State Chartered Credit Unions In Florida

Central Credit Union Of Florida

Pensacola, FL
Tax-exempt since Oct. 1970
EIN: 59-1009534

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Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 tax filing, this nonprofit:

Reported conflict of interest transactions

Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Revenue

$13.3M (2022)

Expenses

$12.3M (2022)

Total Assets

$309M (2022)

Total Liabilities

$282M (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

Revenue

$13,329,944

Expenses

$12,329,524

Net Income

$1,000,420

Net Assets

$26,559,154

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$11,794,478	88.5%
Investment Income	$1,616,756	12.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$81,290
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$332,396	2.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$4,177,883	33.9%

Assets/Debt
Total Assets	$308,952,965
Total Liabilities	$282,393,811
Net Assets	$26,559,154

Reported conflict of interest transactions

Compensation

Key Employees and Officers	Compensation	Related	Other
Lisa Brown (Ceo)	$195,769	$0	$13,491
Kathy Boswell (Vp/Cfo)	$114,527	$0	$7,769
John Keith (Secretary)	$0	$0	$120
John Coe (Vice Chairperson)	$0	$0	$120
Juanita Ashley (Director)	$0	$0	$120
James Danny Gilman (Chairperson)	$0	$0	$120
Stephanie Clapp (Director)	$0	$0	$120
Dustin Daniels (Director)	$0	$0	$120
Tracey Golay (Director)	$0	$0	$120

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990

Filed on Oct. 20, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

XML

Fiscal Year Ending Dec.
2021

Revenue

$10,100,900

Expenses

$9,740,673

Net Income

$360,227

Net Assets

$19,462,600

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$10,243,854	> 100%
Investment Income	$192,726	1.9%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$335,680
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$364,459	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,546,452	36.4%

Assets/Debt
Total Assets	$233,913,304
Total Liabilities	$214,450,704
Net Assets	$19,462,600

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$194,817	$0	$25,685
Kathy Boswell (Vp/Cfo)	$132,162	$0	$11,195
John Keith (Treasurer)	$0	$0	$120
Andrea Krieger (Secretary)	$0	$0	$120
Juanita Ashley (Director)	$0	$0	$120
James Danny Gilman (Chairperson)	$0	$0	$120
John Coe (Vice Chairperson)	$0	$0	$120

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990

Filed on Nov. 9, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

XML

Fiscal Year Ending Dec.
2020

Revenue

$9,741,072

Expenses

$10,102,156

Net Income

-$361,084

Net Assets

$19,157,620

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,301,662	95.5%
Investment Income	$439,410	4.5%
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	$328,669	3.3%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,482,972	34.5%

Assets/Debt
Total Assets	$212,016,760
Total Liabilities	$192,859,140
Net Assets	$19,157,620

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$171,646	$0	$14,520
Kathy Boswell (Vp/Cfo)	$128,337	$0	$14,166
John Keith (Treasurer)	$0	$0	$0
Andrea Krieger (Secretary)	$0	$0	$0
Juanita Ashley (Director)	$0	$0	$0
James Danny Gilman (Chairperson)	$0	$0	$0
John Coe (Vice Chairperson)	$0	$0	$0

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990

Filed on Sept. 16, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

XML

Fiscal Year Ending Dec.
2019

Revenue

$10,615,156

Expenses

$10,230,700

Net Income

$384,456

Net Assets

$19,506,423

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,598,535	90.4%
Investment Income	$1,016,621	9.6%
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	$325,611	3.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,496,386	34.2%

Assets/Debt
Total Assets	$173,040,365
Total Liabilities	$153,533,942
Net Assets	$19,506,423

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$175,124	$0	$11,541
Kathy Boswell (Vp/Cfo)	$125,874	$0	$13,072
John Scott (Secretary)	$0	$0	$0
John Keith (Treasurer)	$0	$0	$0
Andrea Krieger (Chairperson)	$0	$0	$0
Juanita Ashley (Director)	$0	$0	$0
James Danny Gilman (Vice Chairperson)	$0	$0	$0

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990

Filed on Nov. 5, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2018

Revenue

$10,071,254

Expenses

$9,874,374

Net Income

$196,880

Net Assets

$19,099,936

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$9,440,756	93.7%
Investment Income	$674,986	6.7%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$44,488
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$312,278	3.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$3,287,463	33.3%

Assets/Debt
Total Assets	$172,731,684
Total Liabilities	$153,631,748
Net Assets	$19,099,936

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$162,258	$0	$14,100
Kathy Boswell (Vp/Cfo)	$122,500	$0	$13,420
John Scott (Secretary)	$0	$0	$0
John Keith (V. Chairman)	$0	$0	$0
Andrea Krieger (Chairman)	$0	$0	$0
Juanita Ashley (Director)	$0	$0	$0
Ronnie Labrato (Treasurer)	$0	$0	$0
James Danny Gilman (Director)	$0	$0	$0

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990

Filed on Sept. 25, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2017

Revenue

$8,882,009

Expenses

$8,344,571

Net Income

$537,438

Net Assets

$17,710,513

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$8,380,790	94.4%
Investment Income	$501,219	5.6%
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	$309,202	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,908,985	34.9%

Assets/Debt
Total Assets	$153,393,178
Total Liabilities	$135,682,665
Net Assets	$17,710,513

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$164,546	$0	$14,284
Kathy Boswell (Vp/Cfo)	$117,477	$0	$12,895
John Scott (Secretary)	$0	$0	$0
John Keith (V. Chairman)	$0	$0	$0
Andrea Krieger (Chairman)	$0	$0	$0
Juanita Ashley (Director)	$0	$0	$0
Ronnie Labrato (Treasurer)	$0	$0	$0

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990

Filed on Nov. 2, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2016

Revenue

$8,430,224

Expenses

$8,000,316

Net Income

$429,908

Net Assets

$17,174,601

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$8,122,590	96.4%
Investment Income	$0
Bond Proceeds	$370,709	4.4%
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$63,075
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$291,360	3.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$0

Assets/Debt
Total Assets	$150,094,986
Total Liabilities	$132,920,385
Net Assets	$17,174,601

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$155,331	$0	$12,000
Kathy Boswell (Vp/Cfo)	$112,029	$0	$12,000
John Scott (Secretary)	$0	$0	$0
John Keith (Chairman)	$0	$0	$0
Andrea Krieger (V. Chairman)	$0	$0	$0
Juanity Ashley (Director)	$0	$0	$0
Ronnie Labrato (Treasurer)	$0	$0	$0

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990

Filed on Aug. 16, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2015

Revenue

$8,488,315

Expenses

$7,801,868

Net Income

$686,447

Net Assets

$16,668,857

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$8,191,346	96.5%
Investment Income	$369,377	4.4%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$72,408
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$278,332	3.6%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,556,154	32.8%

Assets/Debt
Total Assets	$142,754,657
Total Liabilities	$126,085,800
Net Assets	$16,668,857

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$151,005	$0	$12,227
Kathy Boswell (Vp/Cfo)	$107,619	$0	$7,481
John Scott (Secretary)	$0	$0	$0
John Keith (Chairman)	$0	$0	$0
Andrea Krieger (V. Chairman)	$0	$0	$0
Juanity Ashley (Director)	$0	$0	$0
Ronnie Labrato (Treasurer)	$0	$0	$0

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990

Filed on Aug. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2014

Revenue

$8,074,695

Expenses

$6,963,617

Net Income

$1,111,078

Net Assets

$15,904,993

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$7,883,510	97.6%
Investment Income	$407,250	5.0%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$216,065
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$274,713	3.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,354,184	33.8%

Assets/Debt
Total Assets	$132,386,876
Total Liabilities	$116,481,883
Net Assets	$15,904,993

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$147,051	$0	$10,685
Kathy Boswell (Vp/Cfo)	$105,566	$0	$11,411
John Scott (Secretary)	$0	$0	$0
John Keith (Chairman)	$0	$0	$0
Andrea Krieger (V. Chairman)	$0	$0	$0
Juanita Ashley (Director)	$0	$0	$0
Ronnie Labrato (Treasurer)	$0	$0	$0

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990

Filed on July 29, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2013

Revenue

$7,767,508

Expenses

$7,043,468

Net Income

$724,040

Net Assets

$14,136,788

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$7,381,498	95.0%
Investment Income	$386,010	5.0%
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	$261,961	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,200,076	31.2%

Assets/Debt
Total Assets	$126,260,384
Total Liabilities	$112,123,596
Net Assets	$14,136,788

Compensation

Key Employees and Officers	Compensation	Related	Other
Carolyn Dwelle (Ceo)	$136,990	$0	$11,857
Kathy Boswell (Vp/Cfo)	$101,838	$0	$11,276
John Scott (Chairman)	$0	$0	$0
John Keith (V. Chairman)	$0	$0	$0
Audrey Krieger (Sec/Treasurer)	$0	$0	$0
Juanita Ashley (Audit Committee)	$0	$0	$0
Ronnie Labrato (Director)	$0	$0	$0

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990

Filed on July 14, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2012

Revenue

$7,531,773

Expenses

$6,527,453

Net Income

$1,004,320

Net Assets

$14,260,333

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$7,243,569	96.2%
Investment Income	$312,154	4.1%
Bond Proceeds	$0
Royalties	$0
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$23,950
Net Inventory Sales	$0
Other Revenue	$0

Notable Expenses		Percent of Total Expenses
Executive Compensation	$241,600	3.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,119,497	32.5%

Assets/Debt
Total Assets	$124,462,017
Total Liabilities	$110,201,684
Net Assets	$14,260,333

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Revenue

$7,593,150

Expenses

$6,554,793

Net Income

$1,038,357

Net Assets

$13,273,463

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$7,211,290	95.0%
Investment Income	$381,860	5.0%
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	$231,026	3.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$2,008,978	30.6%

Assets/Debt
Total Assets	$114,704,923
Total Liabilities	$101,431,460
Net Assets	$13,273,463

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

PDF (2 of 2)

Fiscal Year Ending Dec.
2005

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2004

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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.

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The data powering this website is available programmatically, via an API. Read the API documentation »

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated September 24, 2024

State Chartered Credit Unions In Florida

Organization summary

Type of Nonprofit

Details

Summary charts: organization finances over time

Revenue $13.3M (2022)

Expenses $12.3M (2022)

Total Assets $309M (2022)

Total Liabilities $282M (2022)

Tax Filings by Year

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Other

Compensation

Document Links

990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Fiscal Year Ending Dec. 2011

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

Revenue

$13.3M (2022)

Expenses

$12.3M (2022)

Total Assets

$309M (2022)

Total Liabilities

$282M (2022)

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006

Fiscal Year Ending Dec.
2005

Fiscal Year Ending Dec.
2004