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STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 59-0709646 PEMBROKE PNES, FL

Browse the largest nonprofits in Florida

Revenue 2024
$49,820,888
Expenses 2024
$52,749,535

As filed

Subsection
14
Classification
1000
Street
9560 PINES BLVD

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

THE CREDIT UNION'S MISSION IS TO PROMOTE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT FOR THEM AT REASONABLE RATES OF INTEREST. THE CREDIT UNION SERVES MEMBERS IN 46 COUNTIES IN FLORIDA. THE TOTAL NUMBER OF MEMBERS IS IIN EXCESS OF 44,200.

Activities or mission (Part I)

THE CREDIT UNION IS A COOPERATIVE, NON-PROFIT ASSOCIATION, ORGANIZED UNDER THE LAWS OF THE STATE OF FLORIDA, FOR THE PURPOSE OF ENCOURAGING THRIFT AMONG ITS MEMBERS, CREATING SOURCES OF CREDIT AND CREDIT RELATED PRODUCTS AT FAIR AND REASONABLE RATES AND PROVIDING OTHER OPPORTUNITIES FOR MEMBERS TO USE AND CONTROL THEIR RESOURCES ON A DEMOCRATIC BASIS.

  • THE CREDIT UNION PROVIDES ITS MEMBERS WITH A SELECTION OF INSURED DEPOSIT PRODUCTS THAT ENCOURAGE THRIFT. THE PRODUCTS ARE DESIGNED FOR BOTH SMALL AND MEDIUM SAVERS.

  • THE CREDIT UNION PROVIDES LOW COST LOANS THAT HELP MEMBERS IMPROVE THEIR LIVES. THE PRODUCTS INCLUDE SMALL UNSECURED LOANS UP TO MORTGAGE LOANS.

  • THE CREDIT UNION PROVIDES MEMBERS ACCESS TO BOTH MANUAL CHECK AND CASH TRANSACTION SERVICES ALONG WITH ELECTRONIC TYPE SERVICES, SUCH AS FUNDS TRANSFERS, ACH, DEBIT, ATM, ETC.

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.

  • Mary Ann Larock

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1

  • Ingrid Fils

    VICE-CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1

  • Henry Prior

    TREASURER/SECRETARY

    Total calculated
    $0
    Hours/week
    1

  • Mack Macvicar

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Judy James

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Beatriz Dale

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Ed Verret

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • Rachel Schaming

    CHIEF OF HUMAN RESOURCES

    Total calculated
    $255,183
    From this org
    $236,500
    From related orgs
    $0
    Other
    $18,683
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $236,500
    Bonus
    $0
    Other
    $0
    Deferred
    $9,460
    Nontaxable benefits
    $9,223
    Filer's total
    $255,183

  • William Spearman

    PRESIDENT & CEO

    Total calculated
    $378,399
    From this org
    $338,569
    From related orgs
    $0
    Other
    $39,830
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $332,523
    Bonus
    $0
    Other
    $6,046
    Deferred
    $7,154
    Nontaxable benefits
    $32,676
    Filer's total
    $378,399

  • Dan Clemens

    CHIEF OPERATIONS OFFICER

    Total calculated
    $283,528
    From this org
    $274,662
    From related orgs
    $0
    Other
    $8,866
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $274,662
    Bonus
    $0
    Other
    $0
    Deferred
    $6,905
    Nontaxable benefits
    $1,961
    Filer's total
    $283,528

  • Jack Kenney

    CHIEF FINANCIAL OFFICER

    Total calculated
    $260,105
    From this org
    $238,050
    From related orgs
    $0
    Other
    $22,055
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $232,477
    Bonus
    $0
    Other
    $5,573
    Deferred
    $9,522
    Nontaxable benefits
    $12,533
    Filer's total
    $260,105

  • Jerome Ryan

    VP OF IT & SECURITY

    Total calculated
    $233,308
    From this org
    $215,002
    From related orgs
    $0
    Other
    $18,306
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $215,002
    Bonus
    $0
    Other
    $0
    Deferred
    $6,285
    Nontaxable benefits
    $12,021
    Filer's total
    $233,308

  • Aaron Gutfreund

    VP MARKETING

    Total calculated
    $260,219
    From this org
    $223,750
    From related orgs
    $0
    Other
    $36,469
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $223,750
    Bonus
    $0
    Other
    $0
    Deferred
    $7,219
    Nontaxable benefits
    $29,250
    Filer's total
    $260,219

  • Daniel Bass

    VP LENDING

    Total calculated
    $217,744
    From this org
    $193,370
    From related orgs
    $0
    Other
    $24,374
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $192,920
    Bonus
    $450
    Other
    $0
    Deferred
    $7,250
    Nontaxable benefits
    $17,124
    Filer's total
    $217,744

  • Jared Wright

    AVP MEMBER SOLUTIONS

    Total calculated
    $201,311
    From this org
    $184,105
    From related orgs
    $0
    Other
    $17,206
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $184,105
    Bonus
    $0
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $17,206
    Filer's total
    $201,311

  • Thomas Smith

    VP ACCOUNTING & CONTROLLER

    Total calculated
    $202,797
    From this org
    $183,750
    From related orgs
    $0
    Other
    $19,047
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $183,750
    Bonus
    $0
    Other
    $0
    Deferred
    $6,219
    Nontaxable benefits
    $12,828
    Filer's total
    $202,797

  • Robert Ramirez

    FORMER CEO & PRESIDENT

    Total calculated
    $812,552
    From this org
    $785,539
    From related orgs
    $0
    Other
    $27,013
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $250,000
    Bonus
    $0
    Other
    $535,539
    Deferred
    $10,000
    Nontaxable benefits
    $17,013
    Filer's total
    $812,552

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
    $49,820,888
    Expenses
    $52,749,535
    Contributions
    $0
    Grants paid
    $10,509
  • 2023
    Revenue
    $44,325,216
    Expenses
    $44,310,893
    Contributions
    $0
    Grants paid
    $28,386
  • 2022
    Revenue
    $42,283,714
    Expenses
    $34,944,125
    Contributions
    $0
    Grants paid
    $44,954

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
    $29,660,051
    Expenses
    $26,262,561
    Assets (EOY)
    $649,187,834

  • 2020 · 990

    Revenue
    $28,708,267
    Expenses
    $27,037,225
    Assets (EOY)
    $591,317,781

  • 2019 · 990

    Revenue
    $32,818,934
    Expenses
    $30,262,506
    Assets (EOY)
    $512,721,026

  • 2018 · 990

    Revenue
    $31,791,693
    Expenses
    $35,103,818
    Assets (EOY)
    $507,670,479

  • 2017 · 990

    Revenue
    $31,970,832
    Expenses
    $30,704,749
    Assets (EOY)
    $520,718,635

  • 2016 · 990

    Revenue
    $31,413,430
    Expenses
    $33,517,453
    Assets (EOY)
    $525,499,780

  • 2015 · 990

    Revenue
    $29,639,446
    Expenses
    $28,721,053
    Assets (EOY)
    $515,966,171

  • 2014 · 990

    Revenue
    $26,539,734
    Expenses
    $25,636,003
    Assets (EOY)
    $411,786,681

  • 2013 · 990

    Revenue
    $25,701,563
    Expenses
    $20,452,280
    Assets (EOY)
    $389,954,598

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $20,995,479
    Assets (EOY)
    $341,134,059

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

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.