SOUTHERN PINE CREDIT UNION (EIN 586035178) - 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

1991

Legal Domicile

Principal Officer

PATRICIA SHARPE

Phone

2295593311

Tax Period

2025-01-01 to 2025-12-31

SOUTHERN PINE CREDIT UNION, founded in 1991, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2025. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.0M, a strong 61% 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 $897,846

Investment Income $414,631

Other Revenue $2,041,568

TOTAL REVENUE $3,354,045

Expense Breakdown

Grants Paid $0

Salaries & Benefits $508,771

Fundraising Expenses $0

Program Expenses $1,319,066

Other Expenses $810,295

TOTAL EXPENSES $1,319,066

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,354,045	$1,664,139	+1.0%
Expenses	$1,319,066	$1,245,614	+0.1%
Net Income	$2,034,979	$418,525	+3.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT ARTLEY	BOARD SEC	N/A	Director	$0	$0	$0
JIMMY BRIDGES	BOARD MEM/AC	N/A	Officer Director	$0	$0	$0
CAMERON ENGSKOW	BOARD VICE C	N/A	Director	$0	$0	$0
ED MARTIN	BOD MEM/AC C	N/A	Officer Director	$0	$0	$0
CALE O'NEAL	BOARD MEM	N/A	Director	$0	$0	$0
TYLLA WILLIAMS	BOARD MEM/AC	N/A	Officer Director	$0	$0	$0
RUSTY YOUNGBLOOD	BOARD CHAIR	N/A	Director	$0	$0	$0
PATRICIA SHARPE	PRES & CEO	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	$3,354,045	$1,319,066	$29,903,760	$2,034,979
2024	$1,664,139	$1,245,614	$31,232,122	$418,525
2023	$1,654,296	$1,255,583	$33,916,513	$398,713
2022	$1,359,998	$1,020,319	$39,769,782	$339,679
2021	$1,427,859	$1,008,246	$42,004,831	$419,613
2018	$1,687,252	$1,462,771	$44,785,099	$224,481

SOUTHERN PINE CREDIT UNION