FLORIDA CITRUS MUTUAL INC

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1948

Legal Domicile

Principal Officer

KEVIN KOPPELMAN

Phone

8636821111

Tax Period

2024-09-01 to 2025-08-31

FLORIDA CITRUS MUTUAL INC, founded in 1948, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024. Expenses of $2.2M exceeded revenue, resulting in a 15% operating deficit.

Mission

THE PRINCIPAL BUSINESS PURPOSE IS THE ASSEMBLY AND DISSEMINATION OF INFORMATION RELATING TO THE FLORIDA CITRUS INDUSTRY TO THE MEMBER-GROWERS FOR ASSISTANCE IN CULTIVATION, HANDLING & MARKETING OF THEIR FRUIT.

Program Service Accomplishments

Program 1

Expenses: $2,059,255 Revenue: $1,462,315

THE PRINCIPAL BUSINESS PURPOSE IS THE ASSEMBLY AND DISSEMINATION OF INFORMATION RELATING TO THE FLORIDA CITRUS INDUSTRY TO THE MEMBER-GROWERS FOR ASSISTANCE IN CULTIVATION, HANDLING & MARKETING OF...

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $156,971

Program Service Revenue $1,144,589

Investment Income $279,048

Other Revenue $325,626

TOTAL REVENUE $1,906,234

Expense Breakdown

Grants Paid $0

Salaries & Benefits $853,044

Fundraising Expenses $0

Program Expenses $2,059,255

Other Expenses $1,332,864

TOTAL EXPENSES $2,185,908

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,906,234	$1,992,136	0.0%
Expenses	$2,185,908	$1,930,934	+0.1%
Net Income	$-279,674	$61,202	-5.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$240,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW S RUSSELL	VP	2.00	Officer Director	$0	$0	$0
CHRISTIAN SPINOSA	DIRECTOR	2.00	Director	$0	$0	$0
CORBY MYERS	DIRECTOR	2.00	Director	$0	$0	$0
GLENN BECK	VP	2.00	Officer Director	$0	$0	$0
JIM SNIVLEY	SECRETARY	2.00	Officer Director	$0	$0	$0
JOHN P BARBEN	DIRECTOR	5.00	Director	$0	$0	$0
KENNY DEVANE	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN KOPPELMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
KYLE STORY	PAST PRESIDENT	2.00	Director	$0	$0	$0
LARRY BLACK	DIRECTOR	5.00	Director	$0	$0	$0
MARK WHEELER	TREASURER	5.00	Officer Director	$0	$0	$0
NED HANCOCK	DIRECTOR	2.00	Director	$0	$0	$0
PAUL MEADOR	VP-SOUTHERN AREA	5.00	Officer Director	$0	$0	$0
RICHARD H FREEMAN	VP-NORTHERN AREA	5.00	Officer Director	$0	$0	$0
TOM MITCHELL	DIRECTOR	2.00	Director	$0	$0	$0
VC HOLLINGSWORTH	DIRECTOR	2.00	Director	$0	$0	$0
VIRGINIA PENA	DIRECTOR	2.00	Director	$0	$0	$0
WAYNE SIMMONS	DIRECTOR	2.00	Director	$0	$0	$0
WESTON SORIA	VP	2.00	Officer Director	$0	$0	$0
CHARLIE WILSON	DIRECTOR	2.00	Director	$0	$0	$0
G MATT JOYNER	CEO	50.00	Officer	$240,000	$0	$240,000
KEVIN METHENY	ASST TREASURER/CONTROLLER	40.00	Highest	$138,454	$0	$138,454
TAMARA WOOD	DIR OPERATIONS/STRATEGIC INITIATIVES	40.00	Highest	$134,000	$0	$134,000

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,906,234	$2,185,908	$2,945,675	$-279,674
2024	$1,992,136	$1,930,934	$3,251,293	$61,202
2023	$1,414,147	$1,591,479	$3,186,033	$-177,332
2022	$1,938,007	$2,360,366	$3,592,177	$-422,359
2021	$1,458,788	$1,853,662	$4,944,880	$-394,874
2020	$1,751,572	$1,915,674	$4,748,526	$-164,102