KEMBA LOUISVILLE CREDIT UNION (EIN 616027588) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1934

Legal Domicile

Principal Officer

MARK EDWARDS

Phone

5024591411

Tax Period

2025-01-01 to 2025-12-31

KEMBA LOUISVILLE CREDIT UNION, founded in 1934, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. Expenses of $2.7M left a modest 12% surplus.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,055,931

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,055,931

Expense Breakdown

Grants Paid $0

Salaries & Benefits $785,213

Fundraising Expenses $0

Other Expenses $1,473,598

TOTAL EXPENSES $2,695,487

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,055,931	$2,883,897	+0.1%
Expenses	$2,695,487	$2,637,933	+0.0%
Net Income	$360,444	$245,964	+0.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

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

$119,962

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY HEAD	PRESIDENTMANAGER	45.00	Officer	$119,962	$0	$119,962
JOSEPH CORDARO JR	TREASURER	0.50	Director	$0	$0	$0
FRANK POLION	BOARD MEMBER	0.50	Director	$0	$0	$0
STEPHEN WINE	SECRETARY	0.50	Director	$0	$0	$0
TOM STOKES	BOARD MEMBER	0.50	Director	$0	$0	$0
MARK EDWARDS	CHAIRMAN	0.50	Officer Director	$0	$0	$0
KRISTEN HODGES	BOARD MEMBER	0.50	Director	$0	$0	$0
DONALD DIEBOLD JR	BOARD MEMBER	0.50	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	$3,055,931	$2,695,487	$58,968,430	$360,444
2024	$2,883,897	$2,637,933	$58,271,372	$245,964
2023	$2,393,486	$2,238,037	$58,193,626	$155,449
2022	$2,096,245	$1,747,780	$61,617,658	$348,465
2021	$2,124,486	$1,915,341	$62,322,567	$209,145
2020	$2,258,678	$2,093,837	$60,313,709	$164,841
2019	$2,436,757	$2,159,334	$52,907,859	$277,423
2018	$2,315,584	$2,065,512	$51,670,771	$250,072

KEMBA LOUISVILLE CREDIT UNION