GEORGETOWN KRAFT 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

1952

Legal Domicile

Principal Officer

KEVIN OWENS

Phone

8434366316

Tax Period

2025-01-01 to 2025-12-31

GEORGETOWN KRAFT CREDIT UNION, founded in 1952, is a mid-sized nonprofit that reported $15.8M in total revenue in fiscal year 2025. The organization ran a surplus of $3.3M, a strong 21% operating margin.

Mission

STATE CHARTERED CREDIT UNION

Program Service Accomplishments

Program 1

Expenses: $11,633,388

DURING THE YEAR, THE CREDIT UNION SERVED ITS' MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.

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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 $13,719,071

Investment Income $2,115,465

Other Revenue $0

TOTAL REVENUE $15,834,536

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,249,343

Fundraising Expenses $0

Program Expenses $11,633,388

Other Expenses $7,249,455

TOTAL EXPENSES $12,498,798

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,834,536	$15,023,051	+0.1%
Expenses	$12,498,798	$11,695,100	+0.1%
Net Income	$3,335,738	$3,327,951	+0.0%

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

$512,719

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN OWENS	CEO	40.00	Highest	$264,920	$90,863	$355,783
KEITH WILCOX	EVP/CLO	40.00	Officer	$175,182	$69,339	$244,521
TERRI WILSON	BRANCH MANAG	40.00	Officer	$107,063	$31,678	$138,741
ELIZABETH LEWIS	VP	40.00	Officer	$117,203	$12,254	$129,457
ALAN BASS	BOARD MEMBER	N/A	Director	$0	$0	$0
JAMES BESSANT	CHAIRMAN	N/A	Director	$0	$0	$0
MACK BURGESS	BOARD MEMBER	N/A	Director	$0	$0	$0
RAYMOND PEARIGEN JR	BOARD MEMBER	N/A	Director	$0	$0	$0
DENNIS LOADHOLT	VICE CHAIRMA	N/A	Director	$0	$0	$0
TIMOTHY MCCONNELL	BOARD MEMBER	N/A	Director	$0	$0	$0
DARRELL THOMAS	BOARD MEMBER	N/A	Director	$0	$0	$0
TIM TOMPKINS	BOARD MEMBER	N/A	Director	$0	$0	$0
FELICIA WILSON	TREASURER/SE	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	$15,834,536	$12,498,798	$188,236,477	$3,335,738
2024	$15,023,051	$11,695,100	$180,412,224	$3,327,951
2023	$14,208,763	$10,630,298	$174,361,943	$3,578,465
2022	$11,725,184	$8,811,737	$177,035,984	$2,913,447
2021	$10,044,644	$7,818,547	$164,124,241	$2,226,097
2020	$9,040,145	$7,566,895	$143,572,123	$1,473,250
2019	$9,314,227	$7,328,574	$112,937,228	$1,985,653
2018	$8,454,189	$7,204,674	$108,865,982	$1,249,515