STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 590965738) - Form 990 Financial Analysis & Trantor Score

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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

1951

Legal Domicile

Principal Officer

DAWN GONZALEZ

Phone

9419536744

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1951, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $405K, a strong 24% operating margin.

Mission

1ST STREET CREDIT UNION OFFERS A VARIETYOF FINANCIAL SERVICES EXCLUSIVELY TO MEMBERS. THESE INCLUDE COMPETITIVE RATES ON LOANS AND DEPOSITS IN ADDITION TO MANY OTHER PRODUCTS AND SERVICES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,098,301

Investment Income $534,909

Other Revenue $84,850

TOTAL REVENUE $1,718,060

Expense Breakdown

Grants Paid $0

Salaries & Benefits $424,478

Fundraising Expenses $0

Program Expenses $13,129,360

Other Expenses $888,458

TOTAL EXPENSES $1,312,936

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,718,060	$1,535,871	+0.1%
Expenses	$1,312,936	$1,264,400	+0.0%
Net Income	$405,124	$271,471	+0.5%

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

$105,644

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dawn Gonzalez	CEO	40.00	Officer	$100,028	$5,616	$105,644
Norman Stockton	Board Treasurer	2.00	Director	$0	$0	$0
Donita Sumney	Board Secretary	2.00	Director	$0	$0	$0
April Bryan	Board Vice Chairperson	2.00	Director	$0	$0	$0
Randy Boyd	Board Chairperson Board Member	2.00	Director	$0	$0	$0
Lucius Bonner Jr	Board Member	2.00	Director	$0	$0	$0

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	$1,718,060	$1,312,936	$32,074,288	$405,124
2024	No data	No data	No data	No data
2023	$1,520,782	$1,139,057	$33,820,328	$381,725
2022	$1,367,644	$1,173,638	$38,204,185	$194,006
2021	$1,236,235	$1,231,072	$39,446,205	$5,163
2020	$1,358,075	$1,401,369	$35,721,958	$-43,294
2019	$1,470,974	$1,386,282	$31,224,237	$84,692
2018	$1,403,457	$1,238,077	$29,445,560	$165,380

STATE CHARTERED CREDIT UNIONS IN FLORIDA