- Revenue 2024
- $17,643,366
- Expenses 2024
- $13,731,809
As filed
- Subsection
- 14
- NTEE code
- W61
- Classification
- 1000
- Street
- PO BOX 12983
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 LEGITIMATE RATES OF INTEREST. THE CREDIT UNION SERVES MEMBERS IN ESCAMBIA, SANTA ROSA, AND OKALOOSA COUNTIES IN FLORIDA. THE TOTAL NUMBER OF MEMBERS IS IN EXCESS OF 19,000.
Activities or mission (Part I)
TO PROVIDE FINANCIAL SERVICES TO OUR MEMBERS.
-
IN OUR EFFORTS TO PROMOTE THRIFT AMONG OUR MEMBERS, THE CREDIT UNION PROVIDES COMPETITIVE SAVINGS PRODUCTS, WHICH INCLUDE SAVINGS, CHECKING, CERTIFICATE OF DEPOSIT ACCOUNTS AS WELL AS IRA SAVINGS AND CERTIFICATE OF DEPOSIT ACCOUNTS.
-
TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS, THE CREDIT UNION PROVIDES A SOURCE OF CREDIT BY OFFERING A VARIETY OF CONSUMER AND MORTGAGE LENDING PRODUCTS AT REASONABLE RATES OF INTEREST.
As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.
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.
-
Charlotte SchipmanCHARLOTTE SCHIPMAN
SECRETARY
- Total calculated
- $0
- Hours/week
- 1
-
Bill FarinasBILL FARINAS
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Theresa McCantsTHERESA MCCANTS
CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Linda HarrisLINDA HARRIS
VICE CHAIRPERSON
- Total calculated
- $0
- Hours/week
- 1
-
Clarence LadnerCLARENCE LADNER
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Kathy TerrellKATHY TERRELL
DIRECTOR
- Total calculated
- $0
- Hours/week
- 1
-
Jack MarmashJACK MARMASH
TREASURER
- Total calculated
- $0
- Hours/week
- 1
-
Caryl A GreeneCARYL A GREENE
PRESIDENT/CEO UNTIL 03/24
- Total calculated
- $159,048
- From this org
- $152,814
- From related orgs
- $0
- Other
- $6,234
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $80,160
- Bonus
- $13,627
- Other
- $59,027
- Deferred
- $4,190
- Nontaxable benefits
- $2,044
- Filer's total
- $159,048
-
Michele WilliamsMICHELE WILLIAMS
PRESIDENT/CEO
- Total calculated
- $480,931
- From this org
- $286,656
- From related orgs
- $0
- Other
- $194,275
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $257,843
- Bonus
- $244
- Other
- $28,569
- Deferred
- $184,496
- Nontaxable benefits
- $9,779
- Filer's total
- $480,931
-
Tom PainterTOM PAINTER
CHIEF FINANCIAL OFFICER
- Total calculated
- $185,796
- From this org
- $132,862
- From related orgs
- $0
- Other
- $52,934
- Hours/week
- 40
Schedule J breakdown matched by us
- Base
- $131,052
- Bonus
- $244
- Other
- $1,566
- Deferred
- $28,972
- Nontaxable benefits
- $23,962
- Filer's total
- $185,796
-
Jeff CrutchfieldJEFF CRUTCHFIELD
CHIEF INFORMATION OFFICER
- Total calculated
- $139,513
- From this org
- $115,136
- From related orgs
- $0
- Other
- $24,377
- Hours/week
- 40
-
Adetoun SandersADETOUN SANDERS
VP MARKETING & BUS. DEV.
- Total calculated
- $105,452
- From this org
- $95,991
- From related orgs
- $0
- Other
- $9,461
- Hours/week
- 40
-
Tammy MillerTAMMY MILLER
CHIEF OPERATING OFFICER
- Total calculated
- $131,994
- From this org
- $120,261
- From related orgs
- $0
- Other
- $11,733
- Hours/week
- 40
-
Christina ReynoldsCHRISTINA REYNOLDS
VP HUMAN RESOURCES
- Total calculated
- $89,715
- From this org
- $85,029
- From related orgs
- $0
- Other
- $4,686
- Hours/week
- 40
-
Joanne HyattJOANNE HYATT
CHIEF LENDING OFFICER
- Total calculated
- $141,844
- From this org
- $127,725
- From related orgs
- $0
- Other
- $14,119
- Hours/week
- 40
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
- $17,643,366
- Expenses
- $13,731,809
- Contributions
- $0
- Grants paid
- $0
-
2023
- Revenue
- $16,172,130
- Expenses
- $12,038,172
- Contributions
- $0
- Grants paid
- $0
-
2022
- Revenue
- $12,812,864
- Expenses
- $10,822,150
- 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
- $12,861,025
- Expenses
- $10,252,768
- Assets (EOY)
- $298,562,888
-
2020 · 990
- Revenue
- $9,965,656
- Expenses
- $9,436,929
- Assets (EOY)
- $239,539,933
-
2019 · 990
- Revenue
- $10,723,125
- Expenses
- $9,408,402
- Assets (EOY)
- $200,992,118
-
2018 · 990
- Revenue
- $10,262,452
- Expenses
- $8,628,000
- Assets (EOY)
- $193,234,615
-
2017 · 990
- Revenue
- $9,026,774
- Expenses
- $8,433,326
- Assets (EOY)
- $186,195,572
-
2016 · 990
- Revenue
- $8,667,947
- Expenses
- $8,221,282
- Assets (EOY)
- $179,100,815
-
2015 · 990
- Revenue
- $8,174,894
- Expenses
- $7,883,245
- Assets (EOY)
- $172,116,406
-
2014 · 990
- Revenue
- $8,162,570
- Expenses
- $7,574,765
- Assets (EOY)
- $161,155,356
-
2013 · 990
- Revenue
- $8,548,146
- Expenses
- $7,779,103
- Assets (EOY)
- $158,673,776
-
2012 · 990
- Revenue
- not reported
- Expenses
- $7,743,329
- Assets (EOY)
- $149,937,146
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 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.