CALHOUN-LIBERTY CREDIT UNION (EIN 590991497) - 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

1957

Legal Domicile

Principal Officer

THOMAS FLOWERS

Phone

8506744527

Tax Period

2025-01-01 to 2025-12-31

CALHOUN-LIBERTY CREDIT UNION, founded in 1957, is a mid-sized nonprofit that reported $12.6M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $10.9M left a modest 13% surplus.

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 $9,463,706

Investment Income $1,380,549

Other Revenue $1,740,739

TOTAL REVENUE $12,584,994

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,271,609

Fundraising Expenses $0

Program Expenses $10,931,570

Other Expenses $7,659,961

TOTAL EXPENSES $10,931,570

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,584,994	$11,490,747	+0.1%
Expenses	$10,931,570	$10,280,070	+0.1%
Net Income	$1,653,424	$1,210,677	+0.4%

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

$878,182

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS FLOWERS	CEO	40.00	Officer	$337,417	$55,695	$393,112
TERRI WALDON	COO	40.00	Officer	$165,537	$32,302	$197,839
SHELLY BURNS	CLO	40.00	Officer	$134,287	$14,802	$149,089
JOHNNY O'HARE	CFO	40.00	Officer	$125,577	$12,565	$138,142
ANNIE JO DAWSON	BOD CHAIR	1.00	Director	$0	$0	$0
JUSTIN FORD	BOD	1.00	Director	$0	$0	$0
JUDY FRANKLIN	BOD SECRETAR	1.00	Officer Director	$0	$0	$0
DENNY GEORGE	BOD	1.00	Director	$0	$0	$0
DANNY HASSIG JR	BOD VICE CHA	1.00	Director	$0	$0	$0
DIANE LONG	BOD TREAS/AC	1.00	Officer Director	$0	$0	$0
CHERYL ROGERS	BOARD	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	$12,584,994	$10,931,570	$172,198,621	$1,653,424
2025	$12,584,994	$10,931,570	$172,198,621	$1,653,424
2024	No data	No data	No data	No data
2023	$7,862,743	$6,453,998	$123,153,567	$1,408,745
2022	$5,518,385	$4,295,862	$108,741,379	$1,222,523
2021	$4,607,880	$3,896,867	$86,884,903	$711,013
2020	$3,826,141	$3,333,449	$78,400,640	$492,692
2019	$3,450,769	$2,969,230	$62,408,141	$481,539
2018	$2,703,574	$2,354,879	$59,966,708	$348,695
2017	$2,240,697	$1,835,732	$40,023,769	$404,965

CALHOUN-LIBERTY CREDIT UNION