Civic Intelligence

Florida Community Financial Services

EIN 35-2467932 • 501(c)6 • Tallahassee, FL

Profile

To unite those businesses licensed under parts ii, iii, and/or iv of chapter 560, florida statutes, that are committed to providing convenient and accessible financial services to the residents of their local communities, at numerous locations and across multiple florida counties, while upholding the highest standards of professionalism and integrity, with the aim of furthering, by all proper and legitimate means, the following objectives: a.to provide information to members that will improve their ability to operate responsibly;b.to increase public recognition of the positive contributions of the industry to the florida economy; c.to represent the interests of its members before the florida legislature and florida regulatory agencies; andd.to foster and promote goodwill among its members.

119 S Monroe St 200Tallahassee, FL 32301-1591

www.fcfsa.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

50th percentile

0.6%

Higher net margin than 50% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

63rd percentile

5.1%

Faster asset growth than 63% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

71st percentile

14%

Faster revenue growth than 71% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Up

$25,073

Up $1,227 (+5.1%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$25,073

Up $1,227 (+5.1%) from 2023

Revenue

Up

$209,300

Up $25,000 (+14%) from 2023

Expenses

Up

$208,073

Up $3,605 (+1.8%) from 2023

Net Income

Up

$1,227

Up $21,395 (+106%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150K$100K$50K$0Assets 2013: $2,096Liabilities 2013: $0Net Assets 2013: $2,0962013Assets 2014: $382Liabilities 2014: $0Net Assets 2014: $3822014Assets 2015: $9,109Liabilities 2015: $0Net Assets 2015: $9,1092015Assets 2016: $44,453Liabilities 2016: $0Net Assets 2016: $44,4532016Assets 2017: $34,890Liabilities 2017: $0Net Assets 2017: $34,8902017Assets 2018: $19,066Liabilities 2018: $0Net Assets 2018: $19,0662018Assets 2019: $101,279Liabilities 2019: $0Net Assets 2019: $101,2792019Assets 2020: $108,153Liabilities 2020: $0Net Assets 2020: $108,1532020Assets 2021: $114,606Liabilities 2021: $0Net Assets 2021: $114,6062021Assets 2022: $69,014Liabilities 2022: $0Net Assets 2022: $69,0142022Assets 2023: $23,846Liabilities 2023: $0Net Assets 2023: $23,8462023Assets 2024: $25,073Liabilities 2024: $0Net Assets 2024: $25,0732024

Highlighted filing

2024

Assets$25,073
Liabilities$0
Net Assets$25,073

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$400K$300K$200K$100K$0-$100KRevenue 2013: $142,500Expenses 2013: $140,404Net Income 2013: $2,0962013Revenue 2014: $272,500Expenses 2014: $274,214Net Income 2014: -$1,7142014Revenue 2015: $280,000Expenses 2015: $271,273Net Income 2015: $8,7272015Revenue 2016: $320,000Expenses 2016: $284,656Net Income 2016: $35,3442016Revenue 2017: $275,000Expenses 2017: $284,563Net Income 2017: -$9,5632017Revenue 2018: $325,000Expenses 2018: $340,824Net Income 2018: -$15,8242018Revenue 2019: $286,192Expenses 2019: $203,979Net Income 2019: $82,2132019Revenue 2020: $209,300Expenses 2020: $202,426Net Income 2020: $6,8742020Revenue 2021: $209,300Expenses 2021: $202,847Net Income 2021: $6,4532021Revenue 2022: $159,300Expenses 2022: $204,892Net Income 2022: -$45,5922022Revenue 2023: $184,300Expenses 2023: $204,468Net Income 2023: -$20,1682023Revenue 2024: $209,300Expenses 2024: $208,073Net Income 2024: $1,2272024

Highlighted filing

2024

Revenue$209,300
Expenses$208,073
Net Income$1,227

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 17, 2025
Return Version
2024v5.2
Gross Receipts
$209,300
Mission and Program Overview

Mission

To unite those businesses licensed under parts ii, iii, and/or iv of chapter 560, florida statutes, that are committed to providing convenient and accessible financial services to the residents of their local communities, at numerous locations and across multiple florida counties, while upholding the highest standards of professionalism and integrity, with the aim of furthering, by all proper and legitimate means, the following objectives: a.to provide information to members that will improve their ability to operate responsibly;b.to increase public recognition of the positive contributions of the industry to the florida economy; c.to represent the interests of its members before the florida legislature and florida regulatory agencies; andd.to foster and promote goodwill among its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$23,846$25,073▲ $1,227
Rtn Earn Endowment Incm Other Fnds$23,846$25,073▲ $1,227
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$23,846$25,073▲ $1,227
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$23,846$25,073▲ $1,227
Total Liabilities and Net Assets / Fund Balance$23,846$25,073▲ $1,227
Compensation and Service Providers

Board Members and Trustees

NameTitle
Ian a MackechniePresident
Ian MackechnieDirector
David SchwarzVP, Secretary, Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$209,300
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$1,227
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$208,073
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Lobbying---$185,988
Fees for Services Other---$12,000
Travel---$5,479
Information Technology---$2,170
Fees for Services Accounting---$1,905
Office Expenses---$531
Total Functional Expenses$0$0$0$208,073
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

Ian mackechnie and ian a. Mackechnie are family members and employed by the same company (amscot corporation).

Form 990, Part VI, Section A, Line 6

Membership in fcfsa is reserved to those business organizations licensed under parts ii, iii, and/or iv of chapter 560, florida statutes, that are committed to the purposes of fcfsa, as specified in the articles of incorporation, and that serve customers in at least fifty (50) locations in florida distributed across two or more florida counties. Fcfsa has only one class of members, and no more than one membership may be held by any one business organization.

Form 990, Part VI, Section A, Line 7A

Each member of fcfsa appoints a number of directors equal to the member's number of votes, as determined by its timely payment of dues according to the dues schedule adopted by the board of directors. Directors must be directors, officers, and/or employees of an organization that is a member of the corporation.

Form 990, Part VI, Section B, Line 11B

990 is reviewed by asst. Treasurer, treasurer, and president.

Form 990, Part VI, Section B, Line 12C

The need for officers and directors to avoid any actual or perceived conflicts of interest in the performance of their fcfsa duties is reviewed annually at an fcfsa board meeting. Questions may be referred to the president or vice-president.

Form 990, Part VI, Section B, Line 15A

The need for officers and directors to avoid any actual or perceived conflicts of interest in the performance of their fcfsa duties is reviewed annually at an fcfsa board meeting. Questions may be referred to the president or vice-president.

Form 990, Part VI, Section C, Line 19

The organization makes these documents available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Florida Community Financial Services
EIN
35-2467932
Phone
8502059000
Address
119 S MONROE ST 200, TALLAHASSEE, FL 32301-1591

Signing Officer

Name
Ian a Mackechnie
Title
President
Phone
8502059000
Signed
2025-07-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ian a Mackechnie
Formed
2013
Legal Domicile
Fl
Voting Board Members
3
Independent Board Members
3
Employees
0
Volunteers
3

Preparer

Firm
Cri Advisors LLC
Address
2633 CENTENNIAL BLVD STE 200, TALLAHASSEE, FL 32308
Preparer
Thomas E Montalbano
Phone
8508788777
Raw XML Appendix261 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivityOrMissionDesc0TO UNITE THOSE BUSINESSES LICENSED UNDER PARTS II, III, AND/OR IV OF CHAPTER 560, FLORIDA STATUTES, THAT ARE COMMITTED TO PROVIDING CONVENIENT AND ACCESSIBLE FINANCIAL SERVICES TO THE RESIDENTS OF THEIR LOCAL COMMUNITIES, AT NUMEROUS LOCATIONS AND ACROSS MULTIPLE FLORIDA COUNTIES, WHILE UPHOLDING THE HIGHEST STANDARDS OF PROFESSIONALISM AND INTEGRITY, WITH THE AIM OF FURTHERING, BY ALL PROPER AND LEGITIMATE MEANS, THE FOLLOWING OBJECTIVES: A.TO PROVIDE INFORMATION TO MEMBERS THAT WILL IMPROVE THEIR ABILITY TO OPERATE RESPONSIBLY;B.TO INCREASE PUBLIC RECOGNITION OF THE POSITIVE CONTRIBUTIONS OF THE INDUSTRY TO THE FLORIDA ECONOMY; C.TO REPRESENT THE INTERESTS OF ITS MEMBERS BEFORE THE FLORIDA LEGISLATURE AND FLORIDA REGULATORY AGENCIES; ANDD.TO FOSTER AND PROMOTE GOODWILL AMONG ITS MEMBERS.
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2VP, SECRETARY, TREASURER
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IRS990/MissionDesc0TO UNITE THOSE BUSINESSES LICENSED UNDER PARTS II, III, AND/OR IV OF CHAPTER 560, FLORIDA STATUTES, THAT ARE COMMITTED TO PROVIDING CONVENIENT AND ACCESSIBLE FINANCIAL SERVICES TO THE RESIDENTS OF THEIR LOCAL COMMUNITIES, AT NUMEROUS LOCATIONS AND ACROSS MULTIPLE FLORIDA COUNTIES, WHILE UPHOLDING THE HIGHEST STANDARDS OF PROFESSIONALISM AND INTEGRITY, WITH THE AIM OF FURTHERING, BY ALL PROPER AND LEGITIMATE MEANS, THE FOLLOWING OBJECTIVES: A.TO PROVIDE INFORMATION TO MEMBERS THAT WILL IMPROVE THEIR ABILITY TO OPERATE RESPONSIBLY;B.TO INCREASE PUBLIC RECOGNITION OF THE POSITIVE CONTRIBUTIONS OF THE INDUSTRY TO THE FLORIDA ECONOMY; C.TO REPRESENT THE INTERESTS OF ITS MEMBERS BEFORE THE FLORIDA LEGISLATURE AND FLORIDA REGULATORY AGENCIES; ANDD.TO FOSTER AND PROMOTE GOODWILL AMONG ITS MEMBERS.
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IRS990/ProgSrvcAccomActy2Grp/Desc0WE SERVED AS A SOURCE OF INFORMATION FOR THE PRODUCTS AND SERVICES OUR MEMBERS OFFER, INCLUDING: SHORT-TERM SMALL-DOLLAR LOANS (ALSO COMMONLY REFERRED TO AS CASH ADVANCES, PAYDAY ADVANCES OR PAYDAY LOANS); CHECK CASHING; MONEY TRANSFER SERVICES, MONEY ORDERS, WALK-IN BILL PAYMENTS, AND PREPAID ACCESS CARDS.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0IAN MACKECHNIE AND IAN A. MACKECHNIE ARE FAMILY MEMBERS AND EMPLOYED BY THE SAME COMPANY (AMSCOT CORPORATION).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERSHIP IN FCFSA IS RESERVED TO THOSE BUSINESS ORGANIZATIONS LICENSED UNDER PARTS II, III, AND/OR IV OF CHAPTER 560, FLORIDA STATUTES, THAT ARE COMMITTED TO THE PURPOSES OF FCFSA, AS SPECIFIED IN THE ARTICLES OF INCORPORATION, AND THAT SERVE CUSTOMERS IN AT LEAST FIFTY (50) LOCATIONS IN FLORIDA DISTRIBUTED ACROSS TWO OR MORE FLORIDA COUNTIES. FCFSA HAS ONLY ONE CLASS OF MEMBERS, AND NO MORE THAN ONE MEMBERSHIP MAY BE HELD BY ANY ONE BUSINESS ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH MEMBER OF FCFSA APPOINTS A NUMBER OF DIRECTORS EQUAL TO THE MEMBER'S NUMBER OF VOTES, AS DETERMINED BY ITS TIMELY PAYMENT OF DUES ACCORDING TO THE DUES SCHEDULE ADOPTED BY THE BOARD OF DIRECTORS. DIRECTORS MUST BE DIRECTORS, OFFICERS, AND/OR EMPLOYEES OF AN ORGANIZATION THAT IS A MEMBER OF THE CORPORATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3990 IS REVIEWED BY ASST. TREASURER, TREASURER, AND PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE NEED FOR OFFICERS AND DIRECTORS TO AVOID ANY ACTUAL OR PERCEIVED CONFLICTS OF INTEREST IN THE PERFORMANCE OF THEIR FCFSA DUTIES IS REVIEWED ANNUALLY AT AN FCFSA BOARD MEETING. QUESTIONS MAY BE REFERRED TO THE PRESIDENT OR VICE-PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE NEED FOR OFFICERS AND DIRECTORS TO AVOID ANY ACTUAL OR PERCEIVED CONFLICTS OF INTEREST IN THE PERFORMANCE OF THEIR FCFSA DUTIES IS REVIEWED ANNUALLY AT AN FCFSA BOARD MEETING. QUESTIONS MAY BE REFERRED TO THE PRESIDENT OR VICE-PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION MAKES THESE DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 2
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08502059000
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FLORIDA COMMUNITY FINANCIAL SERVICES
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0FLOR
ReturnHeader/Filer/EIN0352467932
ReturnHeader/Filer/PhoneNum08502059000
ReturnHeader/Filer/USAddress/AddressLine1Txt0119 S MONROE ST 200
ReturnHeader/Filer/USAddress/CityNm0TALLAHASSEE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0FL
ReturnHeader/Filer/USAddress/ZIPCd0323011591
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0994625061
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CRI ADVISORS LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02633 CENTENNIAL BLVD STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032308
ReturnHeader/PreparerPersonGrp/PhoneNum08508788777
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0THOMAS E MONTALBANO
ReturnHeader/ReturnTs02025-07-29T07:47:21-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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