STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA (EIN 560664030) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Principal Officer

STACEY JONES

Phone

9197360885

Tax Period

2025-01-01 to 2025-12-31

STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA, founded in 1950, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025.

Mission

Providing low cost loans and financial services to members.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $10,000

Program Service Revenue $1,996,264

Investment Income $228,261

Other Revenue $0

TOTAL REVENUE $2,234,525

Expense Breakdown

Grants Paid $0

Salaries & Benefits $809,425

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,466,657

TOTAL EXPENSES $2,276,082

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,234,525	$2,225,669	+0.0%
Expenses	$2,276,082	$2,207,919	+0.0%
Net Income	$-41,557	$17,750	-3.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$253,286

Total Directors

Key Employees

$106,870

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stacey Jones	Manager or CEO	40.00	Officer	$94,664	$0	$94,664
Mark McCary	Board Chairperson	2.00	Director	$0	$0	$0
James Farfour	Board Member	2.00	Director	$0	$0	$0
Willie Parks Jr	Board Member	2.00	Director	$0	$0	$0
Brock Larose	Board Secretary Board Treasurer	2.00	Director	$0	$0	$0
Peggy Daniels	Board Member	2.00	Director	$0	$0	$0
Angela Hucks	Board Vice Chairperson	2.00	Director	$0	$0	$0
Hailey Kirby	Board Member	2.00	Director	$0	$0	$0
Tyler Weeks	Board Member	2.00	Director	$0	$0	$0
CRYSTAL GRANT	CFO	40.00	Officer	$158,622	$0	$158,622
PRISCILLA FREDERICK	ASST MGR	40.00	Key Emp	$106,870	$0	$106,870

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	$2,234,525	$2,276,082	$33,494,894	$-41,557
2024	$2,225,669	$2,207,919	$36,942,303	$17,750
2023	$1,834,411	$1,697,492	$32,811,976	$136,919
2022	$1,518,965	$1,192,997	$33,257,231	$325,968
2021	$1,461,169	$1,453,706	$32,786,352	$7,463
2020	$1,523,369	$1,484,102	$32,968,987	$39,267
2019	$1,668,919	$1,616,397	$28,902,487	$52,522
2018	$1,605,286	$1,511,538	$29,087,675	$93,748

STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA