2026-04-16T14:01:33-05:00 2025-12-31 990 2025-01-01 590773154 Florida Credit Union FLOR 3523774141 PO Box 5549 Gainesville FL 326275549 Mark Starr CEO 3523774141 2026-04-30 2025 2025-03-06 01:10:19Z Mark Starr PO Box 5549 Gainesville FL 326275549 194330849 0 X www.flcu.org X 1954 FL Credit Union with income from credit union membership and from investments of member funds provide the foundation from which the organization can function and provide service to its restricted membership. 7 7 390 7 737489 0 0 0 36323961 40209328 133073591 149775704 2831 21684 169400383 190006716 0 0 0 0 31805494 33108022 0 0 0 102440647 116759838 134246141 149867860 35154242 40138856 2290696172 2636563039 1993879951 2299607962 296816221 336955077 Income from credit union membership and from investement of member funds provide the foundation from which the organization can function and provide service to its restricted membership. 0 0 Income from credit union membership and from investment of members funds provide the foundation from which the organization can function and provide service to its restricted membership. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 74 0 390 1 1 1 0 0 0 0 0 0 0 1 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 FL X Mark Starr CEO 3523774141 5670 SW 41st BLVD Gainesville FL 32608 Alfred Peoples Board Treasurer 0.00 X 0 0 0 Andrew Sutherland Board Director 0.00 X 0 0 0 Dr Barbara Buys Board Vice-Chair 0.00 X 0 0 0 Faye McKnight Board Secretary 0.00 X 0 0 0 Judy Johnson Board Director 0.00 X 0 0 0 Kara Brown Board Treasurer 0.00 X 0 0 0 Lynn Jones Board Chair 0.00 X 0 0 0 William Hopgood Board Director 0.00 X 0 0 0 Alfred Peoples Board Director 0.00 X 0 0 0 Christine Suarez-Jenkins SVP Lending/CLO 40.00 X 478034 0 83904 David Eckardt SVP Operations/COO 40.00 X 749599 0 79233 Mark Starr President/CEO 40.00 X 1246741 0 40173 Thomas Beck SVP IS/CTO 40.00 X 527717 0 62684 Wendy Koford SVP Finance/CFO 40.00 X 418406 0 62699 Beatrice Cherry SVP Marketing 40.00 X 257165 0 29296 Brian Moses SVP Commercial 40.00 X 343550 0 39085 Sarah King SVP HR & Training 40.00 X 266209 0 37480 Wesley Colson SVP Credit Services 40.00 X 271912 0 50932 April Schroeder SVP Marketing 40.00 X 200284 0 27866 Daniel Arreola VP Risk Managment 40.00 X 213828 0 34304 Jane Harris Commercial Relationship Ma 40.00 X 187537 0 35814 Kirk Becker VP Information Services 40.00 X 197739 0 45854 Lopes Michael VP Systems Engineer 40.00 X 179414 0 45596 Pingue Gregory AVP Mortgage 40.00 X 198262 0 34075 5736397 0 708995 63 0 1 0 Sorenson Van Leuven Law Firm PO Box 3637 Tallahassee FL 32315 Attorneys 737542 Florida Vehicle Investigations 5518 Abagail Drive Spring Hill FL 34608 Repossesion Firm 542536 Williams Gautier Law Firm PO Box 4128 Tallahassee FL 32315 Attorneys 420761 CU POSH Technologies LLC 695 Atlantic Ave 9th Floor Boston MA 02111 Software 144355 Warren Averett Companies LLC PO Box 2567 Birmingham AL 35202 Accounting Firm 120920 5 Other Operating Income 522100 39471839 39471839 Mechanical Breakdown 522291 634894 634894 ATM Surcharges 525990 102595 102595 40209328 154064843 154064843 56678 34994 21684 21684 21684 4289139 -4289139 -4289139 -4289139 190006716 189269227 737489 0 4759617 22053730 2112798 2349692 1832185 438388 134300 25000 4886208 9970063 2251025 645780 55964338 2506873 513535 Provision for Loan Loss 22941338 Prof and Outside Servic 9031253 Loan Servicing 6842861 Miscellanous 329646 279230 149867860 4425389 7611707 329355369 353887896 17473758 37291569 122251 443801 1845145839 2111085000 17779337 20966489 101222443 28574941 44985872 72647502 219964 244094 3374000 3503500 27814393 28881481 2290696172 2636563039 24682274 29209925 1228533 1152829 1390839 1894803 40000000 40000000 1926578305 2227350405 1993879951 2299607962 X 0 0 0 0 296816221 336955077 296816221 336955077 2290696172 2636563039 40138856 0 X 0 0 0 25000 0 1 Part I-A, Line 1: Florida Credit Union Political Action Committee (CUPAC) 0 1 X 14496920 14496920 57087897 7024709 50063188 1915179 1474436 440743 27016699 19420475 7596224 705748 655321 50427 72647502 Member Deposits 2168909405 Non-Member Share Accounts 58441000 2227350405 X 188863969 45704021 45704021 143159948 46846768 46846768 190006716 150801744 40524226 40524226 110277518 39590342 39590342 149867860 Part IV, Line 2b: Escrow for Tax and Insurance on Members Mortgage and Commercial Loans. Part X, Line 2: As of September 30, 2025, the Credit Union had no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the Credit Union has no interest and penalties related to income taxes. With few exceptions, the Credit Union is no longer subject to U.S. Federal, State, and local income tax examinations by tax authorities for years before 2022. Part XI, Line 2d - Other Adjustments: Fiscal VS Calendar Year 4th Qtr 2024 45652638. Gain on Sale of other RE Owned 5126. Unrealized Gain on Equity Securities 46235. Rounding 22. Part XI, Line 4b - Other Adjustments: Fiscal VS Calendar Year 4th Qtr 2025 51146771. Rental Expense -34994. Gain/Loss on Repos -4289139. Gain on Investments 24130. Part XII, Line 2d - Other Adjustments: Fiscal VS Calendar Year 4th Qtr 2024 36172837. Gain or Loss on Sale of Repo's 4351389. Part XII, Line 4b - Other Adjustments: Fiscal Year VS Calendar Year 39590342. Rental Expenses Subtracted from Expense dollars included X 1 1 X X 1 1 0 Mark Starr President/CEO 1015465 0 201899 0 29377 0 13733 0 26440 0 1286914 0 0 0 David Eckardt SVP Operations/COO 369993 0 366194 0 13412 0 27677 0 51556 0 828832 0 275572 0 Thomas Beck SVP IS/CTO 407486 0 96366 0 23865 0 36077 0 26607 0 590401 0 0 0 Christine Suarez-Jenkins SVP Lending/CLO 376979 0 90882 0 10173 0 35755 0 48149 0 561938 0 0 0 Wendy Koford SVP Finance/CFO 335558 0 82848 0 0 0 36711 0 25988 0 481105 0 0 0 Brian Moses SVP Commercial 277593 0 64033 0 1924 0 32537 0 6548 0 382635 0 0 0 Wesley Colson SVP Credit Services 205082 0 52202 0 14628 0 23872 0 27060 0 322844 0 0 0 Sarah King SVP HR & Training 215490 0 48568 0 2151 0 25313 0 12167 0 303689 0 0 0 Beatrice Cherry SVP Marketing 42589 0 0 0 214576 0 26256 0 3040 0 286461 0 0 0 Daniel Arreola VP Risk Managment 168501 0 40359 0 4968 0 22881 0 11423 0 248132 0 0 0 Kirk Becker VP Information Services 168728 0 17446 0 11565 0 23938 0 21916 0 243593 0 0 0 Pingue Gregory AVP Mortgage 184041 0 9228 0 4993 0 21849 0 12226 0 232337 0 0 0 April Schroeder SVP Marketing 187316 0 12968 0 0 0 8257 0 19609 0 228150 0 0 0 Lopes Michael VP Systems Engineer 162254 0 17160 0 0 0 22416 0 23180 0 225010 0 0 0 Jane Harris Commercial Relationship Ma 148130 0 39218 0 189 0 15699 0 20115 0 223351 0 0 0 Part I, Line 1a Gym Reimbursement Part I, Line 3 Florida Credit Union purchases 3rd party salary surveys of competitve industries based on asset size. Part I, Lines 4a-b non-qualified retirement plan David Eckhardt 275,572 Severance Payment Beatrice Cherry 211,259.79 William Hopgood Board Director Credit Card X 20000 934 0 1 1 Dr Barbara Buys Board Vice-Chair Line of Credit X 5500 0 0 1 1 David Eckhardt SVP Operations/COO Credit Card X 20000 1129 0 1 1 Wendy Koford SVP Finance/CFO Home Equity Loan X 120000 9824 0 1 1 Alfred Peoples Board Treasurer Line of Credit X 2056 0 0 1 1 Andrew Sutherland Board Director Credit Card X 7600 6785 0 1 1 David Eckhardt SVP Operations/COO Secured LOC X 2000 0 0 1 1 Andrew Sutherland Board Director Line of Credit X 500 0 0 1 1 Judy Johnson Board Director Credit Card X 10000 0 0 1 1 Mark Starr President/CEO Credit Card X 16000 9217 0 1 1 Beatrice Cherry SVP Marketing Credit Card X 20000 0 0 1 1 Lynn Jones SR Board Chair Credit Card X 13000 0 0 1 1 Dr Barbara Buys Board Vice-Chair Credit Card X 18300 0 0 1 1 Christine Suarez-Jenkins SVP Lending/CLO credit Card X 4000 379 0 1 1 Christine Suarez-Jenkins SVP Lending/CLO credit Card X 1000 949 0 1 1 Lynn Jones SR Board Chair Auto Loan X 47257 23171 0 1 1 Sarah King SVP HR Line of Credit X 5000 0 0 1 1 Sarah King SVP HR credit Card X 12000 0 0 1 1 Andrew Sutherland Board Director RV Loan X 56923 51618 0 1 1 Andrew Sutherland Board Director Line of Credit X 500 0 0 1 1 Wendy Koford SVP Finance/CFO Credit Card X 10000 1347 0 1 1 Sarah King SVP HR Credit Card X 4000 12 0 1 1 Wendy Koford SVP Finance/CFO 1st Mortgage Loan X 279000 275076 0 1 1 Andrew Sutherland Board Director Auto Loan X 36886 30316 0 1 1 Daniel Arreola VP Risk Management Credit Card X 5000 1128 0 1 1 Kirk Becker VP Infrastructure Security Auto Loan X 35305 7244 0 1 1 Kirk Becker VP Infrastructure Security Line of Credit X 500 0 0 1 1 Kirk Becker VP Infrastructure Security Credit Card X 25000 24672 0 1 1 443801 Form 990, Part VI, Section A, line 6 Anyone doing business with the credit union is a member. Form 990, Part VI, Section A, line 7a An annual election is held for open spots on the board of directors and we are regulated by the Florida Division of Financials Institutions and the National Credit Union Administration. Form 990, Part VI, Section B, line 11b Auditors and examiners review the report and give a report to the board of directors. Form 990, Part VI, Section B, line 12c Directors and employees are required to avoid conflicts of interest by Federal and State Banking laws. Staff and board are questioned by auditors as part of the AICPA opinion audit. Form 990, Part VI, Section B, line 15 Florida Credit Union purchases 3rd party salary surveys of competitive industries based on asset size. Form 990, Part VI, Section C, line 18 Available upon request. Form 990, Part VI, Section C, line 19 Financial Statements are available in branch lobbies. Call reports on the web.