Virginia United Methodist Credit Union (EIN 540575188) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1952

Legal Domicile

Principal Officer

James Eads

Phone

8046720200

Tax Period

2025-01-01 to 2025-12-31

VIRGINIA UNITED METHODIST CREDIT UNION, founded in 1952, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2018. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $972K left a modest 5% surplus.

Mission

Credit Union is a cooperative organized for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,113,705

Investment Income $54,633

Other Revenue $0

TOTAL REVENUE $1,168,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $355,077

Fundraising Expenses $0

Program Expenses $0

Other Expenses $666,087

TOTAL EXPENSES $1,021,164

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,168,338	$1,101,633	+0.1%
Expenses	$1,021,164	$953,078	+0.1%
Net Income	$147,174	$148,555	0.0%

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

Total Directors

Key Employees

$22,761

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Alvin Horton	Board Chairperson	1.00	Officer	$0	$0	$0
William James	Board Vice-Chairperson	1.00	Officer	$0	$0	$0
Chris Burgess	Board Member	1.00	Officer	$0	$0	$0
Jeff Peterson	Board Member	1.00	Officer	$0	$0	$0
David Adkins	Board Member	1.00	Officer	$0	$0	$0
Paul Eichelberger	Bord Member	1.00	Officer	$0	$0	$0
James Eads	CEO	40.00	Key Emp	$22,761	$0	$22,761

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	$1,168,338	$1,021,164	$15,710,899	$147,174
2024	$1,101,633	$953,078	$17,582,092	$148,555
2023	$1,011,950	$899,049	$17,589,871	$112,901
2022	$896,440	$848,201	$17,784,615	$48,239
2021	$1,275,341	$1,095,135	$19,324,765	$180,206
2020	$1,076,266	$980,736	$19,292,818	$95,530
2019	$1,018,352	$951,342	$16,005,015	$67,010
2018	$1,025,189	$972,315	$16,724,047	$52,874

Virginia United Methodist Credit Union