STATE CHARTERED CREDIT UNIONS IN FLORIDA ALLIANCE CREDIT UNION OF FLORIDA (EIN 596134207) - 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

1944

Legal Domicile

Principal Officer

TINA HUNTER

Phone

3523728225

Tax Period

2023-01-01 to 2023-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA ALLIANCE CREDIT UNION OF FLORIDA, founded in 1944, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum.

Mission

PEOPLE HELPING PEOPLE TO MASTER THEIR FINANCIAL SITUATIONS, ONE SOLUTION AT A TIME.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,235,528

Investment Income $203,503

Other Revenue $0

TOTAL REVENUE $4,439,031

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,437,304

Fundraising Expenses $0

Other Expenses $2,985,990

TOTAL EXPENSES $4,423,294

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,439,031	$3,591,719	+0.2%
Expenses	$4,423,294	$3,487,161	+0.3%
Net Income	$15,737	$104,558	-0.8%

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

$331,327

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM SHEPHERD	TREASURER/DIRECTOR	1.00	Director	$0	$0	$0
WILLIE WASHINGTON	TREASURER/DIRECTOR	1.00	Director	$0	$0	$0
ALAN R MORROW	CHAIR/DIRECTOR	1.00	Director	$0	$0	$0
GWENDOLYN B DAWSON	DIRECTOR	1.00	Director	$0	$0	$0
ALISHA CURTIS	CHAIR/DIRECTOR	1.00	Director	$0	$0	$0
RALPH W HILLIARD	SECRETARY/DIRECTOR	1.00	Director	$0	$0	$0
KYLE JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE W JOHNSON	V. CHAIRPERSON/DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY CANNON	CEO	40.00	Officer	$196,663	$37,838	$234,501
ANDREW ST CROIX	CFO	40.00	Officer	$92,215	$4,611	$96,826
DAVID CARNALL	VP OPERATIONS	40.00	Highest	$125,741	$10,494	$136,235

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
2024	No data	No data	No data	No data
2023	$4,439,031	$4,423,294	$62,136,284	$15,737
2022	$3,591,719	$3,487,161	$65,910,131	$104,558
2021	$3,282,646	$3,072,562	$63,107,145	$210,084
2020	$3,193,508	$3,165,350	$59,451,360	$28,158
2019	$3,375,952	$3,335,969	$52,381,016	$39,983
2018	$3,315,626	$3,001,866	$48,631,023	$313,760

STATE CHARTERED CREDIT UNIONS IN FLORIDA ALLIANCE CREDIT UNION OF FLORIDA