Harvesters Credit Union

Cite this

Plain text Harvesters Credit Union. furp.org, nonprofit organization profile, tax years 2021–2023. https://furp.org/org/harvesters-credit-union-590650050. Retrieved 2026-10-28.

APA furp.org. (n.d.). Harvesters Credit Union [Nonprofit organization profile; tax years 2021–2023]. Retrieved October 28, 2026, from https://furp.org/org/harvesters-credit-union-590650050

MLA “Harvesters Credit Union.” furp.org, tax years 2021–2023, https://furp.org/org/harvesters-credit-union-590650050. Accessed 28 Oct. 2026.

Retrieved 2026-10-28; covers tax years 2021–2023. Data: furp.org, CC BY 4.0.

2023 · Form 990 · revenue $21.2M · expenses $20.0M · assets $296.1M

EIN
59-0650050
Address
480 S Highway 29, Cantonment, FL 32533
NTEE code
-
Exempt type
-
Ruling date
-
Cross-check
ProPublica Nonprofit Explorer

Mission

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.

Each tax year counts once: when a return was amended, only the latest return for that period is used below (superseded returns stay listed, greyed, under Finances).

People paid by the organization

23 people paid across every filing: current people first, then by total pay from this organization. Organizations counts every nonprofit each person appears on.

NameLatest titleYearsLatest year payTotal pay from hereOrganizations
Keith Golden CEO2021-2023 $415,929$1,134,324 1
Stanley Bruce Senior VP of Lending2021-2023 $171,557$526,533 1
William Cox Senior VP of Investments & In2021-2023 $173,224$524,318 1
Robin Arnold Mortgage Loan Officer2021-2023 $138,440$453,904 1
Jennifer Debrabant VP of Finance2021-2023 $140,668$408,965 1
Barbara Ward VP of Lending2021-2023 $149,195$406,945 1
Marilyn Clifton VP of Merchant Indirect Busin2021-2023 $148,724$404,289 1
Krista Armstrong VP of Information Thechnology2021-2023 $140,252$403,769 1
Theresa Clay VP of Operations2021-2023 $141,351$402,223 1
Mark Cathey Senior Mortgage Underwriter2021-2023 $118,720$359,484 1
Jessica Herring VP of Member Experience2022-2023 $109,440$240,526 1
Randy Johnson VP of Business Development2022-2023 $107,128$232,632 1
Denise Burkett Senior VP of Admin2023 $117,661$117,661 1
Dustin Vaughn VP of Risk Management & Compl2023 $116,581$116,581 1
John Walker CFO2023 $81,088$81,088 1
Nancy Connelly (former) Mortgage Loan Officer2021-2022 $210,820$494,700 1
Clayton Smith (former) VP of Business Development2021-2022 $150,053$296,338 1
Theresa Cook (former) Senior VP of Admin2021-2022 $113,050$282,639 1
William Stark (former) SENIOR VP OF OPERATIONS2021 $266,549$266,549 1
Daniel Kenan (former) VP of Risk Management & Compl2021-2022 $128,685$248,423 1
Jessica Wachob (former) VP OF MEMBER EXPERIENCE2021 $121,775$121,775 1
Douglas Davis (former) COMMERCIAL LOAN OFFICER2021 $109,769$109,769 1
Denise Burket (former) AVP OF ADMINISTRATION2021 $44,130$44,130 1

Officers and directors, no compensation reported

13 people listed on the returns with $0 (or no amount) in every compensation column: current people first. Hours are as filed on the latest return each person appears on.

NameLatest titleYearsHrs/wk (latest)CompensationOrganizations
Pam Thomas Director2021-2023 0 $0 reported 1
Ryan Spikes Director2023 0 $0 reported 1
Keith Thorpe Director2023 0 $0 reported 1
Amber Halfacre Director2021-2023 0 $0 reported 1
Richard Fountain Director2022-2023 0 $0 reported 1
Robin Cook Chairman2021-2023 0 $0 reported 1
Scott Poynter Vice Chairman2021-2023 0 $0 reported 1
Donna Bengtson Treasurer2021-2023 0 $0 reported 1
Fred Chandler Director2021-2023 0 $0 reported 1
Dallas Holland (former) Director2021-2022 0 $0 reported 1
John Yerg (former) Secretary2022 0 $0 reported 1
John Yerg Jr (former) SECRETARY OF THE BOARD2021 0 $0 reported 1
Sarah Colley (former) DIRECTOR OF THE BOARD2021 0 $0 reported 1

People by year

2023 · 24 people listed · 15 paid, $2.3M · 116 employees · 12 volunteers
NameTitleHrs/wkFrom orgFrom relatedOtherTotalOrgs
Keith Golden CEO40 $386,878$0$29,051 $415,9291
William Cox Senior VP of Investments & In40 $162,350$0$10,874 $173,2241
Stanley Bruce Senior VP of Lending40 $170,388$0$1,169 $171,5571
Barbara Ward VP of Lending40 $149,195$0$0 $149,1951
Marilyn Clifton VP of Merchant Indirect Busin40 $148,724$0$0 $148,7241
Theresa Clay VP of Operations40 $141,351$0$0 $141,3511
Jennifer Debrabant VP of Finance40 $140,668$0$0 $140,6681
Krista Armstrong VP of Information Thechnology40 $140,252$0$0 $140,2521
Robin Arnold Mortgage Loan Officer40 $138,440$0$0 $138,4401
Mark Cathey Senior Mortgage Underwriter40 $118,720$0$0 $118,7201
Denise Burkett Senior VP of Admin40 $117,661$0$0 $117,6611
Dustin Vaughn VP of Risk Management & Compl40 $116,581$0$0 $116,5811
Jessica Herring VP of Member Experience40 $109,440$0$0 $109,4401
Randy Johnson VP of Business Development40 $107,128$0$0 $107,1281
John Walker CFO40 $81,088$0$0 $81,0881
Pam Thomas Director0 $0$0$0 $01
Ryan Spikes Director0 $0$0$0 $01
Keith Thorpe Director0 $0$0$0 $01
Amber Halfacre Director0 $0$0$0 $01
Richard Fountain Director0 $0$0$0 $01
Robin Cook Chairman0 $0$0$0 $01
Scott Poynter Vice Chairman0 $0$0$0 $01
Donna Bengtson Treasurer0 $0$0$0 $01
Fred Chandler Director0 $0$0$0 $01
2022 · 25 people listed · 16 paid, $2.5M · 113 employees · 13 volunteers
NameTitleHrs/wkFrom orgFrom relatedOtherTotalOrgs
Keith Golden CEO40 $363,956$0$0 $363,9561
Nancy Connelly Mortgage Loan Officer40 $210,428$0$392 $210,8201
Stanley Bruce Senior VP of Lending40 $182,445$0$341 $182,7861
William Cox Senior VP of Investments & In40 $163,519$0$14,724 $178,2431
Clayton Smith VP of Business Development40 $150,053$0$0 $150,0531
Robin Arnold Mortgage Loan Officer40 $146,264$0$0 $146,2641
Barbara Ward VP of Lending40 $143,173$0$0 $143,1731
Jennifer Debrabant VP of Finance40 $142,854$0$0 $142,8541
Marilyn Clifton VP of Merchant Indirect Busin40 $140,638$0$0 $140,6381
Krista Armstrong VP of Information Thechnology40 $135,917$0$0 $135,9171
Theresa Clay VP of Operations40 $135,078$0$0 $135,0781
Jessica Herring VP of Member Experience40 $131,086$0$0 $131,0861
Daniel Kenan VP of Risk Management & Compl40 $128,685$0$0 $128,6851
Randy Johnson Business Development Manager40 $125,504$0$0 $125,5041
Mark Cathey Senior Mortgage Underwriter40 $117,241$0$0 $117,2411
Theresa Cook Senior VP of Admin40 $113,050$0$0 $113,0501
Fred Chandler Director0 $0$0$0 $01
Amber Halfacre Director0 $0$0$0 $01
Pam Thomas Director0 $0$0$0 $01
Donna Bengtson Treasurer0 $0$0$0 $01
Richard Fountain Director0 $0$0$0 $01
Robin Cook Vice Chair0 $0$0$0 $01
Scott Poynter Chairman0 $0$0$0 $01
Dallas Holland Director0 $0$0$0 $01
John Yerg Secretary0 $0$0$0 $01
2021 · 27 people listed · 18 paid, $2.9M · 113 employees · 13 volunteers
NameTitleHrs/wkFrom orgFrom relatedOtherTotalOrgs
KEITH GOLDEN CEO40 $309,700$0$44,739 $354,4391
NANCY CONNELLY MORTGAGE LOAN OFFICER40 $273,007$0$10,873 $283,8801
WILLIAM STARK SENIOR VP OF OPERATIONS40 $243,282$0$23,267 $266,5491
WILLIAM COX SENIOR VP OF INVESTMENTS, INSURANCE & RESIDENTIAL40 $155,097$0$17,754 $172,8511
STANLEY BRUCE SENIOR VP OF LENDING40 $163,683$0$8,507 $172,1901
THERESA COOK SENIOR VP OF ADMINISTRATION40 $151,746$0$17,843 $169,5891
ROBIN ARNOLD MORTGAGE LOAN OFFICER40 $153,441$0$15,759 $169,2001
CLAYTON SMITH VP OF BUSINESS DEVELOPMENT40 $138,464$0$7,821 $146,2851
KRISTA ARMSTRONG VP OF INFORMATION TECHNOLOGY40 $112,001$0$15,599 $127,6001
THERESA CLAY VP OF OPERATIONS40 $109,926$0$15,868 $125,7941
JENNIFER DEBRABANT VP OF FINANCE40 $111,388$0$14,055 $125,4431
MARK CATHEY MOTGAGE LOAN UNDERWRITER40 $117,658$0$5,865 $123,5231
JESSICA WACHOB VP OF MEMBER EXPERIENCE40 $106,089$0$15,686 $121,7751
DANIEL KENAN VP OF RISK MANAGEMENT & COMPLIANCE40 $112,745$0$6,993 $119,7381
MARILYN CLIFTON VP OF MERCHANT INDIRECT BUSINESS DEVELOPMENT40 $101,540$0$13,387 $114,9271
BARBARA WARD VP OF LENDING40 $101,284$0$13,293 $114,5771
DOUGLAS DAVIS COMMERCIAL LOAN OFFICER40 $105,059$0$4,710 $109,7691
DENISE BURKET AVP OF ADMINISTRATION40 $32,066$0$12,064 $44,1301
SCOTT POYNTER CHAIRMAN OF THE BOARD0 $0$0$0 $01
ROBIN COOK VICE CHAIRMAN OF THE BOARD0 $0$0$0 $01
JOHN YERG JR SECRETARY OF THE BOARD0 $0$0$0 $01
DALLAS HOLLAND DIRECTOR OF THE BOARD0 $0$0$0 $01
PAM THOMAS DIRECTOR OF THE BOARD0 $0$0$0 $01
DONNA BENGTSON TREASURER OF THE BOARD0 $0$0$0 $01
FRED CHANDLER DIRECTOR OF THE BOARD0 $0$0$0 $01
SARAH COLLEY DIRECTOR OF THE BOARD0 $0$0$0 $01
AMBER HALFACRE DIRECTOR OF THE BOARD0 $0$0$0 $01

Highest-paid independent contractors

2023 · 5 contractors · $1.7M
NameLocationServicePaid
Florida BlueDallas, TXMedical & Dental I$482,819
Q2 SoftwareDallas, TXMobile App Platfor$463,507
Jack Henry AssociatesMonett, MOData Processing$389,271
Business Data IncInglewood, CAStatement Processi$216,290
SMP ArchitecturePensacola, FLDesign Development$195,490
2022 · 5 contractors · $1.8M
NameLocationServicePaid
Florida BlueDallas, TXMedical & Dental I$486,089
Jack Henry AssociatesMonett, MOData Processing$419,988
Absolute Financial ServicesOdessa, FLATM Purchases$379,899
Q2 SoftwareDallas, TXMobile App Platfor$371,503
Business Data IncInglewood, CAStatement Processi$167,965
2021 · 4 contractors · $846K
NameLocationServicePaid
JACK HENRY & ASSOCIATESMONETT, MODATA PROCESSING$407,118
Q2 SOFTWAREDALLAS, TXMOBILE APP PLATFORM$193,520
DOXIMMADISON HEIGHTS, MISTATEMENT PROCESSING$144,354
KASASAAUSTIN, TXMONTHLY LICENSING$100,531

Who gave

Contributor names are not public for this form type.

Public charities filing Form 990 or 990-EZ report large donors on Schedule B, but the IRS withholds their names and addresses from public copies. Private foundations (990-PF) are different: their contributors are public.

Finances

Newest first. Each filing: its name on one row, its figures on the row beneath. Greyed filings are superseded by a later return for the same period and are left out everywhere else on this page.

RevenueExpensesAssetsNet assetsContributionsProgram revenueOfficer payEmployeesVolunteers
2023 · Form 990 period ending 2023-12-31 · view filing · original 990 ↗
$21,228,779$19,997,111 $296,117,610$18,581,587 $0$14,465,474 $1,971,70511612
2022 · Form 990 period ending 2022-12-31 · view filing · original 990 ↗
$18,391,549$16,098,490 $307,199,690$18,050,611 $0$12,005,329 $2,391,33711313
2021 · Form 990 period ending 2021-12-31 · view filing · original 990 ↗
$8,940,116$8,467,948 $260,289,756$16,315,109 $0$5,293,341 $1,583,43411313

Funders of this organization

Not reported: no grants to this organization appear in the filings we have (tax years 2010 to 2025).

Similar organizations

Ranked without any AI: same NTEE code first, then the same NTEE group; then revenue within 2x, 5x or 10x; then the same state; then similar name and mission text. Same state only

OrganizationStateNTEELatest revenueLatest expensesTop-paid titleTop payWhy similar
HAR-CO CREDIT UNIONMDNot reported $13,335,704$11,641,525 PRESIDENT/CEO$385,255 Similar name, revenue within 2x
INVESTEX CREDIT UNIONTXNot reported $13,746,430$13,094,159 CEO/President$511,574 Similar name, revenue within 2x
HarborOne Credit UnionMANot reported $38,323,594$35,360,508 CEO$1,419,461 Similar name, revenue within 2x
AVESTAR CREDIT UNIONWINot reported $4,499,873$4,197,030 PRESIDENT$138,737 Similar name, revenue within 5x
LEADERS CREDIT UNIONTNW61 $93,333,162$77,538,876 Manager/CEO$1,013,164 Similar name, revenue within 5x
WORCESTER CREDIT UNIONMANot reported $4,756,527$4,143,677 OUTGOING PRESIDENT/CEO$141,378 Similar name, revenue within 5x
MEMBERS CREDIT UNIONTXNot reported $6,561,648$5,493,852 CEO/PRESIDENT$227,313 Similar name, revenue within 5x
CREDIT UNION 1ILNot reported $107,315,887$103,205,283 CEO/PRESIDENT/DIRECTOR$907,650 Similar name, revenue within 10x
CREDIT UNION 1AKNot reported $109,427,043$93,673,606 PRESIDENT/CEO$692,381 Similar name, revenue within 10x
HTM CREDIT UNIONMANot reported $1,238,472$1,130,259 CEO$118,037 Similar name, revenue differs more than 10x
HARBOR CREDIT UNIONWINot reported $2,082,317$2,369,536 PRES & BOD S$258,185 Similar name, revenue differs more than 10x
TEAMSTERS CREDIT UNIONMNNot reported $827,621$867,068 PRESIDENT$108,737 Similar name, revenue differs more than 10x
FARMERS CREDIT UNIONKSNot reported $208,094$187,861 CHAIRMAN$0 Similar name, revenue differs more than 10x
CREDIT UNION CHARTEREDMINot reported $304,501$344,434 Manager$68,278 Similar name, revenue differs more than 10x
CS CREDIT UNIONNCNot reported $1,541,044$1,336,406 MANAGING OFFICER$139,834 Similar name, revenue differs more than 10x
H-F CREDIT UNIONILNot reported $1,176,511$1,480,955 PRESIDENT$97,774 Similar name, revenue differs more than 10x

Who funds organizations like this

Not reported: none of these organizations has foundation or DAF-sponsor grants in the filings we have.

The full list · all similar organizations

Where the money went

Every expense line on each return, biggest first: Form 990 Part IX (with its program, management and fundraising columns), 990-EZ Part I, or 990-PF Part I. Event marks lines the organization itself describes as events. “Events” in each summary adds those lines, conferences and meetings, and the direct costs of fundraising events. Unusual is not the same as improper. Many of these patterns have ordinary explanations. Check the filing.

2023 · Form 990 · $19,997,111 spent · pay $7,650,613 · grants $0 · events $7,075
LineAs describedTotalProgramManagementFundraisingShare
All other expenses $6,363,058--- 31.8%
Other salaries and wages $4,026,619--- 20.1%
Interest $2,914,014--- 14.6%
Pay: officers, directors, trustees, key employees $1,971,705--- 9.9%
Other (as described)Repairs & Maintenance $956,573$956,573-- 4.8%
Pension plan contributions $659,263--- 3.3%
Depreciation and depletion $608,375--- 3.0%
Other employee benefits $560,591--- 2.8%
Payroll taxes $432,435--- 2.2%
Occupancy $275,681--- 1.4%
Advertising and promotion $221,573--- 1.1%
Other (as described)Operations Expense $196,011$196,011-- 1.0%
Office expenses $187,554--- 0.9%
Insurance $184,808--- 0.9%
Fees: legal $125,744--- 0.6%
Travel $122,464--- 0.6%
Fees: accounting $97,868--- 0.5%
Other (as described)Dues & Subscriptions $46,779$46,779-- 0.2%
Other (as described)Training $38,921$38,921-- 0.2%
Conferences, conventions and meetings $7,075--- 0.0%
Total$19,997,111100%

View the filing

2022 · Form 990 · $16,098,490 spent · pay $7,521,337 · grants $0 · events $10,561
LineAs describedTotalProgramManagementFundraisingShare
All other expenses $5,174,176$5,174,176-- 32.1%
Other salaries and wages $3,513,938$3,513,938-- 21.8%
Pay: officers, directors, trustees, key employees $2,391,337$2,391,337-- 14.9%
Interest $850,351$850,351-- 5.3%
Other (as described)Repairs & Maintenance $632,590$632,590-- 3.9%
Pension plan contributions $628,988$628,988-- 3.9%
Depreciation and depletion $557,708$557,708-- 3.5%
Other employee benefits $556,746$556,746-- 3.5%
Payroll taxes $430,328$430,328-- 2.7%
Occupancy $261,305$261,305-- 1.6%
Office expenses $199,607$199,607-- 1.2%
Advertising and promotion $186,008$186,008-- 1.2%
Insurance $174,873$174,873-- 1.1%
Fees: legal $154,549$154,549-- 1.0%
Other (as described)Operations Expense $126,190$126,190-- 0.8%
Travel $109,111$109,111-- 0.7%
Fees: accounting $52,409$52,409-- 0.3%
Other (as described)Training $50,648$50,648-- 0.3%
Other (as described)Dues & Subscriptions $37,067$37,067-- 0.2%
Conferences, conventions and meetings $10,561$10,561-- 0.1%
Total$16,098,490100%

View the filing

2021 · Form 990 · $8,467,948 spent · pay $4,685,026 · grants $0 · events $14,896
LineAs describedTotalProgramManagementFundraisingShare
Other salaries and wages $2,393,518--- 28.3%
Pay: officers, directors, trustees, key employees $1,583,434--- 18.7%
Office expenses $481,448--- 5.7%
Other (as described)ATM AND DEBIT CARD EXPE $469,809--- 5.5%
Other (as described)OUTSIDE SERVICES $408,451--- 4.8%
Interest $406,546--- 4.8%
Other (as described)LOAN SERVICING $387,230--- 4.6%
All other expenses $345,687--- 4.1%
Depreciation and depletion $341,978--- 4.0%
Payroll taxes $262,693--- 3.1%
Other employee benefits $262,591--- 3.1%
Occupancy $252,649--- 3.0%
Information technology $244,618--- 2.9%
Pension plan contributions $182,790--- 2.2%
Other (as described)CHARGE-OFFS $142,068--- 1.7%
Advertising and promotion $96,452--- 1.1%
Insurance $85,715--- 1.0%
Travel $43,963--- 0.5%
Fees: accounting $39,532--- 0.5%
Fees: legal $21,880--- 0.3%
Conferences, conventions and meetings $14,896--- 0.2%
Total$8,467,948100%

View the filing

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