	false	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	false	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	Yes (true)	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
Info In Schedule O Part V	Yes (X)	InfoInScheduleOPartVInd
IRP Document	9295	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	160	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	false	RcvFndsToPayPrsnlBnftCntrctInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	5	GoverningBodyVotingMembersCnt
Independent Voting Member	5	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	false	LocalChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (true)	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	MR DARRYL WORRELL	PersonNm
Phone	8509429000	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	440 N MONROE ST	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32301	ZIPCode

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Key EmployeeKeyEmployeeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
TB PERRIN
BOD 2ND V. CHAIR	001.00	001.00	Yes (X)	$600	$0	$0
M C BRYANT
BOD CHAIR	001.00	001.00	Yes (X)	$600	$0	$0
K SAMUEL
BOD 1ST V. CHAIR	001.00	001.00	Yes (X)	$600	$0	$0
J CROTEAU
BOD SECRETARY	001.00	001.00	Yes (X)	$600	$0	$0
S MCCALL
BOD TREASURER	001.00	001.00	Yes (X)	$600	$0	$0
DG WORRELL
PRESIDENT/CEO	040.00	040.00		$290,358	$0	$34,867	Yes (X)
M W HAMBRICK
SVP/CFO	040.00	040.00		$146,264	$0	$8,778	Yes (X)
A R PROSSER
SVP/CAO	040.00	040.00		$145,320	$0	$24,679		Yes (X)
H M MADDOX
SVP/MEMBER SERVICES	040.00	040.00		$140,377	$0	$14,099			Yes (X)
E GRINER
SVP/PAYMENT SYSTEMS	040.00	040.00		$112,717	$0	$25,358			Yes (X)
S T WOOD
AVP/HOME LOANS	040.00	040.00		$99,468	$0	$5,248			Yes (X)
AB HUTCHINSON
INTERNAL HOME LOAN OFFICER	040.00	040.00		$100,603	$0	$11,215			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,038,107	TotalReportableCompFromOrgAmt
Total Other Compensation	$124,244	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1	CityContractorAddress/USAddress/City	StateContractorAddress/USAddress/State	ZIP CodeContractorAddress/USAddress/ZIPCode	ServicesServicesDesc	CompensationCompensationAmt
CADE & ASSOCIATES ADVERTISING INC
1645 METROPOLITAN BLVD	TALLAHASSEE	FL	32308	ADVERTISING MATERIAL PRODUCTION	$146,199
FIS
11601 N ROOSEVELT BLVD	ST PETERSBURG	FL	33716	PLASTICS SERVICER	$1,747,605
ONLINE RESOURCES
PO BOX 418410	BOSTON	MA	022418410	ONLINE BILL PAY SERVICER	$379,536
UNITED SOLUTIONS COMPANY
PO BOX 5496	TALLAHASSEE	FL	32314	DATA PROCESSOR/COLLECTIONS/SERVICER	$1,500,185
COMMERCIAL MAINTENANCE
3550 LAKESHORE DRIVE	TALLAHASSEE	FL	32312	MAINTENANCE/FACILITIES PROVIDER SERVICE MANAGER	$428,582

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	9	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST INCOME ON LOANS	522100	$8,782,845	$8,782,845
FEES/CHARGES/OTHER	522100	$3,979,658	$3,979,658
NON MEMBER ATM FEES	900099	$261,474		$261,474
NON MEMBER CHECK CASHING FEES	900099	$15,765		$15,765

Field	Value	IRS element (for citing)
Total Program Service Revenue	$13,039,742	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$950,059	TotalRevenueColumnAmt
Related Or Exempt Func Income	$950,059	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$3,452,363	SecuritiesAmt
Other	$32,207,711	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$3,406,826	SecuritiesAmt
Other	$31,418,904	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$45,537	SecuritiesAmt
Other	$788,807	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$834,344	TotalRevenueColumnAmt
Related Or Exempt Func Income	$834,344	RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
MISCELLANEOUS INCOME	522100	$3,442,896	$3,442,896
NET GAIN ON ASSETS	522100	$185,882	$185,882

Field	Value	IRS element (for citing)
Other Revenue Total	$3,628,778	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$18,452,923	TotalRevenueColumnAmt
Related Or Exempt Func Income	$18,175,684	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$277,239	UnrelatedBusinessRevenueAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Foreign Grants ForeignGrantsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$653,266	TotalAmt
Program Services	$653,266	ProgramServicesAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$3,638,831	TotalAmt
Program Services	$3,638,831	ProgramServicesAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$151,781	TotalAmt
Program Services	$151,781	ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$405,931	TotalAmt
Program Services	$405,931	ProgramServicesAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$363,116	TotalAmt
Program Services	$363,116	ProgramServicesAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$294,644	TotalAmt
Program Services	$294,644	ProgramServicesAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$48,486	TotalAmt
Program Services	$48,486	ProgramServicesAmt

Fees For Services Lobbying FeesForServicesLobbyingGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Field	Value	IRS element (for citing)
Fees For Services Prof Fundraising		FeesForServicesProfFundraising

Fees For Srvc Invst Mgmnt Fees FeesForSrvcInvstMgmntFeesGrp

Field	Value	IRS element (for citing)
Total	$318,208	TotalAmt
Program Services	$318,208	ProgramServicesAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$587,248	TotalAmt
Program Services	$587,248	ProgramServicesAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$540,413	TotalAmt
Program Services	$540,413	ProgramServicesAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$1,477,714	TotalAmt
Program Services	$1,477,714	ProgramServicesAmt

Royalties RoyaltiesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$172,091	TotalAmt
Program Services	$172,091	ProgramServicesAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$32,522	TotalAmt
Program Services	$32,522	ProgramServicesAmt

Pymt Travel Entrtnmnt Pub Ofcl PymtTravelEntrtnmntPubOfclGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$86,666	TotalAmt
Program Services	$86,666	ProgramServicesAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$527,535	TotalAmt
Program Services	$527,535	ProgramServicesAmt

Payments To Affiliates PaymentsToAffiliatesGrp

Field	Value	IRS element (for citing)
Total	$57,066	TotalAmt
Program Services	$57,066	ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$769,743	TotalAmt
Program Services	$769,743	ProgramServicesAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$145,614	TotalAmt
Program Services	$145,614	ProgramServicesAmt

Other Expenses OtherExpensesGrp

Field	Value	IRS element (for citing)
Desc	SEE ATTACHED SCHEDULE	Desc
Total	$6,127,635	TotalAmt
Program Services	$6,127,635	ProgramServicesAmt

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$0	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$16,398,510	TotalAmt
Program Services	$16,398,510	ProgramServicesAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$28,938,849	BOYAmt
EOY	$18,228,713	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
EOY	$1,000,000	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$1,684,002	BOYAmt
EOY	$1,935,453	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$5,851,580	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$138,878,813	BOYAmt
EOY	$153,074,295	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$239,460	BOYAmt
EOY	$218,147	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$16,560,426	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,212,387	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$10,595,833	BOYAmt
EOY	$10,348,039	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$48,197,033	BOYAmt
EOY	$59,739,651	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$1,433,876	BOYAmt
EOY	$814,077	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$12,617,867	BOYAmt
EOY	$12,714,654	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$242,585,733	BOYAmt
EOY	$263,924,609	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$7,004,640	BOYAmt
EOY	$4,918,322	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
EOY	$10,000,000	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$215,794,210	BOYAmt
EOY	$228,221,123	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$222,798,850	BOYAmt
EOY	$243,139,445	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$19,786,883	BOYAmt
EOY	$20,785,164	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$19,786,883	BOYAmt
EOY	$20,785,164	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$242,585,733	BOYAmt
EOY	$263,924,609	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$2,054,413	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$1,010,595	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$45,537	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$1,468	PoliticalExpendituresAmt
Expended527 Activities	$1,468	Expended527ActivitiesAmt
Total Exempt Function Expend	$1,468	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (true)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CREDIT UNION POLITICAL ACTION COMMITTEE	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3773 COMMONWEALTH BLVD	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32303	ZIPCode

Field	Value	IRS element (for citing)
EIN	590246163	EIN
Paid Internal Funds	$1,458	PaidInternalFundsAmt

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Incl Escrow Custodial Acct Liab	false	InclEscrowCustodialAcctLiabInd

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,087,604	OtherCostOrOtherBasisAmt
Book Value	$4,087,604	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,614,998	OtherCostOrOtherBasisAmt
Depreciation	$3,179,795	DepreciationAmt
Book Value	$5,435,203	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,857,824	OtherCostOrOtherBasisAmt
Depreciation	$3,032,592	DepreciationAmt
Book Value	$825,232	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$10,348,039	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (2 entries)

DescDesc
Financial derivatives and other financial products
Closely-held equity interests

Other Liabilities Org OtherLiabilitiesOrgGrp (7 entries)

DescDesc	AmtAmt
Federal income taxes
CHECKING ACCOUNTS	$57,182,333
REGULAR SHARES	$76,740,917
MONEY MARKET	$59,489,920
CERTIFICATES	$12,725,499
IRA/KEOGH	$16,204,852
OTHER DEPOSITS	$5,877,602

Field	Value	IRS element (for citing)
Total Liability	$228,221,123	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	X 2	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL TAXES HOWEVER, THE CONSOLIDATED SUBSIDIARY IS NOT EXEMPT. USC ACCOUNTS FOR INCOME TAXES IN ACCORDANCE WITH THE PROVISIONS OF THE INCOME TAXES TOPIC OF THE FASB ASC. THE STATEMENT REQUIRES THAT DEFERRED INCOME TAXES REFLECT TAX CONSEQUENCES ON THE FUTURE YEARS OF DIFFERENCES BETWEEN THE TAX BASIS OF ASSETS AND LIABILITIES AD THEIR BASIS FOR FINANCIAL REPORTING PURPOSES. IN ADDITION, THIS TOPIC REQUIRES THE RECOGNITION OF FUTURE TAX BENEFITS, SUCH AS NET OPERATING LOSS CARRY FORWARDS, TO THE EXTENT THAT REALIZATION OF SUCH BENEFITS ARE MORE LIKELY THAN NOT. DEFERRED TAXES ARE PROVIDED FOR PURPOSES OF REPORTING ON TEMPORARY DIFFERENCES BETWEEN ACCOUNTING AND TAXABLE INCOME. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE MORE LIKELY THAN NOT STANDARD FOR SUSTAINABILITY UPON EXAMINATION BY TAX AUTHORITIES. THE CREDIT UNION IS A STATE-CHARTERED CREDIT UNION AS DEFINED IN INTERNAL REVENUE CODE IRC SECTION 501C14. AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES DIRECTLY RELATED TO ITS EXEMPT PURPOSES. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME UBI DERIVED BY STATE-CHARTERED CREDIT UNIONS. BEGINNING IN MARCH 2008, THE INTERNAL REVENUE SERVICE RELEASED TECHNICAL ADVICE MEMORANDUMS TAMS TO SPECIFIC STATE CHARTERED CREDIT UNIONS SPECIFYING THE REVENUE SOURCES SUBJECT TO UNRELATED BUSINESS INCOME TAX UBIT. UBI MAY ALSO BE SUBJECT TO TAX IN CERTAIN STATES. MANAGEMENT HAS ASSESSED THE CREDIT UNIONS ACTIVITIES AND ANY POTENTIAL FEDERAL OR STATE INCOME TAX LIABILITY AND DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. ADDITIONALLY, NO INTEREST AND PENALTIES HAVE BEEN RECORDED IN THE ACCOMPANYING CONSOLIDATED FINANCIAL STATEMENTS RELATED TO UNCERTAIN TAX POSITIONS. CURRENTLY, THE 2012, 2011, AND 2010 FEDERAL INCOME TAX RETURNS ARE OPEN FOR EXAMINATION BY THE IRS. THE FILING YEARS OPEN FOR EXAMINATION BY THE STATE, IF APPLICABLE, MAY BE EQUAL TO, GREATER THAN OR LESS THAN THE YEARS OPEN FOR EXAMINATION BY THE IRS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt
DG WORRELL
PRESIDENT/CEO	$239,588	$40,635	$10,135	$17,574	$17,293	$325,225
M W HAMBRICK
SVP/CFO	$131,147	$13,935	$1,182	$3,089	$5,689	$155,042
A R PROSSER
SVP/CAO	$124,181	$19,563	$1,576	$19,071	$5,608	$169,999
H M MADDOX
SVP/MEMBER SERVICES	$127,305	$12,838	$234	$8,502	$5,597	$154,476

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Part I Line 4b	FormAndLineReferenceDesc
Explanation	THE FOLLOWING EMPLOYEES PARTICIPATE IN A 457f PLAN ANICE PROSSER BALANCE AS OF 12/31/13 36,696 EDITH GRIER BALANCE AS OF 12/31/13 31,688.	ExplanationTxt

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	DARRYL WORRELL	PersonNm
Relationship With Org	CEO	RelationshipWithOrgTxt
Loan Purpose	FUND LIFE INSURANCE PURCHASE	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$5,851,580	OriginalPrincipalAmt
Balance Due	$5,851,580	BalanceDueAmt
Default	false	DefaultInd
Board Or Committee Approval	Yes (true)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (true)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$5,851,580	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
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. EACH MEMBER HAS ONLY ONE VOTE IT IS NOT POSSIBLE FOR A SINGLE MEMBER TO ELECT A MEMBER TO THE GOVERNING BODY.
Form 990, Part VI, Section B, Line 11B	WHEN THE FORM 990 HAS BEEN COMPLETED BY THE CPA FIRM AND RECEIVED BY ECU, IT IS REVIEWED FIRST BY THE CFO FOR ACCURACY, THEN WITH THE CEO AND LATER PRESENTED TO THE LEADERSHIP TEAM COMPOSED OF THE SENIOR VICE PRESIDENTS.
Form 990, Part V, Section B, Line 12C	COMPLIANCE WITH THE CREDIT UNIONS OFFICER, DIRECTOR, AND EMPLOYEE POLICIES REGARDING CONFLICTS OF INTEREST ARE ADDRESSED IN THE RELATED POLICIES.
Form 990, Part VI, Section B, Line 15AB	IT IS THE POLICY OF THE CREDIT UNION TO PAY COMPENSATION THAT IS NONDICRIMINATORY AND COMPETITIVE. HOWEVER, ALL COMPENSATION POLICY DECISIONS MUST TAKE INTO CONSIDERATION, ENVISION CREDIT UNIONS OVERALL FINANCIAL CONDITION AND COMPETITIVE POSITION.
Form 990, Part VI, Section C, Line 19	THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILALBE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON THE NCUA WEBSITE, VIA THE QUARTERLY 5300 FILING.
Form 990, Part XI, Line 9	RECLASSIFICATION ADJUSTMENTS FOR NET GAINS INCLUDED IN NET INCOME.
Form 990, Part VI, Section A, Line 7B	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 XI, Line 9	RECLASSIFICATION ADJUSTMENTS FOR NET GAINS INCLUDED IN NET INCOME.

Schedule R IRS990ScheduleR

Id Related Org Txbl Partnership IdRelatedOrgTxblPartnershipGrp (2 entries)

Address Line1USAddress/AddressLine1	CityUSAddress/City	StateUSAddress/State	ZIP CodeUSAddress/ZIPCode	EINEIN	Primary ActivitiesPrimaryActivitiesTxt	Legal Domicile StateLegalDomicileStateCd	Direct Controlling NADirectControllingNACd	Predominant Income TypePredominantIncomeTypeTxt	Share Of Total IncomeShareOfTotalIncomeAmt	Share Of EOY AssetsShareOfEOYAssetsAmt	Disproportionate AllocationsDisproportionateAllocationsInd	General Or Managing PartnerGeneralOrManagingPartnerInd	OwnershipOwnershipPct
UNITED MEMBER BUSINESS SERVICES LLC
440 NORTH MONROE STREET	TALLAHASSEE	FL	32301	261991154	COMMERCIAL LENDING	FL	N/A	Related	$91,965	$20,348	false	false	0.33330
iDRIVE LENDING LLC
2806 SHARER ROAD	TALLAHASSEE	FL	32312	461603351	INDIREDCT AUTO LENDING	FL	N/A	Related	$81,418	$11,214	false	false	0.50000

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	UNITED SOLUTIONS COMPANY	BusinessNameLine1

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 5496	AddressLine1
City	TALLAHASSEE	City
State	FL	State
ZIP Code	32314	ZIPCode

Field	Value	IRS element (for citing)
EIN	592285914	EIN
Primary Activities	CU SERVICES	PrimaryActivitiesTxt
Legal Domicile State	FL	LegalDomicileStateCd
Direct Controlling NA	N/A	DirectControllingNACd
Entity Type	C Corp	EntityTypeTxt
Share Of Total Income	$4,296,701	ShareOfTotalIncomeAmt
Share Of EOY Assets	$5,065,526	ShareOfEOYAssetsAmt
Ownership	0.51380	OwnershipPct
Controlled Organization	false	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	false	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	false	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	false	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	Yes (true)	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	false	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	false	DivRelatedOrganizationInd
Asset Sale To Other Org	false	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	false	AssetPurchaseFromOtherOrgInd
Asset Exchange	false	AssetExchangeInd
Rental Of Facilities To Oth Org	false	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	false	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	false	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	false	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	false	SharingOfFacilitiesInd
Paid Employees Sharing	false	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	false	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	false	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	false	TransferToOtherOrgInd
Transfer From Other Org	false	TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp

Other Organization Name OtherOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	UNITED SOLUTIONS COMPANY	BusinessNameLine1

Field	Value	IRS element (for citing)
Transaction Type	d	TransactionTypeTxt
Involved	$3,683,380	InvolvedAmt
Method Of Amount Determination	PRINCIPAL BALANCE	MethodOfAmountDeterminationTxt