KINGSTON TVA EMPLOYEES CREDIT UNION (EIN 620571252) - 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

1993

Legal Domicile

Principal Officer

MARSHA ADKISSON

Phone

8655445400

Tax Period

2024-01-01 to 2024-12-31

KINGSTON TVA EMPLOYEES CREDIT UNION, founded in 1993, is a small nonprofit that reported $136K in total revenue in fiscal year 2024. Expenses of $121K left a modest 11% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $110,610

Investment Income $25,672

Other Revenue $0

TOTAL REVENUE $136,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,968

Fundraising Expenses $0

Program Expenses $117,070

Other Expenses $32,777

TOTAL EXPENSES $120,745

Year-over-Year Comparison

	2024	2023	Change
Revenue	$136,282	$136,112	+0.0%
Expenses	$120,745	$121,864	0.0%
Net Income	$15,537	$14,248	+0.1%

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

$76,786

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARSHA ADKISSON	MANAGER	40.00	Officer Highest	$76,786	$0	$76,786
RICHARD DEAN KIDD	BOARD PRESID	1.00	Director	$0	$0	$0
KEENON KETHCOAT	BOARD VICE P	1.00	Director	$0	$0	$0
DAVID KIRKPATRICK	BOARD TREASU	1.00	Director	$0	$0	$0
DAVID PITTMAN	BOARD SECRET	1.00	Director	$0	$0	$0
LES WHITE	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENDA BYERS	SUPERVISORY	1.00	Officer	$0	$0	$0
LESLIE NORRIS	SUPERVISORY	1.00	Officer	$0	$0	$0
DARRYL PITTMAN	SUPERVISORY	1.00	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
2024	$136,282	$120,745	$2,378,075	$15,537
2023	$136,112	$121,864	$2,324,632	$14,248
2022	$116,738	$102,315	$2,460,021	$14,423
2021	$108,577	$105,818	$2,577,228	$2,759
2020	$124,051	$112,271	$2,177,205	$11,780
2019	$134,626	$114,932	$2,065,685	$19,694
2018	$119,105	$113,678	$2,054,474	$5,427

KINGSTON TVA EMPLOYEES CREDIT UNION