AUB EMPLOYEES CREDIT UNION (EIN 620794334) - 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

1994

Legal Domicile

Principal Officer

NANCY PERKINS

Phone

4235076042

Tax Period

2025-01-01 to 2025-12-31

AUB EMPLOYEES CREDIT UNION, founded in 1994, is a micro nonprofit that reported $76K in total revenue in fiscal year 2025. Expenses of $74K left a modest 3% surplus.

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 $75,882

Investment Income $341

Other Revenue $171

TOTAL REVENUE $76,394

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,122

Fundraising Expenses $0

Program Expenses $73,794

Other Expenses $44,672

TOTAL EXPENSES $73,794

Year-over-Year Comparison

	2025	2024	Change
Revenue	$76,394	$79,676	0.0%
Expenses	$73,794	$75,795	0.0%
Net Income	$2,600	$3,881	-0.3%

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

$16,050

Total Directors

$16,050

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NANCY PERKINS	MANAGER/TREA	40.00	Officer Director	$16,050	$0	$16,050
REX WILCOX	BOARD PRESID	1.00	Director	$0	$0	$0
JEREMY PARSONS	SUPERVISORY	1.00	Officer	$0	$0	$0
KEVIN GOINS	SUPERVISORY	1.00	Officer	$0	$0	$0
RANDELL MILLSAPS	CREDIT COM M	1.00	Officer	$0	$0	$0
CRAIG BRYMER	CREDIT COM C	1.00	Officer	$0	$0	$0
CODY HUGGINS	CREDIT COM M	1.00	Officer	$0	$0	$0
PHYLISS WHITE	MEMBERSHIP O	1.00	Officer	$0	$0	$0
MICHELLE MILLSAPS	SECURITY OFF	1.00	Officer	$0	$0	$0
ROB LAMBER	BOARD VICE P	1.00	Director	$0	$0	$0
JENNIFER GUNN	SUPERVISOR C	1.00	Officer	$0	$0	$0
BOONE WALKER	BOARD SECRET	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	$76,394	$73,794	$1,482,547	$2,600
2024	$79,676	$75,795	$1,685,664	$3,881
2023	$75,865	$69,191	$1,754,257	$6,674
2022	$62,870	$62,234	$2,012,682	$636
2021	$64,146	$62,878	$1,861,832	$1,268
2020	$66,661	$64,138	$1,792,029	$2,523
2019	$65,865	$63,808	$1,590,771	$2,057
2018	$69,427	$65,361	$1,574,176	$4,066

AUB EMPLOYEES CREDIT UNION