GOETZ CREDIT UNION (EIN 440261775) - 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

1937

Legal Domicile

Principal Officer

SONDA DAVIDSON

Phone

8162328754

Tax Period

2025-01-01 to 2025-12-31

GOETZ CREDIT UNION, founded in 1937, is a community nonprofit that reported $6.4M in total revenue in fiscal year 2025. The organization ran a surplus of $1.1M, a strong 17% operating margin.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE 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 $5,504,185

Investment Income $844,070

Other Revenue $20,246

TOTAL REVENUE $6,368,501

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,434,311

Fundraising Expenses $0

Other Expenses $3,871,085

TOTAL EXPENSES $5,305,396

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,368,501	$6,252,925	+0.0%
Expenses	$5,305,396	$5,073,975	+0.0%
Net Income	$1,063,105	$1,178,950	-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

$286,880

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEONARD AMOS	CHAIRMAN	1.00	Director	$0	$0	$0
FRED ALLEN	VICE CHAIRMAN	1.00	Director	$0	$0	$0
CAROL WOOD	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
KELLY WELCH	DIRECTOR	1.00	Director	$0	$0	$0
GREG LOGAN	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS CHLEBORAD	DIRECTOR	1.00	Director	$0	$0	$0
KENNY BRYSON	DIRECTOR	1.00	Director	$0	$0	$0
LARRY ROE	DIRECTOR	1.00	Director	$0	$0	$0
SALLY PAYNE	DIRECTOR	1.00	Director	$0	$0	$0
SONDA DAVIDSON	PRESIDENT	40.00	Officer	$249,084	$37,796	$286,880
LISA MOORE	LENDING SUPERVISOR	40.00	Highest	$135,273	$18,257	$153,530
ASHLEY CURNUTT	OPERATIONS SUPERVISOR	40.00	Highest	$126,166	$17,331	$143,497

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	$6,368,501	$5,305,396	$88,079,272	$1,063,105
2024	$6,252,925	$5,073,975	$83,702,395	$1,178,950
2023	$5,657,763	$4,851,204	$80,449,178	$806,559
2022	$4,516,158	$3,746,043	$85,517,811	$770,115
2021	$3,831,238	$3,254,918	$85,915,878	$576,320
2020	$3,720,551	$3,047,023	$74,697,247	$673,528
2019	$3,621,690	$3,170,712	$61,563,191	$450,978
2018	$3,279,948	$2,761,940	$57,599,503	$518,008

GOETZ CREDIT UNION