STATE CHARTERED CREDIT UNIONS IN FLORIDA

EIN: 593204467

ORLANDO, FL

Total Revenue
$78,492
Total Expenses
$81,746
Total Assets
N/A
Net Assets
N/A
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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
1960
Legal Domicile
FL
Phone
4074726899
Tax Period
2022-01-01 to 2022-02-01

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1960, is a micro nonprofit that reported $78K in total revenue in fiscal year 2022. Revenue fell 93% from the prior year — a significant decline worth monitoring.

Mission

To provide financial education for members

Program Service Accomplishments

Program 1
Expenses: $0 Revenue: $0

To Provide Financial Education for Members

Program 2
Expenses: $0 Revenue: $0

To Provide Financial Education for Members

Program 3
Expenses: $0 Revenue: $0

To Provide Financial Education for 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%)

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Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $42,194
Investment Income $12,430
Other Revenue $23,868
TOTAL REVENUE $78,492

Expense Breakdown

Grants Paid $0
Salaries & Benefits $33,276
Fundraising Expenses $0
Program Expenses $0
Other Expenses $48,470
TOTAL EXPENSES $81,746

Year-over-Year Comparison

2022 2021 Change
Revenue $78,492 $1,084,018 -0.9%
Expenses $81,746 $2,633,379 -1.0%
Net Income $-3,254 $-1,549,361 -1.0%
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

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Governance

Voting Members
5
Independent Members
5
Employees
11
Volunteers
5

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
1
$4,132
Total Directors
5
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Gary Teramae President 40.00
$7,190 $0 $7,190
Iry Santiago Vice President 40.00
Officer
$4,132 $0 $4,132
Patty Daoust Chairman 0.00
Director
$0 $0 $0
Les Goff Treasurer 0.00
Director
$0 $0 $0
Paul Daigle Vice Chair 0.00
Director
$0 $0 $0
Mike Sutter Secretary 0.00
Director
$0 $0 $0
Jason Abbott Director 0.00
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
2022 $78,492 $81,746 No data $-3,254
2021 $1,084,018 $1,070,386 $37,338,630 $13,632
2020 $1,331,163 $1,242,182 $34,942,736 $88,981
2019 $1,500,785 $1,358,361 $29,111,849 $142,424
2018 $1,556,277 $1,355,089 $29,935,786 $201,188
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