2014-05-12T15:21:09-07:00 2013-12-31 990 2013-01-01 590653174 STATE CHARTERED CREDIT UNIONS IN FLORIDA - BRIGHTSTAR CU STAT 9544862728 PO Box 8966 Fort Lauderdale FL 333108966 Biana Murnane CFO/VP 9548095185 2014-05-12 2013 2015-11-30 17:44:51Z Ralph Crockett PO Box 8966 Fort Lauderdale FL 333108966 37123073 0 X www.bscu.org X Credit Union 1946 FL Credit Union 6 6 173 9 47880 -18002 0 0 17684303 20593352 965138 -1282266 9321680 10154196 27971121 29465282 0 0 0 0 6835099 7334387 0 0 0 11996663 17883312 18831762 25217699 9139359 4247583 382217389 423644579 342539085 379984104 39678304 43660475 Credit Union 0 0 25217699 29465282 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 25217699 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 7977 0 1 173 1 1 1 0 0 0 0 0 X 6 6 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 3.00 0 X 3181 0 0 Kevin Cronin Board Member 1.00 0 X 8459 0 0 Dorothy J Orr Chairman 3.00 0 X 0 0 0 John Quercia Board Member 1.00 0 X 0 0 0 Colin Battle Board Member 2.00 0 X 2876 0 0 James Notter Board Member 3.00 0 X 1319 0 0 Vanessa Gregory VP HR 40 0 X 125288 0 9807 James Egan VP Lending 40 0 X 134791 0 6191 Kevin Radtke VP IT 40 0 X 158968 0 17853 Ralph Crockett Exec Director/CEO 40 0 X X 323905 0 184919 Biana Murnane VP Finance & CFO 40 0 X 176265 0 17172 Samuel Chesser VP Marketing 40 0 X 136445 0 11952 Michael Molaka VP Operations 40 0 X 109921 0 21233 1181418 0 269127 7 0 1 0 Martin & Bennis PA 319 SE 14 St Ft Lauderdale FL 33316 Attorneys 138658 Allied Barton Security 161 Washington Street Suite 600 Conshohocken PA 19428 Security 111681 Williams Gautier Gwynn Deloach & Sorenson PA PO Box 4128 Tallahassee FL 323154128 Attorneys 119452 3 0 Member loan interest income 522130 20593352 20593352 0 0 0 0 0 0 20593352 881626 881626 0 0 0 0 0 0 0 0 0 0 0 0 0 5493899 0 7657791 0 -2163892 -2163892 -2163892 0 0 Member fees and charges 522130 6591304 6591304 0 0 Other Operating Income 522130 3562892 3515012 47880 0 0 0 0 0 10154196 29465282 29417402 47880 0 0 0 0 0 500170 5662247 0 22642 597155 552173 0 103969 122845 0 0 0 0 949128 4071960 535985 0 1086529 23237 0 222098 147 0 637044 289194 Interest on member's account 1714702 Provision for loan losses 6620048 Loan servicing expense 1506426 0 25217699 0 0 0 6276577 4897587 0 0 0 0 596728 341650 155022 125906 0 0 293709889 313126231 0 0 4073722 5206369 20097737 8450384 11357034 11647353 56537707 74400629 0 0 0 0 0 0 9510710 13898854 382217389 423644579 4103869 3633037 0 0 0 0 0 0 239668 240728 0 0 0 0 0 0 338195548 376110339 342539085 379984104 X 0 0 0 0 39678304 43660475 39678304 43660475 382217389 423644579 X 4247583 -876159 0 0 0 610747 X 0 1 X 1 0 0 1 X 2847015 0 2847015 10174566 0 3082202 7092364 824347 0 417589 406758 6251809 0 4950593 1301216 0 0 0 0 11647353 Member's accounts 376110339 376110339 29465282 0 0 0 0 0 29465282 0 0 0 29465282 25217699 0 0 0 0 0 25217699 0 0 0 25217699 Schedule D, Part IV, Line 2b Funds held in escrow for members with mortgage loans to make the home owner tax and insurance payments on their behalf. X 1 1 X 0 1 0 Ralph Crockett Exec Director/CEO 259121 0 64784 0 0 0 0 0 184919 0 508824 0 0 0 Biana Murnane VP Finance & CFO 145525 0 30740 0 0 0 0 0 17172 0 193437 0 0 0 Kevin Radtke VP IT 131315 0 27653 0 0 0 0 0 17853 0 176821 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 The Credit Union has three 457(f) plans for the CEO of the Credit Union, which were established in 2005, 2008 and 2013. Various Various Unsecured credit card loan X 10907 10907 0 1 1 Colin Battle Board Member Mortage Loan X 76400 57754 0 1 1 Kevin Cronin Board Member Home Equity Loan X 48000 12655 0 1 1 Brian Sullivan Supervisory Committee Auto Loan X 31000 20245 0 1 1 James Egan VP Auto Loan X 36000 24345 0 1 1 125906 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.