HOLLEY CREDIT UNION (EIN 620576362) - 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

VAN BOWDEN

Phone

7316449031

Tax Period

2025-01-01 to 2025-12-31

HOLLEY CREDIT UNION, founded in 1993, is a community nonprofit that reported $6.5M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.6M, a strong 24% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,446,218

Investment Income $479,071

Other Revenue $560,049

TOTAL REVENUE $6,485,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,408,445

Fundraising Expenses $0

Program Expenses $4,935,158

Other Expenses $3,526,713

TOTAL EXPENSES $4,935,158

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,485,338	$5,540,283	+0.2%
Expenses	$4,935,158	$4,397,070	+0.1%
Net Income	$1,550,180	$1,143,213	+0.4%

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

$696,174

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VAN BOWDEN	CEO/MANAGER	40.00	Officer	$140,743	$256,699	$397,442
AMANDA PHIFER	VP OF COMPLI	40.00	Officer	$94,433	$54,933	$149,366
JENNY PARTRIDGE	VP OF OPERAT	40.00	Officer	$94,433	$54,933	$149,366
DALE MITCHELL EVANS	BOARD CHAIRM	1.00	Director	$0	$0	$0
GALE THARPE	BOARD VICE C	1.00	Director	$0	$0	$0
TOMMY HAYES	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDI FRENCH	BOARD TREASU	1.00	Director	$0	$0	$0
KATHY VEAZEY	BOARD SECRET	1.00	Director	$0	$0	$0
GREG LASSITER	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID JACKSON	BOARD MEMBER	1.00	Director	$0	$0	$0
GERALD HOWARD	SUPERVISORY	1.00	Officer	$0	$0	$0
PEGGY J NANCE	SUPERVIOSRY	1.00	Officer	$0	$0	$0
LINDA NEAL	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
2025	$6,485,338	$4,935,158	$99,891,799	$1,550,180
2024	No data	No data	No data	No data
2023	$4,426,253	$3,344,687	$85,520,531	$1,081,566
2022	$3,269,395	$2,283,711	$80,913,431	$985,684
2021	$3,106,337	$2,350,353	$77,470,734	$755,984
2020	$3,259,464	$2,714,000	$69,522,551	$545,464
2019	$3,231,820	$2,608,531	$60,471,938	$623,289
2018	$2,913,352	$2,354,672	$55,886,429	$558,680

HOLLEY CREDIT UNION