CITY EMPLOYEES CREDIT UNION (EIN 620160633) - 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

1932

Legal Domicile

Principal Officer

JAMES CARROLL

Phone

8658247200

Tax Period

2025-01-01 to 2025-12-31

CITY EMPLOYEES CREDIT UNION, founded in 1932, is a community nonprofit in the Public & Societal Benefit sector that reported $6.0M in total revenue in fiscal year 2025. The organization ran a surplus of $2.1M, a strong 35% operating margin.

Mission

CREDIT UNION - TO PROVIDE 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 $3,662,513

Investment Income $1,998,697

Other Revenue $346,710

TOTAL REVENUE $6,007,920

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,589,922

Fundraising Expenses $0

Program Expenses $3,898,333

Other Expenses $2,308,410

TOTAL EXPENSES $3,898,332

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,007,920	$6,078,598	0.0%
Expenses	$3,898,332	$3,688,593	+0.1%
Net Income	$2,109,588	$2,390,005	-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

$249,470

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DOTTY CHURCH	VP OPERATION	40.00	Officer	$79,312	$18,313	$97,625
JAMES CARROLL	PRESIDENT/CE	40.00	Officer	$129,688	$22,157	$151,845
CHRIS CUNNINGHAM	BOARD CHAIR	1.00	Director	$0	$0	$0
WAYNE G ROACH	BOARD TREASU	1.00	Director	$0	$0	$0
ROBIN SHELTON	BOARD MEMBER	1.00	Director	$0	$0	$0
DARRIN RHINES	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK PARKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHEVILLE C LEWIS	BOARD VICE C	1.00	Director	$0	$0	$0
CAROL C MAHLER	BOARD SECRET	1.00	Director	$0	$0	$0
KENDALL STILES	BOARD MEMBER	1.00	Director	$0	$0	$0
DALE MADDOX	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	$6,007,920	$3,898,332	$119,098,303	$2,109,588
2024	$6,078,598	$3,688,593	$114,318,302	$2,390,005
2023	$5,291,421	$3,525,955	$111,499,745	$1,765,466
2022	$3,764,602	$2,788,394	$115,184,262	$976,208
2021	$3,450,486	$2,622,286	$108,210,538	$828,200
2020	$3,506,358	$2,817,350	$95,389,073	$689,008
2019	$3,701,046	$2,901,750	$82,216,414	$799,296
2018	$3,357,794	$2,636,527	$81,049,260	$721,267

CITY EMPLOYEES CREDIT UNION