GEORGIA GUARD CREDIT UNION (EIN 582323817) - 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

1990

Legal Domicile

Principal Officer

AMY TOOKER

Phone

4787419502

Tax Period

2024-01-01 to 2024-12-31

GEORGIA GUARD CREDIT UNION, founded in 1990, is a small nonprofit that reported $330K in total revenue in fiscal year 2024. Revenue decreased 10% compared to the prior year. Expenses of $383K exceeded revenue, resulting in a 16% operating deficit.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $309,518

Investment Income $25,259

Other Revenue $-4,481

TOTAL REVENUE $330,296

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,784

Fundraising Expenses $0

Program Expenses $382,812

Other Expenses $185,028

TOTAL EXPENSES $382,812

Year-over-Year Comparison

	2024	2023	Change
Revenue	$330,296	$366,806	-0.1%
Expenses	$382,812	$360,610	+0.1%
Net Income	$-52,516	$6,196	-9.5%

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

$64,800

Total Directors

$25,755

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY TOOKER	PRESIDENT/CE	40.00	Officer	$60,000	$4,800	$64,800
BETTY SUE ADAMS	BOARD MEMBER	1.00	Director	$25,755	$0	$25,755
ANTHONY DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
MELONY DAVIS	BOD/SC MEM	1.00	Director	$0	$0	$0
CHARLES ERIC EVERETT	BOD/SC CHAIR	1.00	Director	$0	$0	$0
MICHELLE LEAVINS	BOARD SECRET	1.00	Director	$0	$0	$0
THOMAS TJ SMITH	BOD/SC MEM	1.00	Director	$0	$0	$0
MARK THOMPSON	BOARD CHAIR	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
2024	$330,296	$382,812	$3,519,683	$-52,516
2023	$366,806	$360,610	$3,860,437	$6,196
2022	$371,383	$311,148	$3,984,661	$60,235
2021	$243,583	$289,875	$4,674,077	$-46,292
2020	$250,068	$355,629	$4,412,560	$-105,561
2019	$320,082	$321,835	$4,083,589	$-1,753
2018	$316,854	$291,016	$4,291,455	$25,838

GEORGIA GUARD CREDIT UNION