EMERGENCY RESPONDERS CREDIT UNION (EIN 566050017) - 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

1940

Legal Domicile

Principal Officer

KALYN S STOWERS

Phone

3367230619

Tax Period

2024-01-01 to 2024-12-31

EMERGENCY RESPONDERS CREDIT UNION, founded in 1940, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

TO MAKE LOANS AT DECENT RATES AND TO PROVIDE SAVINGS ACCOUNTS 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,548,230

Investment Income $113,526

Other Revenue $245,590

TOTAL REVENUE $1,907,346

Expense Breakdown

Grants Paid $0

Salaries & Benefits $653,246

Fundraising Expenses $0

Other Expenses $866,744

TOTAL EXPENSES $1,905,919

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,907,346	$1,646,933	+0.2%
Expenses	$1,905,919	$1,464,761	+0.3%
Net Income	$1,427	$182,172	-1.0%

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

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

$338,594

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANITA RICKETT	FORMER CEO	40.00	Key Emp	$324,194	$14,400	$338,594
J SCOTT GAULDIN	PRESIDENT	N/A	Director	$0	$0	$0
JERRY AMOS	BOARD MEMBER	N/A	Director	$0	$0	$0
KELLY EMERSON	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
DALE HESTER	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

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
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

EMERGENCY RESPONDERS CREDIT UNION