NUCOR EMPLOYEES 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

1962

Legal Domicile

Principal Officer

MATTHEW CHAPPELL

Phone

8436654668

Tax Period

2025-01-01 to 2025-12-31

NUCOR EMPLOYEES CREDIT UNION, founded in 1962, is a community nonprofit that reported $4.1M in total revenue in fiscal year 2025. The organization ran a surplus of $1.3M, a strong 32% operating margin.

Mission

STATE CHARTERED CREDIT UNION

Program Service Accomplishments

Program 1

Expenses: $2,644,438

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 $3,219,344

Investment Income $910,367

Other Revenue $0

TOTAL REVENUE $4,129,711

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,210,471

Fundraising Expenses $0

Program Expenses $2,644,438

Other Expenses $1,596,476

TOTAL EXPENSES $2,806,947

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,129,711	$4,155,812	0.0%
Expenses	$2,806,947	$2,408,131	+0.2%
Net Income	$1,322,764	$1,747,681	-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

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

$64,372

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATTHEW CHAPPELL	MANAGER/CEO	40.00	Officer	$64,372	$0	$64,372
PHILIP ALEXANDER	VICE PRESIDE	1.00	Director	$0	$0	$0
STARLET BRITT	PRESIDENT	1.00	Director	$0	$0	$0
LEO CHAPMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
ROGER LANE	SECRETARY	1.00	Director	$0	$0	$0
KATRINA QUILLEN	BOARD MEMBER	1.00	Director	$0	$0	$0
ANNETTE WARD	TREASURER	1.00	Director	$0	$0	$0
TERRY WHITE	BOARD MEMBER	1.00	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	$4,129,711	$2,806,947	$67,279,978	$1,322,764
2024	No data	No data	No data	No data
2023	$3,875,951	$2,130,309	$61,620,679	$1,745,642
2022	$2,719,601	$2,006,372	$63,172,902	$713,229
2021	$2,218,701	$1,904,492	$58,608,971	$314,209
2020	$2,124,914	$1,900,316	$53,559,837	$224,598
2019	$2,515,777	$1,829,012	$42,355,937	$686,765
2018	$2,292,103	$1,894,522	$40,697,916	$397,581