JACKSON COUNTY 1ST CREDIT UNION (EIN 590994379) - 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

VALENA ALEXANDER

Phone

8505264470

Tax Period

2025-01-01 to 2025-12-31

JACKSON COUNTY 1ST CREDIT UNION, founded in 1991, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2025. Expenses of $2.3M left a modest 6% 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 $1,536,341

Investment Income $762,796

Other Revenue $134,849

TOTAL REVENUE $2,433,986

Expense Breakdown

Grants Paid $0

Salaries & Benefits $825,078

Fundraising Expenses $0

Program Expenses $2,293,093

Other Expenses $1,468,014

TOTAL EXPENSES $2,293,092

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,433,986	$2,256,677	+0.1%
Expenses	$2,293,092	$1,922,815	+0.2%
Net Income	$140,894	$333,862	-0.6%

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

$292,518

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VALENA ALEXANDER	CEO	40.00	Officer	$209,143	$83,375	$292,518
EDDIE ELLIS	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF FOWLER	BOARD VICE C	1.00	Director	$0	$0	$0
CHRIS FRANKLIN	BOARD SECRET	1.00	Director	$0	$0	$0
LINDA NEEL	BOARD CHAIR	1.00	Director	$0	$0	$0
SUSAN TUCKER	BOARD TREASU	1.00	Director	$0	$0	$0
LORETTA BAKER	SUPERVISORY	1.00	Officer	$0	$0	$0
FLORA DAVIS	SUPERVISORY	1.00	Officer	$0	$0	$0
JOAN MILLER	SUPERVISORY	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	$2,433,986	$2,293,092	$47,340,897	$140,894
2024	$2,256,677	$1,922,815	$42,265,930	$333,862
2023	$1,981,206	$1,804,733	$40,708,730	$176,473
2022	$1,924,592	$1,721,081	$40,932,332	$203,511
2021	$1,876,829	$1,696,698	$41,372,065	$180,131
2020	$1,866,807	$1,746,912	$37,457,074	$119,895
2019	$2,048,809	$1,880,548	$34,572,256	$168,261
2018	$1,922,843	$1,845,651	$35,452,606	$77,192
2017	$1,842,154	$1,535,445	$26,546,955	$306,709

JACKSON COUNTY 1ST CREDIT UNION