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BRIGHTSTAR CREDIT UNION

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Public IRS 990 nonprofit record

BRIGHTSTAR CREDIT UNION

EIN 59-0653174 · Mutual & Membership Benefit (Y)

What they do

CREDIT UNION

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $100.30 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2024The charity has a recent tax report to read.

They explain their jobThe explanation is very short. Ask what work they really do.

They name their leaders31 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

88.24%of revenue went to mission work100.3% of expenses · Program services
$88.01spent for every $100 of revenueRevenue covered expenses this year.
$17.98in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $1,094,340 for BIANA MURNANE (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2024

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$57,338,057
Mission workProgram services$50,596,39188.24% of revenue100.3% of expenses
ManagementOffice and general costs0.00% of revenue0.0% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Revenue left after expensesReported annual surplus$6,877,02611.99% of revenueShown in gray on the chart
Total expenses$50,461,03188.01% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails
2024CurrentExpense mix: 100.3% mission · 0.0% management · 0.0% fundraisingTotal expenses: 88.01% of revenue
2023Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 84.58% of revenue
2022Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 81.70% of revenue
2021Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 78.92% of revenue
2020Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 95.53% of revenue
2019Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 96.12% of revenue
2018Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 89.87% of revenue
2017Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 90.27% of revenue

Money in and money out

Revenue$57,338,057
Expenses$50,461,031
Annual surplus $6,877,026 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$50,596,391 · 100.3% of expenses
This source amount exceeds total expenses; compare the filing details carefully.
See all reported dollar amounts
Revenue$57,338,057
Expenses$50,461,031
Assets$907,260,002
Income$57,994,129
Mission work (program services)$50,596,391
Grants given$746,653
Average grant$23,333
Stocks and bonds$72,574,731
Accounting fees$144,791
People

Leadership and board

Tax year 2024

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
BIANA MURNANECEO · 40 hrs/week $1,094,340Base $922,714 · Other $171,626
DAVID MATEOVP OF COMMERCIAL LENDING SERVICES · 40 hrs/week $495,701Base $473,212 · Other $22,489
MICHAEL TOMKOCONSULTANT TO THE CEO · 40 hrs/week $430,333Base $415,648 · Other $14,685
NATASHA SCHNEIDERVP OF FINANCE · 40 hrs/week $258,902Base $235,718 · Other $23,184
DUSTIN JACOBSVP OF MARKETING · 40 hrs/week $246,626Base $218,870 · Other $27,756
CARLOS OSPINOVP OF OPERATIONS · 40 hrs/week $240,676Base $215,126 · Other $25,550
WENDY LUTHERANVP OF HUMAN RESOURCES · 40 hrs/week $232,472Base $220,605 · Other $11,867
AMANDA RUDDYAVP OF BRANCH OPERATIONS · 40 hrs/week $175,365Base $155,372 · Other $19,993
NEIL DIETZSR VICE PRESIDENT OF LENDING · 40 hrs/week $174,704Base $160,361 · Other $14,343
JAMES HUAMANVP OF INFORMATION TECHNOLOGY · 40 hrs/week $172,582Base $157,881 · Other $14,701
DAVID DIAZAVP OF FACILITIES · 40 hrs/week $170,954Base $146,730 · Other $24,224
AYLEEN ALFONSOAVP OF FRAUD COMPLIANCE · 40 hrs/week $167,191Base $149,792 · Other $17,399

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (31)

BIANA MURNANECEO

DAVID MATEOVP OF COMMERCIAL LENDING SERVICES

MICHAEL TOMKOCONSULTANT TO THE CEO

NATASHA SCHNEIDERVP OF FINANCE

DUSTIN JACOBSVP OF MARKETING

CARLOS OSPINOVP OF OPERATIONS

WENDY LUTHERANVP OF HUMAN RESOURCES

AMANDA RUDDYAVP OF BRANCH OPERATIONS

NEIL DIETZSR VICE PRESIDENT OF LENDING

JAMES HUAMANVP OF INFORMATION TECHNOLOGY

DAVID DIAZAVP OF FACILITIES

AYLEEN ALFONSOAVP OF FRAUD COMPLIANCE

RAED SOUDANICOLLECTION MANAGER

RICARDO ACOSTAAVP OF ORGANIZATIONAL DEVELOPMENT

GABRIEL PEREZIT DIRECTOR

KATHLEEN BACCOCREDIT ADMIN AND LENDING SRVS MANAGER

DAVID RUIZCOMMERCIAL PORTFOLIO ADMINISTRATOR

MANUEL CARDENASMORTGAGE SERVICES MANAGER

GUY PETROROSR VP OF LENDING

HAROLD HASSENFELTCHIEF INFORMATION OFFICER

WILLIAM HENNESSEYBOARD DIRECTOR

COLIN BATTLECHAIRMAN OF THE BOARD

PATRICK HARDIGANSUPERVISORY COMMITTEE

DIANA MARTENSSUPERVISORY COMMITTEE

BEN LEONGCHAIR PERSON SUPERVISORY COMMITTEE

KEVIN CRONINBOARD TREASURER

HENRY ROBINSONBOARD DIRECTOR

BRIAN SULLIVANBOARD SECRETARY

JIM NOTTERBOARD VICE CHAIRMAN

JOHN QUERCIABOARD VICE CHAIRMAN

WILLIAM LAWRENCESUPERVISORY COMMITTEE

About this charity

Recognized since
January 1970
Location
3400 N UNIVERSITY DR, COOPER CITY, FL 33024-2242
County
Broward
In care of
% BIANA MURNANE
Primary officer
Natasha Schneider, VP of Finance

How to reach them

Filing and classification

Latest tax year
2024
Tax period began
January 1, 2024
Return type
990
NTEE classification
Mutual & Membership Benefit (Y)
IRS tax category
Mutual & Membership Benefit
Grant-giving organization
Yes

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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