Nonprofit · EIN 59-0690964
HELLO CREDIT UNION
Tax-exempt · PANAMA CITY, FL 32405
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $9,964,143 | $9,299,864 | $664,279 | $163,318,016 | $142,348,271 | $20,969,745 |
| December 31, 2023 | 990 | $8,646,304 | $7,946,914 | $699,390 | $167,506,584 | $148,080,088 | $19,426,496 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $799,700
- of which government grants
- $799,700
- Program service revenue
- $6,504,599
- Investment income
- $763,377
- Other revenue
- $1,896,467
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $435,912
- Other salaries and wages
- $1,952,689
- Salaries, compensation and benefits (total)
- $2,665,256
- Professional fundraising fees
- $0
- Legal fees
- $96,460
- Accounting fees
- $99,933
- Occupancy
- $177,075
- Travel
- $8,928
- Depreciation
- $712,181
Balance sheet and other
- Total assets, start of year
- $167,506,584
- Total assets, end of year
- $163,318,016
- Total liabilities, end of year
- $142,348,271
- Net assets, end of year
- $20,969,745
- Land, buildings and equipment
- $5,697,577
- Gross unrelated business income
- $8,088
- Gross receipts
- $9,964,143
- Employees
- 62
- Volunteers
- 11
- Year formed
- 1952
- State of legal domicile
- FL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MICHAEL AKERS | PRESIDENT/CEO Officer | 40 | $214,227 | $30,093 |
| STEFANIA JONES | VP/CFO Officer | 40 | $174,234 | $17,360 |
| THOMAS JAMES | VICE-CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| RICHARD MAXWELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RAY GEIGER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LANCE RODAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| KELLI GARRETT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JIM MANN | SECRETARY Trustee or director | 1 | $0 | $0 |
| GARY D BLISS | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| FORREST WATSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ERIC SESPICO | TREASURER Trustee or director | 1 | $0 | $0 |
| CHARLES ATKINS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| AMY TOPOL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MICHAEL AKERS | PRESIDENT/CEO Officer | 40 | $202,826 | $25,175 |
| STEFANIA JONES | VP/CFO Officer | 40 | $144,072 | $13,612 |
| GARY D BLISS | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| RICHARD MAXWELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JIM MANN | SECRETARY Trustee or director | 1 | $0 | $0 |
| CHARLES ATKINS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| DALLAS SHAW | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| KELLI GARRETT | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| THOMAS JAMES | VICE-CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| AMY TOPOL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ERIC SESPICO | TREASURER Trustee or director | 1 | $0 | $0 |
| FORREST WATSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| RAY GEIGER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LANCE RODAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 601 H HWY 231, PANAMA CITY, FL 32405-0000
- In care of
- % MICHAEL AKERS
- Principal officer (990 for 2024)
- MIKE AKERS, 601 HIGHWAY 231, PANAMA CITY, FL 32405
- Signed the 990
- MIKE AKERS, PRESIDENT/CEO
- Phone
- (850) 785-6103
- Website
- WWW.HELLO.COM
- Return prepared by
- WARREN AVERETT LLC
Mission
TO PROVIDE RESIDENTS OF BAY COUNTY WITH FINANCIAL AND DEPOSITORY SERVICES.
Program accomplishments
- CREDIT UNION PROGRAMS: THE CREDIT UNION PROVIDES A VEHICLE FOR SAVING IN THE FORM OF REGULAR SAVINGS ACCOUNTS, CERTIFICATES OF DEPOSIT, ETC.
- CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOANS IN THE FORM OF VISA CREDIT CARDS, MORTGAGES, LINES OF CREDIT AND CONSUMER LOANS.
- CREDIT UNION PROGRAM: THE CREDIT UNION PROVIDES LOW COST SERVICES SUCH AS SAFE DEPOSIT BOXES, CHECKING, OVERDRAFT PROTECTION, BILL PAY AND WIRE TRANSFER.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 59-0690964
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1972
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2106: STATE CHARTER CREDIT UNIONS IN FLORIDA GROUP RETURN
- Assets (IRS master file)
- $163,318,016
- Income (IRS master file)
- $9,964,143
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $9,964,143 | $9,299,864 | $163,318,016 | XML |
| 990 | December 2023 | $8,646,304 | $7,946,914 | $167,506,584 | XML |
| 990 | December 2022 | $7,848,025 | $6,042,145 | $168,547,425 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 59-0690964).
Questions about HELLO CREDIT UNION
- What is the EIN of HELLO CREDIT UNION?
- The employer identification number (EIN) of HELLO CREDIT UNION is 59-0690964.
- Is HELLO CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1972.
- Are donations to HELLO CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does HELLO CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of HELLO CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did HELLO CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of HELLO CREDIT UNION?
- The 990 for the year ended December 31, 2024 names MIKE AKERS.
- Who are the officers and directors of HELLO CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 13 people; 2 received compensation from the organization, the highest $214,227 (MICHAEL AKERS, PRESIDENT/CEO).
- How much revenue does HELLO CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $9,964,143, expenses of $9,299,864 and total assets of $163,318,016 at year end.
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