STATE CHARTERED CREDIT UNIONS IN FLORIDA (EIN 596153067) - 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

SUSAN LANGLEY

Phone

7274711330

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN FLORIDA, founded in 1963, is a community nonprofit that reported $2.1M in total revenue in fiscal year 2025. Expenses of $1.9M left a modest 8% surplus.

Mission

Providing Credit Union 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 $1,086,778

Investment Income $1,003,626

Other Revenue $0

TOTAL REVENUE $2,090,404

Expense Breakdown

Grants Paid $0

Salaries & Benefits $806,084

Fundraising Expenses $0

Program Expenses $1,918,320

Other Expenses $1,112,236

TOTAL EXPENSES $1,918,320

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,090,404	$2,108,057	0.0%
Expenses	$1,918,320	$1,889,882	+0.0%
Net Income	$172,084	$218,175	-0.2%

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

$137,520

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Susan Langley	CEO	40.00	Officer	$105,619	$31,901	$137,520
Kenneth O'Leary	Board Vice Chairperson	2.00	Director	$0	$0	$0
Leslie Brady	Board Member	2.00	Director	$0	$0	$0
Steven Harris	Board Chairperson	2.00	Director	$0	$0	$0
Edwin Nolan	Board Member	2.00	Director	$0	$0	$0
Kenneth Banks	Board Secretary	2.00	Director	$0	$0	$0
Floyd Miller	Board Member	2.00	Director	$0	$0	$0
Timothy Burger	Board Treasurer	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	$2,090,404	$1,918,320	$35,412,575	$172,084
2024	$2,108,057	$1,889,882	$36,443,666	$218,175
2023	$1,887,902	$1,657,229	$37,371,332	$230,673
2022	$1,369,133	$1,340,622	$40,288,490	$28,511
2021	$1,292,935	$1,267,289	$40,457,877	$25,646
2020	$1,415,593	$1,389,643	$38,291,327	$25,950
2019	$1,693,406	$1,620,418	$33,379,068	$72,988
2018	$1,650,036	$1,641,866	$33,927,214	$8,170

STATE CHARTERED CREDIT UNIONS IN FLORIDA