GREENEVILLE, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CONSUMER CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $29.9M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $5.1M, a strong 17% operating margin.
PROVIDE FINANCIAL SERVICES FOR MEMBERS (31,119 AS OF 12/31/25) INCLUDING LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS, ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS, MONEY ORDERS, AND LOCK BOXES.
PROVIDE FINANCIAL SERVICES FOR MEMBERS IN THE FORM OF LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS...
PROVIDE FINANCIAL SERVICES FOR MEMBERS IN THE FORM OF LOANS, SAVINGS AND CHECKING ACCOUNTS, CERTIFICATES OF DEPOSITS, IRAS ECT. ALSO PROVIDE OTHER SERVICES SUCH AS ATM/DEBIT CARDS, CREDIT CARDS, MONEY ORDERS, AND LOCK BOXES. (31,119 MEMBERS AS OF 12/31/25)
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $29,887,391 | $27,294,510 | +0.1% |
| Expenses | $24,742,498 | $25,260,357 | 0.0% |
| Net Income | $5,144,893 | $2,034,153 | +1.5% |
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
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| AMANDA KILDAY | PRESIDENT | 40 |
Officer
Director
Key Emp
Highest
|
$501,906 | $0 | $501,906 |
| BRIAN ALLEN | EVP/CHIEF INFORMATION OFFICER/COMPLIANCE | 40 |
Highest
|
$231,670 | $0 | $231,670 |
| SUSAN ACUFF | SVP/CFO | 40 |
Highest
|
$230,810 | $0 | $230,810 |
| DANIEL HAWK | SVP/COMMERCIAL LENDING | 40 |
Highest
|
$197,965 | $0 | $197,965 |
| STEPHEN CUTSHALL | CHIEF MORTGAGE OFFICER/EXECUTIVE COMPLIANCE OFFICER | 40 |
Highest
|
$182,989 | $0 | $182,989 |
| KATHERINE MCCORMICK | SVP OF FINANCE | 40 |
Highest
|
$171,201 | $0 | $171,201 |
| MARCIA WHALEY | BOARD CHAIRMAN | 0 |
Officer
Director
|
$0 | $0 | $0 |
| JUDY DAVIS | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| BRIAN COOK | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| BURTON GOOGE | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| GEORGE HARRIS | BOARD VICE CHAIRMAN | 0 |
Officer
Director
|
$0 | $0 | $0 |
| HEATHER PATCHETT | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| CYNTHIA PECTOL | BOARD MEMBER SECRETARY | 0 |
Officer
Director
|
$0 | $0 | $0 |
| LARRY COUGHLIN | BOARD MEMBER | 0 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $29,887,391 | $24,742,498 | $647,283,591 | $5,144,893 |
| 2024 | $27,294,510 | $25,260,357 | $618,912,601 | $2,034,153 |
| 2023 | $26,237,078 | $22,167,798 | $628,277,279 | $4,069,280 |
| 2022 | $20,055,124 | $16,324,737 | $603,731,277 | $3,730,387 |
| 2021 | $15,832,085 | $14,271,617 | $557,161,210 | $1,560,468 |
| 2020 | $16,857,145 | $15,683,565 | $542,664,942 | $1,173,580 |
| 2019 | $17,658,027 | $15,587,250 | $490,308,341 | $2,070,777 |
| 2018 | $16,266,810 | $14,027,912 | $450,881,230 | $2,238,898 |
Compare CONSUMER CREDIT UNION with other nonprofits in Tennessee and across the country.