NASHVILLE FIREMEN'S CREDIT UNION (EIN 620304643) - 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

DONYA JOHNSON

Phone

6152263473

Tax Period

2023-01-01 to 2023-12-31

NASHVILLE FIREMEN'S CREDIT UNION, founded in 1932, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2023. Revenue surged 27% from the prior year, signaling strong growth momentum. The organization ran a surplus of $466K, a strong 27% operating margin.

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,424,647

Investment Income $162,806

Other Revenue $163,226

TOTAL REVENUE $1,750,679

Expense Breakdown

Grants Paid $0

Salaries & Benefits $440,849

Fundraising Expenses $0

Program Expenses $1,284,239

Other Expenses $843,390

TOTAL EXPENSES $1,284,239

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,750,679	$1,380,918	+0.3%
Expenses	$1,284,239	$1,138,226	+0.1%
Net Income	$466,440	$242,692	+0.9%

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

$81,135

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONYA JOHNSON	CEO	40.00	Officer	$79,365	$1,770	$81,135
CHARLES MADDEN	BOARD CHAIRM	1.00	Director	$0	$0	$0
RONALD ADDIS KENDALL	BOARD 1ST VI	1.00	Director	$0	$0	$0
MICKEY NOLAN	BOARD 2ND VI	1.00	Director	$0	$0	$0
JASON FULTS	BOARD SECRET	1.00	Director	$0	$0	$0
PHILLIP BARBER	BOARD TREASU	1.00	Director	$0	$0	$0
RICH DELMOTTE	CREDIT COMM	1.00	Officer	$0	$0	$0
JESSE JONES	CREDIT COMM	1.00	Officer	$0	$0	$0
TERESA CRUM	CREDIT COMM	1.00	Officer	$0	$0	$0
GARY MOORE SR	CREDIT COMM	1.00	Officer	$0	$0	$0
JAMES BAKER	CREDIT COMM	1.00	Officer	$0	$0	$0
MOSES JEFFERIES	SUPERVISORYC	1.00	Officer	$0	$0	$0
ROBERT NEESE	SUPERVISORY	1.00	Officer	$0	$0	$0
CHARLES SCOTT	SUPERVISORYC	1.00	Officer	$0	$0	$0
MATT TIDWELL	SUPERVISORY	1.00	Officer	$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	$1,750,679	$1,284,239	$34,155,143	$466,440
2022	$1,380,918	$1,138,226	$31,550,213	$242,692
2021	$1,247,730	$996,515	$31,665,778	$251,215
2020	$1,234,083	$977,944	$30,285,026	$256,139
2019	$1,245,435	$969,915	$25,308,086	$275,520
2018	$1,192,913	$938,140	$24,706,848	$254,773

NASHVILLE FIREMEN'S CREDIT UNION