TRU FI CREDIT UNION

EIN: 591283488 Public & Societal Benefit

MACCLENNY, FL

Total Revenue
$7,665,148
Total Expenses
$5,895,833
Total Assets
$122,567,643
Net Assets
$10,875,519
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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
1967
Legal Domicile
FL
Tax Period
2023-01-01 to 2023-12-31

TRU FI CREDIT UNION, founded in 1967, is a community nonprofit in the Public & Societal Benefit sector that reported $7.7M in total revenue in fiscal year 2023. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.8M, a strong 23% operating margin.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $4,872,752
Investment Income $900,771
Other Revenue $1,891,625
TOTAL REVENUE $7,665,148

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,991,455
Fundraising Expenses $0
Program Expenses $5,895,833
Other Expenses $3,904,378
TOTAL EXPENSES $5,895,833

Year-over-Year Comparison

2023 2022 Change
Revenue $7,665,148 $6,087,697 +0.3%
Expenses $5,895,833 $5,127,094 +0.1%
Net Income $1,769,315 $960,603 +0.8%
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

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Governance

Voting Members
7
Independent Members
7
Employees
36
Volunteers
9

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
2
$280,042
Total Directors
10
$97,611
Key Employees
1
$182,431
Highest Compensated
2
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
ANITA W CREWS PRESIDENT CEO 50.00
Officer Key Emp
$155,555 $26,876 $182,431
ANGIE DRURY CFO 40.00
Officer Director
$93,240 $4,371 $97,611
WADE JOHNSON VP LENDING 40.00
Highest
$87,129 $5,117 $92,246
RACHEL SELF VP OPERATIONS 40.00
Highest
$80,296 $4,284 $84,580
GEORGE KNABB BOARD MEMBER 2.50
Director
$0 $0 $0
DEANNA DINKINS SUPERVISORY COMM MEMBER 2.50
Director
$0 $0 $0
DONALD HAGAN BOARD MEMBER 2.50
Director
$0 $0 $0
LANCE MCCUBBIN SECRETARYTREASURER 2.50
Director
$0 $0 $0
MICHAEL STOKES VICE CHAIRPERSON 2.50
Director
$0 $0 $0
MICHAEL GRIFFIS CHAIRPERSON 2.50
Director
$0 $0 $0
BRIAN DOPSON BOARD MEMBER 2.50
Director
$0 $0 $0
MARIE BELL SUPERVISORY COMM CHAIRPERSON 2.50
Director
$0 $0 $0
JOEL BARBER BOARD MEMBER 2.50
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 No data No data No data No data
2024 No data No data No data No data
2023 $7,665,148 $5,895,833 $122,567,643 $1,769,315
2022 $6,087,697 $5,127,094 $127,715,709 $960,603
2021 $5,796,481 $5,177,335 $125,221,588 $619,146
2020 $5,987,637 $5,318,035 $110,035,709 $669,602
2019 $6,054,590 $4,725,594 $89,566,013 $1,328,996
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