CHIPLEY, FL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1959, is a mid-sized nonprofit that reported $16.9M in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $15.0M left a modest 11% surplus.
Community South is committed to building better communities by creating lifelong relationships and inspiring the financial success our of our members.
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...
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.
THE CREDIT UNION OFFERS CONSUMER, REAL ESTATE AND BUSINESS LOANS TO OUR MEMBERS. IT ALSO OFFERS SECURED AND UNSECURED CREDIT CARDS.
THE CREDIT UNION MAINTAINS FIVE OFFICES WITH 57 EMPLOYEES TO SERVE OUR MEMBERS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $16,877,852 | $15,593,971 | +0.1% |
| Expenses | $14,963,113 | $14,133,784 | +0.1% |
| Net Income | $1,914,739 | $1,460,187 | +0.3% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| JAN L PAGE | PRESIDENT-CEO | 50 |
Officer
Highest
|
$314,471 | $0 | $314,471 |
| WAYLAND FULFORD | SENIOR VICE PRESIDENT, CLO | 40 |
Officer
|
$216,448 | $0 | $216,448 |
| NINA ADAMS | SENIOR VICE-PRESIDENT, CFO | 50 |
Officer
|
$198,049 | $0 | $198,049 |
| REBECCA SPENCER | SENIOR VICE PRESIDENT OF BRANCH OPERATIONS | 40 |
Key Emp
|
$143,893 | $0 | $143,893 |
| TRACY NEWSOM | VP OF OPERATIONS | 50 |
Key Emp
|
$123,697 | $0 | $123,697 |
| SUMMER FOREHAND | AVP, MORTGAGE | 40 |
Key Emp
|
$106,682 | $0 | $106,682 |
| IRA J CARTER | BOARD CHAIRMAN | 0 |
Director
|
$0 | $0 | $0 |
| THOMAS COOK | BOARD VICE-CHAIR | 0 |
Director
|
$0 | $0 | $0 |
| JERRY CAMPBELL | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| STEVE WHITTINGTON | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| DEREK CHADWELL | BOARD SECRETARY/TREASURER | 0 |
Director
|
$0 | $0 | $0 |
| HOWARD HODGE III | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $16,877,852 | $14,963,113 | $233,031,060 | $1,914,739 |
| 2024 | $15,593,971 | $14,133,784 | $234,175,641 | $1,460,187 |
| 2023 | $13,820,741 | $12,010,181 | $228,698,998 | $1,810,560 |
| 2022 | $10,944,013 | $7,786,574 | $199,432,607 | $3,157,439 |
| 2021 | $10,136,574 | $8,009,845 | $187,544,118 | $2,126,729 |
| 2020 | $9,540,463 | $7,706,703 | $161,931,375 | $1,833,760 |
| 2019 | $9,567,926 | $7,924,334 | $135,071,126 | $1,643,592 |
| 2018 | $9,038,857 | $7,150,134 | $128,994,985 | $1,888,723 |
Compare STATE CHARTERED CREDIT UNIONS IN FLORIDA with other nonprofits in Florida and across the country.