TENNESSEE EMPLOYEES CREDIT UNION (EIN 620804169) - 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

1969

Legal Domicile

Principal Officer

TRICIA CUNNINGHAM

Phone

6153135585

Tax Period

2025-01-01 to 2025-12-31

TENNESSEE EMPLOYEES CREDIT UNION, founded in 1969, is a community nonprofit that reported $2.0M in total revenue in fiscal year 2025. Expenses of $1.8M left a modest 8% 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 $1,408,897

Investment Income $541,117

Other Revenue $40,140

TOTAL REVENUE $1,990,154

Expense Breakdown

Grants Paid $0

Salaries & Benefits $677,814

Fundraising Expenses $0

Program Expenses $1,825,169

Other Expenses $1,147,356

TOTAL EXPENSES $1,825,170

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,990,154	$1,851,938	+0.1%
Expenses	$1,825,170	$1,744,737	+0.0%
Net Income	$164,984	$107,201	+0.5%

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

$262,738

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRICIA CUNNINGHAM	CEO	40.00	Officer	$151,500	$19,502	$171,002
MALINDA WARCHUS	VP	40.00	Officer	$90,495	$1,241	$91,736
BISHAKHA VANVORIS	BOARD PRESID	1.00	Director	$0	$0	$0
ANDREW NIELSON	BOARD SECRET	1.00	Director	$0	$0	$0
DARLENE STRINGFELLOW	BOARD MEMBER	1.00	Director	$0	$0	$0
EDDIE CHISHOLM	BOARD TREASU	1.00	Director	$0	$0	$0
JOSELYN JONES-SETTLES	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	$1,990,154	$1,825,170	$30,149,522	$164,984
2024	$1,851,938	$1,744,737	$30,721,736	$107,201
2023	$1,576,042	$1,361,828	$30,983,973	$214,214
2022	$1,340,323	$1,272,594	$30,516,763	$67,729
2021	$1,116,005	$1,162,060	$31,006,926	$-46,055
2020	$1,147,765	$1,219,770	$29,141,902	$-72,005
2019	$1,262,434	$1,214,406	$26,288,613	$48,028
2018	$1,215,748	$907,462	$26,463,670	$308,286

TENNESSEE EMPLOYEES CREDIT UNION