CHATTANOOGA FEDERAL EMPLOYEES CREDIT UNION (EIN 620156027) - 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

1925

Principal Officer

MARK FRAKER

Phone

4238923738

Tax Period

2025-01-01 to 2025-12-31

CHATTANOOGA FEDERAL EMPLOYEES CREDIT UNION, founded in 1925, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $3.5M 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 $2,764,653

Investment Income $1,053,845

Other Revenue $212,004

TOTAL REVENUE $4,030,502

Expense Breakdown

Grants Paid $0

Salaries & Benefits $749,108

Fundraising Expenses $0

Program Expenses $3,488,738

Other Expenses $2,739,630

TOTAL EXPENSES $3,488,738

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,030,502	$3,714,111	+0.1%
Expenses	$3,488,738	$3,205,376	+0.1%
Net Income	$541,764	$508,735	+0.1%

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

$249,941

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK FRAKER	CEO	40.00	Officer	$161,593	$88,348	$249,941
JACK BORAN	BOARD CHAIR	1.00	Director	$0	$0	$0
JUDY MAHAFFEY	BOARD VICE C	1.00	Director	$0	$0	$0
NEAL DEKICH	BOARD SECRET	1.00	Director	$0	$0	$0
WILLIAM COMBS	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURA SHARP	BOARD MEMBER	1.00	Director	$0	$0	$0
MARTHA WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
BROOKE WEAVER	BOARD MEMBER	1.00	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	$4,030,502	$3,488,738	$73,551,558	$541,764
2024	$3,714,111	$3,205,376	$71,242,332	$508,735
2023	$3,020,838	$2,472,363	$65,716,328	$548,475
2022	$2,162,079	$1,603,983	$64,263,581	$558,096
2021	$1,870,710	$1,416,316	$61,966,073	$454,394
2020	$1,971,466	$1,444,225	$56,278,964	$527,241
2019	$2,063,338	$1,558,366	$50,178,222	$504,972
2018	$1,833,119	$1,272,477	$45,304,314	$560,642

CHATTANOOGA FEDERAL EMPLOYEES CREDIT UNION