TEACHERS CREDIT UNION (EIN 390736227) - 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

1934

Principal Officer

AMY JACOBSON

Phone

6083628983

Tax Period

2025-01-01 to 2025-12-31

TEACHERS CREDIT UNION, founded in 1934, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $1.7M left a modest 13% surplus.

Mission

TEACHERS CREDIT UNION IS A NOT-FOR-PROFIT MEMBER OWNED ORGANIZATION. OUR GOAL IS TO PROVIDE THE BEST POSSIBLE FINANCIAL SERVICES TO OUR MEMBERS AT COMPETITIVE RATES AND TO MAINTAIN THE CREDIT UNION'S LONG-TERM FINANCIAL STABILITY.

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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 $1,072,694

Investment Income $827,590

Other Revenue $7,909

TOTAL REVENUE $1,908,193

Expense Breakdown

Grants Paid $0

Salaries & Benefits $462,552

Fundraising Expenses $0

Other Expenses $1,193,153

TOTAL EXPENSES $1,655,705

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,908,193	$1,710,868	+0.1%
Expenses	$1,655,705	$1,434,296	+0.2%
Net Income	$252,488	$276,572	-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

$184,720

Total Directors

$1,068

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY JACOBSON	PRESIDENT	40.00	Officer	$98,266	$5,774	$104,040
LISA WERTZ	VICE PRESIDE	40.00	Officer	$75,149	$4,463	$79,612
TERRANCE MCCANN	CHAIR	0.50	Officer Director	$588	$0	$588
SUSAN BRUNSON	SECRETARY	0.50	Officer Director	$480	$0	$480
BOBBY BEAMON	DIRECTOR	0.50	Director	$0	$0	$0
HENRY CLEMENT	DIRECTOR	0.50	Director	$0	$0	$0
SCHATZE FUNK	DIRECTOR	0.50	Director	$0	$0	$0
ARTHUR GURHOLT	TREASURER	0.50	Officer Director	$0	$0	$0
KAREN KERR	DIRECTOR	0.50	Director	$0	$0	$0
THOMAS MICHELS	VICE CHAIR	0.50	Officer Director	$0	$0	$0
EVLYNNE OWENS	DIRECTOR	0.50	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	$1,908,193	$1,655,705	$37,177,087	$252,488
2024	$1,710,868	$1,434,296	$37,764,079	$276,572
2023	$1,349,459	$1,017,966	$33,299,318	$331,493
2022	$910,623	$820,823	$32,637,898	$89,800
2021	$842,368	$791,938	$30,711,372	$50,430
2020	$843,032	$741,144	$29,004,796	$101,888
2019	$880,649	$799,781	$24,517,520	$80,868
2018	$798,528	$751,706	$23,927,644	$46,822

TEACHERS CREDIT UNION