CGR CREDIT UNION (EIN 581122970) - 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

1971

Legal Domicile

Principal Officer

CLINT HARPER

Phone

4787450494

Tax Period

2025-01-01 to 2025-12-31

CGR CREDIT UNION, founded in 1971, is a community nonprofit in the Public & Societal Benefit sector that reported $8.8M in total revenue in fiscal year 2025. The organization ran a surplus of $2.0M, a strong 23% operating margin.

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 $5,630,735

Investment Income $1,864,082

Other Revenue $1,301,507

TOTAL REVENUE $8,796,324

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,536,233

Fundraising Expenses $0

Program Expenses $6,791,882

Other Expenses $4,255,648

TOTAL EXPENSES $6,791,881

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,796,324	$8,246,945	+0.1%
Expenses	$6,791,881	$6,456,559	+0.1%
Net Income	$2,004,443	$1,790,386	+0.1%

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

$258,922

Total Directors

$258,922

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLINT HARPER	CEO/ALCO MEM	40.00	Officer Director	$216,091	$42,831	$258,922
KEVIN CARTER	BOD CHAIR	1.00	Director	$0	$0	$0
RICHARD JONES	BOD VICECH/A	1.00	Director	$0	$0	$0
JAMES BRYSON	BOD SEC/AUDC	1.00	Director	$0	$0	$0
PAUL BARKLEY	BOARD MEM	1.00	Director	$0	$0	$0
ROBERTA PERMENTER	BOARD MEM/AL	1.00	Director	$0	$0	$0
GINA KEADLE	BOD MEM/AUD	1.00	Director	$0	$0	$0
KENAN HODGES	BOARD MEMBER	1.00	Director	$0	$0	$0
CATHY PATTERSON	AUDIT COMMIT	1.00	Officer	$0	$0	$0
JUDY WARE	AUDIT COM ME	1.00	Officer	$0	$0	$0
KAREN FARR	AUDIT COM ME	1.00	Officer	$0	$0	$0
STEPHANIE PARKER	AUDIT COM ME	1.00	Officer	$0	$0	$0
SUSAN CRAIG	AUDIT COM ME	1.00	Officer	$0	$0	$0
GENEEN RANSAW	AUDIT COM ME	1.00	Officer	$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	$8,796,324	$6,791,881	$117,190,819	$2,004,443
2024	No data	No data	No data	No data
2023	$7,339,107	$5,935,134	$113,694,844	$1,403,973
2022	$6,221,996	$4,981,348	$113,701,166	$1,240,648
2021	$5,356,650	$4,678,472	$116,663,240	$678,178
2020	$5,614,753	$4,971,530	$109,579,321	$643,223
2019	$6,731,698	$5,376,273	$92,762,298	$1,355,425
2018	$6,522,109	$5,231,032	$90,489,769	$1,291,077

CGR CREDIT UNION