2024-05-15T07:27:07-04:00 2023-12-31 990 2023-01-01 590653174 BRIGHTSTAR CREDIT UNION % BIANA MURNANE BRIG 9544862728 3400 N UNIVERSITY DR COOPER CITY FL 33024 NATASHA SCHNEIDER VP FINANCE 2024-05-15 2023 2023-04-26 12:10:37Z BIANA MURNANE 3400 N UNIVERSITY DR COOPER CITY FL 33024 51196841 false X www.bscu.org X Credit Union 1946 FL CREDIT UNION 7 7 232 11 37293 -32460 0 0 22054032 30611285 2805891 4883136 12161310 11759432 37021233 47253853 129505 152608 0 0 12688989 13515189 0 0 0 17426437 26301642 30244931 39969439 6776302 7284414 765497639 830730002 704381075 764446358 61116564 66283644 Credit Union false false 39969439 152608 47253853 Income from Credit Union's membership and from investments of members funds provided the foundation from which the organization can function and provide services to its restricted membership. 0 0 0 N A 0 0 0 N A 0 0 0 39969439 false false false false false false false true false true false false false true false true false false false false false false false false false false true false true false true false false false false false false false false false false false false true 7806 0 true 232 true true true false false false false false false false X 7 7 false false false false true true false true true false true true false true true true true true true true false FL X Natasha Schneider 9544862728 3400 N UNIVERSITY DR COOPER CITY FL 33024 Michael Tomko Consultant to President and CEO 40.00 0 X 1023528 0 13200 Biana Murnane President and CEO 40.00 0 X 467302 0 15266 David Mateo AVP Commercial Lending Services 40.00 0 X 390099 0 13253 James Huaman VP Information Technology 40.00 0 X 228872 0 11260 Neil Dietz VP Lending 40.00 0 X 209652 0 12309 Dustin Jacobs VP Marketing 40.00 0 X 202523 0 15225 Carlos Ospino VP Operations 40.00 0 X 201511 0 10773 Natasha Schneider VP Finance 40.00 0 X 184512 0 10594 Wendy Lutheran VP Human Resources 40.00 0 X 178498 0 3758 Amanda Ruddy AVP Branch Operations 40.00 0 X 133693 0 9788 Gabriel Perez Information Technology Manager 40.00 0 X 129781 0 5380 Ricardo Acosta Talent Development Manager 40.00 0 X 129532 0 8089 David Diaz AVP Facility and Security Manager 40.00 0 X 128685 0 3438 Panzina Hill VP Human Resources 0.00 0 X 54008 0 0 Colin Battle Chairman 35.00 0 X 26305 0 0 William Hennessey Board Member 76.00 0 X 12967 0 0 Diana Martens Supervisory Committee 20.00 0 X 12125 0 0 Kevin Cronin Board Treasurer 30.00 0 X 11900 0 0 James Notter Vice Chairman 107.00 0 X 11646 0 0 William Lawrence Supervisory Committee 72.00 0 X 10579 0 0 Patrick Hardigan Supervisory Committee 20.00 0 X 5371 0 0 Ben Leong Supervisory Committee 72.00 0 X 4101 0 0 Henry Robinson Board Member 45.00 0 X 1877 0 0 Brian Sullivan Board Member 38.00 0 X 0 0 0 John Quercia Board Secretary 35.00 0 X 0 0 0 3759067 0 132333 20 true true false DEI Incorporated 1550 Kemper Meadow Drive Cincinnati OH 45240 Design/Build Construction Services 6946517 Unified Tech USA LLC 9200 S Dadeland Blvd Suite 225 Miami FL 33156 Software/Hardware & Maintenance 2412939 Fidelity Information Services Inc PO Box 4535 Carol Stream IL 60197 Credit & Debit Card Services 1738078 BHM Connect LLC 11460 Interchange Cir N Miramar FL 33025 Document Processing, Printing 452926 Lucro Commercial Solutions 3692 Coolidge Court Tallahassee FL 32311 Commercial Lending Services 433579 24 0 0 0 0 0 0 0 0 Credit Unions 522130 30611285 30611285 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 30611285 2239925 2239925 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6586199 0 3942988 0 2643211 2643211 2643211 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Members' fee and charges 522130 5779746 5742454 37293 0 Other Operating Income 522130 5979686 5979686 0 0 0 0 0 0 0 0 0 0 11759432 47253853 47216561 37293 0 152608 152608 0 0 0 0 0 0 2062970 2062970 0 0 0 0 0 0 8978774 8978774 0 0 316149 316149 0 0 1204642 1204642 0 0 952654 952654 0 0 0 0 0 0 53395 53395 0 0 146508 146508 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1225498 1225498 0 0 5291367 5291367 0 0 1574194 1574194 0 0 0 0 0 0 1719191 1719191 0 0 70482 70482 0 0 0 0 0 0 454343 454343 0 0 220539 220539 0 0 0 0 0 0 1551445 1551445 0 0 257179 257179 0 0 Interest in Members Accounts 7122229 7122229 0 0 Provision for Credit Losses 4524585 4524585 0 0 Loan Servicing Expense 2090687 2090687 0 0 0 0 0 0 0 0 0 0 39969439 39969439 0 0 0 0 0 0 5583033 7489155 0 0 0 0 1873151 5284314 246092 468955 0 0 578273017 651202141 0 0 10783245 1476313 57583675 9845118 42405240 47738557 95046693 84333383 0 0 0 0 0 0 31287168 32737184 765497639 830730002 9649672 9579787 0 0 0 0 0 0 598650 729876 0 0 0 0 15000000 28500000 679132753 725636695 704381075 764446358 X 0 0 0 0 61116564 66283644 61116564 66283644 765497639 830730002 X 7284414 1786293 0 0 0 -3903627 X false true X true false false 0 0 0 0 true X 9592708 0 9592708 32943460 0 2337405 30606054 889419 0 683141 206278 14158089 0 6824572 7333517 0 0 0 0 47738557 Members' Accounts 725636695 725636695 47253853 0 0 0 0 0 47253853 0 0 0 47253853 39969439 0 0 0 0 0 39969439 0 0 0 39969439 Part IV, line 2b Part IV Line 2b : Funds held in escrow for members with mortgage loans. Broward Education Foundation 600 SE 3rd Ave Ft Lauderdale FL 33301 592359433 501(c)(3) 106808 0 Charitable contribution to assist the educational needs of the community. Broward College Foundation Sponsorship 111 East Las Olas Blvd 11th FL Ft Lauderdale FL 33301 237181959 501(c)(3) 62500 0 Charitable contribution to fund the American Dream Annual Scholarship. Miami Beach Community Kollel 3767 Chase Ave Miami Beach FL 33140 650458857 501(c)(3) 10000 0 Charitable contribution to assist the educational needs of the community. BCREA 615 North 31st Road Hollywood FL 33021 020735129 501(c)(3) 6500 0 Charitable contribution to assist the educational needs of the community. Pembroke Pines Charter 1680 SW 184 Ave Pembroke Pines FL 33029 201192922 501(c)(3) 6500 0 Charitable contribution to assist the educational needs of the community. Great Pompano Beach Chamber PO Box 2064 Pompano Beach FL 33061 590601960 501(c)(3) 5800 0 To support the chamber of commerce with their community building initiative. 6 0 Part I Line 2 The Credit Union does not monitor recipients use of contributions. X true true X true true false Michael Tomko Consultant to President and CEO 389182 0 134346 0 500000 0 154380 0 0 0 1177908 0 141180 0 Biana Murnane President and CEO 399893 0 67409 0 0 0 63200 0 2066 0 532568 0 50000 0 David Mateo AVP Commercial Lending Services 164890 0 225209 0 0 0 13200 0 53 0 403352 0 0 0 James Huaman VP Information Technology 202450 0 26422 0 0 0 5274 0 5986 0 240132 0 0 0 Neil Dietz VP Lending 184538 0 25114 0 0 0 8494 0 3815 0 221961 0 0 0 Dustin Jacobs VP Marketing 175455 0 27069 0 0 0 7072 0 8154 0 217750 0 0 0 Carlos Ospino VP Operations 176489 0 25022 0 0 0 3887 0 6886 0 212284 0 0 0 Natasha Schneider VP Finance 164439 0 20074 0 0 0 7496 0 3097 0 195106 0 0 0 Wendy Lutheran VP Human Resources 174629 0 3869 0 0 0 2643 0 1115 0 182256 0 0 0 Part I Line 1a | Name :, Title:, Item Selected:, Description:| Board Members, Travel for accompanying spouse of Board Member.| Part I Line 4a | Name :, Amount:| Panzina Hill, 54008| Part I Line 4b | Name :, Title:, Item Selected:, Amount:| Michael Tomko, 641180| Part I Line 4b | Name :, Title:, Item Selected:, Amount:| Biana Murnane, 50000| Kevin Cronin Director Credit Card X 14500 201 false true true Kevin Cronin Director Vehicle X 61353 32875 false true true Kevin Cronin Director Vehicle X 21726 20190 false true true Patrick Hardigan Director HELOC X 130000 38902 false true true Patrick Hardigan Director Credit Card X 25000 -10 false true true James Huaman Officer Vehicle X 22915 17068 false true true Dustin Jacobs Officer Credit Card X 22500 149 false true true William Lawrence Jr Director Credit Card X 22500 1129 false true true Ignatius Leong Director Credit Card X 17500 291 false true true Ignatius Leong Director Mortgage X 151000 142573 false true true 253368 Part V | PartandLinenumber:,Explanation:| Part II General,11 Wendy Lutheran - Officer - Vehicle - $19,944 - $16,953 - From CU - No Yes Yes 12 Biana Murnane - CEO - Credit Card - $40,000 - $20,875 - No Yes Yes 13 James Notter - Director - Credit Card - $23,000 - $14,272 - No Yes Yes 14 Carlos Ospino - Officer - Vehicle - $32,169 - $25,787 - No Yes Yes 15 John Quercia - Director - HELOC - $58,889 - $45,109 - No Yes Yes 16 Natasha Schneider - Officer - Credit Card - $25,000 - $834 - No Yes Yes 17 Natasha Schneider - Officer -Vehicle - $30,000 - $15,270 - No Yes Yes 18 Brian Sullivan - Director - HELOC - $50,000 - $41,711 - No Yes Yes 19 Brian Sullivan - Director - Vehicle - $54,292 - $34,777 - No Yes Yes| Part VI, Line 6 Credit Union is member driven. Part VI, Line 7a Members elect Board Members. Part VI, Line 11a Form 990 is reviewed and approved by the VP of Finance before it's submitted. Part VI, Line 11b Form 990 is reviewed and approved by the VP of Finance before its submission. Part VI, Line 12c Policies and procedures and compliance to these are subject to audits by internal and external auditors. Part VI, Line 15 All salaries are approved by the Board. Part VI, Line 19 Upon request. Part XI, Line 9 | Description:, Explanation:, Amount:| Unrealized Defined Benefit Pension Costs, Change in OCI, $-81223| CECL Adjustment, CECL Adjustment, $-3822404| Part VIII Line 2 | Explanation:| Member Loan Interest Income