ENBRIGHT CREDIT UNION (EIN 626040513) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1951

Legal Domicile

Principal Officer

RON SMITH

Phone

6156874801

Tax Period

2025-01-01 to 2025-12-31

ENBRIGHT CREDIT UNION, founded in 1951, is a community nonprofit that reported $5.8M in total revenue in fiscal year 2025.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,622,962

Investment Income $578,607

Other Revenue $628,291

TOTAL REVENUE $5,829,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,984,283

Fundraising Expenses $0

Program Expenses $5,691,699

Other Expenses $3,707,418

TOTAL EXPENSES $5,691,701

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,829,860	$5,816,940	+0.0%
Expenses	$5,691,701	$5,736,622	0.0%
Net Income	$138,159	$80,318	+0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$593,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RON SMITH	PRESIDENT/CE	40.00	Officer	$198,110	$54,969	$253,079
SHARHONDA KINNARD	VP STRATEGY	40.00	Officer	$104,937	$36,339	$141,276
BETHANY ROGERS	CONTROLLER	40.00	Officer	$153,715	$45,330	$199,045
DICKIE JOHNSON	BOARD CHAIRM	1.00	Director	$0	$0	$0
GARY MURRAY	BOARD VICE C	1.00	Director	$0	$0	$0
KENT COCHRAN	BOARD SECRET	1.00	Director	$0	$0	$0
JOHN BROADWAY	BOARD TREASU	1.00	Director	$0	$0	$0
HARRY RANDY GREGORY JR	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVID MURRAY	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN WALKER	BOARD MEMBER	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	$5,829,860	$5,691,701	$78,160,436	$138,159
2024	No data	No data	No data	No data
2023	$5,752,121	$5,344,105	$80,588,974	$408,016
2022	$4,938,371	$4,497,909	$85,091,786	$440,462
2021	$4,588,349	$4,327,335	$84,432,657	$261,014
2020	$4,127,178	$4,078,919	$76,182,619	$48,259
2019	$3,935,786	$3,892,586	$68,585,676	$43,200

ENBRIGHT CREDIT UNION