2026-08-31T09:34:40-05:00 2025-11-30 994260840 DOEREN MAYHEW 8785 SW 165TH AVE STE 303 MIAMI FL 33193 990 2025-01-01 590642953 FIRST COAST COMMUNITY CREDIT UNION FIRS 3863285555 306 S PALM AVENUE PALATKA FL 32177 GRETCHEN LUNSFORD CEO 3863285555 2026-08-27 1 AUBREY CLEGG P01076395 3052328272 2026-08-25 2025 X GRETCHEN LUNSFORD 306 SOUTH PALM AVENUE PALATKA FL 32177 7109835 0 2106 X WWW.FIRSTCOASTCCU.COM X 1948 FL DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. X 7 7 31 7 25972 0 0 0 4705805 4342688 2581742 2767147 0 0 7287547 7109835 0 0 0 0 2580067 2509829 0 0 0 3310397 3668001 5890464 6177830 1397083 932005 146696091 0 128038774 0 18657317 0 X DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES. 0 1 INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP. 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 1 0 0 0 0 0 1 2906 0 1 31 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 1 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X GRETCHEN LUNSFORD 3863285555 306 SOUTH PALM AVENUE PALATKA FL 32177 JAMES NORWOOD JR CHAIRPERSON 1.00 X 0 0 0 RUDY HOWARD VICE CHAIRPERSON 1.00 X 0 0 0 CANDY RIGDON SECRETARY 1.00 X 0 0 0 CATHY MERRITT TREASURER 1.00 X 0 0 0 LINDA OSBORNE BOD MEMBER 1.00 X 0 0 0 BETTY POTEET BOD MEMBER 1.00 X 0 0 0 MATT REYNOLDS BOD MEMBER 1.00 X 0 0 0 GRETCHEN LUNSFORD CEO 40.00 X 649116 0 43099 SANDRA PREVATT EVP 40.00 X 589320 0 40792 1238436 0 83891 2 0 1 0 JACK HENRY & ASSOCIATES PO BOX 807 MONETT MO 657080807 SOFTWARE SUPPORT 457237 CONNECT FSS 1333 EAST 9400 SOUTH SUITE 250 SANDY UT 84093 DATA PROCESSING 121819 2 INCOME FROM LOANS 522100 3094191 3094191 FEES/CHARGES/OTHER 522100 1222525 1222525 FINANCE & INSURANCE 520000 25972 25972 4342688 2767147 2767147 7109835 7083863 25972 0 X 563609 1353791 156540 324725 111164 34480 455497 62471 435363 398719 141319 88130 684665 234260 188470 MAINTENANCE AND REPAIRS 331331 PROVISION FOR LOAN LOSS 284403 RADIANT MERGER 110718 VISA EXPENSES 95668 122507 6177830 2276228 0 24980173 0 0 50705 0 0 0 48480390 0 0 251934 0 0 2595745 0 17749792 0 45447976 0 0 1901281 0 2961867 0 146696091 0 1374014 126664760 0 128038774 0 X 0 0 0 0 18657317 0 18657317 0 146696091 0 X 932005 -19589322 X 0 0 0 X X X X 0 0 0 GRETCHEN LUNSFORD CEO 235716 0 24682 0 388718 0 0 0 43099 0 692215 0 0 0 SANDRA PREVATT EVP 188067 0 27329 0 373924 0 0 0 40792 0 630112 0 0 0 PART I, LINE 3 GRETCHEN LUNSFORD'S AND SANDRA PREVATT'S COMPENSATION REPORTED IN COLUMN B(III) OF SCH J INCLUDES A 457(B) BENEFIT DISTRIBUTIONS. THE EXECUTIVES' ANNUAL 457(B) DEFERRALS WERE REPORTED AS A COMPONENT OF BOX 5 COMPENSATION WITHIN PRIOR YEARS' FORMS W-2. SPECIFICALLY, SINCE BOX 5 HAS HISTORICALLY EXCEEDED THE DOLLAR AMOUNT REPORTED IN BOX 1, THE COMPENSATION RELATIVE TO THE 457(B) DISTRIBUTION ($384,996 FOR GRETCHEN LUNSFORD AND $373,722 FOR SANDRA PREVATT) INCLUDED IN 2025 COMPENSATION REPORTED IN PART VII AND SCH J, PART II WAS BEEN REPORTED AS W-2 COMPENSATION IN PRIOR YEARS' FORMS 990 AS IT WAS BEING DEFERRED BY THE EMPLOYEE. LOANS TO MEMBERS NET OF THE ALLOWANCE FOR CREDIT LOSSES 2025-12-01 47177936 INDEPENDENT THIRD PARTY VALUATION 590808589 RADIANT CREDIT UNION 4440 NW 25TH PL GAINESVILLE FL 326066563 501(C)(14) CASH AND CASH EQUIVALENTS 2025-12-01 13700690 INDEPENDENT THIRD PARTY VALUATION 590808589 RADIANT CREDIT UNION 4440 NW 25TH PL GAINESVILLE FL 326066563 501(C)(14) INVESTMENTS 2025-12-01 81439473 INDEPENDENT THIRD PARTY VALUATION 590808589 RADIANT CREDIT UNION 4440 NW 25TH PL GAINESVILLE FL 326066563 501(C)(14) PROPERTY AND EQUIPMENT 2025-12-01 3587080 INDEPENDENT THIRD PARTY VALUATION 590808589 RADIANT CREDIT UNION 4440 NW 25TH PL GAINESVILLE FL 326066563 501(C)(14) OTHER ASSETS 2025-12-01 3669556 INDEPENDENT THIRD PARTY VALUATION 590808589 RADIANT CREDIT UNION 4440 NW 25TH PL GAINESVILLE FL 326066563 501(C)(14) 1 1 0 0 1 1 1 1 0 PART I, LINE 2E: PERSON(S) INVOLVED: JAMES NORWOOD JR., MATT REYNOLDS, GRETCHEN LUNSFORD, SANDRA PREVATT PART I, LINE 2E: EXPLANATION OF INVOLVEMENT: JAMES NORWOOD JR., MATT REYNOLDS BECAME MEMBERS OF THE BOARD OF DIRECTORS OF RADIANT CREDIT UNION.GRETCHEN LUNSFORD, CEO OF FIRST COAST COMMUNITY CREDIT UNION, BECAME SVP OF SPECIAL PROJECTS FOR RADIANT CREDIT UNION.SANDRA PREVATT, EVP OF FIRST COAST COMMUNITY CREDIT UNION, BECAME VP OF SPECIAL PROJECTS FOR RADIANT CREDIT UNION. FORM 990, PART III, LINE 3 FOLLOWING A SPECIAL MEETING AND VOTE BY THE MEMBERS OF FIRST COAST COMMUNITY CREDIT UNION DURING OCTOBER 2025, FIRST COAST COMMUNITY CREDIT UNION MERGED ITS ASSETS INTO RADIANT CREDIT UNION EFFECTIVE DECEMBER 1, 2025. CREDIT UNION DEPOSIT AND LENDING SERVICES FOR THE FORMER MEMBERS OF FIRST COAST COMMUNITY CREDIT UNION WILL CONTINUE UNDER RADIANT CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 4 FIRST COAST COMMUNITY CREDIT UNION MERGED ITS ASSETS INTO RADIANT CREDIT UNION EFFECTIVE DECEMBER 1, 2025. CREDIT UNION DEPOSIT AND LENDING SERVICES FOR THE FORMER MEMBERS OF FIRST COAST COMMUNITY CREDIT UNION WILL CONTINUE UNDER RADIANT CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERSHIP CAN VOTE ON BOARD SEATS IF A BOARD MEMBER IS NOT SAT BY ACCLAMATION. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR. FOLLOWING REGULATORY APPROVAL, THE MERGER OF FIRST COAST COMMUNITY CREDIT UNION INTO RADIANT CREDIT UNION WAS APPROVED BY MEMBERS OF FIRST COAST COMMUNITY CREDIT UNION VIA A SPECIAL VOTE WHICH OCCURRED IN OCTOBER 2025. FORM 990, PART VI, SECTION B, LINE 11B INITIAL REVIEW OF THE FORM 990 IS DONE BY SANDRA PREVATT, EVP. IT IS THEN SUBMITTED TO THE CEO, GRETCHEN LUNSFORD, FOR FINAL REVIEW AND APPROVAL. FORM 990, PART VI, SECTION B, LINE 12C THE EXECUTIVE VICE PRESIDENT, UNDER THE DIRECTION OF THE PRESIDENT/CEO MONITORS COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY FOR FIRST COAST COMMUNITY CREDIT UNION. THIS INCLUDES VENDOR MANAGEMENT, EMPLOYEE TRAINING AND MONITORING OF EMPLOYEE TRANSACTIONS. ALL NEW EMPLOYEES ARE GIVEN A CONFLICT OF INTEREST POLICY AS PART OF THE CODE OF CONDUCT. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION OF THE CEO IS SUBJECT TO A BOARD REVIEW ANNUALLY AND IS BASED ON AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY. THE SALARIES OF OTHER OFFICERS AND EMPLOYEES ARE DETERMINED BY UTILIZING THE CUNA MUTUAL GROUP SALARY SURVEY BASED ON CREDIT UNION ASSET SIZE AND MARKET ANALYSIS. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION'S GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE NOT MADE AVAILABLE TO THE PUBLIC. FINANCIAL STATEMENTS ARE MADE AVAILABLE ON THE NCUA'S WEBSITE VIA THE 5300 FILING. FORM 990, PART IX, LINE 24E LOAN SERVICING 56,321. MISCELLANEOUS EXPENSE 48,361. TRAINING 17,825. FORM 990, PART XI, LINE 9: BOOK VALUE OF NET ASSETS (INCLUSIVE OF MEMBER DEPOSITS) TRANSFERRED TO RADIANT CREDIT UNION AS A RESULT OF A MERGER -19,589,322.