APPLIANCE CREDIT UNION (EIN 620873575) - 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

1972

Legal Domicile

Principal Officer

Bobbie Ross

Phone

4234795511

Tax Period

2025-01-01 to 2025-12-31

APPLIANCE CREDIT UNION, founded in 1972, is a small nonprofit that reported $851K in total revenue in fiscal year 2025. Net assets of $1.7M represent 24 months of operating reserves.

Mission

Provides services to members in the form of loans, deposit accounts, etc.

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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 $397,105

Investment Income $258,657

Other Revenue $195,451

TOTAL REVENUE $851,213

Expense Breakdown

Grants Paid $0

Salaries & Benefits $356,828

Fundraising Expenses $0

Program Expenses $0

Other Expenses $483,052

TOTAL EXPENSES $839,880

Year-over-Year Comparison

	2025	2024	Change
Revenue	$851,213	$790,326	+0.1%
Expenses	$839,880	$810,401	+0.0%
Net Income	$11,333	$-20,075	-1.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF KALB	VICE PRESIDENT	1	Director	$0	$0	$0
EDWIN CURTIS	DIRECTOR	1	Director	$0	$0	$0
CATHY BROWN	Treasurer	1	Director	$0	$0	$0
DONALD J MCCOWAN	President	1	Director	$0	$0	$0
BEVERLY ROGERS	SECRETARY	1	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	$851,213	$839,880	$15,934,007	$11,333
2024	$790,326	$810,401	$15,568,833	$-20,075
2023	$686,739	$696,570	$16,188,334	$-9,831
2022	$791,645	$795,978	$15,723,883	$-4,333
2021	$536,076	$557,117	$15,263,777	$-21,041
2020	$458,603	$446,631	$12,449,768	$11,972
2019	$529,358	$495,181	$10,356,093	$34,177
2018	$528,863	$468,990	$9,961,860	$59,873

APPLIANCE CREDIT UNION