Credit Unions chartered in the State of Tennessee (EIN 620575774) - 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

1955

Legal Domicile

Principal Officer

Donna Young

Phone

6153856866

Tax Period

2025-01-01 to 2025-12-31

Credit Unions chartered in the State of Tennessee, founded in 1955, is a mid-sized nonprofit that reported $43.1M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $7.5M, a strong 17% operating margin.

Mission

State chartered credit union providing full range of financial services

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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 $35,937,413

Investment Income $2,269,917

Other Revenue $4,926,538

TOTAL REVENUE $43,133,868

Expense Breakdown

Grants Paid $0

Salaries & Benefits $10,981,613

Fundraising Expenses $0

Program Expenses $28,580,929

Other Expenses $24,687,579

TOTAL EXPENSES $35,669,192

Year-over-Year Comparison

	2025	2024	Change
Revenue	$43,133,868	$36,684,425	+0.2%
Expenses	$35,669,192	$32,238,685	+0.1%
Net Income	$7,464,676	$4,445,740	+0.7%

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

138

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

$1,872,614

Total Directors

Key Employees

$1,035,935

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONNA YOUNG	President	40.00	Officer	$651,014	$279,328	$930,342
LAURA WILLIAMSON	EVP	40.00	Officer	$428,913	$218,288	$647,201
JENNIFER RAWLS	VP Lending	40.00	Key Emp	$209,289	$93,535	$302,824
ROB BYRD	CFO	40.00	Officer	$254,817	$40,254	$295,071
WILLIAM FRYE	VP Marketing	40.00	Key Emp	$194,124	$77,294	$271,418
MATT MIELKE	VP IT	40.00	Key Emp	$221,780	$32,041	$253,821
KALLAR MCCOWN	VP Branch Operations	40.00	Key Emp	$197,344	$10,528	$207,872
KRAIG VAN DYKE	IT Manager	40.00	Highest	$120,236	$31,295	$151,531
KATHERINE MORLEY	AVP Mortgage Lending	40.00	Highest	$132,614	$7,661	$140,275
MARCK PARRIS	AVP Risk Manager	40.00	Highest	$124,527	$15,738	$140,265
ELIZABETH ROBINSON	AVP Branch Operations	40.00	Highest	$117,807	$15,369	$133,176
SUSAN MANOR	AVP Human Resources	40.00	Highest	$117,082	$14,919	$132,001
GARY COWAN	Director	2.00	Director	$0	$0	$0
ROBERTA HILL	Director	1.00	Director	$0	$0	$0
LELAN STATOM	Director	1.00	Director	$0	$0	$0
KAREN CLABOUGH	Director	1.00	Director	$0	$0	$0
AARON JEWELL	Director	1.00	Director	$0	$0	$0
ANDY GRAHAM	Director	1.00	Director	$0	$0	$0
SPENCER SMITH	Director	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	$43,133,868	$35,669,192	$677,710,277	$7,464,676
2025	No data	No data	No data	No data
2024	$36,684,425	$32,238,685	$623,866,119	$4,445,740
2023	$31,385,639	$27,102,233	$597,961,600	$4,283,406
2022	$23,967,218	$18,375,366	$584,412,377	$5,591,852
2021	$21,028,853	$15,466,316	$522,943,459	$5,562,537
2020	$20,997,376	$18,237,371	$468,093,515	$2,760,005
2019	$21,802,337	$18,693,450	$416,692,490	$3,108,887
2018	$19,726,327	$15,800,854	$375,970,000	$3,925,473

Credit Unions chartered in the State of Tennessee