2025-09-17T15:00:59-04:00 2024-12-31 990 2024-01-01 590653174 BRIGHTSTAR CREDIT UNION BRIG 9544862728 3400 N UNIVERSITY DR COOPER CITY FL 33024 Natasha Schneider VP of Finance 9548095183 2025-09-25 2024 2025-03-06 01:10:19Z BIANA MURNANE 3400 N UNIVERSITY DR COOPER CITY FL 33024 57994129 false X www.bscu.org X Credit Union 1946 FL CREDIT UNION 7 7 247 10 39936 -47983 0 0 30611285 40527510 4883136 4651591 11759432 12158956 47253853 57338057 152608 135359 0 0 13515189 14217091 0 0 0 26301642 36108581 39969439 50461031 7284414 6877026 830730002 907260002 764446358 833437954 66283644 73822048 Credit Union false false 50596391 135359 57338057 Income from Credit Unions 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 50596391 false false false false false false false false true false true false false false true true 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 8928 0 true 247 true true true false false false false false false false 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 Biana Murnane CEO 40.00 0 X 922714 0 171626 David Mateo VP of Commercial Lending Services 40.00 0 X 473212 0 22489 Michael Tomko Consultant to the CEO 40.00 0 X 415648 0 14685 Natasha Schneider VP of Finance 40.00 0 X 235718 0 23184 Wendy Lutheran VP of Human Resources 40.00 0 X 220605 0 11867 Dustin Jacobs VP of Marketing 40.00 0 X 218870 0 27756 Carlos Ospino VP of Operations 40.00 0 X 215126 0 25550 Neil Dietz Sr Vice President of Lending 40.00 0 X 160361 0 14343 James Huaman VP of Information Technology 40.00 0 X 157881 0 14701 Amanda Ruddy AVP of Branch Operations 40.00 0 X 155372 0 19993 Ayleen Alfonso AVP of Fraud Compliance 40.00 0 X 149792 0 17399 David Diaz AVP of Facilities 40.00 0 X 146730 0 24224 Ricardo Acosta AVP of Organizational Development 40.00 0 X 134836 0 22917 Raed Soudani Collection Manager 40.00 0 X 133497 0 27244 Gabriel Perez IT Director 40.00 0 X X 131468 0 14392 Kathleen Bacco Credit Admin and Lending Srvs Manager 40.00 0 X 127519 0 17933 David Ruiz Commercial Portfolio Administrator 40.00 0 X 125646 0 13777 Manuel Cardenas Mortgage Services Manager 40.00 0 X 121158 0 15595 Guy Petroro Sr VP of Lending 40.00 0 X 115388 0 13905 Harold Hassenfelt Chief Information Officer 40.00 0 X 36596 0 5319 William Hennessey Board Director 161.00 0 X 16691 0 0 Colin Battle Chairman of the Board 102.00 0 X 16486 0 0 Patrick Hardigan Supervisory Committee 137.00 0 X 14963 0 0 Ben Leong Chair Person Supervisory Committee 96.00 0 X 14589 0 0 Diana Martens Supervisory Committee 137.00 0 X 14589 0 0 Kevin Cronin Board Treasurer 109.00 0 X 14564 0 0 Henry Robinson Board Director 76.00 0 X 5946 0 0 Brian Sullivan Board Secretary 72.00 0 X 5528 0 0 Jim Notter Board Vice Chairman 15.00 0 X 1677 0 0 John Quercia Board Vice Chairman 39.00 0 X 1430 0 0 William Lawrence Supervisory Committee 54.00 0 X 0 0 0 4504600 0 518899 24 true true false Velera 560 Carillon Parkway St Peteresburg FL 33716 Credit Card, Debit Card, & Bill payment processing 1715274 Fidelity Information Services Inc PO Box 4535 Carol Stream IL 60197 Credit Card, Debit Card Services 1182376 Q2 Software Inc PO Box 205970 Dallas TX 75320 Digital Banking, Lending Solutions 558885 Fiserv Inc PO Box 934057 Atlanta GA 31193 Software and Software Maintenance 558848 Unified Tech USA LLC 9200 S Dadeland Blvd Suite 225 Miami FL 33156 Software and Hardware Maintenance 511264 28 0 0 0 0 0 0 0 0 Credit Unions 522130 40527510 40527510 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 40527510 4808193 4808193 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 499470 0 656072 0 -156602 -156602 0 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 5884101 5844165 39936 0 Credit Unions 522130 6274855 6274855 0 0 0 0 0 0 0 0 0 0 12158956 57338057 57454723 39936 0 135359 135359 0 0 0 0 0 0 3024958 3024958 0 0 0 0 0 0 8639011 8639011 0 0 491596 491596 0 0 1034990 1034990 0 0 1026536 1026536 0 0 0 0 0 0 72216 72216 0 0 144791 144791 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1518090 1518090 0 0 5921615 5921615 0 0 2258417 2258417 0 0 0 0 0 0 2075266 2075266 0 0 54398 54398 0 0 0 0 0 0 326693 326693 0 0 1526718 1526718 0 0 0 0 0 0 2296777 2296777 0 0 238407 238407 0 0 Interest in members Accounts 13042987 13042987 0 0 Provision for Credit Loss 4380279 4380279 0 0 Loan Servicing Expense 2251927 2251927 0 0 0 0 0 0 0 0 0 0 50461031 50461031 0 0 0 0 0 0 7489155 5671937 0 0 0 0 5284314 12081723 468955 418381 0 0 651202141 751211441 0 0 1476313 2338646 59108904 12139699 47738557 46969205 84333383 72574731 0 0 0 0 0 0 32737184 15993938 830730002 907260002 9579787 12316633 0 0 0 0 0 0 729876 849664 0 0 0 0 28500000 35000000 725636695 785271657 764446358 833437954 X 0 0 0 0 66283644 73822048 66283644 73822048 830730002 907260002 6877026 661378 0 0 0 0 X false true X true false false 0 0 0 0 true X 9592708 0 9592708 33620382 0 3140031 30480351 889419 0 721675 167744 15006395 0 8277993 6728402 0 0 0 0 46969205 Member Deposits 765140657 Non-Member Deposits 20131000 785271657 X 57338057 0 0 0 0 0 57338057 0 0 0 57338057 50461031 0 0 0 0 0 50461031 0 0 0 50461031 Part X, line 2 Effective January 1 2010 the Credit Union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of FASB ASC 740 Income Taxes. The guidance prescribes a minimum recognition threshold and measurement methodology that a tax position taken or expected to be taken in a tax return is required to attain before being recognized in the financial statements. It also provides guidance for derecognition classification interest and penalties accounting in interim periods disclosure and transition. As of September 30 2024 the Credit Union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. With few exceptions the Credit Union is no longer subject to U.S. federal income tax examinations by tax authorities for years before 2021. Part IV, line 2b Part IV Line 2b: Funds held in escrow for members with mortgage loans. Broward College Foundation Sponsorship 111 East Las Olas Blvd 11th Floor Ft lauderdale FL 33301 237181959 55359 0 Charitable contribution to fund the American Dream Annual Scholarship Broward Education Foundation 600 SE 3rd Avenue Ft Lauderdale FL 33301 592359433 33500 0 Charitable contribution to assist the educational needs of the community Miami Beach Community Kollel 3767 Chase Avenue Miami Beach FL 33140 650458857 12000 0 Charitable contribution to assist in the educational needs of the community Greater Pompano Beach Chamber PO Box 2064 Pompano Beach FL 33061 590601960 7500 0 To support the chamber of commerce with their community building initiative Pembroke Pines Charter 8300 S Palm Dr Pembroke Pines FL 33025 201192922 6500 0 Charitable contribution to assist in the educational needs of the community My Family Matters Foundation 7656 Stirling Bridge Blvd N Delray Beach FL 33446 832834785 10000 0 Charitable contribution for 2 events at the Margate Sports Complex to help families with children battling cancer in need of financial assistance with medical expenses Humane Society of Broward 2070 Griffin Road Ft Lauderdale FL 33312 596002321 5500 0 Sponsor Humane Societys Adopt a Sweetheart and Walk for the Animals events The Girl Choir of South Florida 319 Tarpon Drive Ft Lauderdale FL 33323 202621291 5000 0 Helped to send the choir to Carnegie Hall in the summer 0 0 Part I Line 2 The Credit Union does not monitor recipients use of contributions. X true true X false true false Biana Murnane CEO 437061 0 108462 0 377191 0 160467 0 11159 0 1094340 0 50000 0 David Mateo VP of Commercial Lending Services 183571 0 289641 0 0 0 13800 0 8689 0 495701 0 0 0 Michael Tomko Consultant to the CEO 15648 0 0 0 400000 0 13800 0 885 0 430333 0 141180 0 Natasha Schneider VP of Finance 186097 0 38245 0 11376 0 9601 0 13583 0 258902 0 0 0 Dustin Jacobs VP of Marketing 190439 0 28431 0 0 0 7988 0 19768 0 246626 0 0 0 Carlos Ospino VP of Operations 183364 0 27464 0 4298 0 4429 0 21121 0 240676 0 0 0 Wendy Lutheran VP of Human Resources 185264 0 35341 0 0 0 4419 0 7448 0 232472 0 0 0 Neil Dietz Sr Vice President of Lending 135777 0 24584 0 0 0 4735 0 9608 0 174704 0 0 0 James Huaman VP of Information Technology 131257 0 26624 0 0 0 3195 0 11506 0 172582 0 0 0 Amanda Ruddy AVP of Branch Operations 129978 0 17869 0 7525 0 0 0 19993 0 175365 0 0 0 Ayleen Alfonso AVP of Fraud Compliance 132196 0 17596 0 0 0 6104 0 11295 0 167191 0 0 0 David Diaz AVP of Facilities 123409 0 23321 0 0 0 6029 0 18195 0 170954 0 0 0 Ricardo Acosta AVP of Organizational Development 125190 0 9646 0 0 0 5523 0 17394 0 157753 0 0 0 Raed Soudani Collection Manager 126325 0 7172 0 0 0 0 0 27244 0 160741 0 0 0 Part I Line 1a | Name :, Title:, Item Selected:, Description:| Board Members, Travel for accompanying spouse of Board Member.| Part I Line 4b | Name :, Title:, Item Selected:, Amount:| Michael Tomko, 400000| Part I Line 4b | Name :, Title:, Item Selected:, Amount:| Biana Murnane, 341667| Kevin Cronin Director Vehicle X 61353 21575 false true true Kevin Cronin Director Vehicle X 21726 16703 false true true Patrick Hardigan Director HELOC X 130000 25681 false true true Ignatius Leong Director Credit Card X 17500 465 false true true Ignatius Leong Director Credit Card X 7800 134 false true true Ignatius Leong Director Mortgage X 151000 128300 false true true James Notter Director Credit Card X 23000 12945 false true true John Quercia Director HELOC X 58889 41812 false true true Brian Sullivan Director HELOC X 50000 46094 false true true Brian Sullivan Director Vehicle X 54292 23213 false true true 316922 Part V | PartandLinenumber:,Explanation:| Part II General,11 Brian Sullivan - Director- Credit Card - $17,500 - $2,188 - No Yes Yes 12 Dustin Jacobs - Officer - Credit Card - $22,500 - $2.00 - No Yes Yes 13 Dustin Jacobs - Officer - Credit Card - $17,500 - $804 - No Yes Yes 14 Wendy Lutheran - Officer - Vehicle - $19,944 - $12,944 - No Yes Yes 15 Biana Murnane - CEO- Credit Card - $40,000 - $12,682 - No Yes Yes 16 Biana Murnane - CEO - Credit Card - $1,500 - $1,174 - No Yes Yes 17 Biana Murnane - CEO - Credit Card - $5,000 - $1,238 - No Yes Yes 18 Carlos Ospino - Officer - Vehicle - $32,169 - $14,106 - No Yes Yes 19 Natasha Schneider - Officer - Credit Card - $20,000 - $1,440 - No Yes Yes 20 Natasha Schneider - Officer - Credit Card - $30,000 - $881 - No Yes Yes.| Part VI, Line 6 Credit Union is member driven. Part VI, Line 7a Members elect Board Members. Part VI, Line 11b No review was or will be conducted. 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.