TCP CREDIT UNION (EIN 561256441) - 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

1979

Legal Domicile

Principal Officer

BARBARA ISAACS

Tax Period

2025-01-01 to 2025-12-31

TCP CREDIT UNION, founded in 1979, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2025. Expenses of $1.1M left a modest 5% surplus.

Mission

TO PROVIDE SERVICES TO MEMBERS AND PAY DIVIDENDS AT REASONABLE RATES

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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 $1,022,218

Investment Income $169,733

Other Revenue $0

TOTAL REVENUE $1,191,951

Expense Breakdown

Grants Paid $0

Salaries & Benefits $351,083

Fundraising Expenses $0

Other Expenses $769,364

TOTAL EXPENSES $1,134,541

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,191,951	$1,147,390	+0.0%
Expenses	$1,134,541	$1,158,207	0.0%
Net Income	$57,410	$-10,817	-6.3%

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

N/A

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

$91,390

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA ISAACS	CEO	40.00	Officer	$91,390	$0	$91,390
ELIZABETH ASHWORTH	BOARD MEMBER	0.25	Director	$0	$0	$0
ED BLACKBURN	VICE CHAIRPE	0.25	Director	$0	$0	$0
HOLLY HUELSKAMP	SECRETARY/TR	0.25	Director	$0	$0	$0
BREA HULL	BOARD MEMBER	0.25	Director	$0	$0	$0
ROGER MORRIS III	BOARD MEMBER	0.25	Director	$0	$0	$0
DAVID JONES	BOARD MEMBER	0.25	Director	$0	$0	$0
MEECIE MOORE	BOARD MEMBER	0.25	Director	$0	$0	$0
MICHAEL SENTER	BOARD MEMBER	0.25	Director	$0	$0	$0
KERI SHORE	CHAIRPERSON/	0.25	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	$1,191,951	$1,134,541	$15,459,891	$57,410
2024	$1,147,390	$1,158,207	$13,836,219	$-10,817
2023	$995,835	$863,261	$14,402,876	$132,574
2022	$791,585	$587,438	$12,411,992	$204,147
2021	$662,308	$574,741	$11,666,177	$87,567
2020	$681,934	$680,689	$11,302,785	$1,245
2019	$693,397	$550,494	$10,740,881	$142,903
2018	$618,358	$486,057	$10,468,401	$132,301

TCP CREDIT UNION