COMMUNITY 1ST CREDIT UNION (EIN 420686459) - 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

1936

Legal Domicile

Principal Officer

GREG HANSHAW

Phone

6416845448

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY 1ST CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $72.2M in total revenue in fiscal year 2025. Expenses of $67.1M left a modest 7% surplus.

Mission

STATE CHARTERED CREDIT UNION

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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 $68,498,492

Investment Income $3,721,390

Other Revenue $0

TOTAL REVENUE $72,219,882

Expense Breakdown

Grants Paid $0

Salaries & Benefits $26,317,492

Fundraising Expenses $0

Other Expenses $40,740,174

TOTAL EXPENSES $67,057,666

Year-over-Year Comparison

	2025	2024	Change
Revenue	$72,219,882	$68,555,795	+0.1%
Expenses	$67,057,666	$59,849,855	+0.1%
Net Income	$5,162,216	$8,705,940	-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

412

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
GREGORY HANSHAW	PRESIDENT/ CEO	45.00		$839,992	$0	$839,992
JAMES HOLLE	CFO	45.00		$348,015	$0	$348,015
RYNEE HENDERSON	ASST VP OF FINANCE	45.00		$340,136	$0	$340,136
JOHN MARK FRANKE	COO	45.00		$321,198	$0	$321,198
BOBBI TERRELL	CHIEF COMPLIANCE OFF	45.00		$273,743	$0	$273,743
MELISSA BEASTROM	CHIEF STATEGY & RISK OFF	45.00		$245,271	$0	$245,271
JAMES THOMAS	VP RETAIL OPERATIO	45.00		$213,046	$0	$213,046
JEFF LEU	VP OF IT	45.00		$187,475	$0	$187,475
BRIAN DOSTAL	SR COMM AG LOAN OF	45.00		$180,503	$0	$180,503
JULIE MONTGOMERY	VP HUMAN RESOURCES	45.00		$176,793	$0	$176,793
JOHN MAYBERRY	Director	1.00	Director	$0	$0	$0
ANNE LEATHERS	Director	1.00	Director	$0	$0	$0
CURT HOPKINS	Director	1.00	Director	$0	$0	$0
NATHAN CARAWAY	Director	1.00	Director	$0	$0	$0
BIANCA MYERS	Director	1.00	Director	$0	$0	$0
COURTNEY JONES	Director	1.00	Director	$0	$0	$0
JASON EUBANKS	Director	1.00	Director	$0	$0	$0
SANDRA WIRFS	Director	1.00	Director	$0	$0	$0
TIM ELLIOT	Director	1.00	Director	$0	$0	$0
DAVE BOYER	Director	1.00	Director	$0	$0	$0
BRIAN MCWILLIAMS	Director	1.00	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	$72,219,882	$67,057,666	$1,065,288,585	$5,162,216
2024	$68,555,795	$59,849,855	$1,038,960,159	$8,705,940
2023	$59,617,725	$48,317,896	$971,690,377	$11,299,829
2022	$48,530,717	$38,936,210	$938,861,640	$9,594,507
2021	$42,990,496	$35,826,437	$1,000,297,411	$7,164,059
2020	$42,055,007	$37,972,215	$845,601,434	$4,082,792
2019	$41,086,764	$36,884,371	$709,383,536	$4,202,393
2018	$37,194,797	$33,256,129	$649,890,355	$3,938,668

COMMUNITY 1ST CREDIT UNION