Jack Daniel Employees Credit Union (EIN 621014489) - 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

1987

Legal Domicile

Phone

9317593300

Tax Period

2025-01-01 to 2025-12-31

Jack Daniel Employees Credit Union, founded in 1987, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. Expenses of $2.6M left a modest 14% surplus.

Mission

Credit intermediary and financial services for membership

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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 $2,184,216

Investment Income $551,706

Other Revenue $355,024

TOTAL REVENUE $3,090,946

Expense Breakdown

Grants Paid $0

Salaries & Benefits $739,502

Fundraising Expenses $0

Other Expenses $1,907,075

TOTAL EXPENSES $2,646,577

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,090,946	$3,011,759	+0.0%
Expenses	$2,646,577	$2,364,537	+0.1%
Net Income	$444,369	$647,222	-0.3%

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

N/A

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

$261,780

Total Directors

$121,494

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Pam Case	CEO	40.00	Officer Director	$121,494	$0	$121,494
Sunya Dangerfield	Operations	40.00	Officer	$70,143	$0	$70,143
Jessica Horton	Compliance Offi	40.00	Officer	$70,143	$0	$70,143
Dale Stone	Board Member	1.00	Officer Director	$0	$0	$0
Josh Hornaday	Vice Chairman	1.00	Officer Director	$0	$0	$0
Tommy Cauble	Board Member	1.00	Director	$0	$0	$0
John Taylor	Board Member	1.00	Director	$0	$0	$0
Paul Fletcher	Board Member	1.00	Director	$0	$0	$0
Scott Parks	Chairman	1.00	Director	$0	$0	$0
Dusty Hardin	Supervisory	1.00	Director	$0	$0	$0
Abby Smith	Supervisory	1.00	Director	$0	$0	$0
Andrew Whitt	Supervisory	1.00	Director	$0	$0	$0
Lacey Ray	Credit Com	1.00	Director	$0	$0	$0
W Parks Norman	Credit Com	1.00	Director	$0	$0	$0
Norma Milligan	Credit Com	1.00	Director	$0	$0	$0
Anita Camp	Sec/Treasurer	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	$3,090,946	$2,646,577	$54,207,010	$444,369
2024	$3,011,759	$2,364,537	$51,342,510	$647,222
2023	$2,521,389	$2,132,038	$48,681,681	$389,351
2022	$1,923,888	$1,571,133	$45,817,005	$352,755
2021	$1,761,481	$1,318,861	$44,449,913	$442,620
2020	$1,610,478	$1,350,119	$37,474,839	$260,359
2019	$1,647,527	$1,360,626	$32,901,051	$286,901
2018	$1,523,356	$1,205,547	$31,206,257	$317,809

Jack Daniel Employees Credit Union