THE WEST TENNESSEE CREDIT UNION

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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

1967

Legal Domicile

Principal Officer

KEN NEWBERRY

Phone

9013583796

Tax Period

2025-01-01 to 2025-12-31

THE WEST TENNESSEE CREDIT UNION, founded in 1967, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 4% surplus.

Mission

CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 1,683 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

Expenses: $947,035

THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.

Program 2

Expenses: $115,581

THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT 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 $842,684

Investment Income $91,662

Other Revenue $167,472

TOTAL REVENUE $1,101,818

Expense Breakdown

Grants Paid $0

Salaries & Benefits $338,475

Fundraising Expenses $0

Program Expenses $1,062,616

Other Expenses $724,142

TOTAL EXPENSES $1,062,617

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,101,818	$911,855	+0.2%
Expenses	$1,062,617	$678,917	+0.6%
Net Income	$39,201	$232,938	-0.8%

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

$80,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEN NEWBERRY	PRESIDENT/CE	40.00	Officer	$80,000	$0	$80,000
AL WISE	BOARD CHAIRM	1.00	Director	$0	$0	$0
LEONARD ROBINSON	BOARD VICE C	1.00	Director	$0	$0	$0
DANIEL WARLICK	BOARD SECRET	1.00	Director	$0	$0	$0
KEITH PIKE	BOARD TREASU	1.00	Director	$0	$0	$0
MICHAEL BEASLEY	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	$1,101,818	$1,062,617	$18,424,044	$39,201
2024	$911,855	$678,917	$17,785,691	$232,938
2023	$843,312	$656,689	$18,659,371	$186,623
2022	$528,634	$639,320	$19,399,326	$-110,686
2021	$674,181	$616,464	$19,585,890	$57,717
2020	$672,142	$670,663	$19,113,979	$1,479
2019	$772,451	$831,784	$17,482,128	$-59,333
2018	$799,169	$798,360	$17,558,579	$809