CURIS FINANCIAL 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

1964

Legal Domicile

Principal Officer

HANSEL HART

Phone

8039782101

Tax Period

2025-01-01 to 2025-12-31

CURIS FINANCIAL CREDIT UNION, founded in 1964, is a community nonprofit that reported $6.8M in total revenue in fiscal year 2025. Expenses of $6.1M left a modest 11% surplus.

Mission

STATE CHARTERED CREDIT UNION

Program Service Accomplishments

Program 1

Expenses: $5,585,715

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 $5,527,434

Investment Income $1,187,480

Other Revenue $134,201

TOTAL REVENUE $6,849,115

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,198,376

Fundraising Expenses $0

Program Expenses $5,585,715

Other Expenses $3,871,464

TOTAL EXPENSES $6,069,840

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,849,115	$6,915,226	0.0%
Expenses	$6,069,840	$5,873,841	+0.0%
Net Income	$779,275	$1,041,385	-0.3%

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

$247,372

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HANSEL HART	CEO	50.00	Officer	$239,780	$7,592	$247,372
PAMELA BURGESS	BOARD MEMBER	N/A	Director	$0	$0	$0
EUREKA FARRELL	BOARD MEMBER	N/A	Director	$0	$0	$0
NANCY MCCLENDON	BOARD CHAIR	N/A	Director	$0	$0	$0
MARY MCKISSOCK	SECRETARY	N/A	Director	$0	$0	$0
FAYE PARKER-BROWN	BOARD MEMBER	N/A	Director	$0	$0	$0
SHANNA PERRY	VICE CHAIR	N/A	Director	$0	$0	$0
BJ TRAYNUM	BOARD MEMBER	N/A	Director	$0	$0	$0
TIM WALKER	BOARD MEMBER	N/A	Director	$0	$0	$0
MARY WINSTEAD	TREASURER	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	$6,849,115	$6,069,840	$87,143,594	$779,275
2024	$6,915,226	$5,873,841	$87,895,175	$1,041,385
2023	$6,952,936	$5,341,579	$92,058,574	$1,611,357
2022	$5,892,737	$4,554,477	$92,583,890	$1,338,260
2021	$5,517,302	$4,512,456	$95,924,125	$1,004,846
2020	$5,233,439	$4,575,271	$85,386,078	$658,168
2019	$5,823,808	$4,585,208	$71,647,443	$1,238,600
2018	$5,731,857	$4,515,952	$65,029,715	$1,215,905