GALLATIN STEAM PLANT CREDIT UNION (EIN 620604390) - 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

1956

Legal Domicile

Principal Officer

WILL DENNIS

Phone

6152304073

Tax Period

2025-01-01 to 2025-12-31

GALLATIN STEAM PLANT CREDIT UNION, founded in 1956, is a small nonprofit that reported $430K in total revenue in fiscal year 2025. Revenue grew 8% year-over-year, indicating healthy expansion. The organization ran a surplus of $118K, a strong 27% 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 $325,327

Investment Income $101,684

Other Revenue $3,268

TOTAL REVENUE $430,279

Expense Breakdown

Grants Paid $0

Salaries & Benefits $122,060

Fundraising Expenses $0

Program Expenses $312,488

Other Expenses $190,428

TOTAL EXPENSES $312,488

Year-over-Year Comparison

	2025	2024	Change
Revenue	$430,279	$397,234	+0.1%
Expenses	$312,488	$316,593	0.0%
Net Income	$117,791	$80,641	+0.5%

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

$92,387

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILL DENNIS	MANAGER	40.00	Officer	$92,387	$0	$92,387
JOE CORNWELL	BOARD PRESID	1.00	Director	$0	$0	$0
KRISTIE LANIUS	BOARD MEMBER	1.00	Director	$0	$0	$0
KENNETH DAVIS	BOARD TREASU	1.00	Director	$0	$0	$0
JOSH FORTENBERRY	BOARD SECRET	1.00	Director	$0	$0	$0
ROBERT PATTERSON	BOARD VICE P	1.00	Officer Director	$0	$0	$0
CHRIS CONGER	SUPERVISORY	1.00	Officer	$0	$0	$0
MATTHEW CONWELL	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	$430,279	$312,488	$7,580,369	$117,791
2024	No data	No data	No data	No data
2023	$318,221	$260,431	$6,873,918	$57,790
2022	$252,453	$203,395	$7,167,612	$49,058
2021	$214,337	$192,126	$6,211,999	$22,211
2020	$212,816	$209,199	$5,810,040	$3,617
2019	$212,240	$179,794	$5,128,344	$32,446
2018	$188,881	$167,912	$4,961,837	$20,969

GALLATIN STEAM PLANT CREDIT UNION