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Nonprofit · EIN 59-0991497

STATE CHARTERED CREDIT UNIONS IN FLORIDA

Also known as CALHOUN LIBERTY CREDIT UNION

Tax-exempt · BLOUNTSTOWN, FL 32424

Financials

$7.9M$6.5M2023$11.5M$10.3M2024$12.6M$10.9M2025
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 (amended)$12,584,994$10,931,570$1,653,424$172,198,621$153,878,436$18,320,185
December 31, 2024990$11,490,747$10,280,070$1,210,677$160,014,197$143,449,807$16,564,390
December 31, 2023990$7,862,743$6,453,998$1,408,745$123,153,567$113,843,841$9,309,726
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$9,463,706
Investment income
$1,380,549
Other revenue
$1,740,739

Expenses

Grants and similar amounts paid
$0
Other salaries and wages
$2,353,970
Salaries, compensation and benefits (total)
$3,271,609
Professional fundraising fees
$0
Occupancy
$392,237
Management and general (functional)
$10,931,570

Balance sheet and other

Total assets, start of year
$160,014,197
Total assets, end of year
$172,198,621
Total liabilities, end of year
$153,878,436
Net assets, end of year
$18,320,185
Land, buildings and equipment
$4,762,915
Gross unrelated business income
$144,018
Gross receipts
$12,584,994
Employees
41
Volunteers
8
Year formed
1957
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 / weekCompensationOther / benefits
THOMAS FLOWERSCEO
Officer
40$337,417$55,695
TERRI WALDONCOO
Officer
40$165,537$32,302
SHELLY BURNSCLO
Officer
40$134,287$14,802
JOHNNY O'HARECFO
Officer
40$125,577$12,565
ANNIE JO DAWSONBOD CHAIR
Trustee or director
1$0$0
JUSTIN FORDBOD
Trustee or director
1$0$0
JUDY FRANKLINBOD SECRETAR
Trustee or director, Officer
1$0$0
DENNY GEORGEBOD
Trustee or director
1$0$0
DANNY HASSIG JRBOD VICE CHA
Trustee or director
1$0$0
DIANE LONGBOD TREAS/AC
Trustee or director, Officer
1$0$0
CHERYL ROGERSBOARD
Officer
1$0$0
990 for the year ended December 31, 2024: 11 people
NameTitleHours / weekCompensationOther / benefits
THOMAS FLOWERSCEO
Officer
40$234,691$36,008
TERRI WALDONCOO
Officer
40$165,006$30,065
REB SCHMIDTCFO
Officer
40$159,227$0
SHELLY BURNSCLO
Officer
40$136,005$14,801
ANNIE JO DAWSONBOD CHAIR
Trustee or director
1$0$0
JUSTIN FORDBOD
Trustee or director
1$0$0
JUDY FRANKLINBOD SECRETAR
Trustee or director, Officer
1$0$0
DENNY GEORGEBOD
Trustee or director
1$0$0
DANNY HASSIG JRBOD VICE CHA
Trustee or director
1$0$0
DIANE LONGBOD TREAS/AC
Trustee or director, Officer
1$0$0
ELAINE BARBERAUDIT COMM M
Officer
1$0$0
990 for the year ended December 31, 2023: 11 people
NameTitleHours / weekCompensationOther / benefits
THOMAS FLOWERSCEO
Officer
40$216,417$60,720
TERRI WALDONCOO
Officer
40$151,034$36,864
REB SCHMIDTCFO
Officer
25$154,113$0
SHELLY BURNSCLO
Officer
40$124,327$23,096
ANNIE JO DAWSONBOD CHAIR
Trustee or director
1$0$0
JUDY FRANKLINBOD SECRETAR
Trustee or director
1$0$0
GENE FREEBOD
Trustee or director
1$0$0
DANNY HASSIG JRBOD VICE CHA
Trustee or director
1$0$0
DIANE LONGBOD TREAS/AC
Trustee or director, Officer
1$0$0
ELAINE BARBERAUDIT COMM M
Officer
1$0$0
JUDY FRANKLINAUDIT COMM M
Officer
1$0$0

Address and contacts

Address (IRS master file)
16076 HIGHWAY 71S, BLOUNTSTOWN, FL 32424-0000
In care of
% DIANE M LONG MANAGER
Principal officer (990 for 2025)
THOMAS FLOWERS, 16076 FLORIDA 71, BLOUNTSTOWN, FL 32424
Signed the 990
THOMAS FLOWERS, CEO
Phone
(850) 674-4527
Return prepared by
CREDIT UNION AUDIT GROUP

Mission

CREDIT UNION - TO PROVIDE SERVIES TO APPROXIMATELY 9,145 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

990 for the year ended December 31, 2025

Program accomplishments

  • NON-INTEREST EXPENSE & PROVISION FOR LOAN LOSS.
    Expenses $8,103,666
  • INTEREST EXPENSE
    Expenses $2,827,904

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
59-0991497
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)
$172,198,621
Income (IRS master file)
$12,584,994

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$12,584,994$10,931,570$172,198,621XML
990December 2024$11,490,747$10,280,070$160,014,197IRS
990December 2023$7,862,743$6,453,998$123,153,567XML
990December 2022$5,518,385$4,295,862$108,741,379IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2018–––IRS
990December 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 59-0991497).

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 59-0991497.
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 THOMAS FLOWERS.
Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
The 990 for the year ended December 31, 2025 lists 11 people; 4 received compensation from the organization, the highest $337,417 (THOMAS FLOWERS, 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 $12,584,994, expenses of $10,931,570 and total assets of $172,198,621 at year end.

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