DIXIE LINE CREDIT UNION (EIN 620631778) - 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

Principal Officer

TRAVIS SHELTON

Phone

6153315121

Tax Period

2025-01-01 to 2025-12-31

DIXIE LINE CREDIT UNION is a small nonprofit that reported $923K in total revenue in fiscal year 2025. Expenses of $1.1M exceeded revenue, resulting in a 16% operating deficit.

Mission

CREDIT UNION

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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 $636,061

Investment Income $200,950

Other Revenue $85,934

TOTAL REVENUE $922,945

Expense Breakdown

Grants Paid $0

Salaries & Benefits $259,085

Fundraising Expenses $0

Other Expenses $808,769

TOTAL EXPENSES $1,067,854

Year-over-Year Comparison

	2025	2024	Change
Revenue	$922,945	$894,766	+0.0%
Expenses	$1,067,854	$811,418	+0.3%
Net Income	$-144,909	$83,348	-2.7%

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

Volunteers

N/A

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

$74,665

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELISSIA RIDDLE	Treasurer	40.00	Officer	$74,665	$0	$74,665
DEVRON CAMPBELL	Secretary	0.00	Director	$0	$0	$0
WILLIAM HALL	BOARD MEMBER	0.00	Officer Director	$0	$0	$0
RONALD WAYNICK	Vice President	1.00	Officer Director	$0	$0	$0
TRAVIS SHELTON	President	1.00	Officer Director	$0	$0	$0
DUWAYNE VAUGHN	BOARD MEMBER	0.00	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	$922,945	$1,067,854	$13,191,363	$-144,909
2024	$894,766	$811,418	$12,785,560	$83,348
2023	$755,346	$582,069	$11,595,689	$173,277
2022	$607,520	$490,771	$12,133,176	$116,749
2021	$503,138	$424,644	$12,473,443	$78,494
2020	$545,634	$492,846	$12,942,414	$52,788
2019	$621,439	$638,767	$11,997,964	$-17,328
2018	$594,698	$516,746	$10,937,610	$77,952

DIXIE LINE CREDIT UNION