MARSHALL COMMUNITY CREDIT UNION (EIN 381444840) - 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

1951

Legal Domicile

Principal Officer

JULIE ZINK

Phone

2697819885

Tax Period

2025-01-01 to 2025-12-31

MARSHALL COMMUNITY CREDIT UNION, founded in 1951, is a mid-sized nonprofit that reported $24.6M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.1M, a strong 21% operating margin.

Mission

TO PROVIDE FINANCIAL SERVICES TO MEMBER OWNERS WITH A COMMON BOND.

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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 $21,191,951

Investment Income $3,358,701

Other Revenue $0

TOTAL REVENUE $24,550,652

Expense Breakdown

Grants Paid $326,281

Salaries & Benefits $6,134,289

Fundraising Expenses $0

Other Expenses $13,020,505

TOTAL EXPENSES $19,481,075

Year-over-Year Comparison

	2025	2024	Change
Revenue	$24,550,652	$21,600,711	+0.1%
Expenses	$19,481,075	$17,219,546	+0.1%
Net Income	$5,069,577	$4,381,165	+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

$1,151,233

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK GARAVALIA	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
ASHLEY IOVIENO	VICE CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JERRY BAREMOR	SECRETARY	1.00	Officer Director	$0	$0	$0
LISA DAMRON	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL WATSON	DIRECTOR	1.00	Director	$0	$0	$0
FRANK CABRERA	DIRECTOR	1.00	Director	$0	$0	$0
LUCY BLAIR HOUGH	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM CLAYBORN	DIRECTOR	1.00	Director	$0	$0	$0
VAUGHN FRENTZ	DIRECTOR	1.00	Director	$0	$0	$0
CORRIE ROZELL	CEO	40.00	Officer	$380,334	$40,191	$420,525
JULIE ZINK	CFO	40.00	Officer	$158,212	$24,769	$182,981
MELISSA SEAVOLT	COO	40.00	Officer	$171,784	$24,651	$196,435
JOHN MCKENZIE	VP OF INFO TECH AND SECURITY	40.00	Officer	$159,800	$28,211	$188,011
STEVE SCOTT	VP OF IT BUSINESS SOLUTIONS	40.00	Officer	$144,889	$18,392	$163,281

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	$24,550,652	$19,481,075	$361,485,329	$5,069,577
2024	$21,600,711	$17,219,546	$330,682,386	$4,381,165
2023	$16,738,081	$14,198,224	$311,754,958	$2,539,857
2022	$13,400,712	$11,491,605	$306,519,256	$1,909,107
2021	$14,980,638	$10,203,346	$305,597,773	$4,777,292
2020	$15,890,998	$10,715,854	$280,270,362	$5,175,144
2019	$13,163,286	$10,548,719	$226,939,106	$2,614,567
2018	$11,350,188	$8,934,581	$200,398,796	$2,415,607

MARSHALL COMMUNITY CREDIT UNION