Nonprofit · EIN 59-0947735
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as GUARDIANS CREDIT UNION
Tax-exempt · WEST PALM BCH, FL 33406
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $21,761,638 | $18,416,080 | $3,345,558 | $299,078,015 | $249,887,509 | $49,190,506 |
| December 31, 2024 | 990 | $20,788,475 | $17,184,392 | $3,604,083 | $302,581,677 | $256,736,729 | $45,844,948 |
| December 31, 2023 | 990 | $19,290,973 | $15,749,063 | $3,541,910 | $288,582,486 | $246,341,621 | $42,240,865 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $15,617,184
- Investment income
- $2,648,202
- Other revenue
- $3,496,252
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $5,183,186
- Salaries, compensation and benefits (total)
- $6,593,025
- Professional fundraising fees
- $0
- Occupancy
- $844,629
- Management and general (functional)
- $18,416,080
Balance sheet and other
- Total assets, start of year
- $302,581,677
- Total assets, end of year
- $299,078,015
- Total liabilities, end of year
- $249,887,509
- Net assets, end of year
- $49,190,506
- Land, buildings and equipment
- $11,345,165
- Gross receipts
- $21,761,638
- Employees
- 124
- Volunteers
- 10
- Year formed
- 1953
- 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 |
|---|---|---|---|---|
| STEVE BOSACK | PRESIDENT/CE Officer | 40 | $337,080 | $19,736 |
| DEANNA FRAME | EVP Key employee | 40 | $233,648 | $8,178 |
| JOSE ALICEA | COO Officer | 40 | $184,273 | $1,843 |
| MICHELE NICHOLS | CLO Officer | 40 | $180,200 | $5,850 |
| LISA OLIVER | CHIEF ADMIN Officer | 40 | $166,064 | $5,812 |
| MINIRE SYLA | CFO Officer | 40 | $137,800 | $3,009 |
| SHERI HARRIS | AVP BRANCH S Highest-paid employee | 40 | $111,017 | $3,874 |
| MARTHA SCHWIND | AVP COMPLIAN Highest-paid employee | 40 | $109,533 | $3,822 |
| FAREEDA MURRELL | AVP VIRTUAL Highest-paid employee | 40 | $108,865 | $3,799 |
| REMIGIJUS LUKOSIUNAS | AVP PROJECT Highest-paid employee | 40 | $111,240 | $695 |
| RAYMOND LIGGINS | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| HERBERT KAHLERT | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| OSCAR SOLARES | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| JUDITH DUGO | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| BRENDAN LYNCH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JAMES DAVIS | BOARD MEMBER Trustee or director | 1 | $0 |
| THOMAS SHEA | HONORARY BOA Trustee or director | 1 | $0 |
| KEELER SHEPHARD | AUD COM CHAI Officer | 1 | $0 |
| CAROL HEFFNER | AUD COM MEMB Officer | 1 | $0 |
| LAURA WILLS | AUD COM MEMB Officer | 1 | $0 |
990 for the year ended December 31, 2024: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| STEVE BOSACK | PRESIDENT/CE Officer | 40 | $321,000 | $321,837 |
| DEANNA FRAME | EVP Key employee | 40 | $235,853 | $214,818 |
| JOSE ALICEA | COO Highest-paid employee | 40 | $186,011 | $167,021 |
| LISA OLIVER | CHIEF ADMIN Highest-paid employee | 40 | $167,630 | $153,192 |
| LAURA WILLS | CFO Former | 40 | $157,386 | $147,655 |
| WILLIAM CALVERT | CLO Former | 40 | $149,838 | $94,992 |
| SHERI HARRIS | AVP BRANCH S Highest-paid employee | 40 | $107,239 | $106,810 |
| MICHELE NICHOLS | CLO Highest-paid employee | 40 | $172,975 | $27,494 |
990 for the year ended December 31, 2023: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOHN DEESE | CEO Former | 40 | $868,085 | $11,550 |
| DEANNA FRAME | EVP Key employee | 40 | $216,665 | $13,539 |
| STEVE BOSACK | PRESIDENT/CE Officer | 40 | $205,630 | $13,457 |
| JOSE ALICEA | COO Highest-paid employee | 40 | $151,063 | $10,673 |
| W CHRIS CALVERT | CHIEF MEM EX Highest-paid employee | 40 | $147,809 | $11,253 |
| LISA OLIVER | CHIEF ADMIN Highest-paid employee | 40 | $138,172 | $10,861 |
| LAURA WILLS | CFO Highest-paid employee | 40 | $124,861 | $10,450 |
| HERBERT KAHLERT | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| RAY LIGGINS | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| OSCAR SOLARES | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| JUDITH DUGO | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| BRENDAN LYNCH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JAMES DAVIS | BOARD MEM/AU Trustee or director, Officer | 1 | $0 | $0 |
| THOMAS SHEA | HONORARY BOA Officer | 1 | $0 | $0 |
| CAROL HEFFNER | AUD COMM CHA Officer | 1 | $0 | $0 |
| KEELER SHEPHARD | AUDIT VICE C Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 3469 SUMMIT BLVD, WEST PALM BCH, FL 33406-4109
- In care of
- % JOHN D DEESE PRESIDENT
- Principal officer (990 for 2025)
- STEVE BOSACK, 3469 SUMMIT BLVD, WEST PALM BEACH, FL 33406
- Signed the 990
- MINIRE SYLA, CFO
- Phone
- (561) 686-4006
- Website
- WWW.GUARDIANSCU.COOP
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 36,587 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Program accomplishments
- THE CREDIT UNION PORVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.Expenses $16,631,921
- THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $1,784,159
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
- 59-0947735
- 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)
- $299,078,015
- Income (IRS master file)
- $21,761,638
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $21,761,638 | $18,416,080 | $299,078,015 | XML |
| 990 | December 2024 | $20,788,475 | $17,184,392 | $302,581,677 | XML |
| 990 | December 2023 | $19,290,973 | $15,749,063 | $288,582,486 | XML |
| 990 | December 2022 | $15,811,179 | $13,250,093 | $302,456,073 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 59-0947735).
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 59-0947735.
- 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 STEVE BOSACK.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2025 lists 20 people; 10 received compensation from the organization, the highest $337,080 (STEVE BOSACK, PRESIDENT/CE).
- 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 $21,761,638, expenses of $18,416,080 and total assets of $299,078,015 at year end.
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- EMERGENCY ASSISTANCE FOUNDATION INC EIN 45-1813056 · last filed 990 for 2025
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