ROME KRAFT EMPLOYEES CREDIT UNION (EIN 586035584) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

TIFFANY HOWERTON

Phone

7062959027

Tax Period

2025-01-01 to 2025-12-31

ROME KRAFT EMPLOYEES CREDIT UNION, founded in 1955, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2025. The organization ran a surplus of $319K, a strong 23% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,073,332

Investment Income $237,451

Other Revenue $68,603

TOTAL REVENUE $1,379,386

Expense Breakdown

Grants Paid $0

Salaries & Benefits $312,628

Fundraising Expenses $0

Program Expenses $1,060,702

Other Expenses $748,074

TOTAL EXPENSES $1,060,702

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,379,386	$1,293,088	+0.1%
Expenses	$1,060,702	$1,085,598	0.0%
Net Income	$318,684	$207,490	+0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$107,691

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIFFANY HOWERTON	PRESIDENT/CE	40.00	Officer	$100,739	$6,952	$107,691
JUDY BOWLES	BOD/INV/AUD	1.00	Officer Director	$0	$0	$0
KEVIN EVANS	BOD AND CRED	1.00	Director	$0	$0	$0
STEPHEN PAYTON	BOD/AUD COMM	1.00	Director	$0	$0	$0
HARRY RAY	BOD/AUD COM	1.00	Officer Director	$0	$0	$0
DENNIS SLOMAN	VICE CHAIR/I	1.00	Officer Director	$0	$0	$0
PATRICIA THOMPSON	BOARD CHAIRP	1.00	Director	$0	$0	$0
MAC WILSON	BOD/CREDIT C	1.00	Officer Director	$0	$0	$0
MARSHALL BAILEY	CREDIT COMMI	1.00	Officer	$0	$0	$0
CHUCK EVANS	CREDIT COMM	1.00	Officer	$0	$0	$0
ADAM ROBERTSON	CREDIT COMMI	1.00	Officer	$0	$0	$0
BRENDA TRAPP	CREDIT COMMI	1.00	Officer	$0	$0	$0
ROBERT WILLIAMSON	CREDIT COMMI	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	$1,379,386	$1,060,702	$22,630,325	$318,684
2024	No data	No data	No data	No data
2023	$1,065,022	$793,615	$21,521,085	$271,407
2022	$825,277	$596,595	$19,941,445	$228,682
2021	$699,846	$529,358	$18,918,144	$170,488
2020	$729,739	$591,931	$18,192,506	$137,808

ROME KRAFT EMPLOYEES CREDIT UNION