Powered by CharityEZ

Charity report ready

HARVESTERS CREDIT UNION

We found this organization. Review its mission, finances, leadership, and ways to help below.

Back to search results

This report opened in a new tab, so your results are still waiting for you.

Public IRS 990 nonprofit record

HARVESTERS CREDIT UNION

EIN 59-0650050

What they do

The Credit Unions Mission is to Promote Thrift Among Its Members and Create A Source of Credit for Them At Legitimate Rates of Interest. The Credit Union Serves Members In Escambia, Santa Rosa, Okaloosa, Walton, and Bay Counties In Florida.

Before you give

Should I give to this charity?

Easy charity check
Look at where the money went

Of every $100 spent, about $100.00 was reported for mission work. Use the spending picture below and ask what results that work produced.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2023The report may be old. Ask for a newer one.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders24 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

94.20%of revenue went to mission work100.0% of expenses · Program services
$94.20spent for every $100 of revenueRevenue covered expenses this year.
$14.81in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $415,929 for KEITH GOLDEN (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2023

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

How each $100 of revenue was used

The large number compares each expense with revenue. The smaller number shows its share of total expenses.

Total reported revenue$21,228,779
Mission workProgram services$19,997,11194.20% of revenue100.0% of expenses
ManagementOffice and general costs0.00% of revenue0.0% of expenses
FundraisingAsking for donations0.00% of revenue0.0% of expenses
Revenue left after expensesReported annual surplus$1,231,6685.80% of revenueShown in gray on the chart
Total expenses$19,997,11194.20% of revenue

Gray means reported revenue left after expenses for this filing year. It does not necessarily mean cash sitting in a bank account.

Has the pattern changed?

Colored bars = expense mix: how each year’s expenses were divided. Total expenses vs. revenue shows whether the charity spent less or more than it received. The current filing is first.

YearExpense mixDetails
2023CurrentExpense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 94.20% of revenue
2022Expense mix: 100.0% mission · 0.0% management · 0.0% fundraisingTotal expenses: 87.53% of revenue

Money in and money out

Revenue$21,228,779
Expenses$19,997,111
Annual surplus $1,231,668 Revenue was higher than expenses for this filing year.

Reported spending amounts

Mission work means the Form 990 category called program services. These are reported accounting categories—not an independent measurement of results.

Mission work (program services)$19,997,111 · 100.0% of expenses
See all reported dollar amounts
Revenue$21,228,779
Expenses$19,997,111
Assets$296,117,610
Mission work (program services)$19,997,111
Accounting fees$97,868
People

Leadership and board

Tax year 2023

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
KEITH GOLDENCEO · 40 hrs/week $415,929Base $386,878 · Other $29,051
WILLIAM COXSENIOR VP OF INVESTMENTS & IN · 40 hrs/week $173,224Base $162,350 · Other $10,874
STANLEY BRUCESENIOR VP OF LENDING · 40 hrs/week $171,557Base $170,388 · Other $1,169
BARBARA WARDVP OF LENDING · 40 hrs/week $149,195
MARILYN CLIFTONVP OF MERCHANT INDIRECT BUSIN · 40 hrs/week $148,724
THERESA CLAYVP OF OPERATIONS · 40 hrs/week $141,351
JENNIFER DEBRABANTVP OF FINANCE · 40 hrs/week $140,668
KRISTA ARMSTRONGVP OF INFORMATION THECHNOLOGY · 40 hrs/week $140,252
ROBIN ARNOLDMORTGAGE LOAN OFFICER · 40 hrs/week $138,440
MARK CATHEYSENIOR MORTGAGE UNDERWRITER · 40 hrs/week $118,720
DENISE BURKETTSENIOR VP OF ADMIN · 40 hrs/week $117,661
DUSTIN VAUGHNVP OF RISK MANAGEMENT & COMPL · 40 hrs/week $116,581

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (24)

KEITH GOLDENCEO

WILLIAM COXSENIOR VP OF INVESTMENTS & IN

STANLEY BRUCESENIOR VP OF LENDING

BARBARA WARDVP OF LENDING

MARILYN CLIFTONVP OF MERCHANT INDIRECT BUSIN

THERESA CLAYVP OF OPERATIONS

JENNIFER DEBRABANTVP OF FINANCE

KRISTA ARMSTRONGVP OF INFORMATION THECHNOLOGY

ROBIN ARNOLDMORTGAGE LOAN OFFICER

MARK CATHEYSENIOR MORTGAGE UNDERWRITER

DENISE BURKETTSENIOR VP OF ADMIN

DUSTIN VAUGHNVP OF RISK MANAGEMENT & COMPL

JESSICA HERRINGVP OF MEMBER EXPERIENCE

RANDY JOHNSONVP OF BUSINESS DEVELOPMENT

JOHN WALKERCFO

PAM THOMASDIRECTOR

AMBER HALFACREDIRECTOR

SCOTT POYNTERVICE CHAIRMAN

RYAN SPIKESDIRECTOR

ROBIN COOKCHAIRMAN

RICHARD FOUNTAINDIRECTOR

KEITH THORPEDIRECTOR

DONNA BENGTSONTREASURER

FRED CHANDLERDIRECTOR

About this charity

Location
480 S Highway 29, Cantonment, FL 32533
County
Escambia
In care of
Jennifer Debrabant
Primary officer
Jennifer Debrabant, VP of Finance

How to reach them

Filing and classification

Latest tax year
2023
Tax period began
January 1, 2023
Return type
990
Tax preparer
GRIFFIN AND FURMAN LLC

Thanks for caring! Learning about a charity is a great first step toward giving back.

About this report: Information comes from public nonprofit records and may show the latest filing available.

Close & return to results
Want to go deeper?

Full charity research is waiting at CharityEZ

Explore complete charity searches, information, reports, and research tools.

For Full Charity Searches and Information — Try CharityEZ
Are you this charity?Keep your current needs updated free with CharityEZ.
Post your needs free