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STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 59-0642953 PALATKA, FL

Browse the largest nonprofits in Florida

Revenue 2025
$7,109,835
Expenses 2025
$6,177,830

As filed

Subsection
14
Classification
1000
Street
306 S PALM AVE

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

DELIVERING DREAMS THROUGH SIMPLIFIED FINANCIAL SERVICES.

  • INCOME FROM CREDIT UNION MEMBERSHIP AND FROM INVESTMENT OF MEMBERS' FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.

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.

  • James Norwood Jr

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Rudy Howard

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Candy Rigdon

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Cathy Merritt

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Linda Osborne

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Betty Poteet

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Matt Reynolds

    BOD MEMBER

    Total calculated
    $0
    Hours/week
    1
  • Gretchen Lunsford

    CEO

    Total calculated
    $692,215
    From this org
    $649,116
    From related orgs
    $0
    Other
    $43,099
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $235,716
    Bonus
    $24,682
    Other
    $388,718
    Deferred
    $0
    Nontaxable benefits
    $43,099
    Filer's total
    $692,215
  • Sandra Prevatt

    EVP

    Total calculated
    $630,112
    From this org
    $589,320
    From related orgs
    $0
    Other
    $40,792
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $188,067
    Bonus
    $27,329
    Other
    $373,924
    Deferred
    $0
    Nontaxable benefits
    $40,792
    Filer's total
    $630,112

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
    $7,109,835
    Expenses
    $6,177,830
    Contributions
    $0
    Grants paid
    $0
  • 2024
    Revenue
    $7,287,547
    Expenses
    $5,890,464
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $6,569,294
    Expenses
    $5,084,911
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $5,329,757
    Expenses
    $4,723,368
    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
    $4,814,892
    Expenses
    $4,395,551
    Assets (EOY)
    $146,891,829
  • 2020 · 990

    Revenue
    $5,204,690
    Expenses
    $4,327,171
    Assets (EOY)
    $129,298,124
  • 2019 · 990

    Revenue
    $5,582,382
    Expenses
    $4,403,464
    Assets (EOY)
    $109,294,719
  • 2018 · 990

    Revenue
    $5,310,005
    Expenses
    $5,433,118
    Assets (EOY)
    $108,174,526
  • 2017 · 990

    Revenue
    $5,012,133
    Expenses
    $4,626,614
    Assets (EOY)
    $115,014,330
  • 2016 · 990

    Revenue
    $4,657,849
    Expenses
    $4,412,055
    Assets (EOY)
    $110,295,145
  • 2015 · 990

    Revenue
    $4,617,472
    Expenses
    $4,149,100
    Assets (EOY)
    $108,713,389
  • 2014 · 990

    Revenue
    $4,660,527
    Expenses
    $4,342,767
    Assets (EOY)
    $102,970,359
  • 2013 · 990

    Revenue
    $4,989,438
    Expenses
    $4,768,005
    Assets (EOY)
    $99,103,851
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $4,522,871
    Assets (EOY)
    $99,327,783

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 2017

Tax period
1 January 2017 to 31 December 2017
Principal officer
William Bila
Mailing address
404 GRAND RONDO ECRESCENT CITY FL 32112
Website
Something was entered that is not a web address, so it is not shown.

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.

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.