2023-05-18T10:48:30-04:00 2022-12-31 592164330 Gerald E Creasman CPA PA 9200 S Dadeland Blvd Suite 504 Miami FL 33156 990 2022-01-01 596194363 MIDFLORIDA CREDIT UNION MIDF PO BOX 8008 LAKELAND FL 33802 ZELDA ABRAM CFO 8636162157 2023-05-05 false ZELDA ABRAM Gerald E Creasman CPA P00428587 3055960903 2023-05-18 0 00 AAL1 IAL1 2022 2023-04-26 12:10:37Z 312549911 false X WWW.MIDFLORIDA.COM X 1954 FL SEE SCHEDULE O 11 11 1777 11 715924 0 0 260195313 294873273 10202571 15193724 7984660 2482914 278382544 312549911 0 0 95301032 104049939 0 0 74266520 118761875 169567552 222811814 108814992 89738097 6049933825 6612347991 5487548517 5991561214 562385308 620786777 SEE SCHEDULE O false false 222811814 EMPLOYEE LABOR AND BENEFIT COSTS INCURRED TO SUPPORT SAVINGS SERVICES, LOAN ORIGINATIONS, AND SERVICING THE LOAN PORTFOLIO FOR ITS MEMBERS DIVIDENDS AND INTEREST PAID TO MEMBERS ON THEIR SHARE ACCOUNTS, MONEY MARKET ACCOUNTS, AND CERTIFICATE OF DEPOSIT ACCOUNTS. OFFICE EXPENSES AND DATA PROCESSING EXPENSES NECESSARY TO SUPPORT MEMBER ACCOUNT AND LOAN ACTIVITY BY PROVIDING MEMBERS ACCESS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS, AND IN PERSON AT THE CREDIT UNION OFFICES. 222811814 false false false false false false false false false true true false false true false true false false false false false false false false false false false false true false false false false false false false false false false false true false false false true 0 0 true 1777 true true true false false false false false false false false false false false false false false true false X 11 11 false false false false false true true true true false true true true true true true true true true true false false FL X ZELDA V ABRAM 8636162150 PO BOX 8008 LAKELAND FL 33802 DUANE K JONES PRESIDENT EMERITUS 50.00 0.00 X 623063 0 2031242 SAMUEL S MOSELEY CEO 50.00 0.00 X 999620 0 0 HUGH DAILEY CEO SE TRUSTSPECIAL ASST MGR 50.00 0.00 X 433565 0 0 STERLING GRUBBS CHIEF LENDING OFFICER 50.00 0.00 X 418579 0 0 ZELDA V ABRAM CFO 50.00 0.00 X 416044 0 0 CHRISTOPHER DAVID COO 50.00 0.00 X 388043 0 0 MICHELLE GARRETT SVPII BUSINESS BANKING 50.00 0.00 X 356020 0 0 KINDRA WALKER AVP MTG LOAN OFFICER 50.00 0.00 X 333344 0 0 DAVID S HAND EVP COMMERCIAL LENDING 50.00 0.00 X 327500 0 0 TIMOTHY S STALEY ORLANDO MARKET PRESIDENT 50.00 0.00 X 327253 0 0 JILL H DAVIS CHIEF MARKETING OFFICER 50.00 0.00 X 312331 0 0 ACIE FORRER SW FL MKT PRES 50.00 0.00 X 310266 0 0 LISON MAURER AVP OUTSIDE MTG SALES 50.00 0.00 X 308357 0 0 MICHAEL H CHEESEMAN CAO 50.00 0.00 X 307443 0 0 JAMES R HAGGINS CHIEF OF RISK MGMNT 50.00 0.00 X 304053 0 0 DONNA BROWN CHIEF AUDIT & COMPLIANCE 50.00 0.00 X 293424 0 0 VANESSA L HERNANDEZ CHIEF RETAIL DELIVERY 50.00 0.00 X 259124 0 0 TIMOTHY LYSAK CHIEF INFO OFFICER 50.00 0.00 X 256651 0 0 NANCY J IRVIN CHIEF HUMAN RESOURCES 50.00 0.00 X 249038 0 0 SARITA GUILLORY SUPERVISORY COMM 0.00 15.00 X 0 0 0 DARRELL L JENSEN DIRECTOR 15.00 0.00 X 0 0 0 DONALD WILLIAMS SR DIRECTOR 15.00 0.00 X 0 0 0 DAN PIERCE DIRECTOR 15.00 0.00 X 0 0 0 GARY I RUHLE DIRECTOR 15.00 0.00 X 0 0 0 CHRISTOPHER GEIGER VICE CHAIRMAN 15.00 0.00 X 0 0 0 CHESTER A BROJEK TREASURER 15.00 0.00 X 0 0 0 KENNETH J HEUBUSCH DIRECTOR 15.00 0.00 X 0 0 0 JOHN J UPPERCO CHAIRMAN 15.00 0.00 X 0 0 0 NICK SUDZINA SECRETARY 15.00 0.00 X 0 0 0 SHIRLEY PELLARCHY DIRECTOR 15.00 0.00 X 0 0 0 TERRENCE MCGRIFF CHAIRMAN SUP COMM 15.00 0.00 X 0 0 0 KATHRYN L ASHMORE SUPERVISORY COMM 15.00 0.00 X 0 0 0 HARRY R WILLIAMS DIRECTOR 15.00 0.00 X 0 0 0 CONNIE MILITO SUPERVISORY COMM 15.00 0.00 X 0 0 0 7223718 0 2031242 20 true true false INTEREST ON LOANS 900099 184917136 184917136 FEE INCOME 900099 51810711 51094787 715924 OTHER OPERATING INCOME 900099 58145426 58145426 294873273 15193724 15193724 OTHER NON OP GAIN 900099 2482914 2482914 2482914 312549911 311833987 715924 0 9074793 9074793 75168826 75168826 19806320 19806320 10167939 10167939 1703580 1703580 241695 241695 9775184 9775184 SEE ATTACHED SCHEDULE 96873477 96873477 222811814 222811814 0 0 36932215 119785006 999931290 73186171 15767591 57010573 4563293745 5475144552 43337347 52679576 261418934 47040419 191763645 214378515 420247181 198907992 199916417 6049933825 6612347991 19421172 49439021 2341266 1140278 40000000 5465786079 5900981915 5487548517 5991561214 X 562385308 620786777 562385308 620786777 6049933825 6612347991 X 89738097 -31336628 X false true X true false 72154176 72154176 138895818 30618068 108277750 1664023 1664023 21869102 14758328 7110774 26835815 26835815 214378515 AFS SECURITIES 420247181 F 420247181 OTHER ASSETS 87311984 LOANS HELD FOR SALE 2460133 ACCRUED INCOME 16701033 GOODWILL BAY GULF 93443267 199916417 MEMBER SHARE ACCOUNTS 5863886274 OTHER LIABILITIES 37095641 5900981915 312549911 312549911 312549911 222811814 222811814 222811814 X X X X X DUANE K JONES PRESIDENT EMERITUS 241895 224378 156790 2031242 2654305 SAMUEL S MOSELEY CEO 801600 172175 25845 999620 DAVID S HAND EVP COMMERCIAL LENDING 64390 88013 175097 327500 MICHAEL H CHEESEMAN CAO 251600 50456 5387 307443 JAMES R HAGGINS CHIEF OF RISK MGMNT 251600 50455 1998 304053 NANCY J IRVIN CHIEF HUMAN RESOURCES 63462 61508 124068 249038 ZELDA V ABRAM CFO 336600 73104 6340 416044 JILL H DAVIS CHIEF MARKETING OFFICER 251600 53436 7295 312331 STERLING GRUBBS CHIEF LENDING OFFICER 336600 71016 10963 418579 TIMOTHY S STALEY ORLANDO MARKET PRESIDENT 272785 53444 1024 327253 CHRISTOPHER DAVID COO 311600 64679 11764 388043 VANESSA L HERNANDEZ CHIEF RETAIL DELIVERY 203691 45062 10371 259124 HUGH DAILEY CEO SE TRUSTSPECIAL ASST MGR 341222 78727 13616 433565 ACIE FORRER SW FL MKT PRES 253600 56054 612 310266 TIMOTHY LYSAK CHIEF INFO OFFICER 209905 43158 3588 256651 LISON MAURER AVP OUTSIDE MTG SALES 22533 285824 308357 KINDRA WALKER AVP MTG LOAN OFFICER 333244 100 333344 DONNA BROWN CHIEF AUDIT & COMPLIANCE 229487 60393 3544 293424 MICHELLE GARRETT SVPII BUSINESS BANKING 142867 46846 166307 356020 Member election for additional members Part VI line 7a ANNUAL ELECTIONS ARE HELD AND ALL MEMBERS IN GOOD STANDING ARE ENTITLED TO VOTE FOR THE SLATE OF VOLUNTEERS THAT HAVE BEEN PLACED ON BALLOTS Governing body decisions Part VI line 7b DECISIONS ARE SUBJECT TO APPROVAL BY MEMBERS AND THE BOARD OF DIRECTORS Form 990 governing body review Part VI line 11 ANNUAL TAX RETURNS ARE REVIEWED BY OFFICERS AND BOARD OF DIRECTORS Conflict of interest policy compliance Part VI line 12c THE ENFORCEMENT OF CONFLICTS OF INTEREST ARE CARRIED OUT BY THE ORGANIZATION. ANY CONFLICTS OF INTEREST RELATED TO OFFICERS AND DIRECTORS ARE REPORTED TO THE STATE AS PART OF ANNUAL REGULATORY AUDIT CEO executive director top management comp Part VI line 15a COMPENSATION FOR TOP OFFICIAL (CEO) IS COMPRISED OF BOTH A CREDIT UNION AND BANK PEER COMPARISON SURVEY. THE SURVEY IS PRESENTED TO THE BOARD OF DIRECTORS AND THE BOARD APPROVES THE SALARY OF THE CEO. THE CEO CONTRACT IS WRITTEN AND APPROVED BY THE BOARD OF DIRECTORS. Other officer or key employee compensation Part VI line 15b COMPENSATION FOR OFFICERS AND KEY EMPLOYEES IS DETERMINED USING CREDIT UNION AND BANK PEER COMPARISON SURVEY. THE INFORMATION IS PRESENTED TO THE BOARD OF DIRECTORS AND A SALARY RANGE OR INCREASES ARE APPROVED BY BOARD OF DIRECTORS. THE CEO THEN APPROVES ALL SALARY INCREASES BASED ON BOARD GUIDELINES Governing documents etc available to public Part VI line 19 GOVERNING DOCUMENTS, BYLAWS AND COPIES OF TAX RETURNS ARE MADE AVAILABLE BY REQUEST ONLY. THESE DOCUMENTS ARE PROVIDED IN COPY FORMAT WITHIN REASONABLE TIME FRAMES Explanation of other changes in net assets or fund balances Part XI line 9 ADJUSTMENT FOR MARKET VAULE RELATED INVESTMENTS AND ACCUMULATED OTHER COMPREHENSIVE INCOME General explanation attachment FORM 990 PAGE 12 LINE 9 OTHER ADJUSTMENTS, MARK TO MARKET ADJUSTMENT FOR INVESTMENTS HELD FOR RESALE MIDFLORIDA TITLE LLC PO BOX 8008 LAKELAND FL 33803 510423632 TITLE FL N/A RELATED false true 0.55000 MIDFLORIDA INSURANCE SERVICES LLC PO BOX 8008 LAKELAND FL 33802 462807225 INSURANCE SALES FL N/A C Corp 1.00000