METRO CREDIT UNION (EIN 431254000) - 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

1982

Legal Domicile

Principal Officer

KEVIN STUBBLEFIELD

Phone

4178699654

Tax Period

2023-01-01 to 2023-12-31

METRO CREDIT UNION, founded in 1982, is a community nonprofit that reported $5.9M in total revenue in fiscal year 2023. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $5.2M left a modest 12% surplus.

Mission

PROVIDE MEMBERS WITH QUALITY FINANCIAL SERVICES AT THE BEST COST WITHIN SOUND BUSINESS PRACTICES.

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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 (2023)

Revenue Breakdown

Contributions & Grants $3,850

Program Service Revenue $5,169,893

Investment Income $702,141

Other Revenue $20,906

TOTAL REVENUE $5,896,790

Expense Breakdown

Grants Paid $4,000

Salaries & Benefits $2,003,730

Fundraising Expenses $0

Other Expenses $3,204,363

TOTAL EXPENSES $5,212,093

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,896,790	$4,744,117	+0.2%
Expenses	$5,212,093	$4,095,651	+0.3%
Net Income	$684,697	$648,466	+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

$330,544

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID O'DELL	CHAIRMAN	1.00	Director	$0	$0	$0
MICHAEL PINKLEY	VICE CHAIRMAN	1.00	Director	$0	$0	$0
LARRY VON HOLTEN	SECRETARY / TREASURER	1.00	Director	$0	$0	$0
STEVE SHANHOLTZER	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROL ROTHERMEL	BOARD MEMBER	1.00	Director	$0	$0	$0
MELISSA DENNEY	BOARD MEMBER	1.00	Director	$0	$0	$0
PAMELA PIERCE	BOARD MEMBER	1.00	Director	$0	$0	$0
ALLAN ROACH	BOARD MEMBER	1.00	Director	$0	$0	$0
GREGORY GROVES	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN STUBBLEFIELD	PRESIDENT / CEO	45.00	Officer	$139,963	$39,949	$179,912
ADAM KINEMAN	CHIEF FINANCIAL OFFICER	45.00	Officer	$117,359	$33,273	$150,632

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
2024	No data	No data	No data	No data
2023	$5,896,790	$5,212,093	$107,241,888	$684,697
2022	$4,744,117	$4,095,651	$109,661,610	$648,466
2021	$3,946,499	$3,420,358	$104,028,817	$526,141
2020	$3,737,641	$3,277,508	$88,761,852	$460,133
2019	$3,513,097	$2,961,803	$75,980,102	$551,294
2018	$2,720,732	$2,443,464	$58,986,410	$277,268

METRO CREDIT UNION