NASHVILLE, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)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.
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."
THE ORGANIZATION EMPLOYED A DEDICATED TEAM OF FINANCIAL PROFESSIONALS TO DELIVER HIGH-QUALITY MEMBER SERVICES AND MAINTAIN OPERATIONAL INTEGRITY. SALARIES SUPPORTED A WIDE RANGE OF ACTIVITIES...
THE ORGANIZATION EMPLOYED A DEDICATED TEAM OF FINANCIAL PROFESSIONALS TO DELIVER HIGH-QUALITY MEMBER SERVICES AND MAINTAIN OPERATIONAL INTEGRITY. SALARIES SUPPORTED A WIDE RANGE OF ACTIVITIES ESSENTIAL TO THE CREDIT UNION'S EXEMPT PURPOSE, INCLUDING ACCOUNT MANAGEMENT, LENDING SERVICES, FINANCIAL EDUCATION, MEMBER SUPPORT, REGULATORY COMPLIANCE, AND COMMUNITY OUTREACH. COMPENSATION ALSO COVERED STAFF INVOLVED IN DIGITAL BANKING, LOAN PROCESSING, AND BRANCH OPERATIONS, ENSURING MEMBERS HAD ACCESS TO CONVENIENT, SECURE, AND PERSONALIZED FINANCIAL SERVICES.
INTEREST EXPENSES WERE INCURRED IN THE ORDINARY COURSE OF BUSINESS TO SUPPORT DEPOSIT ACCOUNTS HELD BY MEMBERS. THESE PAYMENTS REPRESENT THE CREDIT UNION'S COMMITMENT TO PROVIDING MEMBERS WITH...
INTEREST EXPENSES WERE INCURRED IN THE ORDINARY COURSE OF BUSINESS TO SUPPORT DEPOSIT ACCOUNTS HELD BY MEMBERS. THESE PAYMENTS REPRESENT THE CREDIT UNION'S COMMITMENT TO PROVIDING MEMBERS WITH COMPETITIVE RETURNS ON SAVINGS AND OTHER DEPOSIT INSTRUMENTS. BY OFFERING INTEREST-BEARING PRODUCTS, THE CREDIT UNION FOSTERS FINANCIAL STABILITY AND ENCOURAGES PERSONAL SAVINGS AMONG MEMBERS, PARTICULARLY THOSE OF MODEST MEANS, WHICH DIRECTLY ALIGNS WITH ITS MISSION TO PROMOTE THRIFT AND PROVIDE A SOURCE OF CREDIT AT REASONABLE RATES.
THE PROVISION FOR LOAN LOSSES ENSURES THE LONG-TERM FINANCIAL STABILITY AND SOUNDNESS OF THE CREDIT UNION, PROTECTING MEMBER DEPOSITS AND PRESERVING TRUST IN ITS LENDING OPERATIONS. THIS ACCOUNTING...
THE PROVISION FOR LOAN LOSSES ENSURES THE LONG-TERM FINANCIAL STABILITY AND SOUNDNESS OF THE CREDIT UNION, PROTECTING MEMBER DEPOSITS AND PRESERVING TRUST IN ITS LENDING OPERATIONS. THIS ACCOUNTING EXPENSE REFLECTS PRUDENT FINANCIAL MANAGEMENT AND RISK MITIGATION FOR POTENTIAL LOAN DEFAULTS, PARTICULARLY AMONG UNDERSERVED OR ECONOMICALLY VULNERABLE MEMBERS. BY MAINTAINING ADEQUATE RESERVES, THE CREDIT UNION CAN CONTINUE TO OFFER ACCESSIBLE, FAIR, AND RESPONSIBLE CREDIT OPTIONS, CONSISTENT WITH ITS CORE MISSION OF SERVING THE COMMUNITY'S FINANCIAL NEEDS.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 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% |
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
Sign In| 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 |
| 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 |
Compare US COMMUNITY CREDIT UNION with other nonprofits in Tennessee and across the country.