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Gulf Winds Credit Union

  • Pensacola, FL
  • Tax-exempt since Dec. 2019
  • EIN: 59-6143861

Organization summary

Type of Nonprofit

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

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$63M (2023)

Expenses
$55.4M (2023)

Total Assets
$1.11B (2023)

Total Liabilities
$1.03B (2023)

Source: Form 990 tax filings from 2018 to 2023

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.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$63,015,859
Expenses
$55,442,538
Net Income
$7,573,321
Net Assets
$76,808,953
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $28,936,465
45.9%
Investment Income $15,601,936
24.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$149,526
Net Inventory Sales $0
Other Revenue $18,626,984
29.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,061,551
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $12,947,028
23.4%
Assets/Debt
Total Assets $1,107,021,415
Total Liabilities $1,030,212,462
Net Assets $76,808,953
Compensation
Key Employees and Officers Compensation Related Other
Christopher Rutledge (Ceo) $550,024 $0 $41,060
Kurt Stenerson (Evp Of Digital Innovation) $348,013 $0 $30,326
Ashley Jansky (Evp Member Experience) $326,901 $0 $44,677
Terry Johnson (Evp Of Strategy And Perfo) $326,733 $0 $46,079
Daniel Souers (Ceo) $293,924 $0 $53,814
Jarrell Flanders (Coo) $169,642 $0 $28,845
Clay Mallard (Financial Advisor) $169,537 $0 $40,973
Stephanie Chase (Vp Of Risk Management) $157,680 $0 $33,441
Mitchell Olinsky (Vp Of Technology Operations) $153,688 $0 $20,352
Scott Slattery (Clo) $147,195 $0 $15,844
Rl Oswald Sr (Chairman) $0 $0 $0
A Larry Maltby (Secretary) $0 $0 $0
Donna Luebbers (Treasurer) $0 $0 $0
Gerald Eady (Director) $0 $0 $0
Eric Haines (Director) $0 $0 $0
Shelly Fountain (Director) $0 $0 $0
William Fritchman (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 15, 2024

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

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$51,125,321
Expenses
$42,641,634
Net Income
$8,483,687
Net Assets
$66,264,435
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,459,098
45.9%
Investment Income $11,167,917
21.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$387,963
Net Inventory Sales $0
Other Revenue $16,886,269
33.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,985,766
4.7%
Professional Fundraising Fees $0
Other Salaries and Wages $11,963,321
28.1%
Assets/Debt
Total Assets $1,035,650,446
Total Liabilities $969,386,011
Net Assets $66,264,435
Compensation
Key Employees and Officers Compensation Related Other
Christopher Rutledge (Ceo) $1,045,202 $0 $21,852
Kurt Stenerson (Evp Of Digital Innovation) $236,985 $0 $20,805
Ashley Jansky (Evp Member Experience) $213,905 $0 $23,385
Terry Johnson (Evp Of Strategy And Perfo) $200,346 $0 $25,226
Patrick Wendolek (Svp/Cio) $187,626 $0 $15,863
Joanne Hyatt (Svp Chief Lending Officer) $181,012 $0 $17,048
Mitchell Olinsky (Vp Of Enterprise Application) $151,964 $0 $8,191
Stephanie Chase (Vp Of Risk Management) $147,245 $0 $13,745
Bruce Mcclure (Information Security Officer) $130,123 $0 $7,638
Douglas Sigmon (Vp Of Collections) $123,970 $0 $15,790
William Fritchman (Director) $0 $0 $0
Rl Oswald Sr (Chairman) $0 $0 $0
Gerald Eady (Vice Chairman) $0 $0 $0
Jack Williams (Treasurer) $0 $0 $0
A Larry Maltby (Secretary) $0 $0 $0
Shelly Fountain (Director) $0 $0 $0
Vance Bateman (Director) $0 $0 $0
Chris Brooks (Director) $0 $0 $0
Jim Taylor (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2023

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$45,342,070
Expenses
$39,287,810
Net Income
$6,054,260
Net Assets
$89,247,827
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,681,189
45.6%
Investment Income $8,834,225
19.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$72,739
Net Inventory Sales $0
Other Revenue $15,899,395
35.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,818,331
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $10,729,557
27.3%
Assets/Debt
Total Assets $1,014,783,334
Total Liabilities $925,535,507
Net Assets $89,247,827
Compensation
Key Employees and Officers Compensation Related Other
Christopher Rutledge (Ceo) $886,880 $0 $20,509
Kurt Stenerson (Evp Of Digital Innovation) $238,757 $0 $18,685
Ashley Jansky (Evp Member Experience) $216,908 $0 $21,559
Robert Alft (Former Financial Advisor) $200,608 $0 $6,103
Terry Johnson (Evp Of Strategy And Perfomance) $192,309 $0 $22,160
Marci Watters (Former Financial Advisor) $190,943 $0 $14,170
Joanne Hyatt (Svp Chief Lending Officer) $183,851 $0 $16,714
Patrick Wendolek (Vp Of Enterprise Applications) $169,896 $0 $3,887
Sherry Brock (Mtg Loan Originator) $136,907 $0 $10,892
Stephanie Chase (Vp Of Risk Management) $131,984 $0 $11,407
Johan Boelig (Vp Of Regional Sales) $128,244 $0 $16,440
Lee Ann Allen (Vp Of Regional Sales) $123,250 $0 $8,664
Jarrell Flanders (Vp Of People & Development) $115,286 $0 $3,954
William Fritchman (Director) $0 $0 $0
Nelson Whaley (Board Emeritus) $0 $0 $0
Rl Oswald Sr (Chairman) $0 $0 $0
Fred Houston (Director) $0 $0 $0
Gerald Eady (Director) $0 $0 $0
Jack Williams (2 Nd Vice Chairman) $0 $0 $0
A Larry Maltby (1 St Vice Chairman) $0 $0 $0
Shelly Fountain (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2022

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$41,997,576
Expenses
$39,119,691
Net Income
$2,877,885
Net Assets
$86,982,389
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,666,720
46.8%
Investment Income $8,334,943
19.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $211,234
0.5%
Net Inventory Sales $0
Other Revenue $13,784,679
32.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,711,600
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $10,197,958
26.1%
Assets/Debt
Total Assets $919,701,095
Total Liabilities $832,718,706
Net Assets $86,982,389
Compensation
Key Employees and Officers Compensation Related Other
Christopher Rutledge (Ceo) $813,719 $0 $24,563
Kurt Stenerson (Evp Of Digital Innovation) $226,783 $0 $20,389
Ashley Jansky (Evp Member Experience) $210,360 $0 $20,785
Terry Johnson (Evp Of Strategy And Performance) $184,949 $0 $24,145
Joanne Hyatt (Svp Chief Lending Officer) $166,330 $0 $19,577
Robert Alft (Financial Advisor) $160,081 $0 $10,624
Patrick Wendolek (Vp Of Enterprise Applicati) $138,332 $0 $4,158
Marci Watters (Financial Advisor) $137,828 $0 $18,203
Johan Boeling (Regional Vp) $125,587 $0 $14,564
R L Oswald Sr (Chairman) $0 $0 $0
Fred Houston (1 St Vice Chair) $0 $0 $0
Gerald Eady (2 Nd Vice Chair) $0 $0 $0
Jack Williams (Treasurer) $0 $0 $0
A Larry Maltby (Secretary) $0 $0 $0
Vance Batemena (Director) $0 $0 $0
Chris Brooks (Director) $0 $0 $0
Shelly Fountain (Director) $0 $0 $0
William Fritchman (Director) $0 $0 $0
Jim Taylor (Director) $0 $0 $0
Nelson Whaley (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 12, 2021

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

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$40,811,222
Expenses
$35,457,592
Net Income
$5,353,630
Net Assets
$84,072,492
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,205,210
44.6%
Investment Income $8,385,035
20.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$177,370
Net Inventory Sales $0
Other Revenue $14,398,347
35.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $2,411,667
6.8%
Professional Fundraising Fees $0
Other Salaries and Wages $8,466,752
23.9%
Assets/Debt
Total Assets $719,554,550
Total Liabilities $635,482,058
Net Assets $84,072,492
Compensation
Key Employees and Officers Compensation Related Other
Christopher Rutledge (Ceo) $802,311 $0 $16,728
Kurt Stenerson (Evp Of Digital Innovation) $182,119 $0 $10,421
Dean Davis (Svp Chief Information Offi) $181,906 $0 $12,425
Ashley Jansky (Evp Member Experience) $172,519 $0 $10,787
Joanne Hyatt (Svp Chief Lending Officer) $167,943 $0 $13,414
Robert Alft (Financial Advisor) $154,392 $0 $8,209
Marci Watters (Financial Advisor) $142,237 $0 $10,947
Robert Beargie (Financial Advisor) $129,464 $0 $7,912
Patrick Wendolek (Vp Of Enterprise Applications) $124,318 $0 $3,178
Terry Johnson (Evp Of Strategy And Perfomance) $119,615 $0 $11,746
Johan Boeling (Regional Vp) $118,629 $0 $10,447
R L Oswald Sr (Chairman) $0 $0 $0
Fred Houston (1 St Vice Chair) $0 $0 $0
Gerald Eady (2 Nd Vice Chair) $0 $0 $0
Jack Williams (Treasurer) $0 $0 $0
A Larry Maltby (Secretary) $0 $0 $0
Vance Batemena (Director) $0 $0 $0
Larry Blum (Director) $0 $0 $0
Chris Brooks (Director) $0 $0 $0
Shelly Fountain (Director) $0 $0 $0
William Fritchman (Director) $0 $0 $0
Jim Taylor (Director) $0 $0 $0
Nelson Whaley (Director) $0 $0 $0
+ View more people

Document Links

990
Filed on Nov. 12, 2020

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

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,382,373
Expenses
$6,650,998
Net Income
-$268,625
Net Assets
$76,853,784
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $2,775,265
43.5%
Investment Income $1,157,034
18.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,450,074
38.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $304,860
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,368,290
20.6%
Assets/Debt
Total Assets $659,792,117
Total Liabilities $582,938,333
Net Assets $76,853,784

Document Links

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.

API

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Byline

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