GORMAN-RUPP & ASSOCIATES CREDIT UNION INC (EIN 340905753) - 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

1960

Legal Domicile

Principal Officer

Abbie Eith

Phone

4195253800

Tax Period

2025-01-01 to 2025-12-31

GORMAN-RUPP & ASSOCIATES CREDIT UNION INC, founded in 1960, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Expenses of $1.1M left a modest 9% surplus.

Mission

Gorman Rupp and Associates Credit Union, Inc. is a financial institution cooperative organized to provide loan and deposit products and services for its member owners.

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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 $1,037,564

Investment Income $173,292

Other Revenue $0

TOTAL REVENUE $1,210,856

Expense Breakdown

Grants Paid $0

Salaries & Benefits $362,974

Fundraising Expenses $0

Program Expenses $980,905

Other Expenses $739,745

TOTAL EXPENSES $1,102,719

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,210,856	$1,184,172	+0.0%
Expenses	$1,102,719	$1,109,178	0.0%
Net Income	$108,137	$74,994	+0.4%

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

Total Directors

Key Employees

$94,423

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Abbie Eith	Chief Executive Officer	40	Key Emp Highest	$71,423	$23,000	$94,423
Carly Hollar	President of Board	2	Director	$0	$0	$0
Michael Keith	Vice President of Board	2	Director	$0	$0	$0
Angie Morehead	Treasurer of Board	2	Director	$0	$0	$0
Dee Cochran	Secretary of Board	2	Director	$0	$0	$0
Michael Crum	Director	2	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	$1,210,856	$1,102,719	$16,558,894	$108,137
2024	No data	No data	No data	No data
2023	$1,013,532	$922,377	$14,185,014	$91,155
2022	$804,942	$739,917	$14,180,201	$65,025
2021	$703,725	$703,057	$13,029,904	$668
2020	$709,754	$656,459	$10,940,067	$53,295
2019	$739,376	$661,118	$8,724,766	$78,258
2018	$693,433	$651,805	$8,411,826	$41,628

GORMAN-RUPP & ASSOCIATES CREDIT UNION INC