JOHNSONVILLE TVA EMPLOYEES CREDIT UNION (EIN 620678664) - 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

1952

Legal Domicile

Principal Officer

MICHAEL WARREN

Phone

7315847238

Tax Period

2025-01-01 to 2025-12-31

JOHNSONVILLE TVA EMPLOYEES CREDIT UNION, founded in 1952, is a community nonprofit that reported $9.9M in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.2M, a strong 32% 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 $6,131,293

Investment Income $2,609,817

Other Revenue $1,155,135

TOTAL REVENUE $9,896,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,231,797

Fundraising Expenses $0

Program Expenses $6,730,317

Other Expenses $4,498,520

TOTAL EXPENSES $6,730,317

Year-over-Year Comparison

	2025	2024	Change
Revenue	$9,896,245	$8,696,815	+0.1%
Expenses	$6,730,317	$5,845,407	+0.2%
Net Income	$3,165,928	$2,851,408	+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

$384,702

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL WARREN	MANAGER/CEO	40.00	Officer	$116,274	$36,663	$152,937
JOHN BOND	VP/FINANCE	40.00	Officer	$88,756	$17,445	$106,201
TEENA BARNETT	ASSISTANT MA	40.00	Officer	$89,757	$35,807	$125,564
RAYMOND BARNES	BOD PRESIDEN	1.00	Officer Director	$0	$0	$0
DAVID TILLMAN	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
COREY CHRISTOPHER	BOD VP	1.00	Director	$0	$0	$0
REBECCA JANE TRIPLETT	BOARD SEC/ S	1.00	Director	$0	$0	$0
SHERRY BEASLEY	BOD MEMBER/	1.00	Officer Director	$0	$0	$0
BRENDA JONES	BOARD MEMBER	1.00	Director	$0	$0	$0
CYNTHIA EBLEN	BOARD MEMBER	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	$9,896,245	$6,730,317	$172,874,249	$3,165,928
2024	$8,696,815	$5,845,407	$163,375,364	$2,851,408
2023	$7,119,850	$4,853,007	$150,101,221	$2,266,843
2022	$5,400,399	$3,942,936	$144,344,492	$1,457,463
2021	$5,070,874	$3,751,612	$139,434,701	$1,319,262
2020	$4,866,585	$3,762,734	$122,625,444	$1,103,851
2019	$4,668,200	$3,683,027	$104,277,339	$985,173
2018	$4,246,242	$3,290,904	$98,097,801	$955,338

JOHNSONVILLE TVA EMPLOYEES CREDIT UNION