Nonprofit · EIN 59-0808589
RADIANT CREDIT UNION
Tax-exempt · GAINESVILLE, FL 32606
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $55,611,981 | $50,603,854 | $5,008,127 | $855,283,975 | $190,174,455 | $665,109,520 |
| December 31, 2023 | 990 | $49,826,074 | $47,045,579 | $2,780,495 | $803,487,053 | $143,858,182 | $659,628,871 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $37,459,589
- Investment income
- $6,222,396
- Net gain from sales of assets
- $170,272
- Other revenue
- $11,929,996
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $1,796,630
- Other salaries and wages
- $11,723,222
- Salaries, compensation and benefits (total)
- $16,261,789
- Professional fundraising fees
- $0
- Legal fees
- $162,052
- Accounting fees
- $101,396
- Occupancy
- $1,207,481
- Travel
- $363,286
- Depreciation
- $1,132,318
Balance sheet and other
- Total assets, start of year
- $803,487,053
- Total assets, end of year
- $855,283,975
- Total liabilities, end of year
- $190,174,455
- Net assets, end of year
- $665,109,520
- Land, buildings and equipment
- $23,481,181
- Gross unrelated business income
- $1,212,845
- Gross receipts
- $55,611,981
- Employees
- 210
- Volunteers
- 12
- Year formed
- 2021
- 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 |
|---|---|---|---|---|
| THOMAS BARNARD | PRESIDENT/CEO Officer | 40 | $521,286 | $36,406 |
| KELLY CHESSER | COO Officer | 40 | $245,708 | $28,410 |
| TREY PRESNELL | CFO Officer | 40 | $238,996 | $28,528 |
| ANDREW CUOMO | CPO Officer | 40 | $233,509 | $28,528 |
| MATTHEW BRADDY | CLO Officer | 40 | $222,318 | $27,873 |
| WES STRICKLAND | VP OF MARKETING Highest-paid employee | 40 | $169,516 | $10,433 |
| BRANDON LOVE | CIO Officer | 40 | $158,026 | $15,662 |
| TANNIA WEAVER | VP OF RISK/COMPLIANCE Highest-paid employee | 40 | $158,029 | $9,148 |
| JOSH EMERSON | VP OF CREDIT Highest-paid employee | 40 | $155,844 | $9,290 |
| KIMBERLY MAXWELL | VP OF IT Highest-paid employee | 40 | $148,410 | $8,943 |
| ERIC WHISLER | CONTACT CENTER DIRECTOR Highest-paid employee | 40 | $131,575 | $7,900 |
| CHAD KING | CHAIRMAN Trustee or director, Officer | 1 | $3,203 | $0 |
| DAVID NICHOLSON | TREASURER Trustee or director, Officer | 1 | $2,846 | $0 |
| JOHN POWER | DIRECTOR Trustee or director | 1 | $1,659 | $0 |
| CYNTHIA S BROCHU | VICE CHAIRPERSON Trustee or director, Officer | 1 | $1,492 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JANE TAYLOR | SECRETARY Trustee or director, Officer | 1 | $1,173 |
| CALVIN DECOURSEY | DIRECTOR Trustee or director | 1 | $1,006 |
| SHARON PAPCIAK | DIRECTOR Trustee or director | 1 | $0 |
| APRIL SAVARESE | DIRECTOR Trustee or director | 1 | $0 |
| CHARLES GEIGER SR | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 21 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| THOMAS BARNARD | PRESIDENT/CEO Officer | 40 | $494,444 | $37,258 |
| KELLY CHESSER | COO Officer | 40 | $231,699 | $29,195 |
| TREY PRESNELL | CFO Officer | 40 | $219,264 | $28,243 |
| BRANDON LOVE | CTO Officer | 40 | $216,861 | $26,868 |
| MATTHEW BRADDY | CLO Officer | 40 | $213,478 | $28,413 |
| ANDREW CUOMO | CPO Officer | 40 | $210,592 | $28,243 |
| ALBERT STRICKLAND | VP OF MARKETING Highest-paid employee | 40 | $158,726 | $27,600 |
| TANNIA WEAVER | VP OF RISK/COMPLIANCE Highest-paid employee | 40 | $151,459 | $14,816 |
| JOSH EMERSON | VP OF CREDIT Highest-paid employee | 40 | $145,577 | $20,096 |
| KIMBERLY MAXWELL | VP OF OPERATIONS Highest-paid employee | 40 | $127,502 | $25,038 |
| ERIC WHISLER | CONTACT CENTER DIRECTOR Highest-paid employee | 40 | $123,004 | $13,574 |
| SHARON PAPCIAK | DIRECTOR Trustee or director | 1 | $3,482 | $0 |
| CHARLES GEIGER SR | DIRECTOR Trustee or director | 1 | $3,472 | $0 |
| DAVID NICHOLSON | DIRECTOR Trustee or director | 1 | $3,391 | $0 |
| CHAD KING | VICE CHAIRMAN Trustee or director, Officer | 1 | $2,466 | $0 |
| PATRICK FITZGERALD | DIRECTOR UNTIL 2/2023 Trustee or director | 1 | $1,610 | $0 |
| CALVIN DECOURSEY | CHAIRMAN Trustee or director, Officer | 1 | $1,607 | $0 |
| JOHN POWER | DIRECTOR Trustee or director | 1 | $1,562 | $0 |
| JANE TAYLOR | SECRETARY Trustee or director, Officer | 1 | $1,512 | $0 |
| CYNTHIA S BROCHU | TREASURER Trustee or director, Officer | 1 | $1,200 | $0 |
| APRIL SAVARESE | DIRECTOR AS OF 2/2023 Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 4440 NW 25TH PL, GAINESVILLE, FL 32606-6563
- Principal officer (990 for 2024)
- THOMAS BARNARD, 4440 NW 25TH PL, GAINESVILLE, FL 326066563
- Signed the 990
- TREY PRESNELL, CFO
- Phone
- (386) 462-1180
- Website
- HTTPS://WWW.RADIANTCU.ORG/
- Return prepared by
- JAMES MOORE & CO PL
Mission
WE WILL DELIVER A TIMELY, ATTENTIVE, PERSONALIZED EXPERIENCE THAT LEAVES OUR MEMBERS FEELING VALUED!
Program accomplishments
- WE'RE A CREDIT UNION, A NOT-FOR-PROFIT FINANCIAL INSTITUTION PROUDLY SERVING OUR COMMUNITY AND MEMBERS SINCE 1957. WITH ALL THE CHOICES OUT THERE, WHY PICK RADIANT CREDIT UNION? YOU OWN US. OUR MEMBERS AREN'T JUST CUSTOMERS, THEY'RE OWNERS. THIS MEANS WHEN YOU JOIN RADIANT CREDIT UNION, YOU GET A VOICE IN HOW WE DO BUSINESS. AS A NOT-FOR-PROFIT COOPERATIVE, WE RETURN OUR PROFITS TO OUR MEMBER-OWNERS IN THE FORM OF BETTER RATES, LOWER FEES, A HIGHER RETURN ON DEPOSITS, AND PERSONALIZED SERVICE.
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
- 59-0808589
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 2021
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $855,283,975
- Income (IRS master file)
- $55,611,981
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $55,611,981 | $50,603,854 | $855,283,975 | XML |
| 990 | December 2023 | $49,826,074 | $47,045,579 | $803,487,053 | XML |
| 990 | December 2022 | $40,380,300 | $34,980,000 | $749,270,618 | IRS |
| 990 | December 2021 | $32,731,636 | $27,893,079 | $703,310,605 | 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 59-0808589).
Questions about RADIANT CREDIT UNION
- What is the EIN of RADIANT CREDIT UNION?
- The employer identification number (EIN) of RADIANT CREDIT UNION is 59-0808589.
- Is RADIANT CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 2021.
- Are donations to RADIANT CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RADIANT CREDIT UNION 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 RADIANT CREDIT UNION 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 RADIANT CREDIT UNION 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 RADIANT CREDIT UNION?
- The 990 for the year ended December 31, 2024 names THOMAS BARNARD.
- Who are the officers and directors of RADIANT CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 20 people; 17 received compensation from the organization, the highest $521,286 (THOMAS BARNARD, PRESIDENT/CEO).
- How much revenue does RADIANT CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $55,611,981, expenses of $50,603,854 and total assets of $855,283,975 at year end.
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