US COMMUNITY CREDIT UNION (EIN 620517615) - 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

1949

Legal Domicile

Principal Officer

BEN JOHNSON

Phone

6152568712

Tax Period

2024-01-01 to 2024-12-31

US COMMUNITY CREDIT UNION, founded in 1949, is a mid-sized nonprofit that reported $21.4M in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $19.7M left a modest 8% surplus.

Mission

WE'LL ALWAYS BE THERE WITH EXCELLENT KNOWLEDGE AND OUTSTANDING SERVICE. WHENEVER YOU NEED US, WE'LL BE HERE. US COMMUNITY CREDIT UNION, "VALUES YOU CAN TRUST."

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $16,348,926

Investment Income $1,706,173

Other Revenue $3,360,647

TOTAL REVENUE $21,415,746

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,325,807

Fundraising Expenses $0

Other Expenses $12,326,315

TOTAL EXPENSES $19,652,122

Year-over-Year Comparison

	2024	2023	Change
Revenue	$21,415,746	$19,517,866	+0.1%
Expenses	$19,652,122	$17,344,912	+0.1%
Net Income	$1,763,624	$2,172,954	-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

118

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

$1,191,866

Total Directors

$5,466

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROY JONES	CHAIRPERSON	2.00	Director	$1,542	$0	$1,542
HEWITT SAWYERS	VICE CHAIRPERSON	2.00	Director	$0	$0	$0
CINDY BABIN	TREASURER	2.00	Director	$0	$0	$0
CHRISTOPHER WESTBROOK	SECRETARY	2.00	Director	$0	$0	$0
CHARLES BODDIE	DIRECTOR	2.00	Director	$0	$0	$0
JASON BROCKMAN	DIRECTOR	2.00	Director	$2,286	$0	$2,286
NORMAN LOVE	DIRECTOR	2.00	Director	$1,638	$0	$1,638
BEN JOHNSON	CEO	40.00	Officer	$361,816	$25,526	$387,342
KAMERAN LAUX	CFO (EFFECTIVE 4/1/24)	40.00	Officer	$191,514	$47,563	$239,077
GREGORY BRENT	CRO	40.00	Officer	$193,011	$32,841	$225,852
JON RYAN JERNIGAN	COO	40.00	Officer	$161,051	$22,825	$183,876
NATHAN BROWN	CFO (1/1/24 - 3/31/24)	40.00	Officer	$147,953	$7,766	$155,719
KIMBERLY LAMONT	SVP OF LENDING	40.00	Highest	$146,794	$14,476	$161,270
STEVEN J KIBBEL	WEALTH MANAGEMENT ADVISOR	40.00	Highest	$117,513	$9,490	$127,003
LAUREN BOLUS	VP OF MORTGAGE LENDING & BUSINESS SERVICES	40.00	Highest	$115,679	$3,538	$119,217
BRIANNA BURDEN	VP OF MEMBER EXPERIENCE	40.00	Highest	$107,763	$12,709	$120,472
SHARON RENFRO	SENIOR AVP OF ADMINISTRATION	40.00	Highest	$109,002	$11,916	$120,918

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
2024	$21,415,746	$19,652,122	$318,990,368	$1,763,624
2023	$19,517,866	$17,344,912	$294,732,281	$2,172,954
2022	$17,909,727	$14,072,494	$287,343,316	$3,837,233
2021	$15,706,229	$12,484,394	$267,338,347	$3,221,835
2019	$14,802,772	$13,712,765	$215,456,515	$1,090,007
2018	$14,219,106	$12,335,255	$202,547,543	$1,883,851

US COMMUNITY CREDIT UNION