Financial Partners Credit Union (EIN 370527910) - 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

1926

Legal Domicile

Principal Officer

Eric Paine

Phone

2177441456

Tax Period

2025-01-01 to 2025-12-31

Financial Partners Credit Union, founded in 1926, is a small nonprofit that reported $595K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

To assist our members in management of their financial well-being by providing loans, savings accounts and other financial services in a friendly and professional manners

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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 $332,310

Investment Income $262,738

Other Revenue $0

TOTAL REVENUE $595,048

Expense Breakdown

Grants Paid $0

Salaries & Benefits $224,257

Fundraising Expenses $0

Program Expenses $582,422

Other Expenses $358,165

TOTAL EXPENSES $582,422

Year-over-Year Comparison

	2025	2024	Change
Revenue	$595,048	$493,607	+0.2%
Expenses	$582,422	$483,291	+0.2%
Net Income	$12,626	$10,316	+0.2%

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

$109,658

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James Crockwell	Chairperson	1.00	Officer Director	$0	$0	$0
Susan Litterly	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Jim Brennan	Board Member	1.00	Director	$0	$0	$0
Susie Jackson	Board Member	1.00	Director	$0	$0	$0
Betty Robertson	Vice Chairperson	1.00	Officer Director	$0	$0	$0
Shantel Ruebling	Board Member	1.00	Director	$0	$0	$0
Melvin Perdue	Board Member	1.00	Director	$0	$0	$0
Eric Paine	CEO	40.00	Officer	$61,694	$0	$61,694
Virginia Fugate	VP of Operations	40.00	Officer	$47,964	$0	$47,964

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	$595,048	$582,422	$12,167,121	$12,626
2024	$493,607	$483,291	$10,660,685	$10,316
2023	$421,607	$484,502	$10,960,871	$-62,895
2022	$464,465	$438,908	$11,188,264	$25,557
2021	$368,653	$407,222	$11,022,426	$-38,569
2020	$421,511	$412,653	$10,341,654	$8,858
2019	$456,418	$400,526	$8,431,385	$55,892
2018	$547,113	$490,864	$8,243,917	$56,249

Financial Partners Credit Union