KIMBERLY CLARK CREDIT UNION (EIN 620497719) - 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

1947

Legal Domicile

Principal Officer

JOEL FORBESS

Phone

9015214646

Tax Period

2025-01-01 to 2025-12-31

KIMBERLY CLARK CREDIT UNION, founded in 1947, is a community nonprofit that reported $8.7M in total revenue in fiscal year 2025. Expenses of $8.1M left a modest 7% 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 $6,039,887

Investment Income $1,951,376

Other Revenue $685,471

TOTAL REVENUE $8,676,734

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,497,743

Fundraising Expenses $0

Program Expenses $8,065,100

Other Expenses $5,567,357

TOTAL EXPENSES $8,065,100

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,676,734	$8,442,222	+0.0%
Expenses	$8,065,100	$8,051,832	+0.0%
Net Income	$611,634	$390,390	+0.6%

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

$211,188

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOEL FORBESS	PRESIDENT/CE	40.00	Officer	$180,251	$30,937	$211,188
N/A	BOARD CHAIRM	1.00	Director	$0	$0	$0
N/A	BOARD MEMBER	1.00	Director	$0	$0	$0
N/A	BOARD SECRET	1.00	Director	$0	$0	$0
N/A	BOARD TREASU	1.00	Director	$0	$0	$0
WARRIE WILLIAMS	BOARD MEMBER	1.00	Director	$0	$0	$0
CARLA RILEY	BOARD VICE C	1.00	Director	$0	$0	$0
DENA WORD	BOARD MEMBER	1.00	Director	$0	$0	$0
HAROLD ART FREY	ASSOCIATE DI	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	$8,676,734	$8,065,100	$142,694,057	$611,634
2024	$8,442,222	$8,051,832	$141,378,690	$390,390
2023	$7,706,688	$6,950,881	$134,933,119	$755,807
2022	$6,309,687	$5,309,200	$132,407,018	$1,000,487
2021	$5,711,936	$5,167,163	$129,520,651	$544,773
2020	$6,004,605	$5,440,544	$124,796,358	$564,061
2019	$6,330,119	$5,594,514	$114,983,411	$735,605
2018	$6,273,571	$5,170,106	$112,629,149	$1,103,465

KIMBERLY CLARK CREDIT UNION