TENNESSEE CREDIT UNION LEAGUE

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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

1934

Legal Domicile

Principal Officer

FRED ROBINSON

Phone

4238992425

Tax Period

2025-01-01 to 2025-12-31

TENNESSEE CREDIT UNION LEAGUE, founded in 1934, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2025. Expenses of $2.1M exceeded revenue, resulting in a 30% operating deficit.

Mission

THE PURPOSE OF THE TRADE ASSOCIATION IS TO PROVIDE AN ORGANIZED AND AUTHORITATIVE VOICE FOR THE CREDIT UNIONS OF TENNESSEE IN DEALING WITH REGULATORY ISSUES? PROVIDING EDUCATION AND TRAINING NECESSARY FOR AN EFFECTIVE CREDIT UNION MOVEMENT? AND PROVIDING OTHER NEEDED SERVICES.

Program Service Accomplishments

Program 1

TENNESSEE CREDIT UNION LEAGUE REPRESENTS APPROXIMATELY 130 MEMBER CREDIT UNIONS SERVED ON A STATEWIDE BASIS AND A REGIONAL BASIS THROUGH 7 REGIONAL CHAPTERS. MEMBERS HAVE ACCESS TO EDUCATIONAL...

TENNESSEE CREDIT UNION LEAGUE REPRESENTS APPROXIMATELY 130 MEMBER CREDIT UNIONS SERVED ON A STATEWIDE BASIS AND A REGIONAL BASIS THROUGH 7 REGIONAL CHAPTERS. MEMBERS HAVE ACCESS TO EDUCATIONAL PROGRAMS, MEETINGS, SERVICES AND INFORMATION.

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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 $1,154,131

Program Service Revenue $241,912

Investment Income $154,064

Other Revenue $37,958

TOTAL REVENUE $1,588,065

Expense Breakdown

Grants Paid $0

Salaries & Benefits $518,057

Fundraising Expenses $0

Other Expenses $1,545,479

TOTAL EXPENSES $2,063,536

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,588,065	$1,566,962	+0.0%
Expenses	$2,063,536	$1,950,293	+0.1%
Net Income	$-475,471	$-383,331	+0.2%

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

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

$501,867

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED E ROBINSON	President	40.00	Officer	$440,024	$61,843	$501,867
LAURA PARHAM	Chairman	1.00	Director	$0	$0	$0
JESSICA GROSTIC	Director	1.00	Director	$0	$0	$0
SHELLY BROWN	Secretary	1.00	Director	$0	$0	$0
RON SMITH	Director	1.00	Director	$0	$0	$0
JOEL FORBES	Director	1.00	Director	$0	$0	$0
CARTER RIDGWAY	Director	1.00	Director	$0	$0	$0
AMY BANKS	Director	1.00	Director	$0	$0	$0
BRIAN TROTTER	Treasurer	1.00	Director	$0	$0	$0
CRAIG ESRAEL	Director	1.00	Director	$0	$0	$0
CYNTHIA DUNN	Vice President	40.00	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	$1,588,065	$2,063,536	$7,173,903	$-475,471
2024	$1,566,962	$1,950,293	$7,887,295	$-383,331
2023	$1,440,898	$1,813,741	$7,780,934	$-372,843
2022	$1,684,557	$1,863,703	$7,706,386	$-179,146
2021	$1,919,016	$1,632,292	$8,801,244	$286,724
2020	$988,999	$1,344,379	$8,011,476	$-355,380
2019	$1,869,306	$1,551,386	$7,400,020	$317,920
2018	$1,563,745	$1,312,232	$6,848,153	$251,513