EPB EMPLOYEES CREDIT UNION (EIN 620538561) - 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

1954

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

EPB EMPLOYEES CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2023. Revenue surged 20% from the prior year, signaling strong growth momentum. Net assets of $3.5M represent 26 months of operating reserves.

Mission

STATE CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 2,517 MEMBERS TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.

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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 $1,587,595

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,587,595

Expense Breakdown

Grants Paid $0

Salaries & Benefits $476,155

Fundraising Expenses $0

Program Expenses $1,572,440

Other Expenses $673,056

TOTAL EXPENSES $1,572,440

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,587,595	$1,322,569	+0.2%
Expenses	$1,572,440	$1,004,525	+0.6%
Net Income	$15,155	$318,044	-1.0%

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

$128,796

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JERRY B TROTTER	CEO	40.00	Officer	$128,796	$0	$128,796
JAMES C MILLION	BOARD MEMBER	0.50	Director	$0	$0	$0
ANGELA LOVE	BOARD MEMBER	0.50	Director	$0	$0	$0
DAVID LEE	BOARD MEMBER	0.50	Director	$0	$0	$0
SANDEE BINGHAM	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DALE MCLEOD	PRESIDENT	1.00	Officer Director	$0	$0	$0
WENDALL BORING	TREASURER	1.00	Officer Director	$0	$0	$0
BRYAN BETTY	SECRETARY	1.00	Officer 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
2024	No data	No data	No data	No data
2023	$1,587,595	$1,572,440	$40,581,151	$15,155
2022	$1,322,569	$1,004,525	$41,594,068	$318,044
2021	$1,152,494	$1,048,631	$41,855,964	$103,863
2020	$1,157,528	$1,125,860	$34,876,875	$31,668
2019	$1,166,146	$1,084,183	$27,606,655	$81,963
2018	$1,088,172	$954,363	$28,624,370	$133,809

EPB EMPLOYEES CREDIT UNION