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STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 59-0626648 WINTER SPGS, FL

Browse the largest nonprofits in Florida

Revenue 2025
$33,176,746
Expenses 2025
$33,837,460

Program services were 100.0% of total expenses calculated — Part IX's program-services column over total expenses, both as filed.

As filed

Subsection
14
Classification
1000
Street
270 WINDING HOLLOW 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 · 2025

Mission

INSIGHT FINANCIAL CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBER; AT ADVANTAGEOUS RATES OVER THOSE GENERALLY AVAILABLE FROM OTHER BANKING SOURCES.

  • INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS.

  • FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES.

  • EARNINGS FROM THE INVESTMENTS. THE EXCESS OF FUNDS RECEIVED FROM MEMBERS, OVER THE AMOUNT LOANED TO MEMBERS, AS WELL AS ACCUMULATED SURPLUSES IS INVESTED IN SECURITIES ALLOWED BY THE NCUA, AND THE CREDIT UNION'S GOVERNING DOCUMENTS.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

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.

  • George Davis

    CEO

    Total calculated
    $490,878
    From this org
    $441,896
    From related orgs
    $0
    Other
    $48,982
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $441,896
    Bonus
    not reported
    Other
    not reported
    Deferred
    $48,982
    Nontaxable benefits
    not reported
    Filer's total
    $490,878
  • Carlene L Mullin

    CFO

    Total calculated
    $251,430
    From this org
    $213,231
    From related orgs
    $0
    Other
    $38,199
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $213,231
    Bonus
    not reported
    Other
    not reported
    Deferred
    $38,199
    Nontaxable benefits
    not reported
    Filer's total
    $251,430
  • Jesse Dean

    CRO

    Total calculated
    $216,198
    From this org
    $188,864
    From related orgs
    $0
    Other
    $27,334
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $188,864
    Bonus
    not reported
    Other
    not reported
    Deferred
    $27,334
    Nontaxable benefits
    not reported
    Filer's total
    $216,198
  • Jodi Petrala

    CLO

    Total calculated
    $208,204
    From this org
    $179,743
    From related orgs
    $0
    Other
    $28,461
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $179,743
    Bonus
    not reported
    Other
    not reported
    Deferred
    $28,461
    Nontaxable benefits
    not reported
    Filer's total
    $208,204
  • Cynthia Jones

    CIO

    Total calculated
    $207,010
    From this org
    $172,604
    From related orgs
    $0
    Other
    $34,406
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $172,604
    Bonus
    not reported
    Other
    not reported
    Deferred
    $34,406
    Nontaxable benefits
    not reported
    Filer's total
    $207,010
  • Deborah Foley

    CHIEF RETAIL

    Total calculated
    $190,127
    From this org
    $170,311
    From related orgs
    $0
    Other
    $19,816
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $170,311
    Bonus
    not reported
    Other
    not reported
    Deferred
    $19,816
    Nontaxable benefits
    not reported
    Filer's total
    $190,127
  • Jonathan Peterson

    AVP OF IT AD

    Total calculated
    $169,002
    From this org
    $147,998
    From related orgs
    $0
    Other
    $21,004
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $147,998
    Bonus
    not reported
    Other
    not reported
    Deferred
    $21,004
    Nontaxable benefits
    not reported
    Filer's total
    $169,002
  • Robert Burke

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Deborah Collins

    TREASURER

    Total calculated
    $0
    Hours/week
    5
  • Stephen Hoeltke

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Karen Johnson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5
  • Linda Short

    SECRETARY

    Total calculated
    $0
    Hours/week
    5
  • Daniel Tatro

    VICE CHAIRMA

    Total calculated
    $0
    Hours/week
    5
  • Mark Zickefoose

    1ST CHAIRMAN

    Total calculated
    $0
    Hours/week
    5

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
    $33,176,746
    Expenses
    $33,837,460
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $36,815,869
    Expenses
    $33,025,125
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $31,327,804
    Expenses
    $28,712,884
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $24,146,976
    Expenses
    $20,369,837
    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
    $22,918,572
    Expenses
    $20,852,595
    Assets (EOY)
    $694,415,445
  • 2020 · 990

    Revenue
    $25,976,857
    Expenses
    $23,698,386
    Assets (EOY)
    $623,371,735
  • 2019 · 990

    Revenue
    $27,530,703
    Expenses
    $24,750,028
    Assets (EOY)
    $553,070,987
  • 2018 · 990

    Revenue
    $27,874,314
    Expenses
    $27,739,674
    Assets (EOY)
    $551,216,747
  • 2017 · 990

    Revenue
    $27,839,144
    Expenses
    $27,119,570
    Assets (EOY)
    $562,818,449
  • 2016 · 990

    Revenue
    $27,179,472
    Expenses
    $28,696,664
    Assets (EOY)
    $562,292,468
  • 2015 · 990

    Revenue
    $27,467,779
    Expenses
    $29,955,150
    Assets (EOY)
    $554,768,324
  • 2015 · 990

    Revenue
    $27,467,779
    Expenses
    $29,955,150
    Assets (EOY)
    $554,768,324
  • 2014 · 990

    Revenue
    $27,253,516
    Expenses
    $23,852,127
    Assets (EOY)
    $504,908,663
  • 2014 · 990

    Revenue
    $25,543,821
    Expenses
    $12,527,000
    Assets (EOY)
    $467,917,874

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.

Form 990-N e-Postcard, tax year 2012

Tax period
1 January 2012 to 31 December 2012
Principal officer
Joann Esposito
Mailing address
PO BOX 490048 MSLEESBURG FL 34749
Doing business as
OTTO WETTSTEIN JR CLUB

As filed, from the IRS e-Postcard file of 2 November 2026. The IRS publishes only each organization's most recent postcard, so earlier years are not shown. A 990-N carries no financial detail. The postcard also gives the principal officer's address, which is not shown here.

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.

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.

Related corporations and trusts on its 2025 return

  • INSIGHT INSURANCE SERVICES CORP

    C CORP · INSURANCE · 100% owned · share of income $17,413 · share of assets $15,296 · controlled entity

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 2025, the newest we have parsed for this organization.