Nonprofit · EIN 59-0773154
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as FLORIDA CREDIT UNION
Tax-exempt · GAINESVILLE, FL 32627
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $190,006,716 | $149,867,860 | $40,138,856 | $2,636,563,039 | $2,299,607,962 | $336,955,077 |
| December 31, 2024 | 990 | $169,400,383 | $134,246,141 | $35,154,242 | $2,290,696,172 | $1,993,879,951 | $296,816,221 |
| December 31, 2023 | 990 | $143,282,205 | $106,325,959 | $36,956,246 | $2,105,555,808 | $1,843,893,829 | $261,661,979 |
| December 31, 2021 | 990 | $101,413,872 | $64,401,235 | $37,012,637 | $1,753,770,979 | $1,564,008,364 | $189,762,615 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $40,209,328
- Investment income
- $149,775,704
- Net rental income
- $21,684
- Net gain from sales of assets
- -$4,289,139
- Other revenue
- $21,684
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $4,759,617
- Other salaries and wages
- $22,053,730
- Salaries, compensation and benefits (total)
- $33,108,022
- Professional fundraising fees
- $0
- Legal fees
- $438,388
- Accounting fees
- $134,300
- Occupancy
- $2,251,025
- Depreciation
- $2,506,873
Balance sheet and other
- Total assets, start of year
- $2,290,696,172
- Total assets, end of year
- $2,636,563,039
- Total liabilities, end of year
- $2,299,607,962
- Net assets, end of year
- $336,955,077
- Land, buildings and equipment
- $72,647,502
- Publicly traded securities
- $244,094
- Gross unrelated business income
- $737,489
- Gross receipts
- $194,330,849
- Employees
- 390
- Volunteers
- 7
- Year formed
- 1954
- 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 |
|---|---|---|---|---|
| Mark Starr | President/CEO Officer | 40 | $1,246,741 | $40,173 |
| David Eckardt | SVP Operations/COO Officer | 40 | $749,599 | $79,233 |
| Thomas Beck | SVP IS/CTO Officer | 40 | $527,717 | $62,684 |
| Christine Suarez-Jenkins | SVP Lending/CLO Officer | 40 | $478,034 | $83,904 |
| Wendy Koford | SVP Finance/CFO Officer | 40 | $418,406 | $62,699 |
| Brian Moses | SVP Commercial Key employee | 40 | $343,550 | $39,085 |
| Wesley Colson | SVP Credit Services Key employee | 40 | $271,912 | $50,932 |
| Sarah King | SVP HR & Training Key employee | 40 | $266,209 | $37,480 |
| Beatrice Cherry | SVP Marketing Key employee | 40 | $257,165 | $29,296 |
| Daniel Arreola | VP Risk Managment Highest-paid employee | 40 | $213,828 | $34,304 |
| Kirk Becker | VP Information Services Highest-paid employee | 40 | $197,739 | $45,854 |
| Pingue Gregory | AVP Mortgage Highest-paid employee | 40 | $198,262 | $34,075 |
| April Schroeder | SVP Marketing Key employee | 40 | $200,284 | $27,866 |
| Lopes Michael | VP Systems Engineer Highest-paid employee | 40 | $179,414 | $45,596 |
| Jane Harris | Commercial Relationship Ma Highest-paid employee | 40 | $187,537 | $35,814 |
9 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Alfred Peoples | Board Treasurer Trustee or director | 0 | $0 |
| Andrew Sutherland | Board Director Trustee or director | 0 | $0 |
| Dr Barbara Buys | Board Vice-Chair Trustee or director | 0 | $0 |
| Faye McKnight | Board Secretary Trustee or director | 0 | $0 |
| Judy Johnson | Board Director Trustee or director | 0 | $0 |
| Kara Brown | Board Treasurer Trustee or director | 0 | $0 |
| Lynn Jones | Board Chair Trustee or director | 0 | $0 |
| William Hopgood | Board Director Trustee or director | 0 | $0 |
| Alfred Peoples | Board Director Trustee or director | 0 | $0 |
990 for the year ended December 31, 2024: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Mark Starr | President/CEO Officer | 40 | $1,750,296 | $71,033 |
| David Eckardt | SVP Operations/COO Officer | 40 | $452,816 | $124,814 |
| Thomas Beck | SVP IS/CTO Officer | 40 | $498,280 | $68,616 |
| Christine Suarez-Jenkins | SVP Lending/CLO Officer | 40 | $457,101 | $60,697 |
| Wendy Koford | SVP Finance/CFO Officer | 40 | $395,559 | $64,011 |
| Beatrice Cherry | SVP Marketing Key employee | 40 | $302,669 | $62,651 |
| Brian Moses | SVP Commercial Key employee | 40 | $319,435 | $39,389 |
| Wesley Colson | SVP Credit Services Key employee | 40 | $254,810 | $50,790 |
| Sarah King | SVP HR & Training Key employee | 40 | $224,378 | $38,822 |
| Daniel Arreola | VP Risk Managment Highest-paid employee | 40 | $202,781 | $36,323 |
| Kirk Becker | VP Information Services Highest-paid employee | 40 | $190,350 | $40,329 |
| Pingue Gregory | AVP Mortgage Highest-paid employee | 40 | $193,715 | $35,929 |
| Lopes Michael | VP Systems Engineer Highest-paid employee | 40 | $172,255 | $50,334 |
| Jane Harris | Commercial Relationship Ma Highest-paid employee | 40 | $185,152 | $32,538 |
| Alfred Peoples | Board Treasurer Trustee or director | 0 | $0 | $0 |
| Andrew Sutherland | Board Vice-Chair Trustee or director | 0 | $0 | $0 |
| Dr Barbara Buys | Board Secretary Trustee or director | 0 | $0 | $0 |
| Faye McKnight | Director Trustee or director | 0 | $0 | $0 |
| Judy Johnson | Board Director Trustee or director | 0 | $0 | $0 |
| Kara Brown | Director Trustee or director | 0 | $0 | $0 |
| Lynn Jones | Board Chair Trustee or director | 0 | $0 | $0 |
| William Hopgood | Board Director Trustee or director | 0 | $0 | $0 |
990 for the year ended December 31, 2023: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Mark Starr | President/CEO Officer | 40 | $914,009 | $279,431 |
| David Eckardt | SVP Operations/COO Officer | 40 | $393,193 | $105,933 |
| Thomas Beck | SVP IS/CTO Officer | 40 | $441,505 | $57,505 |
| Christine Suarez-Jenkins | SVP Lending/CLO Officer | 40 | $404,440 | $43,867 |
| Wendy Koford | SVP Finance/CFO Officer | 40 | $360,568 | $53,505 |
| Beatrice Cherry | SVP Marketing Key employee | 40 | $277,282 | $52,002 |
| Brian Moses | SVP Commercial Key employee | 40 | $290,431 | $31,587 |
| Wesley Colson | SVP Credit Services Key employee | 40 | $226,876 | $42,901 |
| Sarah King | SVP HR & Training Key employee | 40 | $200,526 | $29,306 |
| Daniel Arreola | VP Risk Managment Highest-paid employee | 40 | $192,279 | $28,512 |
| Pingue Gregory | AVP Mortgage Highest-paid employee | 40 | $186,533 | $30,083 |
| Kirk Becker | VP Information Services Highest-paid employee | 40 | $182,372 | $32,586 |
| Lopes Michael | VP Systems Engineer Highest-paid employee | 40 | $177,263 | $33,480 |
| Jane Harris | Commercial Relationship Manager Highest-paid employee | 40 | $170,053 | $31,331 |
| Alfred Peoples | Board Vice-Chair Trustee or director | 0 | $0 | $0 |
| Lynn Jones | Board Treasurer Trustee or director | 0 | $0 | $0 |
| Judy Johnson | Board Chair Trustee or director | 0 | $0 | $0 |
| Dr Barbara Buys | Board Director Trustee or director | 0 | $0 | $0 |
| William Hopgood | Board Director Trustee or director | 0 | $0 | $0 |
| Andrew Sutherland | Board Secretary Trustee or director | 0 | $0 | $0 |
| Kara Brown | Director Trustee or director | 0 | $0 | $0 |
| Faye McKnight | Director Trustee or director | 0 | $0 | $0 |
990 for the year ended December 31, 2021: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Mark Starr | President/CEO Officer | 40 | $1,648,541 | $308,029 |
| David Eckardt | SVP Operations/COO Officer | 40 | $351,968 | $97,900 |
| Thomas Beck | SVP IS/CTO Officer | 40 | $356,390 | $52,365 |
| Christine Suarez-Jenkins | SVP Lending/CLO Officer | 40 | $350,717 | $34,792 |
| Wendy Koford | SVP Finance/CFO Officer | 40 | $312,031 | $51,883 |
| Beatrice Cherry | SVP Marketing Key employee | 40 | $233,671 | $48,969 |
| Brian Moses | SVP Commercial Key employee | 40 | $199,040 | $17,756 |
| Wesley Colson | VP Member Solutions Key employee | 40 | $169,754 | $24,057 |
| Gregory Pingue | AVP Mortgage Highest-paid employee | 40 | $167,206 | $25,506 |
| Evan Pitts | Former SVP of Commercial Lending Former | 40 | $162,039 | $29,771 |
| Gregory Purvis | VP Consumer Lending Highest-paid employee | 40 | $166,225 | $25,429 |
| Jane Harris | VP Business Relationship M Highest-paid employee | 40 | $151,539 | $29,239 |
| Kirk Becker | VP Information Services Highest-paid employee | 40 | $145,292 | $31,530 |
| Matthew P Teoli | VP Digital Channels Highest-paid employee | 40 | $144,489 | $24,391 |
| Marlena Wesh | Former VP of HR Former | 40 | $116,513 | $20,691 |
| Alfred Peoples | Director Trustee or director | 0 | $0 | $0 |
| Lynn Jones | Director Trustee or director | 0 | $0 | $0 |
| Judy Johnson | Board Secretary Trustee or director | 0 | $0 | $0 |
| Dr Jacquiline Hart | Board Vice-Chair Trustee or director | 0 | $0 | $0 |
| Dr Barbara Buys | Board Treasurer Trustee or director | 0 | $0 | $0 |
| William Hopgood | Director Trustee or director | 0 | $0 | $0 |
| Andrew Sutherland | Board Chair Trustee or director | 0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 5549, GAINESVILLE, FL 32627-5549
- In care of
- % MR MARK STARR PRES CEO
- Principal officer (990 for 2025)
- Mark Starr, PO Box 5549, Gainesville, FL 326275549
- Signed the 990
- Mark Starr, CEO
- Phone
- (352) 377-4141
- Website
- www.flcu.org
Mission
Income from credit union membership and from investement of member funds provide the foundation from which the organization can function and provide service to its restricted membership.
Program accomplishments
- Income from credit union membership and from investment of members funds provide the foundation from which the organization can function and provide service to its restricted membership.
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
- 59-0773154
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1970
- 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)
- $2,636,563,039
- Income (IRS master file)
- $194,330,849
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $190,006,716 | $149,867,860 | $2,636,563,039 | XML |
| 990 | December 2024 | $169,400,383 | $134,246,141 | $2,290,696,172 | IRS |
| 990 | December 2023 | $143,282,205 | $106,325,959 | $2,105,555,808 | XML |
| 990 | December 2022 | $110,107,505 | $75,117,641 | $1,967,340,964 | IRS |
| 990 | December 2021 | $101,413,872 | $64,401,235 | $1,753,770,979 | XML |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | 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 59-0773154).
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 59-0773154.
- Is STATE CHARTERED CREDIT UNIONS IN FLORIDA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1970.
- 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 Mark Starr.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2025 lists 24 people; 15 received compensation from the organization, the highest $1,246,741 (Mark Starr, President/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 $190,006,716, expenses of $149,867,860 and total assets of $2,636,563,039 at year end.
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