METRO EMPLOYEES CREDIT UNION (EIN 610599249) - 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

1940

Legal Domicile

Principal Officer

Piper Graham

Phone

8592583990

Tax Period

2023-01-01 to 2023-12-31

METRO EMPLOYEES CREDIT UNION, founded in 1940, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2023. Revenue surged 45% from the prior year, signaling strong growth momentum. The organization ran a surplus of $785K, a strong 26% operating margin.

Mission

Metro Employees Credit Union is a financial institution cooperative organized to provide loan and deposit products and services to its member owners.

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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 $2,374,376

Investment Income $641,117

Other Revenue $0

TOTAL REVENUE $3,015,493

Expense Breakdown

Grants Paid $0

Salaries & Benefits $886,686

Fundraising Expenses $0

Program Expenses $1,927,162

Other Expenses $1,344,156

TOTAL EXPENSES $2,230,842

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,015,493	$2,081,086	+0.4%
Expenses	$2,230,842	$1,886,003	+0.2%
Net Income	$784,651	$195,083	+3.0%

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

Total Directors

Key Employees

$164,150

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Piper Graham	President/Chief Executive Officer	40	Key Emp Highest	$140,050	$24,100	$164,150
John Gosper	Chairperson of the Board	1	Director	$0	$0	$0
Carolyn Smith	Vice Chairperson of the Board	1	Director	$0	$0	$0
Jasie Carroll	Treasurer of the Board	1	Director	$0	$0	$0
Eunice Ausby	Secretary of the Board	1	Director	$0	$0	$0
Pat Tatum	Director	1	Director	$0	$0	$0
Ed Givens	Director	1	Director	$0	$0	$0
James D Jackson	Director	1	Director	$0	$0	$0
Lindsay Luker Curd	Director	1	Director	$0	$0	$0
Doug Mitchell	Director	1	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	$3,015,493	$2,230,842	$45,048,762	$784,651
2022	$2,081,086	$1,886,003	$45,153,376	$195,083
2021	$2,045,889	$1,798,016	$43,838,329	$247,873
2020	$2,056,244	$1,891,497	$38,291,426	$164,747
2019	$2,180,517	$1,815,437	$33,029,086	$365,080
2018	$2,059,960	$1,594,174	$30,491,693	$465,786

METRO EMPLOYEES CREDIT UNION