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      </InvestmentsOtherSecurities>
      <OtherAssetsTotal>
        <BOY>4233227</BOY>
        <EOY>4324513</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>277339810</BOY>
        <EOY>299100711</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>2738890</BOY>
        <EOY>3451971</EOY>
      </AccountsPayableAccruedExpenses>
      <OtherLiabilities>
        <BOY>245184001</BOY>
        <EOY>266291033</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>247922891</BOY>
        <EOY>269743004</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <RetainedEarningsEndowmentEtc>
        <BOY>29416919</BOY>
        <EOY>29357707</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>29416919</BOY>
        <EOY>29357707</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>277339810</BOY>
        <EOY>299100711</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>891249</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>-950461</ReconcilationOtherChanges>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>true</FSAudited>
      <AuditCommittee>true</AuditCommittee>
      <FinancialStatementConsolidated>X</FinancialStatementConsolidated>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleD documentId="990D" softwareId="10000149" softwareVersion="2010.2.15">
      <IncludedOnFS>false</IncludedOnFS>
      <Land>
        <OtherCostOrOtherBasis>4676679</OtherCostOrOtherBasis>
        <BookValue>4676679</BookValue>
      </Land>
      <Buildings>
        <OtherCostOrOtherBasis>4667324</OtherCostOrOtherBasis>
        <Depreciation>723390</Depreciation>
        <BookValue>3943934</BookValue>
      </Buildings>
      <Equipment>
        <OtherCostOrOtherBasis>4523388</OtherCostOrOtherBasis>
        <Depreciation>3183077</Depreciation>
        <BookValue>1340311</BookValue>
      </Equipment>
      <TotalOfBookValueLandBuildings>9960924</TotalOfBookValueLandBuildings>
      <OtherLiabilities>
        <Description>REGULAR SHARES</Description>
        <Amount>81541406</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>CHRISTMAS CLUB</Description>
        <Amount>265464</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>TIME DEPOSITS</Description>
        <Amount>28214081</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>CHECKING ACCOUNTS</Description>
        <Amount>21205062</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>ULTIMATE CHECKING</Description>
        <Amount>98273661</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>IRA ACCOUNTS</Description>
        <Amount>6870158</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>IRA CERTIFICATES</Description>
        <Amount>9253116</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>MONEY MARKETS</Description>
        <Amount>20514267</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>ESCROW</Description>
        <Amount>5577</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>REGULAR SHARE BUSINESS</Description>
        <Amount>58248</Amount>
      </OtherLiabilities>
      <OtherLiabilities>
        <Description>SHARE DRAFT BUSINESS</Description>
        <Amount>89993</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>266291033</TotalOfAmounts>
      <TotalRevenue>18822027</TotalRevenue>
      <TotalExpenses>17930778</TotalExpenses>
      <ExcessOrDeficitForYear>891249</ExcessOrDeficitForYear>
      <OtherAmount>-950461</OtherAmount>
      <TotalAdjustments>-950461</TotalAdjustments>
      <ExcessOrDeficitPerFS>-59212</ExcessOrDeficitPerFS>
      <Form990ScheduleDPartXIV>
        <Identifier>X</Identifier>
        <ReturnReference>2</ReturnReference>
        <Explanation>FIN 48 IS NOT APPLICABLE.</Explanation>
      </Form990ScheduleDPartXIV>
      <Form990ScheduleDPartXIV>
        <Identifier>XI</Identifier>
        <ReturnReference>8</ReturnReference>
        <Explanation>CHANGE IN ADDITIONAL MINIMUM PENSION LIABILITY.</Explanation>
      </Form990ScheduleDPartXIV>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="990J" softwareId="10000149" softwareVersion="2010.2.15">
      <TravelForCompanions>X</TravelForCompanions>
      <WrittenPolicyReTAndEExpenses>true</WrittenPolicyReTAndEExpenses>
      <SubstantiationRequired>true</SubstantiationRequired>
      <IndependentConsultant>X</IndependentConsultant>
      <WrittenEmploymentContract>X</WrittenEmploymentContract>
      <CompensationSurvey>X</CompensationSurvey>
      <BoardOrCommitteeApproval>X</BoardOrCommitteeApproval>
      <SeverancePayment>false</SeverancePayment>
      <SupplementalNonqualRetirePlan>true</SupplementalNonqualRetirePlan>
      <EquityBasedCompArrangement>false</EquityBasedCompArrangement>
      <Form990ScheduleJPartII>
        <NamePerson>LAIDA E GARCIA</NamePerson>
        <BaseCompensationFilingOrg>255043</BaseCompensationFilingOrg>
        <DeferredCompFilingOrg>39159</DeferredCompFilingOrg>
        <NontaxableBenefitsFilingOrg>8151</NontaxableBenefitsFilingOrg>
        <TotalCompensationFilingOrg>302353</TotalCompensationFilingOrg>
      </Form990ScheduleJPartII>
      <Form990ScheduleJPartIII>
        <Identifier>I</Identifier>
        <ReturnReference>4b</ReturnReference>
        <Explanation>DURING 2010, THE CREDIT UNION ACCRUED 10,507 FOR A DEFERRED COMPENSATION PLAN FOR LAIDA GARCIA.</Explanation>
      </Form990ScheduleJPartIII>
      <Form990ScheduleJPartIII>
        <Identifier>I</Identifier>
        <ReturnReference>4b</ReturnReference>
        <Explanation>DURING 2010, THE CREDIT UNION FUNDED 16,500 FOR LAIDA GARCIAS 457b PLAN BENEFIT.</Explanation>
      </Form990ScheduleJPartIII>
    </IRS990ScheduleJ>
    <IRS990ScheduleO documentId="990O" softwareId="10000149" softwareVersion="2010.2.15">
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>7A</ReturnReference>
        <Explanation>CREDIT UNION IS A NOT A FOR PROFIT, MEMBER OWNED COOPERATIVE. MEMBERS ARE INVOLVED IN ELECTIONS OF BOARD MEMBERS AND TRANSACTIONS THAT REQUIRE THEIR PARTICIPATION.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>11</ReturnReference>
        <Explanation>SUBSEQUENT TO FILING, A COPY OF FORM 990 IS REVIEWED BY BOARD MEMBERS AND REVIEW IS DOCUMENTED ON THE BOARD OF DIRECTORS MINUTES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>15A</ReturnReference>
        <Explanation>A PERFORMANCE EVALUATION FORM IS COMPLETED BY THE BOARD ANNUALLY FOR THE CEO. CEO SALARY IS ALSO DETERMINED BY THE BOARD.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>19</ReturnReference>
        <Explanation>THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLCIT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON THE NCUA.GOV WEBSITE VIA THE QUARTERLY 5300 FILING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>6</ReturnReference>
        <Explanation>THE ORGANIZATION HAS MEMBERS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part VI</Identifier>
        <ReturnReference>15B</ReturnReference>
        <Explanation>AN EVALUATION IS PERFORMED ANNUALLY BY THE CEO. JOB GRADES AND COMPENSATION RANGES FOR EACH GRADE ARE ESTABLISHED BY A THIRD-PARTY COMPENSATION FORM KOGER, GOODWIN AND ASSOCIATES.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990 Part XI</Identifier>
        <ReturnReference>5</ReturnReference>
        <Explanation>950,461 CHANGE IN ADDITIONAL MINIMUM PENSION LIABILITY</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
    <IRS990ScheduleR documentId="990R" softwareId="10000149" softwareVersion="2010.2.15">
      <Form990ScheduleRPartIV>
        <NameOfRelatedOrg>
          <BusinessNameLine1>MEMBER SERVICES CORPORATION</BusinessNameLine1>
        </NameOfRelatedOrg>
        <AddressUS>
          <AddressLine1>PO BOX 18605</AddressLine1>
          <City>TAMPA</City>
          <State>FL</State>
          <ZIPCode>336798605</ZIPCode>
        </AddressUS>
        <EIN>592678556</EIN>
        <PrimaryActivity>CREDIT UNION SUPPORT SERVICE</PrimaryActivity>
        <LegalDomicileState>FL</LegalDomicileState>
        <DirectControllingEntityName>
          <BusinessNameLine1>FLORIDA CENTRAL CREDIT UNION</BusinessNameLine1>
        </DirectControllingEntityName>
        <TypeOfEntity>C Corp</TypeOfEntity>
        <ShareOfTotalIncome>320163</ShareOfTotalIncome>
        <ShareOfEOYAssets>89119</ShareOfEOYAssets>
        <PercentageOwnership>1.00000</PercentageOwnership>
      </Form990ScheduleRPartIV>
      <ReceiptOfIntAnnRentsRoyalties>false</ReceiptOfIntAnnRentsRoyalties>
      <GiftGrantOrCapContrToOtherOrg>false</GiftGrantOrCapContrToOtherOrg>
      <GiftGrantOrCapContrFrOtherOrg>false</GiftGrantOrCapContrFrOtherOrg>
      <LoansOrGuaranteesToOtherOrg>false</LoansOrGuaranteesToOtherOrg>
      <LoansOrGuaranteesFromOtherOrg>false</LoansOrGuaranteesFromOtherOrg>
      <SaleOfAssetsToOtherOrg>false</SaleOfAssetsToOtherOrg>
      <PurchaseOfAssetsFromOtherOrg>false</PurchaseOfAssetsFromOtherOrg>
      <ExchangeOfAssets>false</ExchangeOfAssets>
      <RentalOfFacilitiesToOtherOrgs>false</RentalOfFacilitiesToOtherOrgs>
      <RentalOfFacilitiesFrOtherOrgs>false</RentalOfFacilitiesFrOtherOrgs>
      <PerformOfServicesForOtherOrgs>false</PerformOfServicesForOtherOrgs>
      <PerformOfServicesByOtherOrgs>false</PerformOfServicesByOtherOrgs>
      <SharingOfFacilities>true</SharingOfFacilities>
      <SharingOfPaidEmployees>false</SharingOfPaidEmployees>
      <ReimbursementPaidToOtherOrg>false</ReimbursementPaidToOtherOrg>
      <ReimbursementPaidByOtherOrg>true</ReimbursementPaidByOtherOrg>
      <OtherTransferToOtherOrg>false</OtherTransferToOtherOrg>
      <OtherTransferFromOtherOrg>false</OtherTransferFromOtherOrg>
      <TransactionsRelatedOrgsTable>
        <NameOfOtherOrganization>
          <BusinessNameLine1>MEMBER SERVICES CORPORATION INC</BusinessNameLine1>
        </NameOfOtherOrganization>
        <TransactionType>m</TransactionType>
        <AmountInvolved>10032</AmountInvolved>
        <MethodOfAmtDetermination>ESTIMATE</MethodOfAmtDetermination>
      </TransactionsRelatedOrgsTable>
      <TransactionsRelatedOrgsTable>
        <NameOfOtherOrganization>
          <BusinessNameLine1>MEMBER SERVICES CORPORATION INC</BusinessNameLine1>
        </NameOfOtherOrganization>
        <TransactionType>p</TransactionType>
        <AmountInvolved>14806</AmountInvolved>
        <MethodOfAmtDetermination>ESTIMATE</MethodOfAmtDetermination>
      </TransactionsRelatedOrgsTable>
    </IRS990ScheduleR>
  </ReturnData>
</Return>