EMERGENCY RESPONDERS 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

1940

Legal Domicile

Principal Officer

KALYN S STOWERS

Phone

3367230619

Tax Period

2025-01-01 to 2025-12-31

EMERGENCY RESPONDERS CREDIT UNION, founded in 1940, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025.

Mission

PROGRAM SERVICES INCURRED IN PROVIDING LOANS AND SAVINGS ACCOUNTS FOR MEMBERS.

Program Service Accomplishments

Program 1

SALARIES AND WAGES TO STAFF

Program 2

OFFICE EXPENSES

Program 3

BENEFITS PAID TO 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 $1,593,047

Investment Income $158,485

Other Revenue $262,501

TOTAL REVENUE $2,014,033

Expense Breakdown

Grants Paid $0

Salaries & Benefits $627,188

Fundraising Expenses $0

Other Expenses $1,163,377

TOTAL EXPENSES $2,140,727

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,014,033	$1,907,346	+0.1%
Expenses	$2,140,727	$1,905,919	+0.1%
Net Income	$-126,694	$1,427	-89.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
J SCOTT GAULDIN	PRESIDENT	N/A	Director	$0	$0	$0
JERRY AMOS	BOARD MEMBER	N/A	Director	$0	$0	$0
CHRIS BELCHER	VICE PRESIDE	N/A	Director	$0	$0	$0
BRIAN DIGGS	BOARD MEMBER	N/A	Director	$0	$0	$0
CHAD LANKFORD	BOARD MEMBER	N/A	Director	$0	$0	$0
BRANDON WATSON	BOARD MEMBER	N/A	Director	$0	$0	$0
DAVID SOJKA	SECRETARY	N/A	Director	$0	$0	$0
MARK HOLT	BOARD MEMBER	N/A	Director	$0	$0	$0
STEVE FULP	BOARD MEMBER	N/A	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	$2,014,033	$2,140,727	$29,027,440	$-126,694
2024	$1,907,346	$1,905,919	$29,722,339	$1,427
2023	$1,646,933	$1,464,761	$30,038,368	$182,172
2022	$1,516,228	$1,218,180	$30,711,546	$298,048
2021	$1,275,276	$1,213,537	$31,280,784	$61,739
2020	$1,256,731	$1,237,584	$28,635,554	$19,147
2019	$1,287,610	$1,161,276	$24,353,274	$126,334
2018	$1,198,648	$952,658	$20,975,305	$245,990