Nonprofit · EIN 59-0777511
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as 273 MEMBERS FIRST CU OF FLORIDA
Tax-exempt · PENSACOLA, FL 32591
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $17,643,366 | $13,731,809 | $3,911,557 | $293,130,548 | $255,042,766 | $38,087,782 |
| December 31, 2023 | 990 | $16,172,130 | $12,038,172 | $4,133,958 | $286,801,436 | $252,622,544 | $34,178,892 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $12,362,460
- Investment income
- $5,260,372
- Net gain from sales of assets
- -$1,139
- Other revenue
- $20,534
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,511,411
- Other salaries and wages
- $3,455,108
- Salaries, compensation and benefits (total)
- $5,456,231
- Professional fundraising fees
- $0
- Legal fees
- $130,705
- Accounting fees
- $86,750
- Occupancy
- $351,751
- Travel
- $28,945
- Depreciation
- $374,714
Balance sheet and other
- Total assets, start of year
- $286,801,436
- Total assets, end of year
- $293,130,548
- Total liabilities, end of year
- $255,042,766
- Net assets, end of year
- $38,087,782
- Land, buildings and equipment
- $8,043,282
- Gross unrelated business income
- $20,534
- Gross receipts
- $17,644,505
- Employees
- 103
- Volunteers
- 9
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MICHELE WILLIAMS | PRESIDENT/CEO Officer | 40 | $286,656 | $194,275 |
| TOM PAINTER | CHIEF FINANCIAL OFFICER Officer | 40 | $132,862 | $52,934 |
| CARYL A GREENE | PRESIDENT/CEO UNTIL 03/24 Officer | 40 | $152,814 | $6,234 |
| JOANNE HYATT | CHIEF LENDING OFFICER Officer | 40 | $127,725 | $14,119 |
| JEFF CRUTCHFIELD | CHIEF INFORMATION OFFICER Officer | 40 | $115,136 | $24,377 |
| TAMMY MILLER | CHIEF OPERATING OFFICER Officer | 40 | $120,261 | $11,733 |
| ADETOUN SANDERS | VP MARKETING & BUS. DEV. Officer | 40 | $95,991 | $9,461 |
| CHRISTINA REYNOLDS | VP HUMAN RESOURCES Officer | 40 | $85,029 | $4,686 |
| CHARLOTTE SCHIPMAN | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| BILL FARINAS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THERESA MCCANTS | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| LINDA HARRIS | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| CLARENCE LADNER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATHY TERRELL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JACK MARMASH | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARYL A GREENE | PRESIDENT/CEO Officer | 40 | $371,482 | $73,124 |
| MICHELE WILLIAMS | PRESIDENT Officer | 40 | $217,035 | $28,698 |
| TOM PAINTER | CHIEF FINANCIAL OFFICER Officer | 40 | $123,867 | $30,733 |
| DEBRA COSSON | CHIEF FINANCIAL OFFICER Officer | 40 | $137,863 | $13,845 |
| JEFF CRUTCHFIELD | CHIEF INFORMATION OFFICER Officer | 40 | $110,945 | $24,555 |
| TAMMY MILLER | CHIEF OPERATING OFFICER Officer | 40 | $106,939 | $12,112 |
| CARRIE GAVIN | COMPTROLLER Officer | 40 | $95,774 | $10,700 |
| ADETOUN SANDERS | VP MARKETING & BUSINESS DEVELOPMENT Officer | 40 | $87,039 | $9,549 |
| CHRISTINA REYNOLDS | VP HUMAN RESOURCES Officer | 40 | $78,162 | $4,424 |
| JOANNE HYATT | CHIEF LENDING OFFICER Officer | 40 | $41,188 | $2,097 |
| CHARLOTTE SCHIPMAN | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| BILL FARINAS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THERESA MCCANTS | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| LINDA HARRIS | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| CLARENCE LADNER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATHY TERRELL | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JACK MARMASH | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 12983, PENSACOLA, FL 32591-2983
- In care of
- % CARYL A GREENE PRESIDENT
- Principal officer (990 for 2024)
- MICHELE WILLIAMS, PO BOX 12983, PENSACOLA, FL 32591
- Signed the 990
- MICHELE WILLIAMS, PRESIDENT/CEO
- Phone
- (850) 434-2211
- Website
- WWW.MEMBERSFIRSTFL.ORG
- Return prepared by
- WARREN AVERETT LLC
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.
Program accomplishments
- 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.
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
- 59-0777511
- 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
- Category (NTEE)
- Public and societal benefit (W61)
- Group exemption
- 2106: STATE CHARTER CREDIT UNIONS IN FLORIDA GROUP RETURN
- Assets (IRS master file)
- $293,130,548
- Income (IRS master file)
- $17,644,505
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $17,643,366 | $13,731,809 | $293,130,548 | IRS |
| 990 | December 2023 | $16,172,130 | $12,038,172 | $286,801,436 | XML |
| 990 | December 2022 | $12,812,864 | $10,822,150 | $296,738,500 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 59-0777511).
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 59-0777511.
- 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 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 MICHELE WILLIAMS.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2024 lists 15 people; 8 received compensation from the organization, the highest $286,656 (MICHELE WILLIAMS, PRESIDENT/CEO).
- 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 $17,643,366, expenses of $13,731,809 and total assets of $293,130,548 at year end.
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All nonprofits in PENSACOLA · Florida · Public and societal benefit