MACON-BIBB EMPLOYEES CREDIT UNION (EIN 586043601) - 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

1951

Legal Domicile

Phone

4782191163

Tax Period

2023-01-01 to 2023-12-31

MACON-BIBB EMPLOYEES CREDIT UNION, founded in 1951, is a small nonprofit that reported $269K in total revenue in fiscal year 2023. Expenses of $300K exceeded revenue, resulting in a 11% operating deficit.

Mission

Macon-Bibb Employees Credit Union provides financial services. The services include account and loan services.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $211,472

Investment Income $29,532

Other Revenue $28,105

TOTAL REVENUE $269,109

Expense Breakdown

Grants Paid $0

Salaries & Benefits $109,359

Fundraising Expenses $0

Program Expenses $299,734

Other Expenses $160,335

TOTAL EXPENSES $299,734

Year-over-Year Comparison

	2023	2022	Change
Revenue	$269,109	$277,467	0.0%
Expenses	$299,734	$295,017	+0.0%
Net Income	$-30,625	$-17,550	+0.7%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
Wanzina Jackson	Board Chairperson	Officer	$0	$0	$0
Rose Krakoski	Audit Committee Chairperson	Officer	$0	$0	$0
Sandra Hill	Credit Committee Chairperson	Officer	$0	$0	$0
Willie Johnson	Board Officer	Officer	$0	$0	$0
Sarita Hill	Board Officer	Officer	$0	$0	$0
Robert Fuller	Personnel Committee Chairperson	Officer	$0	$0	$0
Carolyn Mitchell	Board Officer	Officer	$0	$0	$0
Benjamin Hubbard	Board Vice Chairperson	Officer	$0	$0	$0
Tonnie Williams	Board Secretary	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$269,109	$299,734	$3,586,960	$-30,625
2022	$277,467	$295,017	$3,802,171	$-17,550
2021	$245,315	$278,671	$3,840,636	$-33,356
2020	$237,952	$250,554	$3,772,434	$-12,602

MACON-BIBB EMPLOYEES CREDIT UNION