HARDIN COUNTY HOSPITAL EMPLOYEES CREDIT UNION (EIN 620806449) - 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

1964

Legal Domicile

Principal Officer

NIKKI CAGLE

Phone

7319268139

Tax Period

2025-01-01 to 2025-12-31

HARDIN COUNTY HOSPITAL EMPLOYEES CREDIT UNION, founded in 1964, is a micro nonprofit that reported $45K in total revenue in fiscal year 2025.

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 $33,922

Investment Income $10,654

Other Revenue $0

TOTAL REVENUE $44,576

Expense Breakdown

Grants Paid $0

Salaries & Benefits $11,303

Fundraising Expenses $0

Program Expenses $43,561

Other Expenses $32,258

TOTAL EXPENSES $43,561

Year-over-Year Comparison

	2025	2024	Change
Revenue	$44,576	$44,985	0.0%
Expenses	$43,561	$41,417	+0.1%
Net Income	$1,015	$3,568	-0.7%

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

N/A

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

$7,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEVERLY PERRY	BOARD SECRET	1.00	Director	$0	$0	$0
JERRY CLARKE	BOARD PRESID	1.00	Director	$0	$0	$0
LEIGH ANN HUGHES	BOARD VICE-P	1.00	Director	$0	$0	$0
JACOB BOMAR	BOARD MEMBER	1.00	Director	$0	$0	$0
NIKKI CAGLE	MANAGER	40.00	Officer	$7,200	$0	$7,200
MARSHA SMITH	BOARD TREASU	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	$44,576	$43,561	$986,730	$1,015
2024	$44,985	$41,417	$1,176,704	$3,568
2023	$40,149	$31,422	$978,548	$8,727
2022	$30,909	$29,505	$1,023,513	$1,404
2021	$29,611	$34,958	$1,153,654	$-5,347
2020	$35,429	$47,361	$1,029,684	$-11,932
2019	$38,323	$50,796	$1,099,016	$-12,473
2018	$38,237	$40,470	$1,085,476	$-2,233

HARDIN COUNTY HOSPITAL EMPLOYEES CREDIT UNION