Nonprofit · EIN 11-1644012
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as FAIRWINDS CREDIT UNION
Tax-exempt · ORLANDO, FL 32826
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $272,314,802 | $216,671,085 | $55,643,717 | $4,725,516,705 | $4,364,296,245 | $361,220,460 |
| December 31, 2023 | 990 | $214,504,612 | $169,187,861 | $45,316,751 | $4,424,198,635 | $4,126,222,940 | $297,975,695 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $220,947,169
- Investment income
- $46,702,695
- Net gain from sales of assets
- $10,731,030
- Other revenue
- $4,664,938
Expenses
- Grants and similar amounts paid
- $379,519
- Compensation of officers, directors and key employees
- $14,247,897
- Other salaries and wages
- $38,252,863
- Salaries, compensation and benefits (total)
- $72,281,218
- Professional fundraising fees
- $0
- Legal fees
- $318,593
- Accounting fees
- $277,195
- Occupancy
- $3,818,616
- Travel
- $1,064,604
- Depreciation
- $2,865,024
Balance sheet and other
- Total assets, start of year
- $4,424,198,635
- Total assets, end of year
- $4,725,516,705
- Total liabilities, end of year
- $4,364,296,245
- Net assets, end of year
- $361,220,460
- Land, buildings and equipment
- $96,460,658
- Publicly traded securities
- $1,011,858,176
- Gross unrelated business income
- $4,664,938
- Gross receipts
- $273,583,772
- Employees
- 723
- Volunteers
- 10
- Year formed
- 1949
- State of legal domicile
- FL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LARRY TOBIN | CEO/PRESIDENT Officer | 60 | $4,871,981 | $4,111,312 |
| PHILLIP TISCHER | SR EVP-COO Officer | 60 | $986,302 | $417,462 |
| KATHY CHONODY | SR EVP-CFO Officer | 60 | $1,269,396 | $98,926 |
| JAMES ADAMCZYK | SR EVP-CRO Key employee | 60 | $791,959 | $413,695 |
| THOMAS HOWELL | VP-FINANCIAL ADVISOR Highest-paid employee | 60 | $932,521 | $36,722 |
| CHARLES LAI | CIO Key employee | 60 | $812,722 | $89,299 |
| DIANNE OWEN | EXECUTIVE VP - MARKETING Key employee | 60 | $504,343 | $208,760 |
| MATHY HOGAN | EXECUTIVE VP - ESERVICES Key employee | 60 | $531,928 | $80,362 |
| BRYAN MEIZINGER | EXECUTIVE VP - CHIEF CREDIT OFFICER Key employee | 60 | $469,220 | $105,825 |
| LINDSEY LEWINTER | EXECUTIVE VP - HRM Key employee | 60 | $395,714 | $131,104 |
| JORGE M FONT | SENIOR VP-BUSINESS SERVICES Highest-paid employee | 60 | $402,422 | $66,348 |
| KIMBERLY WIGHTMAN | EVP-FINANCE Highest-paid employee | 60 | $376,296 | $62,429 |
| THOMAS BALDWIN III | SENIOR VP-RETAIL BANKING & WEALTH MANAGEMENT Highest-paid employee | 60 | $346,270 | $50,258 |
| JAMES THORNBERRY | SVP - MEMBER EXPERIENCE Highest-paid employee | 60 | $329,028 | $33,634 |
| JOHN MAHONY | VICE CHAIRPERSON Trustee or director | 0.5 | $57,709 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JASON ALBU | TREASURER Trustee or director | 0.5 | $45,174 |
| ELIZABETH KRAHMER | CHAIRPERSON Trustee or director | 0.5 | $39,023 |
| RICHARD LEIGH | SECRETARY Trustee or director | 0.5 | $19,388 |
| LISA SNEAD | BOARD MEMBER Trustee or director | 0.5 | $19,219 |
| MACK PERRY | BOARD MEMBER Trustee or director | 0.5 | $14,913 |
| CAROL DENTON | BOARD MEMBER Trustee or director | 0.5 | $12,161 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KATHY CHONODY | SR EVP-CFO Officer | 60 | $5,799,938 | $528,951 |
| LARRY TOBIN | CEO/PRESIDENT Officer | 60 | $4,142,737 | $1,113,978 |
| PHILLIP TISCHER | SR EVP-COO Officer | 60 | $1,030,000 | $576,250 |
| JAMES ADAMCZYK | SR EVP-CSO Key employee | 60 | $678,529 | $420,115 |
| THOMAS HOWELL | VP-FINANCIAL ADVISOR Highest-paid employee | 60 | $844,469 | $40,200 |
| CHARLES LAI | EXEC VP-CIO Key employee | 60 | $515,892 | $120,854 |
| MATHY HOGAN | EXEC VP-PAYMENTS & DIGITAL BANKING Key employee | 60 | $522,336 | $71,247 |
| DIANNE OWEN | EXEC VP-SALES & MARKETING Key employee | 60 | $478,757 | $96,861 |
| CATHY HERTZ | EXEC VP-HUMAN RESOURCES Key employee | 60 | $522,529 | $48,130 |
| KIMBERLY WIGHTMAN | SVP-FINANCE/CONTROLLER Highest-paid employee | 60 | $494,999 | $28,888 |
| JORGE M FONT | SVP-BUSINESS SERVICES Highest-paid employee | 60 | $374,142 | $68,980 |
| BRYAN MEIZINGER | SVP-LENDING Highest-paid employee | 60 | $368,930 | $36,860 |
| THOMAS BALDWIN III | SVP-RETAIL BANKING & WEALTH MANAGEMENT Highest-paid employee | 60 | $340,162 | $55,277 |
| CAROL DENTON | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| JOHN MAHONY | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| ELIZABETH KRAHMER | VICE CHAIRPERSON Trustee or director | 0.5 | $0 | $0 |
| MACK PERRY | BOARD MEMBER Trustee or director | 0.5 | $0 | $0 |
| RICHARD LEIGH | SECRETARY Trustee or director | 0.5 | $0 | $0 |
| LISA SNEAD | CHAIRPERSON Trustee or director | 0.5 | $0 | $0 |
| JASON ALBU | TREASURER Trustee or director | 0.5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3075 N ALFALYA TRL, ORLANDO, FL 32826-0000
- In care of
- % JESSICA TRUE
- Principal officer (990 for 2024)
- LARRY F TOBIN, 135 W CENTRAL BLVD, ORLANDO, FL 32801
- Signed the 990
- KIMBERLY B WIGHTMAN, CFO
- Phone
- (407) 277-6030
- Website
- WWW.FAIRWINDS.ORG
- Return prepared by
- DOEREN MAYHEW
Mission
CHANGING MEMBERS' LIVES ON THE JOURNEY TO FINANCIAL FREEDOM
Program accomplishments
- THE CREDIT UNION NATIONAL ASSOCIATION HAS DETERMINED THAT FAIRWINDS PROVIDED $14,665,075 IN DIRECT FINANCIAL BENEFITS TO ITS 230,706 MEMBERS DURING THE TWELVE MONTHS ENDED DECEMBER 2024. THESE BENEFITS ARE EQUIVALENT TO APPROXIMATELY $133 PER MEMBER HOUSEHOLD.
- FAIRWINDS SAVED OUR MEMBERS APPROXIMATELY $2.2 MILLION ON THEIR 15-YEAR MORTGAGES IN 2024 BY OFFERING 15-YEAR MORTGAGE LOAN RATES THAT WERE AT LEAST 0.48% LOWER THAN RATES OFFERED BY OTHER FLORIDA BANKS.
- FAIRWINDS SAVED OUR MEMBER APPROXIMATELY $4.9 MILLION ON THEIR 30-YEAR MORTGAGES IN 2024 BY OFFERING 30-YEAR MORTGAGE LOAN RATES THAT WERE AT LEAST 0.61% LOWER THAN RATES OFFERED BY OTHER FLORIDA BANKS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 11-1644012
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1972
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2106: STATE CHARTER CREDIT UNIONS IN FLORIDA GROUP RETURN
- Assets (IRS master file)
- $4,725,516,705
- Income (IRS master file)
- $273,583,772
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $272,314,802 | $216,671,085 | $4,725,516,705 | IRS |
| 990 | December 2023 | $214,504,612 | $169,187,861 | $4,424,198,635 | XML |
| 990 | December 2022 | $172,388,805 | $136,129,682 | $4,460,813,071 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 11-1644012).
Questions about STATE CHARTERED CREDIT UNIONS IN FLORIDA
- What is the EIN of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The employer identification number (EIN) of STATE CHARTERED CREDIT UNIONS IN FLORIDA is 11-1644012.
- Is STATE CHARTERED CREDIT UNIONS IN FLORIDA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1972.
- Are donations to STATE CHARTERED CREDIT UNIONS IN FLORIDA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does STATE CHARTERED CREDIT UNIONS IN FLORIDA file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of STATE CHARTERED CREDIT UNIONS IN FLORIDA due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did STATE CHARTERED CREDIT UNIONS IN FLORIDA last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2024 names LARRY F TOBIN.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2024 lists 21 people; 21 received compensation from the organization, the highest $4,871,981 (LARRY TOBIN, CEO/PRESIDENT).
- How much revenue does STATE CHARTERED CREDIT UNIONS IN FLORIDA have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $272,314,802, expenses of $216,671,085 and total assets of $4,725,516,705 at year end.
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