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State Chartered Credit Unions In Florida

Floridacentral Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$22.1M (2022)

Expenses
$19.8M (2022)

Total Assets
$592M (2022)

Total Liabilities
$584M (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,088,773
Expenses
$19,819,876
Net Income
$2,268,897
Net Assets
$7,385,715
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,524,905
79.3%
Investment Income $4,523,522
20.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $40,346
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,466,885
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,486,888
27.7%
Assets/Debt
Total Assets $591,612,328
Total Liabilities $584,226,613
Net Assets $7,385,715
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $720,947 $0 $34,526
Sharon Hill (Cfo) $230,101 $0 $27,774
Craig Burkhard (Cheif Credit Officer) $180,604 $0 $42,561
Thomas Chestnutt (Director Of Sales) $145,466 $0 $49,829
Brian Robinson (Svp/Cmo) $142,928 $0 $71,508
Mitchell Scott Newberger (Vp/Coo) $135,285 $0 $19,815
Patricia Waddell (It Manager) $130,172 $0 $49,516
Carla Gant (Vp Human) $122,360 $0 $46,173
Thuy Linh N Dang (President/Ceo) $58,492 $0 $1,600
Stephen Shear (Director) $4,161 $0 $0
Kenneth H Spence (Secretary) $4,101 $0 $0
Pamela Wendland (Chief Credit Officer) $4,038 $0 $0
William Mignone (Treasurer) $1,440 $0 $0
David Steffen (Director) $1,440 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Steven Shear (Director) $0 $0 $0
Stephanie Osterland (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,516,716
Expenses
$19,696,004
Net Income
-$179,288
Net Assets
$34,641,490
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,947,777
81.7%
Investment Income $4,235,600
21.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$666,661
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,414,558
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $5,390,061
27.4%
Assets/Debt
Total Assets $620,353,009
Total Liabilities $585,711,519
Net Assets $34,641,490
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $376,427 $0 $97,671
Ronald Mcfarland (Residential Lending Manager) $227,887 $0 $29,225
Julie Flatt (Evp/Coo) $199,200 $0 $18,615
Sharon Hill (Cfo) $196,695 $0 $29,881
Joseph Matta (Contoller) $164,984 $0 $14,642
Craig Burkhard (Cheif Credit Officer) $147,070 $0 $27,388
Brian Robinson (Svp/Cmo) $129,296 $0 $67,645
Patricia Waddell (It Manager) $126,728 $0 $49,112
Thomas Chestnutt (Director Of Sales) $125,199 $0 $48,525
Mitchell Scott Newberger (Coo) $114,832 $0 $20,759
Carla Gant (Vp Human) $111,881 $0 $45,106
Kenneth H Spence (Secretary) $1,832 $0 $0
David Steffen (Director) $1,700 $0 $0
William Mignone (Director) $1,502 $0 $0
Stephen Shear (Director) $1,360 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,410,782
Expenses
$20,746,977
Net Income
-$336,195
Net Assets
$38,226,976
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,450,955
85.5%
Investment Income $2,959,827
14.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,063,400
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,349,291
25.8%
Assets/Debt
Total Assets $573,102,269
Total Liabilities $534,875,293
Net Assets $38,226,976
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $363,944 $0 $84,345
Sharon Hill (Cfo) $192,940 $0 $34,973
Julie Flatt (Evp/Coo) $185,033 $0 $43,349
Craig Burkhard (Cheif Credit Officer) $130,793 $0 $28,023
Thomas Chestnutt (Director Of Sales) $127,679 $0 $37,201
Patricia Waddell (It Manager) $121,743 $0 $23,746
Joseph Matta (Contoller) $117,744 $0 $17,559
Brian Robinson (Svp/Cmo) $114,429 $0 $55,337
Carla Gant (Vp Human) $106,764 $0 $44,093
William Mignone (Director) $0 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stephen Shear (Director) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0
David Steffen (Director) $0 $0 $0
Kenneth H Spence (Secretary) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,829,219
Expenses
$23,254,955
Net Income
-$425,736
Net Assets
$36,216,179
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,880,075
82.7%
Investment Income $3,658,156
16.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $290,988
1.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,062,615
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,327,305
22.9%
Assets/Debt
Total Assets $495,049,945
Total Liabilities $458,833,766
Net Assets $36,216,179
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $355,487 $0 $82,182
Sharon Hill (Cfo) $187,953 $0 $30,875
Julie Flatt (Evp/Coo) $175,069 $0 $62,221
Craig Burkhard (Cheif Credit Officer) $123,705 $0 $33,132
Thomas Chestnutt (Director Of Sales) $122,399 $0 $33,066
Patricia Waddell (It Manager) $117,291 $0 $55,913
Joseph Matta (Contoller) $112,601 $0 $28,850
Brian Robinson (Svp/Cmo) $112,595 $0 $44,496
Carla Gant (Vp Human) $103,007 $0 $36,172
Stephen Shear (Director) $4,161 $0 $0
Kenneth H Spence (Secretary) $4,101 $0 $0
William Mignone (Director) $3,729 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0
David Steffen (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,071,123
Expenses
$19,952,284
Net Income
$1,118,839
Net Assets
$35,770,530
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,475,858
92.4%
Investment Income $1,595,265
7.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,011,655
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,052,886
25.3%
Assets/Debt
Total Assets $498,115,505
Total Liabilities $462,344,975
Net Assets $35,770,530
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $344,176 $0 $83,844
Sharon Hill (Cfo) $176,671 $0 $29,566
Julie Flatt (Evp/Coo) $167,725 $0 $34,236
Thomas Chestnutt (Director Of Sales) $126,637 $0 $26,236
Craig Burkhard (Cheif Credit Officer) $113,325 $0 $40,059
Patricia Waddell (It Manager) $113,175 $0 $62,161
Brian Robinson (Svp/Cmo) $111,282 $0 $50,682
Joseph Matta (Contoller) $109,759 $0 $44,280
Kenneth H Spence (Secretary) $5,733 $0 $0
David Steffen (Director) $5,611 $0 $0
Stephen Shear (Director) $5,438 $0 $0
W Mignone (Director) $5,271 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0
B Hampel (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,703,924
Expenses
$18,802,642
Net Income
$1,901,282
Net Assets
$35,836,773
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,614,673
94.7%
Investment Income $1,089,251
5.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $955,243
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,211,161
27.7%
Assets/Debt
Total Assets $451,208,582
Total Liabilities $415,371,809
Net Assets $35,836,773
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $351,977 $0 $73,649
Julie Flatt (Evp/Coo) $164,575 $0 $33,829
Sharon Hill (Cfo) $157,206 $0 $18,130
Craig Burkhard (Cheif Credit Officer) $115,883 $0 $31,239
Patricia Waddell (It Manager) $112,444 $0 $61,772
Joseph Matta (Accounting Manager) $105,010 $0 $42,291
Thomas Chestnutt (Director Of Sales) $103,650 $0 $24,671
Brian Robinson (Svp/Cmo) $100,015 $0 $43,511
Stephen Shear (Director) $2,209 $0 $0
David Steffen (Director) $2,192 $0 $0
Kenneth H Spence (Secretary) $2,192 $0 $0
W Mignone (Director) $2,162 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,552,272
Expenses
$22,450,802
Net Income
-$898,530
Net Assets
$33,062,165
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,400,127
94.7%
Investment Income $983,475
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $168,670
0.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $994,647
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,314,988
23.7%
Assets/Debt
Total Assets $439,134,010
Total Liabilities $406,071,845
Net Assets $33,062,165
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $345,932 $0 $93,515
James Parisi (Cfo) $253,598 $0 $43,055
Julie Flatt (Evp/Coo) $155,986 $0 $44,411
Thomas Chestnutt (Director Of Sales) $127,342 $0 $36,836
Patricia Waddell (It Manager) $110,025 $0 $46,902
Craig Burkhard (Chief Credit Officer) $106,815 $0 $8,567
Joseph Matta (Accounting Manager) $101,734 $0 $38,563
Sharon Hill (Cfo) $35,769 $0 $0
W Mignone (Director) $5,946 $0 $0
Kenneth H Spence (Secretary) $5,545 $0 $0
David Steffen (Director) $5,544 $0 $0
Stephen Shear (Director) $5,346 $0 $0
Margaret Spurrier (Chairperson) $0 $0 $0
Stevie Oserland (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,602,757
Expenses
$21,439,453
Net Income
$163,304
Net Assets
$36,325,076
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,732,833
96.0%
Investment Income $868,708
4.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,216
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $955,928
4.5%
Professional Fundraising Fees $0
Other Salaries and Wages $4,998,863
23.3%
Assets/Debt
Total Assets $413,769,774
Total Liabilities $377,444,698
Net Assets $36,325,076
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Board Treasurer) $378,755 $0 $116,563
James Parisi (Cfo) $192,541 $0 $43,088
Julie Flatt (Svp/Coo) $161,281 $0 $43,370
Thomas Chestnutt (Director Of Sales) $122,340 $0 $35,820
Patricia Waddell (It Manager) $116,010 $0 $47,139
Joseph Matta (Accounting Manager) $112,075 $0 $38,383
Carla Gant (Vp Human Resources) $102,191 $0 $27,504
Stevie Oserland (Board Secretary) $5,385 $0 $0
Kenneth H Spence (Assistant Board Secretary) $5,385 $0 $0
Stephen Shear (Director) $4,786 $0 $0
David Kelsey (Chairman) $4,774 $0 $0
Margaret Spurrier (V. Chairperson) $0 $0 $0
David Steffen (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,596,623
Expenses
$19,052,206
Net Income
$2,544,417
Net Assets
$38,095,555
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,324,486
89.5%
Investment Income $1,738,093
8.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $534,044
2.5%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $879,211
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $4,906,997
25.8%
Assets/Debt
Total Assets $390,919,027
Total Liabilities $352,823,472
Net Assets $38,095,555
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Treasurer Of The Board) $348,433 $0 $79,742
James S Parisi (Svp/Cfo) $169,899 $0 $40,558
Julie Flatt (Svp/Coo) $142,793 $0 $84,839
Patricial Waddell (It Manager) $113,233 $0 $42,265
Thomas Chesnutt (Director Of Sales) $112,762 $0 $26,658
Joseph Matta (Accounting Manager) $104,187 $0 $33,999
Carla Gant (Vp Human Resources) $90,568 $0 $23,008
Sherri Ingram (System Analyst Supervisor) $85,850 $0 $14,447
Stephen Shear (Board Director) $3,431 $0 $0
Dave Kelsey (Vice Chairman Of The Board) $3,402 $0 $0
Ken Spense (Board Director) $3,402 $0 $0
Margaret Spurrier (Secretary) $2,712 $0 $0
Ned Hines (Chairman Of The Board) $0 $0 $0
Stevie Osterland (Board Director) $0 $0 $0
William Mignone (Sc Chairman) $0 $0 $0
David Steffen (S. Committee Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,218,687
Expenses
$18,458,706
Net Income
$1,759,981
Net Assets
$35,117,128
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,526,464
86.7%
Investment Income $2,039,563
10.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $134,048
0.7%
Net Fundraising $0
Sales of Assets $59,413
0.3%
Net Inventory Sales $0
Other Revenue $459,199
2.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $901,271
4.9%
Professional Fundraising Fees $0
Other Salaries and Wages $5,254,986
28.5%
Assets/Debt
Total Assets $386,819,806
Total Liabilities $351,702,678
Net Assets $35,117,128
Compensation
Key Employees and Officers Compensation Related Other
Laida E Garcia (Ceo/Treasurer Of The Board) $682,670 $0 $53,755
James S Parisi (Cfo) $146,479 $0 $18,367
Thomas Chesnutt (Director Of Sales) $122,267 $0 $6,299
Julie Flatt (Svp/Coo) $121,107 $0 $16,075
Patricial Waddell (It Manager) $99,519 $0 $14,936
Joseph Matta (Accounting Manager) $91,113 $0 $13,155
Ned Hines (Chairman Of The Board) $0 $0 $0
Dave Kelsey (Vice Chairman Of The Board) $0 $0 $0
Ken Spense (Board Director) $0 $0 $0
Margaret Spurrier (Secretary) $0 $0 $0
Stephen Shear (Board Director) $0 $0 $0
Stevie Osterland (Board Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,565,312
Expenses
$18,274,372
Net Income
$2,290,940
Net Assets
$32,552,465
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,643,074
85.8%
Investment Income $2,146,180
10.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $122,215
0.6%
Net Fundraising $0
Sales of Assets $319,260
1.6%
Net Inventory Sales $0
Other Revenue $334,583
1.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $584,071
3.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,594,844
25.1%
Assets/Debt
Total Assets $384,383,811
Total Liabilities $351,831,346
Net Assets $32,552,465

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,444,276
Expenses
$17,869,711
Net Income
$1,574,565
Net Assets
$32,237,819
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,153,494
88.2%
Investment Income $1,944,249
10.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $3,102
0.0%
Net Inventory Sales $0
Other Revenue $343,431
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $512,627
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $4,075,838
22.8%
Assets/Debt
Total Assets $356,257,822
Total Liabilities $324,020,003
Net Assets $32,237,819

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

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