GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNION (EIN 586035516) - 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

CARRIE HAND

Phone

9122646325

Tax Period

2025-01-01 to 2025-12-31

GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNION, founded in 1953, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $317K, a strong 25% 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 $961,283

Investment Income $179,080

Other Revenue $150,788

TOTAL REVENUE $1,291,151

Expense Breakdown

Grants Paid $0

Salaries & Benefits $377,501

Fundraising Expenses $0

Program Expenses $974,573

Other Expenses $597,072

TOTAL EXPENSES $974,573

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,291,151	$1,075,990	+0.2%
Expenses	$974,573	$991,749	0.0%
Net Income	$316,578	$84,241	+2.8%

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

$124,643

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARRIE HAND	CEO	40.00	Officer	$119,083	$5,560	$124,643
CURTIS BRUNJES	BOD/AC CHAIR	1.00	Officer Director	$0	$0	$0
NICHELLE MEWBORN	BOARD/AUD/CR	1.00	Officer Director	$0	$0	$0
FRED ALLEN	BOARD/AUD/CC	1.00	Officer Director	$0	$0	$0
DEBRA KELLEY	BOARD/AUD/CR	1.00	Officer Director	$0	$0	$0
CHRIS YANIK	BOARD/AUD/CR	1.00	Officer Director	$0	$0	$0
CHARLES NORMAN	BOARD CAHIR/	1.00	Officer 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	$1,291,151	$974,573	$21,528,323	$316,578
2024	$1,075,990	$991,749	$20,541,025	$84,241
2023	$906,555	$918,212	$21,559,456	$-11,657
2022	$911,897	$792,219	$21,141,481	$119,678
2021	$767,595	$720,789	$21,260,249	$46,806
2020	$760,588	$732,691	$19,928,989	$27,897
2019	$790,443	$708,577	$18,296,566	$81,866
2018	$722,189	$760,451	$17,635,691	$-38,262

GLYNN COUNTY FEDERAL EMPLOYEES CREDIT UNION