GREENEVILLE CITY EMPLOYEES CREDIT UNION (EIN 620787014) - 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

APRIL HUMPHREYS

Phone

4236390907

Tax Period

2025-01-01 to 2025-12-31

GREENEVILLE CITY EMPLOYEES CREDIT UNION, founded in 1993, is a small nonprofit that reported $786K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $289K, a strong 37% 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 $642,439

Investment Income $140,500

Other Revenue $2,811

TOTAL REVENUE $785,750

Expense Breakdown

Grants Paid $0

Salaries & Benefits $209,297

Fundraising Expenses $0

Program Expenses $497,243

Other Expenses $287,946

TOTAL EXPENSES $497,243

Year-over-Year Comparison

	2025	2024	Change
Revenue	$785,750	$695,627	+0.1%
Expenses	$497,243	$438,339	+0.1%
Net Income	$288,507	$257,288	+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

$87,962

Total Directors

$87,962

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
APRIL HUMPHREYS	TREASURER/MA	40.00	Officer Director	$79,250	$8,712	$87,962
MIKE FRENCH	BOARD PRESID	1.00	Director	$0	$0	$0
JOHN HUFFINE	BOARD VICE P	1.00	Director	$0	$0	$0
STEPHEN HIXSON	BOARD SECRET	1.00	Director	$0	$0	$0
ALAN SHIPLEY	EDUCATION CH	1.00	Director	$0	$0	$0
JERRY BIRD	SUPERVISOR C	1.00	Officer	$0	$0	$0
CHRIS MILLER	SUPERVISORY	1.00	Officer	$0	$0	$0
ERIC PRICE	SUPERVISORY	1.00	Officer	$0	$0	$0
BONNIE JOHNSON	CREDIT COMM	1.00	Officer	$0	$0	$0
AMY TWEED	CREDIT COMM	1.00	Officer	$0	$0	$0
MAXINE CARTER	CREDIT COMM	1.00	Officer	$0	$0	$0
GINA HOLT	CREDIT COMM	1.00	Officer	$0	$0	$0
JUSTIN REAVES	CREDIT COM M	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	$785,750	$497,243	$13,504,146	$288,507
2024	No data	No data	No data	No data
2023	$545,055	$376,733	$12,224,744	$168,322
2022	$417,088	$276,672	$12,593,372	$140,416
2021	$422,009	$297,162	$12,339,661	$124,847
2020	$448,274	$315,614	$11,641,581	$132,660
2019	$454,131	$345,711	$10,872,390	$108,420
2018	$413,364	$300,517	$10,652,515	$112,847

GREENEVILLE CITY EMPLOYEES CREDIT UNION