Family First Credit Union (EIN 580250755) - 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

1930

Legal Domicile

Principal Officer

S Adam Stovall

Phone

4047684980

Tax Period

2025-01-01 to 2025-12-31

Family First Credit Union, founded in 1930, is a community nonprofit that reported $7.6M in total revenue in fiscal year 2025. Expenses of $7.3M left a modest 3% surplus.

Mission

Providing financial services thrift savings and lending to member owners of the cooperative.

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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 $6,542,000

Investment Income $1,011,828

Other Revenue $0

TOTAL REVENUE $7,553,828

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,338,222

Fundraising Expenses $0

Program Expenses $0

Other Expenses $3,966,267

TOTAL EXPENSES $7,304,489

Year-over-Year Comparison

	2025	2024	Change
Revenue	$7,553,828	$7,294,421	+0.0%
Expenses	$7,304,489	$7,105,087	+0.0%
Net Income	$249,339	$189,334	+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

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

$755,559

Total Directors

$374,686

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephen Smith	President and CEO	40.00	Officer Director	$241,686	$133,000	$374,686
Carylon Brown	Director and Secretary	1.00	Director	$0	$0	$0
Rosa Durrah	Director	1.00	Director	$0	$0	$0
Dan Gillette	Director	1.00	Director	$0	$0	$0
David Helton	Director	1.00	Director	$0	$0	$0
Brenda Bridges-Ward	Director and Chair	1.00	Director	$0	$0	$0
Pat McBurnett	Director	1.00	Director	$0	$0	$0
Marvin Reddish	Director Emeritus	1.00	Director	$0	$0	$0
Louis Kennedy	Director	1.00	Director	$0	$0	$0
Adam Stovall	EVP and CFO	40.00	Officer	$163,228	$0	$163,228
Kimberly Echols	COO	40.00	Officer	$119,914	$0	$119,914
Wayne Pike	CIO	40.00	Officer	$97,731	$0	$97,731
James Helms	Director	1.00	Director	$0	$0	$0
John Anderson	Director and Vice-Chair	1.00	Director	$0	$0	$0
Gonzalo La Cava	Director	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	$7,553,828	$7,304,489	$131,718,231	$249,339
2024	No data	No data	No data	No data
2023	$7,699,632	$6,466,689	$129,774,916	$1,232,943
2022	$6,081,571	$5,294,442	$137,596,957	$787,129
2021	$5,167,043	$4,856,663	$135,533,846	$310,380
2020	$5,338,583	$4,937,494	$124,508,605	$401,089
2019	$6,497,152	$5,702,833	$102,899,466	$794,319
2018	$5,536,650	$4,970,770	$108,123,956	$565,880

Family First Credit Union