STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 591227031) - 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

1964

Legal Domicile

Principal Officer

KAYLA MCKOWN

Phone

8503420250

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1964, is a small nonprofit that reported $943K in total revenue in fiscal year 2025. Expenses of $810K left a modest 14% surplus.

Mission

Providing a variety of financial services exclusively 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 $848,515

Investment Income $94,416

Other Revenue $0

TOTAL REVENUE $942,931

Expense Breakdown

Grants Paid $0

Salaries & Benefits $316,803

Fundraising Expenses $0

Program Expenses $810,061

Other Expenses $493,258

TOTAL EXPENSES $810,061

Year-over-Year Comparison

	2025	2024	Change
Revenue	$942,931	$894,771	+0.1%
Expenses	$810,061	$752,427	+0.1%
Net Income	$132,870	$142,344	-0.1%

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

$97,407

Total Directors

$97,407

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gladys Roann	Board Chairperson	2.00	Director	$0	$0	$0
Judy Allen	Board Member	2.00	Director	$0	$0	$0
Gwendolyn L Reshard	Board Secretary	2.00	Director	$0	$0	$0
Benjamin G Bishop	Board Vice Chairperson	2.00	Director	$0	$0	$0
Kayla McKown	CEO Board Treasurer	40.00	Officer Director	$89,852	$7,555	$97,407

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	$942,931	$810,061	$15,292,120	$132,870
2024	$894,771	$752,427	$15,163,769	$142,344
2023	$742,035	$583,485	$13,605,568	$158,550
2022	$632,508	$474,563	$13,608,713	$157,945
2021	$579,615	$455,985	$12,966,817	$123,630
2020	$567,382	$428,700	$11,756,425	$138,682
2019	$555,886	$475,378	$11,288,211	$80,508
2018	$473,110	$404,647	$10,351,390	$68,463

STATE CHARTERED CREDIT UNIONS IN FLORIDA