Nonprofit · EIN 59-6137995
STATE CHARTERED CREDIT UNIONS IN FLORIDA
Also known as 340 ECCO CREDIT UNION
Tax-exempt · PACE, FL 32571
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $823,558 | $687,281 | $136,277 | $17,611,408 | $12,547,929 | $5,063,479 |
| December 31, 2023 | 990 | $720,790 | $679,485 | $41,305 | $19,499,034 | $14,458,033 | $5,041,001 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $757,987
- Investment income
- $65,571
- Net gain from sales of assets
- -$36,580
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $139,916
- Other salaries and wages
- $88,545
- Salaries, compensation and benefits (total)
- $265,674
- Professional fundraising fees
- $0
- Occupancy
- $14,408
- Travel
- $5,268
- Depreciation
- $13,818
Balance sheet and other
- Total assets, start of year
- $19,499,034
- Total assets, end of year
- $17,611,408
- Total liabilities, end of year
- $12,547,929
- Net assets, end of year
- $5,063,479
- Land, buildings and equipment
- $84,458
- Gross receipts
- $1,411,016
- Employees
- 4
- Year formed
- 1956
- 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 |
|---|---|---|---|
| STEPHANIE H GRAVES | FORMER PRESI Officer | 40 | $126,021 |
| CHARLES O'QUINN | PRESIDENT Officer | 20 | $13,895 |
| WA LOWERY | TREASURER Trustee or director | 1 | $0 |
| DONALD RAGLAND | SECURITY Trustee or director | 1 | $0 |
| DENNIS COOPER | CHAIRMAN Trustee or director | 1 | $0 |
| DAVID HART | VICE CHAIRMA Trustee or director | 1 | $0 |
| PAUL BRADLEY | SECRETARY Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 7 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| STEPHANIE H GRAVES | PRESIDENT Officer | 40 | $58,891 |
| JOHN WALKER | FORMER PRESI Officer | 40 | $54,770 |
| WA LOWERY | TREASURER Trustee or director | 1 | $0 |
| DONALD RAGLAND | SECURITY Trustee or director | 1 | $0 |
| DENNIS COOPER | CHAIRMAN Trustee or director | 1 | $0 |
| DAVID HART | VICE CHAIRMA Trustee or director | 1 | $0 |
| PAUL BRADLEY | SECRETARY Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 4644 E SPENCER FIELD RD, PACE, FL 32571-1306
- In care of
- % CHARLES BUDDY OQUINN MANAGER
- Principal officer (990 for 2024)
- CHARLES O'QUINN, 4644 EAST SPENCERFIELD ROAD, MILTON, FL 32571
- Signed the 990
- CHARLES O'QUINN, PRESIDENT
- Phone
- (850) 994-6982
- Return prepared by
- DURST JORDAN CPA PA
Mission
SAVINGS AND COMPETITIVE LOANS. ECCO CREDIT UNION IS A NONPROFIT COOPERATIVE INSTITUTION FORMED FOR THE PURPOSE OF ENCOURAGING SAVINGS BY OFFERING A GOOD RETURN AND USING COLLECTIVE MONIES.
Program accomplishments
- ECCO CREDIT UNION IS A NONPROFIT COOPERATIVE INSTITUTION FORMED FOR THE PURPOSE OF ENCOURAGING SAVINGS BY OFFERING A GOOD RETURN AND USING COLLECTIVE MONIES TO MAKE LOANS AT COMPETITIVELY LOW INTEREST RATES.
- SAVINGS AND COMPETITIVE LOANS. ECCO CREDIT UNION IS A NONPROFIT COOPERATIVE INSTITUTION FORMED FOR THE PURPOSE OF ENCOURAGING SAVINGS BY OFFERING A GOOD RETURN AND USING COLLECTIVE MONIES.
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
- 59-6137995
- 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)
- $17,611,408
- Income (IRS master file)
- $1,411,016
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $823,558 | $687,281 | $17,611,408 | XML |
| 990 | December 2023 | $720,790 | $679,485 | $19,499,034 | XML |
| 990 | December 2022 | $783,000 | $573,976 | $23,271,046 | 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 59-6137995).
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 59-6137995.
- 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 CHARLES O'QUINN.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN FLORIDA?
- The 990 for the year ended December 31, 2024 lists 7 people; 2 received compensation from the organization, the highest $126,021 (STEPHANIE H GRAVES, FORMER PRESI).
- 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 $823,558, expenses of $687,281 and total assets of $17,611,408 at year end.
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