KNOX COUNTY EMPLOYEES CREDIT UNION

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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

1974

Legal Domicile

Principal Officer

KERRI HAYNES

Phone

8652152364

Tax Period

2025-01-01 to 2025-12-31

KNOX COUNTY EMPLOYEES CREDIT UNION, founded in 1974, is a small nonprofit in the Public & Societal Benefit sector that reported $696K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $208K, a strong 30% operating margin.

Mission

PROVIDE FINANCIAL SERVICES FOR MEMBERS, ENCOURAGE SOUND FINANCIAL CHOICES REGARDING SAVINGS AND LOANS. ALL PEOPLE EMPLOYED BY KNOX COUNTY GOVERNMENT AND THEIR IMMEDIATE FAMILY MEMBERS ARE EILIGIBLE FOR MEMBERSHIP.

Program Service Accomplishments

Program 1

MEMBERS ARE ENCOURAGED TO SAVE THROUGH DIFFERENT ACCOUNTS. REGULAR SHARE ACCOUNTS EARN DIVIDENDS. THE MEMBER CAN DEPOSIT OR WITHDRAW WITHOUT PENALTY. HIGHER DIVIDENDS ARE PAID FOR LONGER TERM...

MEMBERS ARE ENCOURAGED TO SAVE THROUGH DIFFERENT ACCOUNTS. REGULAR SHARE ACCOUNTS EARN DIVIDENDS. THE MEMBER CAN DEPOSIT OR WITHDRAW WITHOUT PENALTY. HIGHER DIVIDENDS ARE PAID FOR LONGER TERM ACCOUNTS SUCH AS IRAs OR CERTIFICATES OF DEPOSIT.

Program 2

MEMBERS CAN APPLY FOR LOANS TO PURCHASE AUTOS OR OTHER COLLATERAL OR FOR PERSONAL REASONS. THE MEMBER CREDIT REPORT AND FINANCIAL CONDITION IS EVALUATED AND THE LOAN IS EITHER APPROVED OR DENIED.

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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 $479,250

Investment Income $217,227

Other Revenue $0

TOTAL REVENUE $696,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $250,411

Fundraising Expenses $0

Program Expenses $0

Other Expenses $238,425

TOTAL EXPENSES $488,836

Year-over-Year Comparison

	2025	2024	Change
Revenue	$696,477	$622,639	+0.1%
Expenses	$488,836	$487,750	+0.0%
Net Income	$207,641	$134,889	+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

Total Directors

Key Employees

$75,712

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KERRI HAYNES	MANAGER	40	Key Emp Highest	$75,712	$0	$75,712
RICHIE BEELER	BOARD MEMBER	0.25	Director	$0	$0	$0
JUSTIN HENSON	BOARD MEMBER	0.25	Director	$0	$0	$0
NELDA HILL	BOARD MEMBER	0.25	Director	$0	$0	$0
GREG VALENTINE	BOARD MEMBER	0.25	Director	$0	$0	$0
DWIGHT VAN DE VATE	BOARD MEMBER	0.25	Director	$0	$0	$0
JOSIE SIEBEN	BOARD MEMBER	0.25	Director	$0	$0	$0
JENNIFER SCHROEDER	BOARD PRESIDENT	0.25	Officer	$0	$0	$0
JEFF CLARK	BOARD VICE-PRESIDENT	0.25	Officer	$0	$0	$0
PEARL MATHIS	BOARD SECRETARY/TREASURER	0.25	Officer	$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	$696,477	$488,836	$13,008,232	$207,641
2024	$622,639	$487,750	$11,960,337	$134,889
2023	$487,741	$395,776	$11,086,499	$91,965
2022	$400,809	$374,643	$12,017,061	$26,166
2021	$387,342	$383,905	$12,071,854	$3,437
2020	$423,487	$407,706	$10,935,055	$15,781