- 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 DentonCAROL DENTON
BOARD MEMBER
- Total calculated
- $12,161
- From this org
- $12,161
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
John MahonyJOHN MAHONY
VICE CHAIRPERSON
- Total calculated
- $57,709
- From this org
- $57,709
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Elizabeth KrahmerELIZABETH KRAHMER
CHAIRPERSON
- Total calculated
- $39,023
- From this org
- $39,023
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Mack PerryMACK PERRY
BOARD MEMBER
- Total calculated
- $14,913
- From this org
- $14,913
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Richard LeighRICHARD LEIGH
SECRETARY
- Total calculated
- $19,388
- From this org
- $19,388
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Lisa SneadLISA SNEAD
BOARD MEMBER
- Total calculated
- $19,219
- From this org
- $19,219
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Jason AlbuJASON ALBU
TREASURER
- Total calculated
- $45,174
- From this org
- $45,174
- From related orgs
- $0
- Other
- $0
- Hours/week
- 0.5
-
Larry TobinLARRY 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 ChonodyKATHY 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 TischerPHILLIP 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 AdamczykJAMES 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 LaiCHARLES 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 HoganMATHY 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 OwenDIANNE 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 LewinterLINDSEY 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 MeizingerBRYAN 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 HowellTHOMAS 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 IIITHOMAS 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 FontJORGE 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 WightmanKIMBERLY 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 ThornberryJAMES 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
-
$379,519
2024 TO PROMOTE FINANCIAL LITERACY AND EDUCATION
-
$328,653
2023 TO PROMOTE FINANCIAL LITERACY AND EDUCATION
-
$48,757
2022 TO PROMOTE FINANCIAL LITERACY AND EDUCATION
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
-
501(C)(3) · CHARITABLE AND EDUCATIONAL PURPOSES · FL · controlled entity
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.