MARYVILLE MUNICIPAL CREDIT UNION (EIN 620883199) - 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

TOM BOYLE

Phone

8659844072

Tax Period

2025-01-01 to 2025-12-31

MARYVILLE MUNICIPAL CREDIT UNION, founded in 1972, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. The organization ran a surplus of $355K, a strong 35% operating margin.

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 $302,006

Investment Income $710,896

Other Revenue $0

TOTAL REVENUE $1,012,902

Expense Breakdown

Grants Paid $0

Salaries & Benefits $246,551

Fundraising Expenses $0

Program Expenses $657,628

Other Expenses $411,077

TOTAL EXPENSES $657,628

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,012,902	$983,615	+0.0%
Expenses	$657,628	$624,985	+0.1%
Net Income	$355,274	$358,630	0.0%

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

$147,515

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOM BOYLE	CEO	40.00	Officer	$123,716	$23,799	$147,515
PAUL GILLEY	BOARD CHAIRM	1.00	Director	$0	$0	$0
JIMMY WALKER	BOARD VICE C	1.00	Director	$0	$0	$0
TOM STINNETT	BOARD TREASU	1.00	Director	$0	$0	$0
SHANE MYERS	BOARD SECRET	1.00	Director	$0	$0	$0
JAMES WOODS	BOD MEMBERSH	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	$1,012,902	$657,628	$23,176,279	$355,274
2024	No data	No data	No data	No data
2023	$805,944	$495,889	$21,611,272	$310,055
2022	$524,256	$450,751	$20,592,734	$73,505
2021	$478,852	$431,872	$20,461,317	$46,980
2020	$440,924	$410,067	$19,696,904	$30,857
2019	$567,780	$415,296	$17,627,389	$152,484
2018	$509,394	$385,530	$15,824,488	$123,864

MARYVILLE MUNICIPAL CREDIT UNION