STATE CHARTERED CREDIT UNIONS IN FLORIDA AKA FOCUS CREDIT UNION

Address
303 EAST WASHINGTON STREET
CHATTAHOOCHEE, FL 32324
Contact
Website: http://www.focuscu.org
Phone: +1 (850) 663-2404
Nonprofit
NTEE: W61 - Credit Unions
EIN: 23-7036269

Mission

FOCUS CREDIT UNION'S MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.
 20152014201320122011
Basic features of the organization
Doing business as nameFOCUS CREDIT UNION
Year of formation1991
Metropolitan statistical area8240
Form of organization
CorporationTrue
Other form of orgTrue
Description of other form of orgCREDIT UNION
Human resources, including compensation
Summary compensation info
Total compensation of current key personnel$295,492.00$276,303.00$399,764.00$363,883.00$341,421.00
Sum of reportable (W2/1099) compensation$204,908.00$196,237.00$282,431.00$265,059.00$254,663.00
Number of employees4343424540
Number of people compensated >$100k12122
Number of volunteers910777
Number of highly compensated contractors444  
Personnel
Dudley, Bj
Title    V.CHAIRMAN
Name of key/compensated person    BJ DUDLEY
Position of compensated person
Current individual trustee or director    True
Average hours per week working for org    001.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Enfinger, Wc
Title CEOCEOCEOCEO
Name of key/compensated person WC ENFINGERWC ENFINGERWC ENFINGERWC ENFINGER
Position of compensated person
Average hours per week working for org 040.00040.00040.00040.00
Reportable compensation from org $109,152.00$109,127.00$108,960.00$102,934.00
Other comp, non-reportable, from org and related orgs $49,464.00$38,853.00$31,425.00$29,474.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Enfinger, William
TitlePRESIDENT/CEO    
Name of key/compensated personWILLIAM C ENFINGER    
Position of compensated person
Average hours per week working for org40.00    
Reportable compensation from org$112,694.00    
Other comp, non-reportable, from org and related orgs$47,618.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Garner, El
Title DIRECTORDIRECTORCHAIRMANSECRETARY
Name of key/compensated person EL GARNEREL GARNEREL GARNEREL GARNER
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 001.00001.00001.00001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Garner, Elmon
TitleDIRECTOR    
Name of key/compensated personELMON L GARNER    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Harris, Jc
Title TREASURERTREASURERTREASURERTREASURER
Name of key/compensated person JC HARRISJC HARRISJC HARRISJC HARRIS
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 001.00001.00001.00001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Holt, James
TitleTREASURER/V. CHAIRMAN    
Name of key/compensated personJAMES T HOLT SR    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Holt, Jt
Title SECRETARYSECRETARYDIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMM
Name of key/compensated person JT HOLT SRJT HOLT SRJT HOLT SRJT HOLT SR
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 001.00001.00001.00001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Hosey, Vicky
TitleEXE VP/CONTROLLER    
Name of key/compensated personVICKY L HOSEY    
Position of compensated person
Average hours per week working for org40.00    
Reportable compensation from org$92,214.00    
Other comp, non-reportable, from org and related orgs$42,966.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Hosey, Vl
Title V. PRES./CONTROLLERV/PRES./CONTROLLERV/PRES./CONTROLLERV/PRES./CONTROLLER
Name of key/compensated person VL HOSEYVL HOSEYVL HOSEYVL HOSEY
Position of compensated person
Average hours per week working for org 040.00040.00040.00040.00
Reportable compensation from org $87,085.00$74,550.00$72,717.00$70,782.00
Other comp, non-reportable, from org and related orgs $30,602.00$27,266.00$23,926.00$21,722.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Johns, Aj
Title  EXECUTIVE V. PRESIDENTEXECUTIVE V. PRESIDENTEXECUTIVE V. PRESIDENT
Name of key/compensated person  AJ JOHNSAJ JOHNSAJ JOHNS
Position of compensated person
Average hours per week working for org  040.00040.00040.00
Reportable compensation from org  $98,754.00$83,382.00$80,947.00
Other comp, non-reportable, from org and related orgs  $51,214.00$43,473.00$35,562.00
Corresponding comp from related orgs
Reportable compensation from related orgs   $0.00$0.00$0.00
Pickens, R
Title CHAIRMANCHAIRMANV. CHAIRMANDIRECTOR/BOD AUDIT COMM
Name of key/compensated person R PICKENSR PICKENSR PICKENSR PICKENS
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 001.00001.00001.00001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Pickens, Ron
TitleDIRECTOR    
Name of key/compensated personRON PICKENS    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Pinson, D
Title V. CHAIRMANV. CHAIRMANSECRETARY 
Name of key/compensated person D PINSOND PINSOND PINSON 
Position of compensated person
Current individual trustee or director TrueTrueTrue 
Average hours per week working for org 001.00001.00001.00 
Reportable compensation from org $0.00$0.00$0.00 
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00 
Pinson, David
TitleCHAIRMAN    
Name of key/compensated personDAVID PINSON    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Pinson, Dc
Title    CHAIRMAN
Name of key/compensated person    DC PINSON
Position of compensated person
Current individual trustee or director    True
Average hours per week working for org    001.00
Reportable compensation from org    $0.00
Other comp, non-reportable, from org and related orgs    $0.00
Corresponding comp from related orgs
Reportable compensation from related orgs     $0.00
Sammons, R
Title DIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMM 
Name of key/compensated person R SAMMONSR SAMMONSR SAMMONS 
Position of compensated person
Current individual trustee or director TrueTrueTrue 
Average hours per week working for org 001.00001.00001.00 
Reportable compensation from org $0.00$0.00$0.00 
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00 
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00 
Sammons, Rebecca
TitleDIRECTOR    
Name of key/compensated personREBECCA SAMMONS    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Shutes, A
Title DIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMMDIRECTOR/BOD AUDIT COMM
Name of key/compensated person A SHUTESA SHUTESA SHUTESA SHUTES
Position of compensated person
Current individual trustee or director TrueTrueTrueTrue
Average hours per week working for org 001.00001.00001.00001.00
Reportable compensation from org $0.00$0.00$0.00$0.00
Other comp, non-reportable, from org and related orgs $0.00$0.00$0.00$0.00
Corresponding comp from related orgs
Reportable compensation from related orgs  $0.00$0.00$0.00$0.00
Shutes, Aletta
TitleSECRETARY    
Name of key/compensated personALETTA SHUTES    
Position of compensated person
Current individual trustee or directorTrue    
Average hours per week working for org1.00    
Reportable compensation from org$0.00    
Other comp, non-reportable, from org and related orgs$0.00    
Corresponding comp from related orgs
Reportable compensation from related orgs $0.00    
Purpose: mission, activities, & accomplishments
Mission or significant activitiesFOCUS CREDIT UNION'S MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.FOCUS CREDIT UNIONS MISSION IS TO PROVIDE QUALITY, COMPETITIVE PRODUCTS AND SERVICES IN A CONVENIENT, CARING ATMOSPHERE THROUGH SAFE AND SOUND PRACTICES WITH HONESTY AND INTEGRITY AS OUR FOCUS.
Programs, including revenue & expenses
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.
Program descriptionINCOME 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.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.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.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.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.
Financial data
Revenue
Total revenue$6,482,378.00$6,523,141.00$6,543,435.00$6,383,345.00$6,639,940.00
Revenue from contributions (total) $0.00$0.00$0.00$0.00
Investment income, current yr$447,002.00$447,781.00$409,342.00$327,884.00$201,703.00
Total revenue from grants, etc., current yr$0.00$0.00$0.00$0.00$0.00
Total unrelated business revenue$43,703.00$66,268.00$60,396.00$46,893.00$37,700.00
Other revenue, current yr$19,367.00$28,649.00$39,690.00$0.00$0.00
Net unrelated business taxable revenue-$6,276.00-$41,478.00-$30,085.00  
Program service revenue (total)$6,016,009.00$6,046,711.00$6,094,403.00$6,055,461.00$6,438,237.00
Gross receipts$6,605,848.00$8,347,605.00$11,010,401.00$6,658,345.00$6,639,940.00
Other types of revenue
Miscellaneous revenue (total)  $39,690.00  
Income from dividends, interest, and similar investments$460,320.00$465,863.00$409,724.00$325,847.00$201,533.00
Net rental income$19,367.00$28,649.00$0.00$0.00$0.00
Expense categories (totals)
Total functional expenses: sum of all$5,885,115.00$5,713,475.00$6,415,176.00$6,398,750.00$6,295,881.00
Total functional expenses: program service $5,885,115.00$5,713,475.00$6,415,176.00$6,398,750.00$6,295,881.00
Total functional expenses: management and general$0.00    
Total functional expenses: fundraising$0.00    
Fees for services
Lobbying fees (total) $0.00$0.00$0.00$0.00
Legal fees (total)$135,559.00$111,089.00$122,022.00$102,214.00$106,027.00
Fundraising service fees (total)$0.00$0.00$0.00$0.00$0.00
General management fees (total) $0.00$0.00$0.00$0.00
Investment management fees (total) $0.00$0.00$0.00$0.00
Assets and liabilities
Total assets$133,729,506.00$130,089,066.00$130,065,557.00$124,915,365.00$119,689,231.00
Total assets, beginning of year$130,089,066.00$130,065,557.00$124,915,365.00$119,689,231.00$116,632,407.00
Total liabilities$123,273,452.00$119,993,693.00$120,825,113.00$115,371,317.00$109,345,849.00
Total liabilities, beginning of year$119,993,693.00$120,825,113.00$115,371,317.00$109,345,849.00$106,687,899.00
Loans & receivables from key persons$1,264,625.00$1,255,269.00   
Net assets$10,456,054.00$10,095,373.00$9,240,444.00$9,544,048.00$10,343,382.00
Net assets, beginning of year$10,095,373.00$9,240,444.00$9,544,048.00$10,343,382.00$9,944,508.00
Other liabilities$120,818,164.00$118,377,087.00$118,815,101.00$113,841,065.00$108,507,876.00
Other assets$5,579,334.00$5,586,721.00$5,259,998.00$3,476,535.00$1,756,009.00
Investments: other securities$723,286.00$23,525,883.00$19,848,334.00$740,686.00$742,886.00
Investments: publicly traded securities$36,152,281.00$13,775,378.00$16,088,820.00$11,217,039.00$8,518,105.00
Cash: non-interest bearing$3,154,219.00$3,214,328.00$3,251,932.00$2,073,239.00$1,988,190.00
Cash: non-interest bearing, beginning of year$3,214,328.00$3,251,932.00$2,073,239.00$1,988,190.00$1,882,930.00
Other financial variables
Revenue less expenses$597,263.00$809,666.00$128,259.00-$15,405.00$344,059.00
Advertising (total)$60,687.00$43,297.00$67,565.00$68,835.00$53,584.00
Savings & temp cash investment$10,569,463.00$6,056,565.00$6,260,328.00$30,472,482.00$25,389,318.00
Accounts receivable, net$272,933.00$226,090.00$220,337.00$211,856.00$198,921.00
Prepaid expenses & deferred charges$205,337.00$258,502.00$185,859.00$97,443.00$287,074.00
Accounts payable & accrued expenses$2,455,288.00$1,616,606.00$2,010,012.00$1,530,252.00$837,973.00
Total net assets or fund balances$10,456,054.00$10,095,373.00$9,240,444.00$9,544,048.00$10,343,382.00
Depreciation, depletion, amortization$228,329.00$227,037.00$232,370.00$202,382.00$212,496.00
Payment to affiliates $0.00$0.00$0.00$0.00
Governance and accountability
Number of voting members67777
Number of independent voting members67777
Financial sheets auditedTrueTrueTrueTrueTrue
Audit on consolidated basisTrueTrueTrueTrue 
Accrual accountingTrueTrueTrueTrueTrue
Tax year start date2015-01-012014-01-012013-01-012012-01-012011-01-01
Tax year end date2015-12-012014-12-012013-12-012012-12-012011-12-01
Indicators for schedules (selected)
Outstanding loan to key person or disqualified personTrueTrue   
Org has controlled entityTrue  True 
Metadata about the filing
E-return type: 990, 990EZ, or 990PF990990990990990
Date e-filing submitted2017-01-052015-09-102014-10-282013-07-312012-10-25
IRS schema version2015v2.12014v5.02013v3.12012v2.22011v1.2
Filing identifier201632509349300303201502249349302900201442259349301519201311649349300416201232139349300338
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