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STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 59-0968187 CHIPLEY, FL

Revenue 2025
$16,877,852
Expenses 2025
$14,963,113

Program services were 0.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
1044 HIGHWAY 90

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 · 2025

Mission

Community South is committed to building better communities by creating lifelong relationships and inspiring the financial success our of our members.

Activities or mission (Part I)

STATE CHARTERED CREDIT UNION OFFERING SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT AND LOANS TO ITS MEMBERSHIP

  • THE CREDIT UNION OFFERS SHARE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS. THE CREDIT UNION ALSO PROVIDES DEBIT CARDS, HOME AND MOBILE BANKING, BILL PAYER AND REMOTE DEPOSIT SERVICES TO OUR MEMBERS.

    Expenses $14,963,113 · Revenue $16,877,853

  • THE CREDIT UNION OFFERS CONSUMER, REAL ESTATE AND BUSINESS LOANS TO OUR MEMBERS. IT ALSO OFFERS SECURED AND UNSECURED CREDIT CARDS.

    Expenses $2,597,905 · Revenue $11,784,091

  • THE CREDIT UNION MAINTAINS FIVE OFFICES WITH 57 EMPLOYEES TO SERVE OUR MEMBERS.

    Expenses $4,633,833 · Revenue $1,914,740

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • Jan L Page

    PRESIDENT-CEO

    Total calculated
    $314,471
    From this org
    $314,471
    From related orgs
    $0
    Other
    $0
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $241,500
    Bonus
    $27,600
    Other
    $39,330
    Deferred
    $0
    Nontaxable benefits
    $6,500
    Filer's total
    $314,930
  • Wayland Fulford

    SENIOR VICE PRESIDENT, CLO

    Total calculated
    $216,448
    From this org
    $216,448
    From related orgs
    $0
    Other
    $0
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $168,173
    Bonus
    $27,597
    Other
    $1,348
    Deferred
    $0
    Nontaxable benefits
    $1,558
    Filer's total
    $198,676
  • Nina Adams

    SENIOR VICE-PRESIDENT, CFO

    Total calculated
    $198,049
    From this org
    $198,049
    From related orgs
    $0
    Other
    $0
    Hours/week
    50

    Schedule J breakdown matched by us

    Base
    $121,500
    Bonus
    $20,286
    Other
    $2,429
    Deferred
    $0
    Nontaxable benefits
    $138
    Filer's total
    $144,353
  • Rebecca Spencer

    SENIOR VICE PRESIDENT OF BRANCH OPERATIONS

    Total calculated
    $143,893
    From this org
    $143,893
    From related orgs
    $0
    Other
    $0
    Hours/week
    40
  • Tracy Newsom

    VP OF OPERATIONS

    Total calculated
    $123,697
    From this org
    $123,697
    From related orgs
    $0
    Other
    $0
    Hours/week
    50
  • Summer Forehand

    AVP, MORTGAGE

    Total calculated
    $106,682
    From this org
    $106,682
    From related orgs
    $0
    Other
    $0
    Hours/week
    40
  • Ira J Carter

    BOARD CHAIRMAN

    Total calculated
    $0
    Hours/week
    0
  • Thomas Cook

    BOARD VICE-CHAIR

    Total calculated
    $0
    Hours/week
    0
  • Jerry Campbell

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0
  • Steve Whittington

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0
  • Derek Chadwell

    BOARD SECRETARY/TREASURER

    Total calculated
    $0
    Hours/week
    0
  • Howard Hodge III

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    0

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

  • 2025
    Revenue
    $16,877,852
    Expenses
    $14,963,113
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $15,593,971
    Expenses
    $14,133,784
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $13,820,741
    Expenses
    $12,010,181
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $10,944,013
    Expenses
    $7,786,574
    Contributions
    $0
    Grants paid
    $0

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
    $10,136,574
    Expenses
    $8,009,845
    Assets (EOY)
    $187,544,118
  • 2020 · 990

    Revenue
    $9,540,463
    Expenses
    $7,706,703
    Assets (EOY)
    $161,931,375
  • 2019 · 990

    Revenue
    $9,567,926
    Expenses
    $7,924,334
    Assets (EOY)
    $135,071,126
  • 2018 · 990

    Revenue
    $9,038,857
    Expenses
    $7,150,134
    Assets (EOY)
    $128,994,985
  • 2017 · 990

    Revenue
    $9,558,280
    Expenses
    $8,882,472
    Assets (EOY)
    $114,384,664
  • 2016 · 990

    Revenue
    $9,235,671
    Expenses
    $8,272,310
    Assets (EOY)
    $110,840,622
  • 2015 · 990

    Revenue
    $8,232,757
    Expenses
    $6,790,338
    Assets (EOY)
    $108,970,397
  • 2014 · 990

    Revenue
    $6,904,586
    Expenses
    $5,767,438
    Assets (EOY)
    $98,833,550
  • 2013 · 990

    Revenue
    $6,014,667
    Expenses
    $5,594,202
    Assets (EOY)
    $94,704,970
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $5,357,647
    Assets (EOY)
    $92,019,806

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

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

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.

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 13 October 2026 and read 29 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.