Nonprofit · EIN 59-0626648
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as INSIGHT CREDIT UNION, OTTO WETTSTEIN JR CLUB
Tax-exempt · WINTER SPGS, FL 32708
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $33,176,746 | $33,837,460 | -$660,714 | $659,248,205 | $620,092,955 | $39,155,250 |
| December 31, 2024 | 990 | $36,815,869 | $33,025,125 | $3,790,744 | $685,975,667 | $655,291,312 | $30,684,355 |
| December 31, 2023 | 990 | $31,327,804 | $28,712,884 | $2,614,920 | $670,264,151 | $643,454,702 | $26,809,449 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $25,729,782
- Investment income
- $7,446,964
- Net gain from sales of assets
- $7,434
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $742,308
- Other salaries and wages
- $8,431,011
- Salaries, compensation and benefits (total)
- $11,910,128
- Professional fundraising fees
- $0
- Occupancy
- $2,743,428
- Program services (functional)
- $33,837,460
Balance sheet and other
- Total assets, start of year
- $685,975,667
- Total assets, end of year
- $659,248,205
- Total liabilities, end of year
- $620,092,955
- Net assets, end of year
- $39,155,250
- Land, buildings and equipment
- $7,163,833
- Publicly traded securities
- $180,279,220
- Gross unrelated business income
- $15,260
- Gross receipts
- $33,215,146
- Employees
- 180
- Volunteers
- 11
- Year formed
- 1935
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGE DAVIS | CEO Key employee | 45 | $441,896 | $48,982 |
| CARLENE L MULLIN | CFO Officer | 45 | $213,231 | $38,199 |
| JESSE DEAN | CRO Highest-paid employee | 45 | $188,864 | $27,334 |
| JODI PETRALA | CLO Highest-paid employee | 45 | $179,743 | $28,461 |
| CYNTHIA JONES | CIO Highest-paid employee | 45 | $172,604 | $34,406 |
| DEBORAH FOLEY | CHIEF RETAIL Highest-paid employee | 45 | $170,311 | $19,816 |
| JONATHAN PETERSON | AVP OF IT AD Highest-paid employee | 45 | $147,998 | $21,004 |
| ROBERT BURKE | DIRECTOR Trustee or director | 5 | $0 | $0 |
| DEBORAH COLLINS | TREASURER Trustee or director | 5 | $0 | $0 |
| STEPHEN HOELTKE | DIRECTOR Trustee or director, Officer | 5 | $0 | $0 |
| KAREN JOHNSON | DIRECTOR Trustee or director | 5 | $0 | $0 |
| LINDA SHORT | SECRETARY Trustee or director | 5 | $0 | $0 |
| DANIEL TATRO | VICE CHAIRMA Trustee or director | 5 | $0 | $0 |
| MARK ZICKEFOOSE | 1ST CHAIRMAN Trustee or director | 5 | $0 | $0 |
990 for the year ended December 31, 2024: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGE DAVIS | CEO Key employee | 40 | $446,228 | $46,436 |
| CARLENE L MULLIN | CFO Officer | 40 | $190,559 | $34,753 |
| JESSE DEAN | CRO Highest-paid employee | 40 | $177,367 | $24,395 |
| JODI PETRALA | CLO Highest-paid employee | 40 | $164,818 | $27,347 |
| CYNTHIA JONES | CIO Highest-paid employee | 40 | $160,564 | $31,170 |
| DEBORAH FOLEY | CHIEF RETAIL Highest-paid employee | 40 | $159,521 | $21,537 |
| DANIELLE MAHONEY | VP- HUMAN RE Highest-paid employee | 40 | $128,293 | $26,227 |
| CHARLES ARNETT | DIRECTOR Trustee or director, Officer | 5 | $0 | $0 |
| A FLOYD BRADLEY | TREASURER Trustee or director | 5 | $0 | $0 |
| DEBORAH COLLINS | DIRECTOR Trustee or director | – | $0 | $0 |
| STEPHEN HOELTKE | DIRECTOR Trustee or director, Officer | 5 | $0 | $0 |
| KAREN JOHNSON | DIRECTOR Trustee or director | 5 | $0 | $0 |
| LINDA SHORT | SECRETARY Trustee or director | 5 | $0 | $0 |
| DANIEL TATRO | VICE CHAIRMA Trustee or director | 5 | $0 | $0 |
| MARK ZICKEFOOSE | 1ST CHAIRMAN Trustee or director | 5 | $0 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GEORGE DAVIS | CEO Key employee | 45 | $441,701 | $23,471 |
| CARLENE L MULLIN | CFO Officer | 45 | $181,370 | $31,477 |
| JESSE DEAN | CRO Highest-paid employee | 45 | $167,605 | $21,729 |
| JODI PETRALA | CLO Highest-paid employee | 45 | $162,050 | $19,924 |
| CYNTHIA JONES | CIO Highest-paid employee | 45 | $158,611 | $20,609 |
| DEBORAH FOLEY | CHIEF RETAIL Highest-paid employee | 45 | $153,538 | $18,855 |
| DANIELLE MAHONEY | VP- HUMAN RE Highest-paid employee | 45 | $125,154 | $23,290 |
| DEBORAH COLLINS | DIRECTOR Trustee or director | 5 | $124,126 | $16,477 |
| CHARLES ARNETT | DIRECTOR Trustee or director, Officer | 5 | $0 | $0 |
| A FLOYD BRADLEY | TREASURER Trustee or director | 5 | $0 | $0 |
| STEPHEN HOELTKE | DIRECTOR Trustee or director, Officer | 5 | $0 | $0 |
| KAREN JOHNSON | DIRECTOR Trustee or director | 5 | $0 | $0 |
| LINDA SHORT | SECRETARY Trustee or director | 5 | $0 | $0 |
| DANIEL TATRO | VICE CHAIRMA Trustee or director | 5 | $0 | $0 |
| MARK ZICKEFOOSE | 1ST CHAIRMAN Trustee or director | 5 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 270 WINDING HOLLOW BLVD, WINTER SPGS, FL 32708-4035
- Mailing address (990-N for 2012)
- PO BOX 490048 MS, LEESBURG FL 34749
- Principal officer (990 for 2025)
- GEORGE DAVIS, PO BOX 4900, ORLANDO, FL 32082
- Principal officer (990-N for 2012)
- JOANN ESPOSITO, PO BOX 490048MS, LEESBURG FL 34749
- Signed the 990
- GEORGE DAVIS, CEO
- Phone
- (407) 659-2740
- Website
- WWW.INSIGHTFINANCIALCU.COM
- Return prepared by
- SCHWARTZ COLE AND ASSOCIATES
Mission
INSIGHT FINANCIAL CREDIT UNION IS A COOPERATIVE, NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROMOTE THRIFT AND PROVIDE CREDIT TO MEMBER; AT ADVANTAGEOUS RATES OVER THOSE GENERALLY AVAILABLE FROM OTHER BANKING SOURCES.
Program accomplishments
- INTEREST IS CHARGED AT MARKET RATES TO MEMBERS TO PROVIDE REVENUE TO PAY FOR THE COST OF THE FUNDS.
- FEES AND CHARGES ARE ASSESSED TO MEMBERS FOR FINANCIAL SERVICES. THESE FEES GENERATE THE REVENUE NECESSARY TO PAY THE COSTS TO PROVIDE THESE SERVICES.
- EARNINGS FROM THE INVESTMENTS. THE EXCESS OF FUNDS RECEIVED FROM MEMBERS, OVER THE AMOUNT LOANED TO MEMBERS, AS WELL AS ACCUMULATED SURPLUSES IS INVESTED IN SECURITIES ALLOWED BY THE NCUA, AND THE CREDIT UNION'S GOVERNING DOCUMENTS.
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 | 990 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
- 59-0626648
- 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)
- $659,248,205
- Income (IRS master file)
- $33,215,146
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $33,176,746 | $33,837,460 | $659,248,205 | XML |
| 990 | December 2024 | $36,815,869 | $33,025,125 | $685,975,667 | XML |
| 990 | December 2023 | $31,327,804 | $28,712,884 | $670,264,151 | XML |
| 990 | December 2022 | $24,146,976 | $20,369,837 | $687,612,427 | IRS |
| 990 | December 2021 | $22,918,572 | $20,852,595 | $694,415,445 | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
| 990-N for 2012 Officer: JOANN ESPOSITO | December 31, 2012 | ≤ $50,000 receipts | – | – | e-Postcard |
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 59-0626648).
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 59-0626648.
- 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 2026 (the year ending December 31, 2026) is due May 17, 2027. 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 2025.
- Who is the principal officer of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2025 names GEORGE DAVIS.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2025 lists 14 people; 7 received compensation from the organization, the highest $441,896 (GEORGE DAVIS, CEO).
- How much revenue does STATE CHARTERED CREDIT UNIONS IN FLORIDA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $33,176,746, expenses of $33,837,460 and total assets of $659,248,205 at year end.
Other nonprofits in WINTER SPGS
- EMPLOYU INC EIN 45-2586290 · last filed 990 for 2024
- CHOICES IN LEARNING INC EIN 59-3728385 · last filed 990 for 2025
- CIRCLE CHRISTIAN SCHOOL INC EIN 59-2631169 · last filed 990 for 2025
- FLORIDA DEVELOPMENT FINANCE CORPORATION EIN 59-3270584 · last filed 990 for 2025
- THE ARBOR SCHOOL OF CENTRAL FLORIDA INC EIN 27-3092011 · last filed 990 for 2025
- CENTRAL FLORIDA SOCCER ALLIANCE EIN 46-2500626 · last filed 990 for 2025
- ORLANDO SKI CLUB EIN 59-2473566 · last filed 990 for 2025
- DARKHORSE BENEFITS INC EIN 38-3843137 · last filed 990 for 2024