Skip to content
Nonprofiteer
← All organizations

STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN 59-0777511 PENSACOLA, FL

Browse the largest nonprofits in Florida

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 Schipman

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Bill Farinas

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Theresa McCants

    CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Linda Harris

    VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1
  • Clarence Ladner

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Kathy Terrell

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Jack Marmash

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Caryl 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 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 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 Crutchfield

    CHIEF INFORMATION OFFICER

    Total calculated
    $139,513
    From this org
    $115,136
    From related orgs
    $0
    Other
    $24,377
    Hours/week
    40
  • Adetoun 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 Miller

    CHIEF OPERATING OFFICER

    Total calculated
    $131,994
    From this org
    $120,261
    From related orgs
    $0
    Other
    $11,733
    Hours/week
    40
  • Christina Reynolds

    VP HUMAN RESOURCES

    Total calculated
    $89,715
    From this org
    $85,029
    From related orgs
    $0
    Other
    $4,686
    Hours/week
    40
  • Joanne 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.