GREENEVILLE WORKS EMPLOYEES SAVINGS ASSOCIATION CREDIT UNION (EIN 620969261) - 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

1976

Legal Domicile

Principal Officer

KRISTY MAYS

Phone

4237830337

Tax Period

2025-01-01 to 2025-12-31

GREENEVILLE WORKS EMPLOYEES SAVINGS ASSOCIATION CREDIT UNION, founded in 1976, is a small nonprofit that reported $121K in total revenue in fiscal year 2025. Expenses of $103K left a modest 15% surplus.

Mission

CREDIT UNION-TO PROVIDE FINANCIAL SERVICES TO 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 $94,821

Investment Income $26,176

Other Revenue $14

TOTAL REVENUE $121,011

Expense Breakdown

Grants Paid $0

Salaries & Benefits $59,533

Fundraising Expenses $0

Program Expenses $103,425

Other Expenses $43,891

TOTAL EXPENSES $103,424

Year-over-Year Comparison

	2025	2024	Change
Revenue	$121,011	$118,635	+0.0%
Expenses	$103,424	$95,397	+0.1%
Net Income	$17,587	$23,238	-0.2%

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

$55,610

Total Directors

$55,610

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTY MAYS	MANAGER/TREA	40.00	Officer Director	$50,646	$4,964	$55,610
MICHAEL MASONER	BOARD PRESID	1.00	Officer	$0	$0	$0
JEROME BANKS	BOARD VICE P	1.00	Officer	$0	$0	$0
TAYLOR CHURCH	BOARD SECRET	1.00	Officer	$0	$0	$0
ZACHARY RANDOLPH	BOARD MEMBER	N/A	Officer	$0	$0	$0
VICTOR CONNER	SUPERVISORY	1.00	Officer	$0	$0	$0
BRIAN SHIPLEY	SUPERVISORY	1.00	Officer	$0	$0	$0
DAVID GARRABRANT	SUPERVISORY	1.00	Officer	$0	$0	$0
YVETTE VASQUEZ	CREDIT COMM	1.00	Officer	$0	$0	$0
PERRY WEEMS	CREDIT COMMI	1.00	Officer	$0	$0	$0
TIM RICKER	CREDIT COMMI	1.00	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	$121,011	$103,424	$1,757,068	$17,587
2024	No data	No data	No data	No data
2023	$135,911	$83,804	$1,767,544	$52,107
2022	$91,759	$91,655	$1,710,903	$104
2021	$87,311	$81,741	$1,887,150	$5,570
2020	$94,089	$92,923	$1,889,283	$1,166
2019	$131,275	$107,223	$1,872,144	$24,052
2018	$124,475	$103,884	$2,090,519	$20,591

GREENEVILLE WORKS EMPLOYEES SAVINGS ASSOCIATION CREDIT UNION