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STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 11-1644012 ORLANDO, FL

Browse the largest nonprofits in Florida

Revenue 2024
$272,314,802
Expenses 2024
$216,671,085

As filed

Subsection
14
Classification
1000
Street
3087 N ALAFAYA TRL

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of STATE CHARTER CREDIT UNIONS IN FLORIDA GROUP RETURN (EIN 59-6153337). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2024

Mission

CHANGING MEMBERS' LIVES ON THE JOURNEY TO FINANCIAL FREEDOM

Activities or mission (Part I)

THE OBJECT AND PURPOSE OF FAIRWINDS CREDIT UNION IS TO BE A COOPERATIVE, NONPROFIT, ASSOCIATION ORGANIZED UNDER THE LAWS OF THE STATE OF FLORIDA, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING SOURCES OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND PROVIDING AN OPPORTUNITY FOR ITS MEMBERS TO USE AND CONTROL THEIR RESOURCES ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.

  • THE CREDIT UNION NATIONAL ASSOCIATION HAS DETERMINED THAT FAIRWINDS PROVIDED $14,665,075 IN DIRECT FINANCIAL BENEFITS TO ITS 230,706 MEMBERS DURING THE TWELVE MONTHS ENDED DECEMBER 2024. THESE BENEFITS ARE EQUIVALENT TO APPROXIMATELY $133 PER MEMBER HOUSEHOLD.

  • FAIRWINDS SAVED OUR MEMBERS APPROXIMATELY $2.2 MILLION ON THEIR 15-YEAR MORTGAGES IN 2024 BY OFFERING 15-YEAR MORTGAGE LOAN RATES THAT WERE AT LEAST 0.48% LOWER THAN RATES OFFERED BY OTHER FLORIDA BANKS.

  • FAIRWINDS SAVED OUR MEMBER APPROXIMATELY $4.9 MILLION ON THEIR 30-YEAR MORTGAGES IN 2024 BY OFFERING 30-YEAR MORTGAGE LOAN RATES THAT WERE AT LEAST 0.61% LOWER THAN RATES OFFERED BY OTHER FLORIDA BANKS.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Carol Denton

    BOARD MEMBER

    Total calculated
    $12,161
    From this org
    $12,161
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • John Mahony

    VICE CHAIRPERSON

    Total calculated
    $57,709
    From this org
    $57,709
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Elizabeth Krahmer

    CHAIRPERSON

    Total calculated
    $39,023
    From this org
    $39,023
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Mack Perry

    BOARD MEMBER

    Total calculated
    $14,913
    From this org
    $14,913
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Richard Leigh

    SECRETARY

    Total calculated
    $19,388
    From this org
    $19,388
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Lisa Snead

    BOARD MEMBER

    Total calculated
    $19,219
    From this org
    $19,219
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Jason Albu

    TREASURER

    Total calculated
    $45,174
    From this org
    $45,174
    From related orgs
    $0
    Other
    $0
    Hours/week
    0.5
  • Larry Tobin

    CEO/PRESIDENT

    Total calculated
    $8,983,293
    From this org
    $4,871,981
    From related orgs
    $0
    Other
    $4,111,312
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $1,312,033
    Bonus
    $1,529,020
    Other
    $2,030,928
    Deferred
    $3,777,382
    Nontaxable benefits
    $333,930
    Filer's total
    $8,983,293
  • Kathy Chonody

    SR EVP-CFO

    Total calculated
    $1,368,322
    From this org
    $1,269,396
    From related orgs
    $0
    Other
    $98,926
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $541,012
    Bonus
    $601,452
    Other
    $126,932
    Deferred
    $91,008
    Nontaxable benefits
    $7,918
    Filer's total
    $1,368,322
  • Phillip Tischer

    SR EVP-COO

    Total calculated
    $1,403,764
    From this org
    $986,302
    From related orgs
    $0
    Other
    $417,462
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $437,655
    Bonus
    $504,981
    Other
    $43,666
    Deferred
    $408,377
    Nontaxable benefits
    $9,085
    Filer's total
    $1,403,764
  • James Adamczyk

    SR EVP-CRO

    Total calculated
    $1,205,654
    From this org
    $791,959
    From related orgs
    $0
    Other
    $413,695
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $278,415
    Bonus
    $431,781
    Other
    $81,763
    Deferred
    $394,569
    Nontaxable benefits
    $19,126
    Filer's total
    $1,205,654
  • Charles Lai

    CIO

    Total calculated
    $902,021
    From this org
    $812,722
    From related orgs
    $0
    Other
    $89,299
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $183,904
    Bonus
    $345,213
    Other
    $283,605
    Deferred
    $81,401
    Nontaxable benefits
    $7,898
    Filer's total
    $902,021
  • Mathy Hogan

    EXECUTIVE VP - ESERVICES

    Total calculated
    $612,290
    From this org
    $531,928
    From related orgs
    $0
    Other
    $80,362
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $177,466
    Bonus
    $326,394
    Other
    $28,068
    Deferred
    $65,985
    Nontaxable benefits
    $14,377
    Filer's total
    $612,290
  • Dianne Owen

    EXECUTIVE VP - MARKETING

    Total calculated
    $713,103
    From this org
    $504,343
    From related orgs
    $0
    Other
    $208,760
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $200,356
    Bonus
    $298,199
    Other
    $5,788
    Deferred
    $104,380
    Nontaxable benefits
    $104,380
    Filer's total
    $713,103
  • Lindsey Lewinter

    EXECUTIVE VP - HRM

    Total calculated
    $526,818
    From this org
    $395,714
    From related orgs
    $0
    Other
    $131,104
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $107,822
    Bonus
    $269,543
    Other
    $18,349
    Deferred
    $65,552
    Nontaxable benefits
    $65,552
    Filer's total
    $526,818
  • Bryan Meizinger

    EXECUTIVE VP - CHIEF CREDIT OFFICER

    Total calculated
    $575,045
    From this org
    $469,220
    From related orgs
    $0
    Other
    $105,825
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $123,321
    Bonus
    $305,577
    Other
    $40,322
    Deferred
    $91,170
    Nontaxable benefits
    $14,655
    Filer's total
    $575,045
  • Thomas Howell

    VP-FINANCIAL ADVISOR

    Total calculated
    $969,243
    From this org
    $932,521
    From related orgs
    $0
    Other
    $36,722
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $925,801
    Bonus
    $0
    Other
    $6,720
    Deferred
    $17,400
    Nontaxable benefits
    $19,322
    Filer's total
    $969,243
  • Thomas Baldwin III

    SENIOR VP-RETAIL BANKING & WEALTH MANAGEMENT

    Total calculated
    $396,528
    From this org
    $346,270
    From related orgs
    $0
    Other
    $50,258
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $78,823
    Bonus
    $258,043
    Other
    $9,404
    Deferred
    $31,999
    Nontaxable benefits
    $18,259
    Filer's total
    $396,528
  • Jorge M Font

    SENIOR VP-BUSINESS SERVICES

    Total calculated
    $468,770
    From this org
    $402,422
    From related orgs
    $0
    Other
    $66,348
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $98,165
    Bonus
    $281,884
    Other
    $22,373
    Deferred
    $53,397
    Nontaxable benefits
    $12,951
    Filer's total
    $468,770
  • Kimberly Wightman

    EVP-FINANCE

    Total calculated
    $438,725
    From this org
    $376,296
    From related orgs
    $0
    Other
    $62,429
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $86,016
    Bonus
    $268,579
    Other
    $21,701
    Deferred
    $50,513
    Nontaxable benefits
    $11,916
    Filer's total
    $438,725
  • James Thornberry

    SVP - MEMBER EXPERIENCE

    Total calculated
    $362,662
    From this org
    $329,028
    From related orgs
    $0
    Other
    $33,634
    Hours/week
    60

    Schedule J breakdown matched by us

    Base
    $91,301
    Bonus
    $232,197
    Other
    $5,530
    Deferred
    $14,194
    Nontaxable benefits
    $19,440
    Filer's total
    $362,662

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $272,314,802
    Expenses
    $216,671,085
    Contributions
    $0
    Grants paid
    $379,519
  • 2023
    Revenue
    $214,504,612
    Expenses
    $169,187,861
    Contributions
    $0
    Grants paid
    $328,653
  • 2022
    Revenue
    $172,388,805
    Expenses
    $136,129,682
    Contributions
    $0
    Grants paid
    $48,757

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $164,616,807
    Expenses
    $110,423,665
    Assets (EOY)
    $4,043,048,917
  • 2020 · 990

    Revenue
    $151,112,258
    Expenses
    $135,095,327
    Assets (EOY)
    $3,454,197,091
  • 2019 · 990

    Revenue
    $146,664,282
    Expenses
    $112,844,613
    Assets (EOY)
    $2,670,383,320
  • 2018 · 990

    Revenue
    $127,766,505
    Expenses
    $97,050,305
    Assets (EOY)
    $2,319,988,714
  • 2017 · 990

    Revenue
    $113,698,643
    Expenses
    $91,011,718
    Assets (EOY)
    $2,169,373,208
  • 2016 · 990

    Revenue
    $107,226,055
    Expenses
    $87,965,997
    Assets (EOY)
    $2,077,252,101
  • 2015 · 990

    Revenue
    $95,316,886
    Expenses
    $79,533,468
    Assets (EOY)
    $1,925,920,703
  • 2014 · 990

    Revenue
    $90,565,541
    Expenses
    $75,821,112
    Assets (EOY)
    $1,776,045,359
  • 2013 · 990

    Revenue
    $85,977,311
    Expenses
    $73,811,145
    Assets (EOY)
    $1,691,975,559
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $78,244,127
    Assets (EOY)
    $1,663,532,813

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

  • FAIRWINDS FINANCIAL SERVICES LLC

    INACTIVE - NO BUSINESS HAS BEEN PROCESSED · FL · income -$139 · assets $57,361

  • FAIRWINDS INSURANCE SERVICES LLC

    PROVIDING INSURANCE SERVICES · FL · income $38,563 · assets $548,661

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.