CS CREDIT UNION

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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

1986

Legal Domicile

Principal Officer

DALE SHERRILL

Phone

8282416196

Tax Period

2025-01-01 to 2025-12-31

CS CREDIT UNION, founded in 1986, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Expenses of $1.3M left a modest 13% surplus.

Mission

TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS WITH SAVINGS AND CHECKING DEPOSIT ACCOUNTS, LOANS TO MEMBERS AND ELECTRONIC SERVICES TO MEMBERS TO FACILITATE FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

2,832 MEMBERS PROVIDED WITH FINANCIAL ACCOUNTS TOTALING $24,525,485 IN DEPOSITS. 1,949 MEMBER LOANS TOTALING $16,727,011 IN OUTSTANDING LOANS.PROVIDED ELECTRONIC SERVICES TO THESE MEMBERS.

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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 $1,124,747

Investment Income $394,130

Other Revenue $22,167

TOTAL REVENUE $1,541,044

Expense Breakdown

Grants Paid $0

Salaries & Benefits $655,231

Fundraising Expenses $0

Other Expenses $681,175

TOTAL EXPENSES $1,336,406

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,541,044	$1,578,750	0.0%
Expenses	$1,336,406	$1,409,701	-0.1%
Net Income	$204,638	$169,049	+0.2%

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

$139,834

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB FERBER	DIRECTOR	2.00	Director	$0	$0	$0
KEITH BULLARD	DIRECTOR	2.00	Director	$0	$0	$0
SMITTY DRUM	DIRECTOR	2.00	Director	$0	$0	$0
ROSE SIPE	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
JEAN GAY	VICE-CHAIRPERSON	2.00	Officer Director	$0	$0	$0
DALE SHERRILL	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
MARC JACOBSON	MANAGING OFFICER	40.00	Officer	$131,222	$8,612	$139,834

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	$1,541,044	$1,336,406	$29,721,339	$204,638
2024	$1,578,750	$1,409,701	$30,851,240	$169,049
2023	$1,536,525	$1,218,178	$30,169,869	$318,347
2022	$1,302,991	$1,125,919	$32,744,587	$177,072
2021	$1,213,579	$1,113,960	$33,115,368	$99,619
2020	$1,279,539	$1,176,322	$32,573,828	$103,217
2019	$1,417,319	$1,215,575	$29,771,520	$201,744
2018	$1,387,108	$1,152,664	$31,082,581	$234,444