{"success":true,"data":{"_id":596139444,"filings":[{"Organization":{"value":null,"Person":["HOWARD WEBB","MARIA CONNOLLY","RICHARD MITINGER","DAWN RADUANO","BARBARA KELLEHER","CLEO MARSH","JOSE QUINTANA","WILLA GOYNE","ANTHONY STEVENS","SCOTT MEYER"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,179823],"Direct compensation":[0,0,0,0,0,0,0,0,0,179823],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs programs of credit unions which offer a wide variety of personal financial services exclusively to their members","year":2016,"name":"State Chartered Credit Unions in FL","phone":9547302047,"website":"www.connectcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1962,"state_legal_domicile":"FL","total_volunteers":12,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"3400 W Commercial Blvd, Ft Lauderdale, FL, 33309, USA","city":"Ft Lauderdale","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":32,"Total Gross UBI":11156,"Net unrelated business taxable income":-5396,"Number of employees":32,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3732958,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3320275,"Total revenue":{"value":3291293,"Interest on loans to members":2408985,"Fee Income":477769,"Debit Credit Cards":239100,"Insurance VSA Income":165439},"Total other revenue":28982,"Unrelated business revenue":0},"Investment income":{"value":412683,"Investment income total":381333,"Net investment gain":31350,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3521435,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1474899,"Current officers":179823,"Disqualified persons":0,"Other salaries and wages":1005838,"Pension plan contributions":48528,"Other employee benefits":144316,"Payroll taxes":96394},"Other expenses":{"value":2046536,"Management services":0,"Legal":48908,"Accounting":114601,"Lobbying services":0,"Investment management fees":0,"Other services":68548,"Advertising":61222,"Office expenses":652961,"Information technology":0,"Royalties":0,"Occupancy":121600,"Travel":39203,"Conferences and meetings":13232,"Interest":160443,"Payments to affiliates":0,"Depreciation and depletion":93226,"Insurance":32921,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":639671,"DUES REGULATORS":39671,"PROVISION FOR LOAN LOSS":600000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3521435,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":75221977,"Non-interest bearing cash":545079,"Savings and temp cash investments":21964319,"Pledges and grants receivable":0,"Accounts receivable":1166946,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":37707668,"Inventories for sale or use":0,"Prepaid expenses deferred charges":67515,"Land, building, equipment":534850,"Investments publicly traded":12142923,"Investments other":0,"Investments program related":1092677,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":67323449,"Sum of Total Liabilities":0,"Accounts payable, accrued":1236967,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":66086482},"Fund balance":{"value":7898528,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.05666364314840938,"percentile":0.5396028556178222},"Liabilities to Assets Ratio":{"score":0.8949970698058095,"percentile":0.06549076336415763},"Operating Reserve Ratio":{"score":21.361171511045924,"percentile":0.9500412165167588},"Officer Compensation Ratio":{"score":0.05106526174698667,"percentile":0.7515671190942137},"Program Expense Growth":{"score":0.09717969050457022,"percentile":0.6691849450000471},"Revenue Growth":{"score":0.08604336096359434,"percentile":0.7294660387569358},"Asset Growth":{"score":0.0544703804140411,"percentile":0.5436689247894557},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7680148152825721,"percentile":0.934788395208927}},"source_xml":"201740939349300704_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","JOSE QUINTANA","ANTHONY STEVENS","WILLA GOYNE","RICK MITINGER"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[208148,0,0,0,0,0,0,0,0,0],"Direct compensation":[208148,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2019,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA CONNECT CREDIT UNION","phone":9547302047,"website":"WWW.CONNECTCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":15,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FORT LAUDERDALE, FL, 33309, USA","city":"FORT LAUDERDALE","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":28,"Total Gross UBI":13574,"Net unrelated business taxable income":null,"Number of employees":28,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3951689,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3353665,"Total revenue":{"value":3336986,"LOAN INCOME":2417515,"FEES TO MEMBERS":428351,"INSURANCE RELATED":106712,"CREDITDEBIT CARD":384408},"Total other revenue":16679,"Unrelated business revenue":0},"Investment income":{"value":598024,"Investment income total":598024,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3619546,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1614210,"Current officers":208148,"Disqualified persons":0,"Other salaries and wages":1058150,"Pension plan contributions":83742,"Other employee benefits":165359,"Payroll taxes":98811},"Other expenses":{"value":2005336,"Management services":0,"Legal":65352,"Accounting":78235,"Lobbying services":0,"Investment management fees":0,"Other services":165662,"Advertising":83819,"Office expenses":584001,"Information technology":0,"Royalties":0,"Occupancy":128874,"Travel":22360,"Conferences and meetings":17537,"Interest":318040,"Payments to affiliates":0,"Depreciation and depletion":162326,"Insurance":48255,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":330875,"REGUALTOR EXPENSES":20835,"ASSOCIATION DUES":20040,"PROVISION FOR LOAN LOSSES":290000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":78209506,"Non-interest bearing cash":547144,"Savings and temp cash investments":19884205,"Pledges and grants receivable":0,"Accounts receivable":715935,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":46981420,"Inventories for sale or use":0,"Prepaid expenses deferred charges":91761,"Land, building, equipment":1144203,"Investments publicly traded":7711657,"Investments other":0,"Investments program related":1133181,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":68873566,"Sum of Total Liabilities":0,"Accounts payable, accrued":839159,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":68034407},"Fund balance":{"value":9335940,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0840508957056084,"percentile":0.5946478259531549},"Liabilities to Assets Ratio":{"score":0.8806290887452991,"percentile":0.0677810770640067},"Operating Reserve Ratio":{"score":21.607545808231198,"percentile":0.9507194348557745},"Officer Compensation Ratio":{"score":0.05750665967499791,"percentile":0.7208733181704742},"Program Expense Growth":{"score":-0.33030526501164387,"percentile":0.05676644664400459},"Revenue Growth":{"score":0.04313317018247749,"percentile":0.5765066907886135},"Asset Growth":{"score":0.027729280087921013,"percentile":0.4364997237040092},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5331701376509895,"percentile":0.4092172539583468}},"source_xml":"202021059349300122_public.xml"},{"Organization":{"value":null,"Person":["HOWARD WEBB","MARIA CONNOLLY","RICHARD MITINGER","DAWN RADUANO","BARBARA KELLEHER","CLEO MARSH","JOSE QUINTANA","WILLA GOYNE","ANTHONY STEVENS","SCOTT MEYER"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,164298],"Direct compensation":[0,0,0,0,0,0,0,0,0,164298],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs programs of credit unions which offer a wide variety of personal financial services exclusively to their members","year":2014,"name":"State Chartered Credit Unions in FL","phone":9547302047,"website":"www.connectcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1962,"state_legal_domicile":"FL","total_volunteers":16,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"3400 W Commercial Blvd, Ft Lauderdale, FL, 33309, USA","city":"Ft Lauderdale","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":22,"Total Gross UBI":15105,"Net unrelated business taxable income":-3918,"Number of employees":22,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3146331,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2796334,"Total revenue":{"value":2753805,"Interest on loans to members":2006117,"Fee Income":437235,"Debit Credit Cards":223079,"Insurance VSA Income":87374},"Total other revenue":42529,"Unrelated business revenue":0},"Investment income":{"value":349997,"Investment income total":347567,"Net investment gain":2430,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2859900,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1305313,"Current officers":164298,"Disqualified persons":0,"Other salaries and wages":893409,"Pension plan contributions":38317,"Other employee benefits":113931,"Payroll taxes":95358},"Other expenses":{"value":1554587,"Management services":0,"Legal":58014,"Accounting":109606,"Lobbying services":0,"Investment management fees":0,"Other services":119846,"Advertising":57103,"Office expenses":562170,"Information technology":0,"Royalties":0,"Occupancy":133500,"Travel":39778,"Conferences and meetings":38335,"Interest":147632,"Payments to affiliates":0,"Depreciation and depletion":128348,"Insurance":33800,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":126455,"DUES REGULATORS":35255,"PROVISION FOR LOAN LOSS":91200},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":2859900,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":67473397,"Non-interest bearing cash":696384,"Savings and temp cash investments":20599973,"Pledges and grants receivable":0,"Accounts receivable":887347,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":31868595,"Inventories for sale or use":0,"Prepaid expenses deferred charges":88983,"Land, building, equipment":352761,"Investments publicly traded":11917435,"Investments other":0,"Investments program related":1061919,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":59271288,"Sum of Total Liabilities":0,"Accounts payable, accrued":860112,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":58411176},"Fund balance":{"value":8202109,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09103651205165636,"percentile":0.6074063536660947},"Liabilities to Assets Ratio":{"score":0.8784393647766097,"percentile":0.06811865303908507},"Operating Reserve Ratio":{"score":23.592921780481834,"percentile":0.9557676750550042},"Officer Compensation Ratio":{"score":0.05744886184831637,"percentile":0.7211341180446652},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.8176428387756786,"percentile":0.9684280184137894}},"source_xml":"201530989349300718_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","RAFAEL GARCIA","CLEO MARSH","PAUL LAMPLEY","RICK MITINGER","MARIA CONNOLLY","ERIN HALL","CYNTHIA RYAN","COLLIN LINDSAY"],"Title":["CEO","BOARD CHAIRPERSON","BOARD TREASURER","BOARD SECRETARY","BOARD VICE CHAIRPERSON BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","EVP","CFO"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0],"Total Compensation":[328173,0,0,0,0,0,0,0,0,0,211482,164336],"Direct compensation":[328173,0,0,0,0,0,0,0,0,0,211482,164336],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2024,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":9547302047,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FT LAUDERDALE, FL, 333093421, USA","city":"FT LAUDERDALE","state":"FL","country":"USA","zip_code":333093421},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":24,"Total Gross UBI":9682,"Net unrelated business taxable income":0,"Number of employees":24,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":6004983,"Contributions":{"value":286187,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":286187,"Related organizations":0},"Program revenue":{"value":5020704,"Total revenue":{"value":4970734,"VARIOUS":4970734},"Total other revenue":49970,"Unrelated business revenue":0},"Investment income":{"value":698092,"Investment income total":698092,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5001234,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2123334,"Current officers":703991,"Disqualified persons":0,"Other salaries and wages":876263,"Pension plan contributions":187301,"Other employee benefits":237367,"Payroll taxes":118412},"Other expenses":{"value":2877900,"Management services":0,"Legal":74647,"Accounting":130922,"Lobbying services":0,"Investment management fees":0,"Other services":491848,"Advertising":114870,"Office expenses":315456,"Information technology":0,"Royalties":0,"Occupancy":43562,"Travel":74407,"Conferences and meetings":21669,"Interest":1158938,"Payments to affiliates":0,"Depreciation and depletion":93496,"Insurance":55398,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":302687,"VARIOUS":302687},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":5001234,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":97943945,"Non-interest bearing cash":405956,"Savings and temp cash investments":14098443,"Pledges and grants receivable":0,"Accounts receivable":1155376,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":72929659,"Inventories for sale or use":0,"Prepaid expenses deferred charges":131843,"Land, building, equipment":2384162,"Investments publicly traded":4954152,"Investments other":0,"Investments program related":1354632,"Intangible assets":0,"Other assets":529722},"Liabilities":{"value":86523871,"Sum of Total Liabilities":0,"Accounts payable, accrued":609040,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":85914831},"Fund balance":{"value":11420074,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16715267969950956,"percentile":0.7201975103731058},"Liabilities to Assets Ratio":{"score":0.8834019397523757,"percentile":0.0673347311600651},"Operating Reserve Ratio":{"score":19.583955679738242,"percentile":0.94462517018612},"Officer Compensation Ratio":{"score":0.1407634595781761,"percentile":0.4341936961642395},"Program Expense Growth":{"score":0.052634972587238156,"percentile":0.5411344977425041},"Revenue Growth":{"score":0.0531876954575014,"percentile":0.6194863671524932},"Asset Growth":{"score":0.04080224733050639,"percentile":0.4905679473661044},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.753329766187883,"percentile":0.9204728917764899}},"source_xml":"202541119349300604_public.xml"},{"Organization":{"value":null,"Person":["HOWARD WEBB","MARIA CONNOLLY","RICHARD MITINGER","DAWN RADUANO","BARBARA KELLEHER","CLEO MARSH","JOSE QUINTANA","WILLA GOYNE","ANTHONY STEVENS","SCOTT MEYER"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,146967],"Direct compensation":[0,0,0,0,0,0,0,0,0,146967],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs programs of credit unions which offer a wide variety of personal financial services exclusively to their members","year":2015,"name":"State Chartered Credit Unions in FL","phone":9547302047,"website":"www.connectcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1962,"state_legal_domicile":"FL","total_volunteers":13,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"3400 W Commercial Blvd, Ft Lauderdale, FL, 33309, USA","city":"Ft Lauderdale","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":30,"Total Gross UBI":15546,"Net unrelated business taxable income":-13465,"Number of employees":30,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3347421,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2975852,"Total revenue":{"value":2949888,"Interest on loans to members":2112543,"Fee Income":457645,"Debit Credit Cards":241552,"Insurance VSA Income":138148},"Total other revenue":25964,"Unrelated business revenue":0},"Investment income":{"value":371569,"Investment income total":378395,"Net investment gain":-6826,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3829672,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1304962,"Current officers":146967,"Disqualified persons":0,"Other salaries and wages":901995,"Pension plan contributions":40355,"Other employee benefits":124786,"Payroll taxes":90859},"Other expenses":{"value":2524710,"Management services":0,"Legal":44143,"Accounting":125974,"Lobbying services":0,"Investment management fees":0,"Other services":166525,"Advertising":72254,"Office expenses":588588,"Information technology":0,"Royalties":0,"Occupancy":122542,"Travel":37789,"Conferences and meetings":34472,"Interest":143964,"Payments to affiliates":0,"Depreciation and depletion":64736,"Insurance":36134,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":1087589,"DUES REGULATORS":37589,"PROVISION FOR LOAN LOSS":1050000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3829672,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":70684263,"Non-interest bearing cash":651940,"Savings and temp cash investments":23261231,"Pledges and grants receivable":0,"Accounts receivable":484304,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":33127610,"Inventories for sale or use":0,"Prepaid expenses deferred charges":108969,"Land, building, equipment":584539,"Investments publicly traded":11395123,"Investments other":0,"Investments program related":1070547,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":62891235,"Sum of Total Liabilities":0,"Accounts payable, accrued":983732,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":61907503},"Fund balance":{"value":7793028,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.14406643203827663,"percentile":0.18526380062767506},"Liabilities to Assets Ratio":{"score":0.8897487549668588,"percentile":0.06632773874896966},"Operating Reserve Ratio":{"score":18.4570018006764,"percentile":0.9407696727273168},"Officer Compensation Ratio":{"score":0.03837587135399585,"percentile":0.815763447676659},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7289422980218675,"percentile":0.8918774821848646}},"source_xml":"201610899349300836_public.xml"},{"Organization":{"value":null,"Person":["HOWARD WEBB","MARIA CONNOLLY","RICHARD MITINGER","DAWN RADUANO","BARBARA KELLEHER","CLEO MARSH","JOSE QUINTANA","WILLA GOYNE","ANTHONY STEVENS","SCOTT MEYER"],"Title":["DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","PRESIDENT CEO"],"Hours":[2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,164606],"Direct compensation":[0,0,0,0,0,0,0,0,0,164606],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union programs programs of credit unions which offer a wide variety of personal financial services exclusively to their members","year":2017,"name":"State Chartered Credit Unions in FL","phone":9547302047,"website":"www.connectcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1962,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"3400 W Commercial Blvd, Ft Lauderdale, FL, 33309, USA","city":"Ft Lauderdale","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":32,"Total Gross UBI":13671,"Net unrelated business taxable income":-3494,"Number of employees":32,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3636645,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3208892,"Total revenue":{"value":3185502,"Interest on loans to members":2290041,"Fee Income":503560,"Debit Credit Cards":239184,"Insurance VSA Income":152717},"Total other revenue":23390,"Unrelated business revenue":0},"Investment income":{"value":427753,"Investment income total":423405,"Net investment gain":4348,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3292211,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1499535,"Current officers":164606,"Disqualified persons":0,"Other salaries and wages":1047075,"Pension plan contributions":67339,"Other employee benefits":121368,"Payroll taxes":99147},"Other expenses":{"value":1792676,"Management services":0,"Legal":47821,"Accounting":110494,"Lobbying services":0,"Investment management fees":0,"Other services":65957,"Advertising":78672,"Office expenses":678499,"Information technology":0,"Royalties":0,"Occupancy":135982,"Travel":42549,"Conferences and meetings":12913,"Interest":193006,"Payments to affiliates":0,"Depreciation and depletion":53190,"Insurance":33082,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":340511,"DUES REGULATORS":40511,"PROVISION FOR LOAN LOSS":300000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3292211,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":76286963,"Non-interest bearing cash":711208,"Savings and temp cash investments":18179139,"Pledges and grants receivable":0,"Accounts receivable":943271,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":45190512,"Inventories for sale or use":0,"Prepaid expenses deferred charges":73029,"Land, building, equipment":484785,"Investments publicly traded":9585960,"Investments other":0,"Investments program related":1119059,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":68040588,"Sum of Total Liabilities":0,"Accounts payable, accrued":1151414,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":66889174},"Fund balance":{"value":8246375,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09471202165732426,"percentile":0.6140024648035871},"Liabilities to Assets Ratio":{"score":0.8919032207377294,"percentile":0.06598709017703074},"Operating Reserve Ratio":{"score":23.171954349220023,"percentile":0.9547523684592905},"Officer Compensation Ratio":{"score":0.049998617950064564,"percentile":0.7567865353029747},"Program Expense Growth":{"score":0.029287714972830923,"percentile":0.44578239435955924},"Revenue Growth":{"score":0.05356507136980911,"percentile":0.6210365437975996},"Asset Growth":{"score":0.042778024114620054,"percentile":0.49848002159902904},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7440228445111898,"percentile":0.9104594588054555}},"source_xml":"201841159349300239_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","LAURICE MAYES","RICK MITINGER","BERTHA PENENORI","NICOLE VONBEHREN","ERIN HALL","RAFAEL GARCIA","BIBI PARMAR","PAUL LAMPLEY"],"Title":["CEO","BOARD CHAIRPERSON","BOARD TREASURER","BOARD SECRETARY","BOARD VICE CHAIRPERSON BOARD MEMBER","BOARD MEMBER","SUPERVISORY COMMITTEE CHAIRPERSON","BOARD MEMBER","SUPERVISORY COMMITTE MEMBER","SUPERVISORY COMMITTE MEMBER","BOARD MEMBER","BOARD MEMBER","SUPERVISORY COMMITTE MEMBER","BOARD MEMBER"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[319134,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[319134,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2023,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":9547302047,"website":"WWW.CONNECTCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1962,"state_legal_domicile":"FL","total_volunteers":13,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FT LAUDERDALE, FL, 333093421, USA","city":"FT LAUDERDALE","state":"FL","country":"USA","zip_code":333093421},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":27,"Total Gross UBI":10800,"Net unrelated business taxable income":0,"Number of employees":27,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":5485740,"Contributions":{"value":588325,"Other contributions":407325,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":181000,"Related organizations":0},"Program revenue":{"value":4257385,"Total revenue":{"value":4195222,"VARIOUS":4195222},"Total other revenue":62163,"Unrelated business revenue":0},"Investment income":{"value":640030,"Investment income total":729250,"Net investment gain":-89220,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":4797381,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2043292,"Current officers":319134,"Disqualified persons":0,"Other salaries and wages":1222673,"Pension plan contributions":162211,"Other employee benefits":211757,"Payroll taxes":127517},"Other expenses":{"value":2754089,"Management services":0,"Legal":96305,"Accounting":117100,"Lobbying services":0,"Investment management fees":0,"Other services":532768,"Advertising":171939,"Office expenses":230921,"Information technology":28196,"Royalties":0,"Occupancy":47816,"Travel":69391,"Conferences and meetings":22007,"Interest":747954,"Payments to affiliates":0,"Depreciation and depletion":285799,"Insurance":49436,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":354457,"VARIOUS":354457},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":4797381,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":95833884,"Non-interest bearing cash":428769,"Savings and temp cash investments":11954899,"Pledges and grants receivable":0,"Accounts receivable":1114596,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":72177505,"Inventories for sale or use":0,"Prepaid expenses deferred charges":115205,"Land, building, equipment":2477658,"Investments publicly traded":5798960,"Investments other":0,"Investments program related":1384184,"Intangible assets":0,"Other assets":382108},"Liabilities":{"value":85734453,"Sum of Total Liabilities":0,"Accounts payable, accrued":1691717,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":84042736},"Fund balance":{"value":10099431,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12548152118036945,"percentile":0.6641675561005723},"Liabilities to Assets Ratio":{"score":0.8946152385934812,"percentile":0.06555610725739185},"Operating Reserve Ratio":{"score":19.976292064357615,"percentile":0.9458850072318364},"Officer Compensation Ratio":{"score":0.06652254636436006,"percentile":0.6799985543677386},"Program Expense Growth":{"score":0.029055494534434914,"percentile":0.44473355207064946},"Revenue Growth":{"score":0.04119549404855159,"percentile":0.5677739636955741},"Asset Growth":{"score":0.04400268509357353,"percentile":0.5032694324675685},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7430162082298624,"percentile":0.9093243457551151}},"source_xml":"202421209349300007_public.xml"},{"Organization":{"value":null,"Person":["SCOTT A MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","JOSE QUINTANA","ANTHONY STEVENS","RAFAEL S GARCIA","RICK MITINGER"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[242637,0,0,0,0,0,0,0,0,0],"Direct compensation":[242637,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2022,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA CONNECT CREDIT UNION","phone":9547302047,"website":"WWW.CONNECTCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FORT LAUDERDALE, FL, 33309, USA","city":"FORT LAUDERDALE","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":28,"Total Gross UBI":16468,"Net unrelated business taxable income":null,"Number of employees":28,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3899263,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3328327,"Total revenue":{"value":3328327,"LOAN INCOME":2560208,"FEE INCOME":406082,"INSURANCE RELATED":113349,"CREDIT DEBIT CARD":248688},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":439216,"Investment income total":439216,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":131720,"Other total":131720,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3429478,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1718382,"Current officers":242637,"Disqualified persons":0,"Other salaries and wages":1123503,"Pension plan contributions":26528,"Other employee benefits":210140,"Payroll taxes":115574},"Other expenses":{"value":1711096,"Management services":0,"Legal":25060,"Accounting":161231,"Lobbying services":0,"Investment management fees":0,"Other services":373615,"Advertising":144017,"Office expenses":274387,"Information technology":0,"Royalties":0,"Occupancy":101990,"Travel":20856,"Conferences and meetings":23204,"Interest":263144,"Payments to affiliates":0,"Depreciation and depletion":229029,"Insurance":46536,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":48027,"REGULATORY":26371,"ASSOCIATION DUES":21656},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3400032,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":98275599,"Non-interest bearing cash":611920,"Savings and temp cash investments":18429041,"Pledges and grants receivable":0,"Accounts receivable":974152,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":66023030,"Inventories for sale or use":0,"Prepaid expenses deferred charges":131492,"Land, building, equipment":2667821,"Investments publicly traded":7861380,"Investments other":0,"Investments program related":1322765,"Intangible assets":0,"Other assets":253998},"Liabilities":{"value":89056424,"Sum of Total Liabilities":0,"Accounts payable, accrued":1091580,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":87964844},"Fund balance":{"value":9219175,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.9914138536535297,"percentile":0.9083893888007218},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.12048046002539455,"percentile":0.6565342872439791},"Liabilities to Assets Ratio":{"score":0.9061905997642405,"percentile":0.06363675841850572},"Operating Reserve Ratio":{"score":28.656139214189448,"percentile":0.9652421184905641},"Officer Compensation Ratio":{"score":0.07075041741046305,"percentile":0.661830473244326},"Program Expense Growth":{"score":-0.018702067055054495,"percentile":0.2632632705541812},"Revenue Growth":{"score":0.02313878373978425,"percentile":0.480618592432887},"Asset Growth":{"score":0.047922132250166276,"percentile":0.5187296720586673},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6892877809015201,"percentile":0.8301806081654145}},"source_xml":"202321019349301227_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","JOSE QUINTANA","ANTHONY STEVENS","WILLA GOYNE","RICK MITTINGER"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[208148,0,0,0,0,0,0,0,0,0],"Direct compensation":[208148,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans investments to members","year":2018,"name":"State Chartered Credit Unions in FL Connect Credit Union","phone":9547302047,"website":"connectcu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":13,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"3400 W Commercial Blvd, Fort Lauderdale, FL, 33309, USA","city":"Fort Lauderdale","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":34,"Total Gross UBI":27422,"Net unrelated business taxable income":null,"Number of employees":34,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3854705,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3361031,"Total revenue":{"value":3361031,"INCOME FROM LOANS":2359896,"FEES TO MEMBERS":518224,"INSURANCE RELATED":167570,"CREDITDEBIT CARD INC":253589,"MISC OTHER INCOME":61752},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":493674,"Investment income total":493674,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3552587,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1591430,"Current officers":208148,"Disqualified persons":0,"Other salaries and wages":1065878,"Pension plan contributions":64324,"Other employee benefits":145358,"Payroll taxes":107722},"Other expenses":{"value":1961157,"Management services":0,"Legal":51599,"Accounting":192912,"Lobbying services":0,"Investment management fees":0,"Other services":125589,"Advertising":61008,"Office expenses":719672,"Information technology":0,"Royalties":0,"Occupancy":129312,"Travel":51121,"Conferences and meetings":12890,"Interest":256484,"Payments to affiliates":0,"Depreciation and depletion":83568,"Insurance":35542,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":41460,"ASSOCIATION DUES":20206,"STATE REGULATOR FEES":21254},"All other expenses":200000},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":76389696,"Non-interest bearing cash":607333,"Savings and temp cash investments":16615032,"Pledges and grants receivable":0,"Accounts receivable":1157109,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":47505479,"Inventories for sale or use":0,"Prepaid expenses deferred charges":132114,"Land, building, equipment":762187,"Investments publicly traded":8475549,"Investments other":0,"Investments program related":1134893,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":68126009,"Sum of Total Liabilities":0,"Accounts payable, accrued":1309536,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":66816473},"Fund balance":{"value":8263687,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.0783764256927573,"percentile":0.5838672144642028},"Liabilities to Assets Ratio":{"score":0.8918219677166931,"percentile":0.06600327252049627},"Operating Reserve Ratio":{"score":21.5025546172409,"percentile":0.950436709153664},"Officer Compensation Ratio":{"score":0.05859054261021616,"percentile":0.7158673280759855},"Program Expense Growth":{"score":-0.23169517814198065,"percentile":0.07872915275993765},"Revenue Growth":{"score":0.048142178093989976,"percentile":0.5984485355072202},"Asset Growth":{"score":0.03201051075488127,"percentile":0.4543567714385923},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5363635296903926,"percentile":0.41813097116760856}},"source_xml":"201901499349301010_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","JOSE QUINTANA","ANTHONY STEVENS","RAFAEL GARCIA","RICK MITINGER"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0],"Total Compensation":[218878,0,0,0,0,0,0,0,0,0],"Direct compensation":[218878,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2020,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA CONNECT CREDIT UNION","phone":9547302047,"website":"WWW.CONNECTCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FORT LAUDERDALE, FL, 33309, USA","city":"FORT LAUDERDALE","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":28,"Total Gross UBI":24102,"Net unrelated business taxable income":null,"Number of employees":28,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3836597,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3357946,"Total revenue":{"value":3357946,"LOAN INCOME":2518562,"FEE INCOME":570538,"INSURANCE INCOME":188297,"CARD INCOME":80549},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":478651,"Investment income total":475437,"Net investment gain":3214,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3508969,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1607897,"Current officers":218878,"Disqualified persons":0,"Other salaries and wages":1024209,"Pension plan contributions":107716,"Other employee benefits":150425,"Payroll taxes":106669},"Other expenses":{"value":1901072,"Management services":0,"Legal":64495,"Accounting":120993,"Lobbying services":0,"Investment management fees":0,"Other services":321652,"Advertising":91352,"Office expenses":312249,"Information technology":35176,"Royalties":0,"Occupancy":115330,"Travel":27933,"Conferences and meetings":13726,"Interest":304550,"Payments to affiliates":0,"Depreciation and depletion":199745,"Insurance":26051,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":267820,"STATE REGULATORS":22045,"ASSOCIATION DUES":20775,"PROVISION FOR LOAN LOSS":225000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3508969,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":90199063,"Non-interest bearing cash":550251,"Savings and temp cash investments":21641373,"Pledges and grants receivable":0,"Accounts receivable":953487,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":59049553,"Inventories for sale or use":0,"Prepaid expenses deferred charges":80068,"Land, building, equipment":1038698,"Investments publicly traded":5459902,"Investments other":0,"Investments program related":1183032,"Intangible assets":0,"Other assets":242699},"Liabilities":{"value":80165999,"Sum of Total Liabilities":0,"Accounts payable, accrued":375525,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":79790474},"Fund balance":{"value":10033064,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.08539546895334589,"percentile":0.5971615424607968},"Liabilities to Assets Ratio":{"score":0.8887675363102164,"percentile":0.06648669442655511},"Operating Reserve Ratio":{"score":25.705289217431105,"percentile":0.960237125825467},"Officer Compensation Ratio":{"score":0.06237672661114989,"percentile":0.6984528316077726},"Program Expense Growth":{"score":-0.1356905493691081,"percentile":0.11699732905113192},"Revenue Growth":{"score":0.03333563537482005,"percentile":0.5308729283500347},"Asset Growth":{"score":0.03947649720622889,"percentile":0.4851819278030586},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6930227268313677,"percentile":0.8368482974204176}},"source_xml":"202122219349301002_public.xml"},{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","MARIA CONNOLLY","CLEO MARSH","JOSE QUINTANA","ANTHONY STEVENS","RAFAEL GARCIA","RICK MITINGER"],"Title":["CEO","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR","DIRECTOR"],"Hours":[40.0,0,0,0,0,0,0,0,0,0],"Total Compensation":[204982,0,0,0,0,0,0,0,0,0],"Direct compensation":[204982,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2021,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA CONNECT CREDIT UNION","phone":9547302047,"website":"WWW.CONNECTCU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":15,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FORT LAUDERDALE, FL, 33309, USA","city":"FORT LAUDERDALE","state":"FL","country":"USA","zip_code":33309},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":24,"Total Gross UBI":20432,"Net unrelated business taxable income":null,"Number of employees":24,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3880985,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":3408963,"Total revenue":{"value":3408963,"LOAN INCOME":2576298,"FEE INCOME":599846,"INSURANCE RELATED":141627,"CREDIT DEBIT CARD":91192},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":434596,"Investment income total":434596,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":37426,"Other total":37426,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":3232531,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1584170,"Current officers":204982,"Disqualified persons":0,"Other salaries and wages":1000375,"Pension plan contributions":124763,"Other employee benefits":152587,"Payroll taxes":101463},"Other expenses":{"value":1648361,"Management services":0,"Legal":32422,"Accounting":87728,"Lobbying services":0,"Investment management fees":0,"Other services":96270,"Advertising":176331,"Office expenses":563435,"Information technology":76678,"Royalties":0,"Occupancy":102284,"Travel":37727,"Conferences and meetings":8238,"Interest":239446,"Payments to affiliates":0,"Depreciation and depletion":199349,"Insurance":31550,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":-3097,"REGULATORY":25092,"ASSOCIATION DUES":21811,"PROVISION FOR LOAN LOSS":-50000},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":3232531,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":96666256,"Non-interest bearing cash":744210,"Savings and temp cash investments":19932189,"Pledges and grants receivable":0,"Accounts receivable":1219003,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":63068302,"Inventories for sale or use":0,"Prepaid expenses deferred charges":142603,"Land, building, equipment":891900,"Investments publicly traded":9133487,"Investments other":0,"Investments program related":1278578,"Intangible assets":0,"Other assets":255984},"Liabilities":{"value":86378284,"Sum of Total Liabilities":0,"Accounts payable, accrued":1003784,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":85374500},"Fund balance":{"value":10287972,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16708490241523738,"percentile":0.7201206763271043},"Liabilities to Assets Ratio":{"score":0.8935722513138401,"percentile":0.06572284684702401},"Operating Reserve Ratio":{"score":29.904200764045264,"percentile":0.9670152673900052},"Officer Compensation Ratio":{"score":0.0634122302307387,"percentile":0.6937555035366709},"Program Expense Growth":{"score":-0.060458398980674274,"percentile":0.18298356213919267},"Revenue Growth":{"score":0.027425848104085267,"percentile":0.5019996634798036},"Asset Growth":{"score":0.04692849192313195,"percentile":0.5148508744606901},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7200026466399351,"percentile":0.8797102141975924}},"source_xml":"202200989349301435_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["SCOTT MEYER","HOWARD WEBB","DAWN RADUANO","BARBARA KELLEHER","RAFAEL GARCIA","CLEO MARSH","PAUL LAMPLEY","RICK MITINGER","MARIA CONNOLLY","ERIN HALL","CYNTHIA RYAN","COLLIN LINDSAY"],"Title":["CEO","BOARD CHAIRPERSON","BOARD TREASURER","BOARD SECRETARY","BOARD VICE CHAIRPERSON BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","EVP","CFO"],"Hours":[40.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,2.0,40.0,40.0],"Total Compensation":[328173,0,0,0,0,0,0,0,0,0,211482,164336],"Direct compensation":[328173,0,0,0,0,0,0,0,0,0,211482,164336],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union providing competitive rates on loans and investments to members","year":2024,"name":"STATE CHARTERED CREDIT UNIONS IN FLORIDA","phone":9547302047,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"SCOTT MEYER","year_formation":1962,"state_legal_domicile":"FL","total_volunteers":14,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"3400 W COMMERCIAL BLVD, FT LAUDERDALE, FL, 333093421, USA","city":"FT LAUDERDALE","state":"FL","country":"USA","zip_code":333093421},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":9,"Number of independent voting members":9,"Number of employees total":24,"Total Gross UBI":9682,"Net unrelated business taxable income":0,"Number of employees":24,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":6004983,"Contributions":{"value":286187,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":286187,"Related organizations":0},"Program revenue":{"value":5020704,"Total revenue":{"value":4970734,"VARIOUS":4970734},"Total other revenue":49970,"Unrelated business revenue":0},"Investment income":{"value":698092,"Investment income total":698092,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":5001234,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":2123334,"Current officers":703991,"Disqualified persons":0,"Other salaries and wages":876263,"Pension plan contributions":187301,"Other employee benefits":237367,"Payroll taxes":118412},"Other expenses":{"value":2877900,"Management services":0,"Legal":74647,"Accounting":130922,"Lobbying services":0,"Investment management fees":0,"Other services":491848,"Advertising":114870,"Office expenses":315456,"Information technology":0,"Royalties":0,"Occupancy":43562,"Travel":74407,"Conferences and meetings":21669,"Interest":1158938,"Payments to affiliates":0,"Depreciation and depletion":93496,"Insurance":55398,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":302687,"VARIOUS":302687},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":5001234,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":97943945,"Non-interest bearing cash":405956,"Savings and temp cash investments":14098443,"Pledges and grants receivable":0,"Accounts receivable":1155376,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":72929659,"Inventories for sale or use":0,"Prepaid expenses deferred charges":131843,"Land, building, equipment":2384162,"Investments publicly traded":4954152,"Investments other":0,"Investments program related":1354632,"Intangible assets":0,"Other assets":529722},"Liabilities":{"value":86523871,"Sum of Total Liabilities":0,"Accounts payable, accrued":609040,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":85914831},"Fund balance":{"value":11420074,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":1.0,"percentile":0.9996999186356569},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16715267969950956,"percentile":0.7201975103731058},"Liabilities to Assets Ratio":{"score":0.8834019397523757,"percentile":0.0673347311600651},"Operating Reserve Ratio":{"score":19.583955679738242,"percentile":0.94462517018612},"Officer Compensation Ratio":{"score":0.1407634595781761,"percentile":0.4341936961642395},"Program Expense Growth":{"score":0.052634972587238156,"percentile":0.5411344977425041},"Revenue Growth":{"score":0.0531876954575014,"percentile":0.6194863671524932},"Asset Growth":{"score":0.04080224733050639,"percentile":0.4905679473661044},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.753329766187883,"percentile":0.9204728917764899}},"source_xml":"202541119349300604_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}