MARSHLAND CREDIT UNION (EIN 580872500) - 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

1953

Legal Domicile

Principal Officer

MARY JENRETTE

Phone

9122792000

Tax Period

2025-01-01 to 2025-12-31

MARSHLAND CREDIT UNION, founded in 1953, is a mid-sized nonprofit in the Public & Societal Benefit sector that reported $16.8M in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $15.6M left a modest 7% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 $12,588,917

Investment Income $1,839,774

Other Revenue $2,398,914

TOTAL REVENUE $16,827,605

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,142,026

Fundraising Expenses $0

Program Expenses $15,638,457

Other Expenses $9,496,430

TOTAL EXPENSES $15,638,456

Year-over-Year Comparison

	2025	2024	Change
Revenue	$16,827,605	$14,991,816	+0.1%
Expenses	$15,638,456	$13,810,805	+0.1%
Net Income	$1,189,149	$1,181,011	+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

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

$367,868

Total Directors

$367,868

Key Employees

$202,531

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY JENRETTE	PRES/CEO/BOD	40.00	Officer Director	$305,985	$61,883	$367,868
MILLIE RAY	COO	40.00	Key Emp	$186,020	$16,511	$202,531
JUSTIN CALLAWAY	SVP OF FINAN	40.00	Highest	$132,951	$48,394	$181,345
CHRIS MCNEAL	SVP/LENDING	40.00	Highest	$145,251	$24,204	$169,455
JOSHUA STEPHENS	VP OF IT	40.00	Highest	$128,507	$26,108	$154,615
ROBERT STRANGE	SR LOAN OFFI	40.00	Highest	$131,222	$22,796	$154,018
BOBBIE BLOUNT	ADMIN EXC	40.00	Highest	$109,339	$20,900	$130,239
JIM ANDERSEN	BOD VICE CHA	1.00	Officer Director	$0	$0	$0
DELRIA BAISDEN	BOARD MEM	1.00	Director	$0	$0	$0
JOHN CATRON	BOARD MEM	1.00	Director	$0	$0	$0
ORION DOUGLAS	BOD/AC MEM	1.00	Director	$0	$0	$0
KATHY GRACE	BOD TREAS/AC	1.00	Officer Director	$0	$0	$0
PAUL MCKENZIE	BOD CHAIR/AC	1.00	Officer Director	$0	$0	$0
ALAN VOLSKAY	BOARD MEM	1.00	Director	$0	$0	$0
SHANNON WEBB	BOARD MEM	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	$16,827,605	$15,638,456	$271,370,012	$1,189,149
2024	$14,991,816	$13,810,805	$246,722,957	$1,181,011
2023	$12,935,803	$11,584,465	$222,618,305	$1,351,338
2022	$10,375,545	$10,001,804	$202,763,566	$373,741
2021	$9,638,703	$8,584,782	$202,229,939	$1,053,921
2020	$9,165,369	$8,940,293	$179,205,295	$225,076

MARSHLAND CREDIT UNION