635 MEMBERS CHOICE CREDIT UNION INC (EIN 340571968) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

Tina L Brooks

Phone

9375480360

Tax Period

2025-01-01 to 2025-12-31

635 MEMBERS CHOICE CREDIT UNION INC, founded in 1954, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $435K, a strong 25% operating margin.

Mission

The credit union provides financial services to qualified members

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,086,862

Investment Income $622,176

Other Revenue $3,229

TOTAL REVENUE $1,712,267

Expense Breakdown

Grants Paid $0

Salaries & Benefits $375,808

Fundraising Expenses $0

Program Expenses $1,278,121

Other Expenses $507,412

TOTAL EXPENSES $1,276,849

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,712,267	$1,540,952	+0.1%
Expenses	$1,276,849	$1,129,592	+0.1%
Net Income	$435,418	$411,360	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$113,254

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Tina Brooks	CEO	40	Officer	$78,832	$0	$78,832
Jeremy Giesseman	Accounting Mgr	38	Officer	$34,422	$0	$34,422
Donald Atkins	Board President	0.25	Officer Director	$0	$0	$0
Michael Meckes	Vice President	0.25	Officer Director	$0	$0	$0
Sondra White	Secretary	0.25	Officer Director	$0	$0	$0
Jeffrey Miller	Treasurer	0.25	Officer Director	$0	$0	$0
John Strawser	Director	0.25	Director	$0	$0	$0
Craig Jenkinson	Director	0.25	Director	$0	$0	$0
Tracey Richardson	Director	0.25	Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$1,712,267	$1,276,849	$36,256,366	$435,418
2024	No data	No data	No data	No data
2023	$1,180,437	$813,213	$30,115,834	$367,224
2022	$893,333	$650,640	$29,882,482	$242,693
2021	$876,894	$617,895	$29,893,530	$258,999
2020	$978,556	$613,047	$26,663,308	$365,509
2019	$974,633	$556,341	$21,678,772	$418,292
2018	$863,191	$633,431	$22,049,445	$229,760

635 MEMBERS CHOICE CREDIT UNION INC