STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 591226570) - 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

1941

Legal Domicile

Principal Officer

LOIS BLITHE

Phone

7274427746

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1941, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2025. Expenses of $2.5M left a modest 8% surplus.

Mission

CREDIT UNION OFFERING PERSONAL FINANCIAL SERVICES TO MEMBERS

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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 $2,340,645

Investment Income $429,838

Other Revenue $0

TOTAL REVENUE $2,770,483

Expense Breakdown

Grants Paid $0

Salaries & Benefits $576,225

Fundraising Expenses $0

Program Expenses $2,542,322

Other Expenses $1,966,097

TOTAL EXPENSES $2,542,322

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,770,483	N/A	N/A
Expenses	$2,542,322	N/A	N/A
Net Income	$228,161	$0	N/A

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

$98,288

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Holly Albright	Board Secretary Board Member	1.00	Director	$0	$0	$0
James Mehr Sr	Board Chairperson	1.00	Director	$0	$0	$0
Patrick Adamson	Board Vice Chairperson Board Member Other	1.00	Director	$0	$0	$0
Karen Dombrowski	Board Treasurer Other	1.00	Director	$0	$0	$0
Lisa A Perkins	Board Member	1.00	Director	$0	$0	$0
Lois R Blithe	Manager or CEO	40.00	Officer	$98,288	$0	$98,288

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	$2,770,483	$2,542,322	$41,445,925	$228,161
2024	No data	No data	No data	No data
2023	$2,251,079	$2,725,742	$36,537,789	$-474,663
2022	$1,932,722	$1,802,246	$38,354,964	$130,476
2021	$1,748,104	$1,696,853	$36,576,165	$51,251
2020	$1,622,739	$1,401,313	$30,308,535	$221,426
2019	$1,590,729	$1,534,008	$24,593,584	$56,721
2018	$1,313,778	$1,120,557	$23,698,948	$193,221

STATE CHARTERED CREDIT UNIONS IN FLORIDA