STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 591690083) - 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

1963

Legal Domicile

Principal Officer

GENA SHIVER

Phone

8509733132

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1963, is a small nonprofit that reported $364K in total revenue in fiscal year 2025. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $324K left a modest 11% surplus.

Mission

Programs of Credit Unions- Financial 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 $247,346

Investment Income $116,860

Other Revenue $0

TOTAL REVENUE $364,206

Expense Breakdown

Grants Paid $0

Salaries & Benefits $122,602

Fundraising Expenses $0

Program Expenses $324,489

Other Expenses $201,887

TOTAL EXPENSES $324,489

Year-over-Year Comparison

	2025	2024	Change
Revenue	$364,206	$292,162	+0.2%
Expenses	$324,489	$249,055	+0.3%
Net Income	$39,717	$43,107	-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

$44,803

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gena Shiver	Manager or CEO	24.00	Officer	$44,803	$0	$44,803
Sandra P Kelley	Board Vice Chairperson	2.00	Director	$0	$0	$0
Catherine Honeywell	Board Member	2.00	Director	$0	$0	$0
Clyde Alexander	Board Member	2.00	Director	$0	$0	$0
Lucile B Day	Board Secretary	2.00	Director	$0	$0	$0
Shane Roland	Board Treasurer	2.00	Director	$0	$0	$0
Joseph M Akerman	Board Chairperson	2.00	Director	$0	$0	$0
Joyce C Wells	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	$364,206	$324,489	$7,283,442	$39,717
2024	$292,162	$249,055	$6,632,906	$43,107
2023	$226,510	$216,526	$6,272,374	$9,984
2022	$195,711	$199,058	$6,653,026	$-3,347
2021	$200,585	$163,747	$6,589,378	$36,838
2020	$225,929	$197,427	$6,286,308	$28,502
2019	$233,074	$233,154	$6,164,547	$-80
2018	$219,545	$213,581	$5,500,223	$5,964

STATE CHARTERED CREDIT UNIONS IN FLORIDA