ASH EMPLOYEES CREDIT UNION (EIN 370807500) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

CYNTHIA WALKER

Phone

6182026703

Tax Period

2025-01-01 to 2025-12-31

ASH EMPLOYEES CREDIT UNION, founded in 1952, is a small nonprofit that reported $359K in total revenue in fiscal year 2025. The organization ran a surplus of $99K, a strong 27% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $317,716

Investment Income $41,739

Other Revenue $0

TOTAL REVENUE $359,455

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,464

Fundraising Expenses $0

Other Expenses $125,080

TOTAL EXPENSES $260,927

Year-over-Year Comparison

	2025	2024	Change
Revenue	$359,455	$334,664	+0.1%
Expenses	$260,927	$224,738	+0.2%
Net Income	$98,528	$109,926	-0.1%

Key Indicators

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

🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$67,322

Total Directors

$67,322

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAWANDA JONES	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
STEVE HARTLINE	BOARD VICE CHAIRPERSON	1.00	Director	$0	$0	$0
ATHALYN HUNT	BOARD SECRETARY	1.00	Director	$0	$0	$0
CAROLYN TRIPP	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHELE BURRIS	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON COCHRAN	BOARD MEMBER	1.00	Director	$0	$0	$0
COREY JEFFORDS	BOARD MEMBER	1.00	Director	$0	$0	$0
CYNTHIA WALKER	PRESIDENT/BOARD TREASURER	35.00	Officer Director	$66,425	$897	$67,322

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	$359,455	$260,927	$5,215,435	$98,528
2024	$334,664	$224,738	$5,122,222	$109,926
2023	$324,572	$275,827	$5,194,580	$48,745
2022	$275,126	$246,846	$4,900,005	$28,280
2021	$285,803	$220,484	$5,091,353	$65,319
2020	$243,865	$243,865	$4,868,996	No data
2019	$254,567	$227,869	$4,389,025	$26,698
2018	$272,028	$262,028	$4,356,272	$10,000

ASH EMPLOYEES CREDIT UNION