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We Florida Financial

Grantmaker Pembroke Pines, FL EIN: 59-0709646 Website

The credit union's mission is to promote thrift among its members and create a source of credit for them at reasonable rates of interest. The credit union serves members in 46 counties in Florida. The total number of members is iin excess of 44,200.

Key facts about We Florida Financial

EIN
59-0709646
Latest 990 filing
Form 990 filing, 2024
Total assets
$744,150,701

Data from IRS Form 990 filing, 2024; updated September 2026.

Financial Overview

From 2024 IRS Form 990 filing · View filing

Total Assets

$744.2M

-8.6% YoY

Revenue

$49.8M

+12.4% YoY

Net Investment Income

$7.7M

+87.1% YoY

Expenses

$52.7M

+19.0% YoY

About We Florida Financial

Based on IRS filings

We Florida Financial is a nonprofit organization, based in Pembroke Pines, FL. IRS filing data is available from 2020 through 2024. As of 2024, the organization holds $744.2M in total assets. Net investment income was $7.7M.

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Geographic Focus

Where this funder awards grants

Grant Distribution by State

1state

States

Cities

Margate

Giving Over Time

Total grant dollars and number of grants per year

$0$10K$20K$30K$40K0 grants2020 1 grant2021 0 grants2022 0 grants2023 0 grants2024

In 2021 it made 1 grant totaling $36K.

Grant Insights

How this funder distributes its grants

Grant Size Distribution

1 grants across all recorded years

1<$50K$50–100K$100–250K$250–500K$500K–1M$1–5M$5M+

The most common grant size was under $50K: 1 grant of 1 (100%).

Giving History

Grant recipients and amounts by year

No grants recorded for 2024.

Financial History

Multi-year comparison from IRS filings

Revenue
Expenses
Net Investment Income
$0$20M$40M$60M2020 2021 2022 2023 2024
Metric202420232022
Total Assets$744,150,701$814,232,438$752,616,950
Revenue$49,820,888$44,325,216$42,283,714
Expenses$52,749,535$44,310,893$34,944,125
Net Investment Income$7,664,453$4,096,634$10,812,034

Data update history

When this profile's IRS filing data changed on Grantable

  1. IRS filings on file for fiscal years 2020–2024

Leadership & Key People

Officers and directors from IRS filings

We Florida Financial is led by William Spearman, President & CEO since 2024 (on filings since 2022); 10 of 17 officers listed in 2024 are compensated.

Officers on the 2024 filing

  • William Spearman

    President & CEO

    Chief Lending Officer → President & CEO, 2024

    On filings since 2022

    40 hrs/week

    $177K (2022) → $339K (2024)

  • Robert Ramirez

    Former CEO & President

    CEO & President → Former CEO & President, 2024

    On filings since 2020

    40 hrs/week

    $82K (2020) → $786K (2024)

  • Mary Ann Larock

    Chairperson

    Treasurer → Chairman, 2021

    Chairman → Chairperson, 2023

    On filings since 2020

    1 hr/week

    No compensation reported

  • Mack Macvicar

    Director

    Director → Secretary, 2022

    Secretary → Director, 2023

    On filings since 2020

    1 hr/week

    No compensation reported

  • Beatriz Dale

    Director

    On filings since 2022

    1 hr/week

    No compensation reported

  • Judy James

    Director

    On filings since 2022

    1 hr/week

    No compensation reported

  • Ed Verret

    Director

    New on the 2024 filing

    1 hr/week

    No compensation reported

  • Jerome Ryan

    Vice President of It & Security

    On filings since 2020

    40 hrs/week

    $149K (2020) → $215K (2024)

  • Rachel Schaming

    Chief of Human Resources

    Cheif of Human Resources → Chief of Human Resources, 2023

    On filings since 2021

    40 hrs/week

    $146K (2021) → $237K (2024)

  • Aaron Gutfreund

    Vice President Marketing

    On filings since 2023

    40 hrs/week

    $210K (2023) → $224K (2024)

  • Dan Clemens

    Chief Operations Officer

    Chief Strategy Officer → Chief Operations Officer, 2024

    On filings since 2023

    40 hrs/week

    $253K (2023) → $275K (2024)

  • Daniel Bass

    Vice President Lending

    On filings since 2023

    40 hrs/week

    $198K (2023) → $193K (2024)

  • Jack Kenney

    Chief Financial Officer

    On filings since 2023

    40 hrs/week

    $198K (2023) → $238K (2024)

  • Jared Wright

    Assistant Vice President Member Solutions

    On filings since 2023

    40 hrs/week

    $180K (2023) → $184K (2024)

  • Thomas Smith

    Vice President Accounting & Controller

    New on the 2024 filing

    40 hrs/week

    $184K (2024)

  • Henry Prior

    Treasurer & Secretary

    Director → Treasurer, 2021

    Treasurer → Treasurer & Secretary, 2023

    On filings since 2020

    1 hr/week

    No compensation reported

  • Ingrid Fils

    Vice Chairperson

    Vice Chairman → Vice Chairperson, 2023

    On filings since 2020

    1 hr/week

    No compensation reported

Former officers (18)
  • Former: Barbara Paine (2022–2023) — Vice President Support Operations
  • Former: Marie Elianor (2022–2023) — Director
  • Former: Pedro Diaz (2023) — Chief Member Experience Officer
  • Former: Dawn M. Clark (2021–2022) — Vice President Marketing
  • Former: John Zajac (2022) — Chief Financial Officer
  • Former: Ray Ragan (2022) — Cheif Strategy Officer
  • Former: Damon Adams (2020–2021) — Director
  • Former: Dorothy Cleveland (2020–2021) — Director
  • Former: Janna Simon (2020–2021) — Director of Consumer Lending
  • Former: Marcia Oban (2020–2021) — Secretary
  • Former: Sandra Sprnce (2020–2021) — Vice President of Advertising & President
  • Former: Stephen Spooner (2020–2021) — Senior Vice President & CFO
  • Former: Nancy Bourdon (2021) — Vice President & CIO
  • Former: Christy Adams (2020) — Vice President Human Resources
  • Former: Lloyd Gill (2020) — Former President & CEO
  • Former: Michael Lemelin (2020) — Chief Lending Officer
  • Former: Nancy Bourdon-Meyer (2020) — Executive Vice President & Chief Operations Officer
  • Former: Tom Glickman (2020) — Vice President Sales & Business Development

Data from IRS Form 990 filings, 2020–2024. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.

Compensation Overview

From 2024 IRS filing

Robert Ramirez — Former CEO & President: $786KRobert RamirezFormer CEO & President$786KWilliam Spearman — President & CEO: $339KWilliam SpearmanPresident & CEO$339KDan Clemens — Chief Operations Officer: $275KDan ClemensChief Operations Officer$275KJack Kenney — Chief Financial Officer: $238KJack KenneyChief Financial Officer$238KRachel Schaming — Chief of Human Resources: $237KRachel SchamingChief of Human Resources$237KAaron Gutfreund — VP Marketing: $224KAaron GutfreundVP Marketing$224KJerome Ryan — VP of It & Security: $215KJerome RyanVP of It & Security$215KDaniel Bass — VP Lending: $193KDaniel BassVP Lending$193KJared Wright — AVP Member Solutions: $184KJared WrightAVP Member Solutions$184KThomas Smith — VP Accounting & Controller: $184KThomas SmithVP Accounting & Controller$184K

The highest reported compensation on the 2024 filing was $786K, to Robert Ramirez (Former CEO & President). 10 officers or directors reported compensation on that filing.

Frequently asked questions about We Florida Financial

How large is We Florida Financial?

We Florida Financial reported $744.2M in total assets on its 2024 IRS Form 990 filing. Its revenue that year was $49.8M.

Where does We Florida Financial operate?

We Florida Financial has awarded grants in Florida.

What is We Florida Financial's EIN?

We Florida Financial's EIN (Employer Identification Number) is 59-0709646. IRS Form 990 filing data is available on this page for 2020–2024.

Data last updated September 2026. Sourced from IRS Form 990 filings.

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