Holy Redeemer Community Credit Union (EIN 391762211) - 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

1993

Legal Domicile

Principal Officer

Lisa Neal

Phone

4144661800

Tax Period

2025-01-01 to 2025-12-31

Holy Redeemer Community Credit Union, founded in 1993, is a micro nonprofit that reported $33K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $14K, a strong 42% operating margin.

Mission

The Holy Redeemer Community Credit Union (HRCCU) was organized to provide financial services to low-moderate income families. We seek to provide an opportunity for each member to improve their respective economic and social conditions. We are a unique non-for-profit, financial institution that is democratically owned and organized by a group of people who share 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 $8,167

Investment Income $24,627

Other Revenue $0

TOTAL REVENUE $32,794

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $18,952

TOTAL EXPENSES $18,952

Year-over-Year Comparison

	2025	2024	Change
Revenue	$32,794	$38,749	-0.2%
Expenses	$18,952	$14,717	+0.3%
Net Income	$13,842	$24,032	-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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
John Daniels III	Chairman	5	Officer Director	$0	$0	$0
Tiffany Batton	Vice Chairman	5	Officer Director	$0	$0	$0
Michaela Blake	Secretary	5	Officer Director	$0	$0	$0
Latonia Owens-Green	Compliance	5	Director	$0	$0	$0
Sheryl Cunningham	Diector	5	Director	$0	$0	$0
Sheila Robinson	Director	5	Director	$0	$0	$0
Lisa Neal	President/CEO	30	Officer	$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	$32,794	$18,952	$746,925	$13,842
2024	No data	No data	No data	No data
2023	$24,030	$9,630	$767,024	$14,400
2022	$17,939	$10,983	$587,073	$6,956
2021	$13,054	$13,278	$773,268	$-224
2020	$14,212	$13,085	$801,043	$1,127
2018	$17,988	$12,820	$841,285	$5,168

Holy Redeemer Community Credit Union