Civic Intelligence

Calhoun-Liberty Credit Union

EIN 59-0991497 • 501(c)14 • Blountstown, FL

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Profile

Credit union - to provide servies to approximately 9,145 members in the form of loans, savings, and other financial services.

16076 State Road 71 SBlountstown, FL 32424-5100

www.clecu.org

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.90x

Higher debt load relative to assets than 52% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

20th percentile

12.48x

Higher debt load relative to revenue than 20% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

47th percentile

11%

Higher net margin than 47% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

99th percentile

30%

Faster asset growth than 99% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

98th percentile

46%

Faster revenue growth than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$172,198,621

Up $12,184,424 (+7.6%) from 2024

Liabilities

Up

$153,878,436

Up $10,428,629 (+7.3%) from 2024

Net Assets

Up

$18,320,185

Up $1,755,795 (+11%) from 2024

Operations
Liabilities / Revenue20th percentileNet Margin47th percentile

Revenue

Up

$12,584,994

Up $1,094,247 (+9.5%) from 2024

Expenses

Up

$10,931,570

Up $651,500 (+6.3%) from 2024

Net Income

Up

$1,653,424

Up $442,747 (+37%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth99th percentile

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

$200M$150M$100M$50M$0Assets 2010: $27,470,577Liabilities 2010: $23,246,506Net Assets 2010: $4,224,0712010Assets 2011: $27,566,879Liabilities 2011: $23,330,791Net Assets 2011: $4,236,0882011Assets 2012: $28,887,534Liabilities 2012: $24,547,298Net Assets 2012: $4,340,2362012Assets 2013: $29,727,145Liabilities 2013: $25,533,980Net Assets 2013: $4,193,1652013Assets 2014: $30,519,019Liabilities 2014: $26,278,415Net Assets 2014: $4,240,6042014Assets 2015: $32,663,178Liabilities 2015: $28,335,799Net Assets 2015: $4,327,3792015Assets 2016: $37,392,946Liabilities 2016: $32,862,459Net Assets 2016: $4,530,4872016Assets 2017: $40,023,769Liabilities 2017: $35,088,317Net Assets 2017: $4,935,4522017Assets 2018: $59,966,708Liabilities 2018: $54,682,561Net Assets 2018: $5,284,1472018Assets 2019: $62,408,141Liabilities 2019: $56,642,454Net Assets 2019: $5,765,6872019Assets 2020: $78,400,640Liabilities 2020: $72,142,136Net Assets 2020: $6,258,5042020Assets 2021: $86,884,903Liabilities 2021: $79,915,511Net Assets 2021: $6,969,3922021Assets 2022: $108,741,379Liabilities 2022: $100,593,584Net Assets 2022: $8,147,7952022Assets 2023: $123,153,567Liabilities 2023: $113,843,841Net Assets 2023: $9,309,7262023Assets 2024: $160,014,197Liabilities 2024: $143,449,807Net Assets 2024: $16,564,3902024Assets 2025: $172,198,621Liabilities 2025: $153,878,436Net Assets 2025: $18,320,1852025

Highlighted filing

2025

Assets$172,198,621
Liabilities$153,878,436
Net Assets$18,320,185
Open 2025 Filing

Operations Trend

Revenue Growth98th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $1,481,5942010Expenses 2011: $1,468,1622011Revenue 2012: $1,392,139Expenses 2012: $1,287,991Net Income 2012: $104,1482012Revenue 2013: $1,258,912Expenses 2013: $1,405,983Net Income 2013: -$147,0712013Revenue 2014: $1,294,934Expenses 2014: $1,247,495Net Income 2014: $47,4392014Revenue 2015: $1,520,728Expenses 2015: $1,433,953Net Income 2015: $86,7752015Revenue 2016: $1,905,841Expenses 2016: $1,702,733Net Income 2016: $203,1082016Revenue 2017: $2,240,697Expenses 2017: $1,835,732Net Income 2017: $404,9652017Revenue 2018: $2,703,574Expenses 2018: $2,354,879Net Income 2018: $348,6952018Revenue 2019: $3,450,769Expenses 2019: $2,969,230Net Income 2019: $481,5392019Revenue 2020: $3,826,141Expenses 2020: $3,333,449Net Income 2020: $492,6922020Revenue 2021: $4,607,880Expenses 2021: $3,896,867Net Income 2021: $711,0132021Revenue 2022: $5,518,385Expenses 2022: $4,295,862Net Income 2022: $1,222,5232022Revenue 2023: $7,862,743Expenses 2023: $6,453,998Net Income 2023: $1,408,7452023Revenue 2024: $11,490,747Expenses 2024: $10,280,070Net Income 2024: $1,210,6772024Revenue 2025: $12,584,994Expenses 2025: $10,931,570Net Income 2025: $1,653,4242025

Highlighted filing

2025

Revenue$12,584,994
Expenses$10,931,570
Net Income$1,653,424
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$172,198,621
Liabilities
$153,878,436
Net assets
$18,320,185
Revenue
$12,584,994
Expenses
$10,931,570
Net income
$1,653,424
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$172$154$18.3$12.6$10.9$1.65
2024Detailed filing. Detailed filing data is available for this year.$160$143$16.6$11.5$10.3$1.21
2023Detailed filing. Detailed filing data is available for this year.$123$114$9.31$7.86$6.45$1.41
2022Detailed filing. Detailed filing data is available for this year.$109$101$8.15$5.52$4.30$1.22
2021Detailed filing. Detailed filing data is available for this year.$86.9$79.9$6.97$4.61$3.90$0.71
2020Detailed filing. Detailed filing data is available for this year.$78.4$72.1$6.26$3.83$3.33$0.49
2019Detailed filing. Detailed filing data is available for this year.$62.4$56.6$5.77$3.45$2.97$0.48
2018Detailed filing. Detailed filing data is available for this year.$60.0$54.7$5.28$2.70$2.35$0.35
2017Detailed filing. Detailed filing data is available for this year.$40.0$35.1$4.94$2.24$1.84$0.40
2016Detailed filing. Detailed filing data is available for this year.$37.4$32.9$4.53$1.91$1.70$0.20
2015Detailed filing. Detailed filing data is available for this year.$32.7$28.3$4.33$1.52$1.43$0.09
2014Detailed filing. Detailed filing data is available for this year.$30.5$26.3$4.24$1.29$1.25$0.05
2013Detailed filing. Detailed filing data is available for this year.$29.7$25.5$4.19$1.26$1.41$0.15
2012Summary only. Only limited summary data is available for this year.$28.9$24.5$4.34$1.39$1.29$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.6$23.3$4.24$1.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.5$23.2$4.22$1.48
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 20, 2026
Return Version
2025v4.0
Gross Receipts
$12,584,994
Mission and Program Overview

Mission

Financial Services to Qualified Members

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$114,826,172$125,502,770▲ $10,676,598
Investments Other Securities$25,187,589$24,486,013▼ $701,576
Rtn Earn Endowment Incm Other Fnds$16,564,390$18,320,185▲ $1,755,795
Cash and Non-Interest-Bearing Accounts$8,293,935$12,953,048▲ $4,659,113
Land, Buildings, and Equipment, Net$4,793,299$4,762,915▼ $30,384
Savings and Temporary Cash Investments$1,570,728$400,000▼ $1,170,728
Prepaid Expenses and Deferred Charges$313,818$313,177▼ $641
Total Assets$160,014,197$172,198,621▲ $12,184,424
Other Assets Total$5,028,656$3,780,698▼ $1,247,958
Liabilities
Other Liabilities$139,440,122$144,690,817▲ $5,250,695
Unsecured Notes Loans Payable-$5,940,000-
Accounts Payable and Accrued Expenses$4,009,685$3,247,619▼ $762,066
Total Liabilities$143,449,807$153,878,436▲ $10,428,629
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,564,390$18,320,185▲ $1,755,795
Total Liabilities and Net Assets / Fund Balance$160,014,197$172,198,621▲ $12,184,424

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,895,028$1,215,781$4,110,809
Equipment$931,409$1,549,615$2,481,024
Land$936,478-$936,478
Other Securities$942,236--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas FlowersCEOFT$240,210$152,902$393,112
Terri WaldonCOOFT$145,537$52,302$197,839
Shelly BurnsCLOFT$134,287$14,802$149,089
JOHNNY O'HARECFOFT$125,577$12,565$138,142

Board Members and Trustees

NameTitle
Annie Jo DawsonBod Chair
Elaine BarberAudit Comm M
Denny GeorgeBod
Justin FordBod
Judy FranklinBod Secretar
Diane LongBod Treas/ac
Danny Hassig JrBod Vice CHA
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,463,706
Investment Income
$1,380,549
Other Revenue
$1,740,739
Change in Net Assets
$1,653,424
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,659,961
Salaries, Compensation, and Employee Benefits$3,271,609
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest-$2,827,904-$2,827,904
Other Salaries and Wages-$2,353,970-$2,353,970
Office Expenses-$1,400,216-$1,400,216
Other Employee Benefits-$463,830-$463,830
Occupancy-$392,237-$392,237
Pension Plan Contributions-$281,389-$281,389
Other Expenses-$261,732-$261,732
All Other Expenses-$209,794-$209,794
Payroll Taxes-$172,420-$172,420
Conferences and Meetings-$110,447-$110,447
Total Functional Expenses$0$10,931,570$0$10,931,570
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
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares$65,656,509
Regular Drafts$49,343,175
Share Drafts$27,696,133
Nonmember Deposits$1,995,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directros each year at the annual meeting.”

Form 990, Page 6, Part VI, Line 7B

“Some decisins made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 15A

“The cfo presents cuna salary survery data to the board of directors, and then the board of directors approves salary.”

Form 990, Page 6, Part VI, Line 15B

“The cfo presents cuna salary survery data to the board of directors, and then the board of directors approves salary.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Calhoun-liberty Credit Union
EIN
59-0991497
Phone
8506744527
Address
16076 STATE ROAD 71 S, BLOUNTSTOWN, FL 32424-5100

Signing Officer

Name
Thomas Flowers
Title
CEO
Phone
8506744527
Signed
2026-03-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas Flowers
Formed
1957
Legal Domicile
Fl
Voting Board Members
7
Independent Board Members
7
Employees
41
Volunteers
8

Preparer

Firm
Credit Union Audit Group
Address
1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Marcus King
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Part XI, Line 9

“Equity from merger 0 diff in equity - merger 0 other adj 0”

Raw XML AppendixShowing 400 of 411 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.

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IRS990/OtherAssetsTotalGrp/EOYAmt03780698
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IRS990/OtherLiabilitiesGrp/EOYAmt0144690817
IRS990/OtherOrganizationDsc0CREDIT UNION
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IRS990/OtherRevenueMiscGrp/BusinessCd2525990
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IRS990/OtherRevenueMiscGrp/Desc1OTHER NON-INT INCOME/EXP
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0313177
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IRS990/PYOtherExpensesAmt07590824
IRS990/PYOtherRevenueAmt01702767
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01215781
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04110809
IRS990ScheduleD/EquipmentGrp/BookValueAmt0931409
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01549615
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02481024
IRS990ScheduleD/LandGrp/BookValueAmt0936478
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0936478
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt149343175
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt227696133
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31995000
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3NONMEMBER DEPOSITS
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1942236
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PAID-IN CAPITAL
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IRS990ScheduleD/TotalBookValueSecuritiesAmt024486013
IRS990ScheduleD/TotalLiabilityAmt0144690817
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1145537
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount073707
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount120000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt079195
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt132302
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THOMAS FLOWERS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TERRI WALDON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTROS EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISINS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CFO PRESENTS CUNA SALARY SURVERY DATA TO THE BOARD OF DIRECTORS, AND THEN THE BOARD OF DIRECTORS APPROVES SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CFO PRESENTS CUNA SALARY SURVERY DATA TO THE BOARD OF DIRECTORS, AND THEN THE BOARD OF DIRECTORS APPROVES SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8EQUITY FROM MERGER 0 DIFF IN EQUITY - MERGER 0 OTHER ADJ 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt0172198621
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt010931570
IRS990/TotalGrossUBIAmt0144018
IRS990/TotalLiabilitiesBOYAmt0143449807
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt018320185
IRS990/TotalOtherCompensationAmt0138864
IRS990/TotalProgramServiceExpensesAmt010931570
IRS990/TotalProgramServiceRevenueAmt09463706
IRS990/TotalReportableCompFromOrgAmt0739318
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt012440976
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt012584994
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0144018
IRS990/TotalVolunteersCnt08
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IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt05940000
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt016076 FLORIDA 71
IRS990/USAddress/CityNm0BLOUNTSTOWN
IRS990/USAddress/StateAbbreviationCd0FL
IRS990/USAddress/ZIPCd032424
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CLECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS FLOWERS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08506744527
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CALHOUN-LIBERTY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CALH
ReturnHeader/Filer/EIN0590991497
ReturnHeader/Filer/PhoneNum08506744527
ReturnHeader/Filer/USAddress/AddressLine1Txt016076 STATE ROAD 71 S
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CREDIT UNION AUDIT GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01709 HERMITAGE BLVD SUITE 200

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