COMBINED EMPLOYEES CREDIT UNION (EIN 581123738) - 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

1969

Legal Domicile

Principal Officer

ROBERT T GLORE JR

Phone

4789295700

Tax Period

2025-01-01 to 2025-12-31

COMBINED EMPLOYEES CREDIT UNION, founded in 1969, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. Expenses of $1.3M left a modest 7% surplus.

Mission

STATE CHARTERED CREDIT UNION.

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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 $15,338

Program Service Revenue $1,256,447

Investment Income $85,700

Other Revenue $0

TOTAL REVENUE $1,357,485

Expense Breakdown

Grants Paid $0

Salaries & Benefits $560,715

Fundraising Expenses $0

Other Expenses $701,131

TOTAL EXPENSES $1,261,846

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,357,485	$1,272,588	+0.1%
Expenses	$1,261,846	$1,287,009	0.0%
Net Income	$95,639	$-14,421	-7.6%

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

$117,606

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT T GLORE JR	CEO	40.00	Officer	$117,606	$0	$117,606
JOSEPH ANTHONY BOYST	DIRECTOR	N/A	Director	$0	$0	$0
ANDREW EDWARDS	DIRECTOR	N/A	Officer Director	$0	$0	$0
DARIN MEADOWS	DIRECTOR	N/A	Director	$0	$0	$0
CHARLIE SCOTT	DIRECTOR	N/A	Director	$0	$0	$0
LAWRENCE SPURGEON	DIRECTOR	N/A	Director	$0	$0	$0
RANDALL BANKS	SECRETARY	N/A	Officer	$0	$0	$0
RICKY HARLOW	CHAIRMAN	N/A	Officer	$0	$0	$0
CHARLES HOLT JR	VICE CHAIRMA	N/A	Officer	$0	$0	$0
JAMES THIGPEN	TREASURER	N/A	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	$1,357,485	$1,261,846	$17,313,252	$95,639
2024	$1,272,588	$1,287,009	$16,641,340	$-14,421
2023	$1,065,113	$998,744	$15,650,159	$66,369
2022	$1,000,262	$791,342	$13,783,625	$208,920
2021	$776,114	$722,937	$13,326,903	$53,177
2020	$716,071	$721,418	$11,852,942	$-5,347
2019	$696,757	$754,095	$11,031,307	$-57,338
2018	$688,347	$812,398	$10,486,384	$-124,051

COMBINED EMPLOYEES CREDIT UNION