HURD EMPLOYEES CREDIT UNION (EIN 620791762) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1994

Legal Domicile

Principal Officer

CAROLE THORNBURG

Phone

4236394371

Tax Period

2025-01-01 to 2025-12-31

HURD EMPLOYEES CREDIT UNION, founded in 1994, is a small nonprofit that reported $272K in total revenue in fiscal year 2025. Net assets of $1.6M represent 69 months of operating reserves.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $216,701

Investment Income $54,785

Other Revenue $223

TOTAL REVENUE $271,709

Expense Breakdown

Grants Paid $0

Salaries & Benefits $80,410

Fundraising Expenses $0

Program Expenses $266,087

Other Expenses $185,677

TOTAL EXPENSES $266,087

Year-over-Year Comparison

	2025	2024	Change
Revenue	$271,709	$270,726	+0.0%
Expenses	$266,087	$191,480	+0.4%
Net Income	$5,622	$79,246	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$74,616

Total Directors

$29,896

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CAROLE THORNBURG	MANAGER	40.00	Officer	$44,720	$0	$44,720
PEGGY VAUGHN	BOARD TREASU	20.00	Officer Director	$29,896	$0	$29,896
ANTHONY MORELOCK	BOARD PRESID	1.00	Director	$0	$0	$0
DANIEL CHANDLER	BOARD VICE P	1.00	Director	$0	$0	$0
SANDRA WELLER	BOARD SECRET	1.00	Director	$0	$0	$0
JASON WADDELL	BOARD MEMBER	1.00	Director	$0	$0	$0
LOLA ANN RADER	SUPERVISOR C	1.00	Officer	$0	$0	$0
CAROLYN SEATON	SUPERVISORY	1.00	Officer	$0	$0	$0
CARIN HINKLE	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	$271,709	$266,087	$4,227,602	$5,622
2024	$270,726	$191,480	$4,477,784	$79,246
2023	$190,329	$238,434	$4,394,168	$-48,105
2022	$160,576	$119,100	$4,358,814	$41,476
2021	$159,985	$134,883	$4,033,988	$25,102
2020	$166,976	$140,893	$3,649,324	$26,083
2019	$172,783	$115,512	$3,344,747	$57,271
2018	$169,706	$141,880	$3,436,204	$27,826

HURD EMPLOYEES CREDIT UNION