2025-10-14T07:49:22-05:00 2024-12-31 593204548 JAMES MOORE & CO PL 5931 NW 1ST PL GAINESVILLE FL 326072063 990 2024-01-01 590808589 RADIANT CREDIT UNION RADI 3864621180 4440 NW 25TH PL GAINESVILLE FL 326066563 TREY PRESNELL CFO 3864621180 2025-10-13 1 1 CORINNE LAROCHE P01500189 3523781331 2025-10-13 2024 2025-03-06 01:10:19Z THOMAS BARNARD 4440 NW 25TH PL GAINESVILLE FL 326066563 55611981 0 X HTTPS://WWW.RADIANTCU.ORG/ X 2021 FL ORGANIZATION IS A NOT-FOR-PROFIT CREDIT UNION THAT OFFERS MEMBERS LOAN AND DEPOSIT SERVICES. 9 9 210 12 1212845 0 0 0 33414486 37459589 5041239 6222396 11370349 11929996 49826074 55611981 0 0 0 0 15511502 16261789 0 0 0 31534077 34342065 47045579 50603854 2780495 5008127 803487053 855283975 143858182 190174455 659628871 665109520 WE WILL DELIVER A TIMELY, ATTENTIVE, PERSONALIZED EXPERIENCE THAT LEAVES OUR MEMBERS FEELING VALUED! 0 0 WE'RE A CREDIT UNION, A NOT-FOR-PROFIT FINANCIAL INSTITUTION PROUDLY SERVING OUR COMMUNITY AND MEMBERS SINCE 1957. WITH ALL THE CHOICES OUT THERE, WHY PICK RADIANT CREDIT UNION? YOU OWN US. OUR MEMBERS AREN'T JUST CUSTOMERS, THEY'RE OWNERS. THIS MEANS WHEN YOU JOIN RADIANT CREDIT UNION, YOU GET A VOICE IN HOW WE DO BUSINESS. AS A NOT-FOR-PROFIT COOPERATIVE, WE RETURN OUR PROFITS TO OUR MEMBER-OWNERS IN THE FORM OF BETTER RATES, LOWER FEES, A HIGHER RETURN ON DEPOSITS, AND PERSONALIZED SERVICE. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 1 54 0 1 210 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 0 0 0 1 1 0 0 0 0 0 1 1 1 0 FL X THE ORGANIZATION 3523815200 4440 NW 25TH PL GAINESVILLE FL 326066563 CHAD KING CHAIRMAN 1.00 0.00 X X 3203 0 0 CYNTHIA S BROCHU VICE CHAIRPERSON 1.00 0.00 X X 1492 0 0 JANE TAYLOR SECRETARY 1.00 0.00 X X 1173 0 0 DAVID NICHOLSON TREASURER 1.00 0.00 X X 2846 0 0 CALVIN DECOURSEY DIRECTOR 1.00 0.00 X 1006 0 0 SHARON PAPCIAK DIRECTOR 1.00 0.00 X 0 0 0 JOHN POWER DIRECTOR 1.00 0.00 X 1659 0 0 APRIL SAVARESE DIRECTOR 1.00 0.00 X 0 0 0 CHARLES GEIGER SR DIRECTOR 1.00 0.00 X 0 0 0 THOMAS BARNARD PRESIDENT/CEO 40.00 1.00 X 521286 0 36406 KELLY CHESSER COO 40.00 0.00 X 245708 0 28410 BRANDON LOVE CIO 40.00 0.00 X 158026 0 15662 MATTHEW BRADDY CLO 40.00 0.00 X 222318 0 27873 ANDREW CUOMO CPO 40.00 0.00 X 233509 0 28528 TREY PRESNELL CFO 40.00 1.00 X 238996 0 28528 JOSH EMERSON VP OF CREDIT 40.00 0.00 X 155844 0 9290 KIMBERLY MAXWELL VP OF IT 40.00 0.00 X 148410 0 8943 WES STRICKLAND VP OF MARKETING 40.00 0.00 X 169516 0 10433 TANNIA WEAVER VP OF RISK/COMPLIANCE 40.00 1.00 X 158029 0 9148 ERIC WHISLER CONTACT CENTER DIRECTOR 40.00 1.00 X 131575 0 7900 2394596 0 211121 11 0 1 0 SORENSON VANLEUVEN PLLC PO BOX 3637 TALLAHASSEE FL 32315 LEGAL FEES 384849 WITTENBACH BUSINESS SYSTEMS LLC PO BOX 45769 BALTIMORE MD 212975769 SECURITY 159210 PK 5 LLC 2627 NW 43RD STREET SUITE 300 GAINESVILLE FL 32606 RENT 138071 3 CONSUMER LOANS 522291 21321675 21321675 BUSINESS LOANS 522220 6090982 6090982 VISA 522210 4096803 4096803 MORTGAGE LOANS 522292 3018427 3018427 HELOC LOANS 522292 2834394 2834394 97308 97308 37459589 6052124 6052124 170272 0 170272 170272 170272 MISCELLANEOUS OPERATING INCOME 522100 6247483 6247483 FEE INCOME 522100 4469668 4469668 DEBT PROTECTION 524298 519499 519499 693346 693346 11929996 55611981 48347012 1212845 6052124 1796630 11723222 516381 2225556 162052 101396 640362 908031 883196 3585727 1207481 363286 2000 14813396 1132318 208804 PROVISION FOR LOAN LOSS 4683250 LOAN SERVICING 2761697 DEBIT CARD 1390552 ATM 646861 851656 50603854 3423352 6859917 16042605 18532792 621808062 647566038 2309892 5813302 35316290 11835109 22125703 23481181 128230055 143342300 725074 478079 8822310 9210366 803487053 855283975 3874519 4177571 540837 453005 40000000 40000000 99442826 145543879 143858182 190174455 X 0 0 0 0 659628871 665109520 659628871 665109520 803487053 855283975 5008127 472522 0 X 0 1 X 1 0 7614775 7614775 20220252 6023232 14197020 895529 695131 200398 6585734 5116746 1468988 23481181 OVERNIGHT INVESTMENTS 59405161 F ALL OTHER INVESTMENTS 83937139 F 143342300 DIVIDENDS PAYABLE 3524 INTEREST PAYABLE 206847 OTHER LIABILITIES -732637 TAXES PAYABLE -77268 OPERATING LEASE LIABILITY 478079 SHARE LIABILITY 145573785 MISCELLANEOUS LIABILITIES 91549 145543879 X 56084503 472522 472522 55611981 0 55611981 50603854 0 50603854 0 50603854 PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE AND LOCAL INCOME TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE (IRC) AND STATE TAX LAWS. HOWEVER, IRC SECTION 511 IMPOSES A TAX ON THE UNRELATED BUSINESS INCOME DERIVED BY STATE-CHARTERED CREDIT UNIONS. GENERALLY, THESE TAXES ARE INSIGNIFICANT TO THE CREDIT UNION. X X X X X 0 1 0 THOMAS BARNARD PRESIDENT/CEO 436093 0 83066 0 2127 0 20700 0 15706 0 557692 0 0 0 KELLY CHESSER COO 206914 0 38203 0 591 0 13847 0 14563 0 274118 0 0 0 TREY PRESNELL CFO 201752 0 37244 0 0 0 13965 0 14563 0 267524 0 0 0 ANDREW CUOMO CPO 196266 0 37243 0 0 0 13965 0 14563 0 262037 0 0 0 MATTHEW BRADDY CLO 186676 0 35642 0 0 0 13310 0 14563 0 250191 0 0 0 WES STRICKLAND VP OF MARKETING 141181 0 28335 0 0 0 10433 0 0 0 179949 0 0 0 BRANDON LOVE CIO 143425 0 14601 0 0 0 7167 0 8495 0 173688 0 0 0 TANNIA WEAVER VP OF RISK/COMPLIANCE 132959 0 25070 0 0 0 9148 0 0 0 167177 0 0 0 JOSH EMERSON VP OF CREDIT 130411 0 25433 0 0 0 9290 0 0 0 165134 0 0 0 KIMBERLY MAXWELL VP OF IT 123682 0 24728 0 0 0 8943 0 0 0 157353 0 0 0 PART I, LINE 4B DEFERRED COMPENSATION PLAN 457(F): DURING THE YEAR ENDED DECEMBER 31, 2024, THE CREDIT UNION ESTABLISHED A SUPPLEMENTARY RETIREMENT PLAN (PLAN) WITH CERTAIN EXECUTIVE OFFICERS. THESE OFFICERS WERE TOM BARNARD, KELLY CHESSER, GEORGE PRESNELL, MATTHEW BRADDY, ANDREW CUOMO, AND BRANDON LOVE. THE UNDERLYING ASSET IN THE PLAN IS LIFE INSURANCE. THE POLICIES ARE RECORDED AT CASH SURRENDER VALUE, OR THE AMOUNT THAT CAN BE CURRENTLY REALIZED AS OF THE BALANCE SHEET DATE. THE OBLIGATIONS OF THE CREDIT UNION ARE BASED ON THE CONTRACTED AGREEMENTS WITH APPLICABLE EXECUTIVE OFFICERS. NO PAYMENTS WERE MADE FROM THE 457(F) PLAN IN 2024. THE ORGANIZATION HAS A SPLIT DOLLAR RETIREMENT PLAN IN PLACE FOR OFFICER TOM BARNARD. THERE ARE NO FUNDS PAID CURRENTLY AS THE OFFICER DOES NOT MEET THE AGE REQUIREMENT. THE CREDIT UNION FUNDED THE PRESENT CASH VALUE OF THE POLICY FOR WHICH IT RETAINS ON THE BALANCE SHEET AS AN ASSET AND ADJUSTS IT MONTHLY TO MARKET VALUE. FORM 990, PART VI, SECTION B, LINE 11B THE RETURN IS REVIEWED BY MANAGEMENT BEFORE FILING. THE RETURN IS NOT GIVEN TO THE ENTIRE BOARD FOR REVIEW PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 15 THE ORGANIZATION USES THE FOLLOWING TO DETERMINE THE SALARY OF THE CEO: - COMPENSATION COMMITTEE THAT IS A SUB-COMMITTEE OF THE BOARD - INDEPENDENT COMPENSATION CONSULTANT - COMPENSATION STUDY - APPROVAL BY THE BOARD/COMMITTEE - WRITTEN EMPLOYMENT CONTRACT SIMILAR PROCEDURES ARE FOLLOWED FOR OTHER KEY OFFICERS. FORM 990, PART VI, SECTION C, LINE 19 FORM 990 IS AVAILABLE UPON REQUEST. RAYS OF HOPE FOUNDATION INC 4440 NW 25TH PLACE GAINESVILLE FL 32606 810734376 TO PROMOTE AND PROVIDE CHARITABLE ASSISTANCE FL 501(C)(3) LINE 7 RADIANT CREDIT UNION 1 RADIANT FINANCIAL SOLUTIONS LLC 4440 NW 25TH PLACE GAINESVILLE FL 32606 454195071 CREDIT UNION SERVICE ORGANIZATION FL RADIANT CREDIT UNION S 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 0 0 0 0