2025-05-13T12:05:10-04:00 2024-12-31 202711127 CU AUDIT & COMPLIANCE GROUP 3692 COOLIDGE CT TALLAHASSEE FL 323117890 990 2024-01-01 590991497 CALHOUN-LIBERTY CREDIT UNION CALH 8506744527 16076 STATE ROAD 71 S BLOUNTSTOWN FL 324245100 THOMAS FLOWERS CEO 8506744527 2025-05-07 true false AMANDA ONKST P02387288 2054372176 2025-05-13 2024 2025-03-06 01:10:19Z THOMAS FLOWERS 16076 FLORIDA 71 BLOUNTSTOWN FL 32424 11490747 false X WWW.CLECU.ORG X CREDIT UNION 1957 FL CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. 6 6 34 7 243840 350000 0 5971007 8427230 739286 1360750 802450 1702767 7862743 11490747 0 0 1945160 2689246 0 0 4508838 7590824 6453998 10280070 1408745 1210677 123153567 160014197 113843841 143449807 9309726 16564390 CREDIT UNION - TO PROVIDE SERVIES TO APPROXIMATELY 9,216 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. false false 7260564 NON-INTEREST EXPENSE & PROVISION FOR LOAN LOSS. THE CREDIT UNION RECEVIED 2 CDFI GRANTS IN 2023. THE GRANT EXPENSE REPRESENTS THE AMOUNT EXPENSED FOR CAPITAL IN 2023. 3019506 INTEREST EXPENSE 10280070 false false false false false false false false false true true false false true false false false false false false false false false false false false false false true false false false false false false false false false false false false false false true 26 0 true 34 true true true false false false false false false false X 6 6 false false true false true true true true true false true true false false false true true true false FL X THOMAS FLOWERS 8506744527 16076 FLORIDA 71 BLOUNTSTOWN FL 32424 THOMAS FLOWERS CEO 40.00 X 234691 0 36008 TERRI WALDON COO 40.00 X 165006 0 30065 REB SCHMIDT CFO 40.00 X 159227 0 0 SHELLY BURNS CLO 40.00 X 136005 0 14801 ANNIE JO DAWSON BOD CHAIR 1.00 X 0 0 0 JUSTIN FORD BOD 1.00 X 0 0 0 JUDY FRANKLIN BOD SECRETAR 1.00 X X 0 0 0 DENNY GEORGE BOD 1.00 X 0 0 0 DANNY HASSIG JR BOD VICE CHA 1.00 X 0 0 0 DIANE LONG BOD TREAS/AC 1.00 X X 0 0 0 ELAINE BARBER AUDIT COMM M 1.00 X 0 0 0 694929 80874 4 false true false INTEREST ON LOANS 522291 7818182 7818182 FEE INCOME 522100 609048 609048 8427230 1360750 1360750 OTHER OPERATING INCOME 525990 964023 964023 OTHER NON-INT INCOME/EXP 525990 655750 655750 UBIT 525990 243840 243840 -160846 -160846 1702767 11490747 11246907 243840 1688736 1688736 206397 206397 665977 665977 128136 128136 1122836 1122836 332129 332129 133029 133029 3019506 3019506 PROF. & OUTSIDE SERVICES 1366643 1366643 PROV FOR LOAN LOSS 895596 895596 LOAN SERVICING EXPENSE 319246 319246 EDUCATIONAL & PROMO 230348 230348 171491 171491 10280070 0 10280070 0 8363893 8293935 3035644 1570728 87282757 114826172 235173 313818 6993067 2199768 2915457 4793299 17792398 25187589 3528245 5028656 123153567 160014197 4268198 4009685 109575643 139440122 113843841 143449807 X 9309726 16564390 9309726 16564390 123153567 160014197 X 1210677 -243496 6287483 X false false 352081 352081 4618597 1018862 3599735 1805688 1180906 624782 216701 216701 4793299 ALL OTHER INVESTMENTS 24242247 PAID-IN CAPITAL 945342 25187589 ALL OTHER SHARES 63175282 REGULAR DRAFTS 47166037 SHARE DRAFTS 24860137 NONMEMBER DEPOSITS 4238666 139440122 false true false THOMAS FLOWERS CEO 197059 37632 36008 270699 TERRI WALDON COO 142356 22650 30065 195071 REB SCHMIDT CFO 159227 159227 SHELLY BURNS CLO 113885 22120 14801 150806 SCHEDULE J, PAGE 1, PART I, LINE 4 THOMAS FLOWERS 0 20,874 0 FORM 990, PAGE 1, PART I, LINE 6 HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION. FORM 990, PAGE 6, PART VI, LINE 4 NAME CHANGED FROM CALHOUN LIBERTY EMPLOYEES CREDIT UNION TO CALHOUN LIBERTY CREDIT UNION. NCUA CERTIFIED NAME CHANGE AND APPROVED SEPTEMBER 1, 2024. EFFECTIVE JULY 1, 2024 FLORIDA RURAL ELECTRIC CREDIT UNION WAS MERGED INTO CALHOUN LIBERTY CREDIT UNION, CALHOUN LIBERTY CREDIT UNION IS THE REMAINING ENTITY. FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS OWNED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTROS EACH YEAR AT THE ANNUAL MEETING. FORM 990, PAGE 6, PART VI, LINE 7B SOME DECISINS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 11B THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. FORM 990, PAGE 6, PART VI, LINE 15A THE CFO PRESENTS CUNA SALARY SURVERY DATA TO THE BOARD OF DIRECTORS, AND THEN THE BOARD OF DIRECTORS APPROVES SALARY. FORM 990, PAGE 6, PART VI, LINE 15B THE CFO PRESENTS CUNA SALARY SURVERY DATA TO THE BOARD OF DIRECTORS, AND THEN THE BOARD OF DIRECTORS APPROVES SALARY. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH. FORM 990, PART XI, LINE 9 EQUITY FROM MERGER 6,144,348 DIFF IN EQUITY - MERGER 143,167 OTHER ADJ -32 TOTAL 6,287,483