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Nonprofit · EIN 59-0968187

STATE CHARTERED CREDIT UNIONS IN FLORIDA

Also known as COMMUNITY SOUTH CREDIT UNION

Tax-exempt · CHIPLEY, FL 32428

Financials

$13.8M$12M2023$15.6M$14.1M2024$16.9M$15M2025
Revenue Expenses · by fiscal year end
Financials of STATE CHARTERED CREDIT UNIONS IN FLORIDA by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$16,877,852$14,963,113$1,914,739$233,031,060$202,347,124$30,683,936
December 31, 2024990$15,593,971$14,133,784$1,460,187$234,175,641$205,415,337$28,760,304
December 31, 2023990$13,820,741$12,010,181$1,810,560$228,698,998$181,393,342$47,305,656
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$15,972,162
Investment income
$905,690
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$1,103,240
Other salaries and wages
$2,341,253
Salaries, compensation and benefits (total)
$4,486,886
Professional fundraising fees
$0
Travel
$50,359

Balance sheet and other

Total assets, start of year
$234,175,641
Total assets, end of year
$233,031,060
Total liabilities, end of year
$202,347,124
Net assets, end of year
$30,683,936
Land, buildings and equipment
$11,987,364
Publicly traded securities
$7,007,257
Gross receipts
$16,877,852
Employees
72
Volunteers
6
Year formed
1959
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.

NameTitleHours / weekCompensation
JAN L PAGEPRESIDENT-CEO
Officer, Highest-paid employee
50$314,471
WAYLAND FULFORDSENIOR VICE PRESIDENT, CLO
Officer
40$216,448
NINA ADAMSSENIOR VICE-PRESIDENT, CFO
Officer
50$198,049
REBECCA SPENCERSENIOR VICE PRESIDENT OF BRANCH OPERATIONS
Key employee
40$143,893
TRACY NEWSOMVP OF OPERATIONS
Key employee
50$123,697
SUMMER FOREHANDAVP, MORTGAGE
Key employee
40$106,682
IRA J CARTERBOARD CHAIRMAN
Trustee or director
0$0
THOMAS COOKBOARD VICE-CHAIR
Trustee or director
0$0
JERRY CAMPBELLBOARD MEMBER
Trustee or director
0$0
STEVE WHITTINGTONBOARD MEMBER
Trustee or director
0$0
DEREK CHADWELLBOARD SECRETARY/TREASURER
Trustee or director
0$0
HOWARD HODGE IIIBOARD MEMBER
Trustee or director
0$0
990 for the year ended December 31, 2024: 13 people
NameTitleHours / weekCompensationOther / benefits
JAN L PAGEPRESIDENT-CEO
Officer, Key employee, Highest-paid employee
40$273,716$24,816
WAYLAND FULFORDSENIOR VICE PRESIDENT, CLO
Officer, Key employee
40$169,576$13,932
NINA ADAMSSENIOR VICE-PRESIDENT, CFO
Officer, Key employee
40$167,954$10,560
REBECCA SPENCERSENIOR VICE PRESIDENT OF BRANCH OPERATIONS
Key employee
40$110,531$3,411
TRACY NEWSOMVP OF OPERATIONS
Key employee
40$87,823$18,203
SUMMER FOREHANDAVP, MORTGAGE
Key employee
40$92,494$8,324
IRA J CARTERBOARD CHAIRMAN
Trustee or director
0$0$0
THOMAS COOKBOARD VICE-CHAIR
Trustee or director
0$0$0
FRED BUCHANANSECRETARY-TREASURER
Trustee or director
0$0$0
JERRY CAMPBELLBOARD MEMBER
Trustee or director
0$0$0
STEVE WHITTINGTONBOARD MEMBER
Trustee or director
0$0$0
DEREK CHADWELLBOARD MEMBER
Trustee or director
0$0$0
HOWARD HODGE IIIBOARD MEMBER
Trustee or director
0$0$0
990 for the year ended December 31, 2023: 13 people
NameTitleHours / weekCompensation
JAN L PAGEPRESIDENT-CEO
Officer, Key employee, Highest-paid employee
40$273,618
WAYLAND FULFORDSENIOR VICE PRESIDENT, CLO
Officer, Key employee
40$173,575
NINA ADAMSSENIOR VICE-PRESIDENT, CFO
Officer, Key employee
40$143,421
REBECCA SPENCERSENIOR VICE PRESIDENT OF BRANCH OPERATIONS
Key employee
40$116,171
TRACY NEWSOMVP OF OPERATIONS
Key employee
40$114,183
SUMMER FOREHANDAVP, MORTGAGE
Key employee
40$94,773
IRA J CARTERBOARD CHAIRMAN
Trustee or director
0$0
THOMAS COOKBOARD VICE-CHAIR
Trustee or director
0$0
FRED BUCHANANSECRETARY-TREASURER
Trustee or director
0$0
JERRY CAMPBELLBOARD MEMBER
Trustee or director
0$0
STEVE WHITTINGTONBOARD MEMBER
Trustee or director
0$0
DEREK CHADWELLBOARD MEMBER
Trustee or director
0$0
HOWARD HODGE IIIBOARD MEMBER
Trustee or director
0$0

Address and contacts

Address (IRS master file)
1044 HIGHWAY 90, CHIPLEY, FL 32428-2162
In care of
% NINA ADAMS
Principal officer (990 for 2025)
DBA Community South Credit Union, 1044 Highway 90, Chipley, FL 32428
Signed the 990
Nina Adams, VP of Finance and Accounting
Phone
(850) 638-8376

Mission

Community South is committed to building better communities by creating lifelong relationships and inspiring the financial success our of our members.

990 for the year ended December 31, 2025

Program accomplishments

  • THE CREDIT UNION OFFERS SHARE SAVINGS, SHARE DRAFT AND SHARE CERTIFICATE ACCOUNTS. THE CREDIT UNION ALSO PROVIDES DEBIT CARDS, HOME AND MOBILE BANKING, BILL PAYER AND REMOTE DEPOSIT SERVICES TO OUR MEMBERS.
    Expenses $14,963,113 · revenue $16,877,853
  • THE CREDIT UNION OFFERS CONSUMER, REAL ESTATE AND BUSINESS LOANS TO OUR MEMBERS. IT ALSO OFFERS SECURED AND UNSECURED CREDIT CARDS.
    Expenses $2,597,905 · revenue $11,784,091
  • THE CREDIT UNION MAINTAINS FIVE OFFICES WITH 57 EMPLOYEES TO SERVE OUR MEMBERS.
    Expenses $4,633,833 · revenue $1,914,740

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
59-0968187
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
Assets (IRS master file)
$233,031,060
Income (IRS master file)
$16,877,852

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$16,877,852$14,963,113$233,031,060IRS
990December 2024$15,593,971$14,133,784$234,175,641IRS
990December 2023$13,820,741$12,010,181$228,698,998XML
990December 2022$10,944,013$7,786,574$199,432,607IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 59-0968187).

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 59-0968187.
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 DBA Community South Credit Union.
Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
The 990 for the year ended December 31, 2025 lists 12 people; 6 received compensation from the organization, the highest $314,471 (JAN L PAGE, 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 $16,877,852, expenses of $14,963,113 and total assets of $233,031,060 at year end.

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