TNCONNECT CREDIT UNION (EIN 620262707) - 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

1924

Legal Domicile

Principal Officer

MARTIN T BRADLEY

Phone

8656882424

Tax Period

2025-01-01 to 2025-12-31

TNCONNECT CREDIT UNION, founded in 1924, is a community nonprofit that reported $4.8M in total revenue in fiscal year 2025. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $4.3M left a modest 10% surplus.

Mission

TNCONNECT CREDIT UNION IS A STATE-CHARTERED CREDIT UNION MUTUALLY OWNED BY 6,316 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES, MAINTAIN ACCOUNTS, AND TO MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED CURRENTLY FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.

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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 $4,828,666

Investment Income $0

Other Revenue $0

TOTAL REVENUE $4,828,666

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,446,980

Fundraising Expenses $0

Program Expenses $4,347,023

Other Expenses $2,900,043

TOTAL EXPENSES $4,347,023

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,828,666	$4,376,486	+0.1%
Expenses	$4,347,023	$3,839,666	+0.1%
Net Income	$481,643	$536,820	-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

$298,151

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARTIN T BRADLEY	PRESIDENTCEO	50.00	Officer	$140,856	$0	$140,856
THOMAS LUMADUE	CHIEF TECHNOLOGY OFFICER	50.00	Officer	$80,920	$0	$80,920
SUZANNE SUMMERVILLE	CHIEF FINANCIAL OFFICER	50.00	Officer	$76,375	$0	$76,375
TIMOTHY SAWYER	BOARD CHAIRMAN	2.00	Director	$0	$0	$0
DANIEL GOLEACH	BOARD VICE CHAIRMAN	2.00	Director	$0	$0	$0
CHUCK BRANTLEY	BOARD SECRETARY	2.00	Director	$0	$0	$0
JOANN JETER	BOARD MEMBER	2.00	Director	$0	$0	$0
MELVIN TEASTER	BOARD TREASURER	2.00	Director	$0	$0	$0
RON HUTCHENS	BOARD MEMBER	2.00	Director	$0	$0	$0
CASSIDY CARROLL	BOARD MEMBER	2.00	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	$4,828,666	$4,347,023	$85,995,229	$481,643
2024	No data	No data	No data	No data
2023	$3,655,647	$3,302,039	$74,176,341	$353,608
2022	$3,064,616	$2,850,163	$77,728,629	$214,453
2021	$3,238,236	$2,760,019	$77,527,964	$478,217
2020	$3,075,596	$2,838,063	$67,708,127	$237,533
2019	$2,808,922	$2,678,813	$55,826,599	$130,109
2018	$2,684,727	$2,585,810	$54,269,189	$98,917

TNCONNECT CREDIT UNION