- Revenue 2024
- $171,954,625
- Expenses 2024
- $165,067,965
As filed
- Subsection
- 14
- Classification
- 1000
- Street
- 637 N LEE ST
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
COMMUNITY FIRST CREDIT UNION OF FLORIDA'S MISSION IS TO PROVIDE THE HIGHEST IN QUALITY FINANCIAL SOLUTIONS FOR EVERY STAGE OF LIFE.
Activities or mission (Part I)
PROVIDING FINANCIAL SOLUTIONS FOR EVERY STAGE OF LIFE.
-
INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS' FUNDS PROVIDE THE BASIS FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.
-
THE CREDIT UNION OFFERS A VARIETY OF FINANCIAL PRODUCTS, INCLUDING MORTGAGE, AUTOMOBILE, CREDIT CARDS, AND PERSONAL SIGNATURE LOANS. $875,481,306 IN NEW LOANS WERE ORIGINATED DURING 2024 AND MORE THAN $2,031,787,750 IN LOAN BALANCES WERE SERVICED DURING 2024.
-
MEMBERS MAY CHOOSE FROM A NUMBER OF ACCOUNT TYPES INCLUDING REGULAR SHARES, CHECKING, MONEY MARKET, AND RETIREMENT ACCOUNTS. $2,398,307,214 IN DEPOSIT ACCOUNTS WERE MAINTAINED FOR 178,430 MEMBERS DURING 2024.
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.
-
Malinda PrudencioMALINDA PRUDENCIO
CHAIRMAN
- Total calculated
- $0
- Hours/week
- 1
-
Ted WillichTED WILLICH
VICE CHAIR
- Total calculated
- $0
- Hours/week
- 1
-
William PermenterWILLIAM PERMENTER
SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Bettie AdamsBETTIE ADAMS
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Norman Bruce DoucekNORMAN BRUCE DOUCEK
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
James FarahJAMES FARAH
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Eva Chantelle SchartEVA CHANTELLE SCHART
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Brenda Simmons-HutchinsBRENDA SIMMONS-HUTCHINS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Elvia WilliamsELVIA WILLIAMS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Sam InmanSAM INMAN
CEO/PRESIDENT
- Total calculated
- $1,139,824
- From this org
- $1,100,712
- From related orgs
- $0
- Other
- $39,112
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $977,950
- Bonus
- $69,588
- Other
- $53,174
- Deferred
- $2,116
- Nontaxable benefits
- $36,996
- Filer's total
- $1,139,824
-
John HirabayashiJOHN HIRABAYASHI
CEO/PRESIDENT
- Total calculated
- $1,989,289
- From this org
- $1,969,852
- From related orgs
- $0
- Other
- $19,437
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $1,376,447
- Bonus
- $170,866
- Other
- $422,539
- Deferred
- $11,200
- Nontaxable benefits
- $8,237
- Filer's total
- $1,989,289
-
Tim SimpsonTIM SIMPSON
CHIEF INFORMATION OFFICER
- Total calculated
- $348,909
- From this org
- $305,045
- From related orgs
- $0
- Other
- $43,864
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $264,589
- Bonus
- $35,466
- Other
- $4,990
- Deferred
- $11,200
- Nontaxable benefits
- $32,664
- Filer's total
- $348,909
-
Roger RassmanROGER RASSMAN
CHIEF MARKETING OFFICER
- Total calculated
- $307,629
- From this org
- $282,417
- From related orgs
- $0
- Other
- $25,212
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $241,486
- Bonus
- $30,986
- Other
- $9,945
- Deferred
- $10,225
- Nontaxable benefits
- $14,987
- Filer's total
- $307,629
-
Melissa ThomasMELISSA THOMAS
COO
- Total calculated
- $344,666
- From this org
- $306,969
- From related orgs
- $0
- Other
- $37,697
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $260,143
- Bonus
- $46,688
- Other
- $138
- Deferred
- $3,999
- Nontaxable benefits
- $33,698
- Filer's total
- $344,666
-
Lori SmithLORI SMITH
CHIEF HUMAN RESOURCES OFFI
- Total calculated
- $292,807
- From this org
- $279,937
- From related orgs
- $0
- Other
- $12,870
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $270,889
- Bonus
- $4,824
- Other
- $4,224
- Deferred
- $9,822
- Nontaxable benefits
- $3,048
- Filer's total
- $292,807
-
Jimmy LovelaceJIMMY LOVELACE
CHIEF MEMBER EXPERIENCE OF
- Total calculated
- $375,936
- From this org
- $350,263
- From related orgs
- $0
- Other
- $25,673
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $283,780
- Bonus
- $51,729
- Other
- $14,754
- Deferred
- $11,400
- Nontaxable benefits
- $14,273
- Filer's total
- $375,936
-
Zachary ToelleZACHARY TOELLE
FINANCIAL ADVISOR
- Total calculated
- $271,035
- From this org
- $260,614
- From related orgs
- $0
- Other
- $10,421
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $48,000
- Bonus
- $212,525
- Other
- $89
- Deferred
- $10,421
- Nontaxable benefits
- $0
- Filer's total
- $271,035
-
Ryan OlsonRYAN OLSON
CHIEF LENDING OFFICER (THRU 11/24)
- Total calculated
- $362,528
- From this org
- $317,289
- From related orgs
- $0
- Other
- $45,239
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $253,550
- Bonus
- $35,123
- Other
- $28,616
- Deferred
- $9,538
- Nontaxable benefits
- $35,701
- Filer's total
- $362,528
-
Mark FitzmorrisMARK FITZMORRIS
FINANCIAL ADVISOR
- Total calculated
- $571,886
- From this org
- $514,855
- From related orgs
- $0
- Other
- $57,031
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $48,336
- Bonus
- $466,349
- Other
- $170
- Deferred
- $11,200
- Nontaxable benefits
- $45,831
- Filer's total
- $571,886
-
Edwin ReynoldsEDWIN REYNOLDS
FINANCIAL ADVISOR
- Total calculated
- $246,596
- From this org
- $243,660
- From related orgs
- $0
- Other
- $2,936
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $46,801
- Bonus
- $196,064
- Other
- $795
- Deferred
- $0
- Nontaxable benefits
- $2,936
- Filer's total
- $246,596
-
Michael YoungMICHAEL YOUNG
FINANCIAL ADVISOR
- Total calculated
- $264,745
- From this org
- $228,271
- From related orgs
- $0
- Other
- $36,474
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $48,000
- Bonus
- $180,105
- Other
- $166
- Deferred
- $14,543
- Nontaxable benefits
- $21,931
- Filer's total
- $264,745
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
- $171,954,625
- Expenses
- $165,067,965
- Contributions
- $0
- Grants paid
- $40,000
-
2023
- Revenue
- $148,456,017
- Expenses
- $121,134,611
- Contributions
- $0
- Grants paid
- $25,000
-
2022
- Revenue
- $116,884,048
- Expenses
- $83,054,241
- Contributions
- $0
- Grants paid
- $25,000
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
- $94,716,587
- Expenses
- $66,259,311
- Assets (EOY)
- $2,430,634,345
-
2020 · 990
- Revenue
- $91,733,421
- Expenses
- $76,335,983
- Assets (EOY)
- $2,071,518,749
-
2019 · 990
- Revenue
- $89,946,257
- Expenses
- $73,891,039
- Assets (EOY)
- $1,751,936,634
-
2018 · 990
- Revenue
- $80,975,155
- Expenses
- $59,349,802
- Assets (EOY)
- $1,638,435,362
-
2017 · 990
- Revenue
- $72,461,512
- Expenses
- $60,962,010
- Assets (EOY)
- $1,512,171,380
-
2016 · 990
- Revenue
- $68,123,475
- Expenses
- $53,082,383
- Assets (EOY)
- $1,401,885,967
-
2015 · 990
- Revenue
- $65,772,483
- Expenses
- $48,383,707
- Assets (EOY)
- $1,322,645,627
-
2014 · 990
- Revenue
- $64,186,054
- Expenses
- $48,070,892
- Assets (EOY)
- $1,252,383,744
-
2013 · 990
- Revenue
- $64,518,446
- Expenses
- $48,376,664
- Assets (EOY)
- $1,221,185,563
-
2012 · 990
- Revenue
- not reported
- Expenses
- $52,065,337
- Assets (EOY)
- $1,193,202,133
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
-
COMMUNITY FIRST CARES FOUNDATION
$40,000
2024 TO PROVIDE FINANCIAL SUPPORT TO THE FOUNDATION TO FULFILL ITS EXEMPT PURPOSE TO PROMOTE AND PROVIDE CHARITABLE GIVING AND COMMUNITY INVESTMENT IN THE AREAS SERVED BY THE CREDIT UNION.
-
COMMUNITY FIRST CARES FOUNDATION
$25,000
2023 TO PROVIDE FINANCIAL SUPPORT TO THE FOUNDATION TO FULFILL ITS EXEMPT PURPOSE TO PROMOTE AND PROVIDE CHARITABLE GIVING AND COMMUNITY INVESTMENT IN THE AREAS SERVED BY THE CREDIT UNION.
-
COMMUNITY FIRST CARES FOUNDATION
$25,000
2022 TO PROVIDE FINANCIAL SUPPORT TO THE FOUNDATION TO FULFILL ITS EXEMPT PURPOSE TO PROMOTE AND PROVIDE CHARITABLE GIVING AND COMMUNITY INVESTMENT IN THE AREAS SERVED BY THE CREDIT UNION.
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
-
COMMUNITY FIRST CARES FOUNDATION
501(C)(3) · IMPROVE THE QUALITY OF LIFE IN NORTHEAST FLORIDA. · 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.
Related corporations and trusts on its 2024 return
-
EDCO FINANCIAL SERVICES INC
C · FINANCIAL SERVICES - INACTIVE · FL · 100% owned · share of assets $1,000 · 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 2024, the newest we have parsed for this organization.