BRENTWOOD, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)KOIN CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $1.8M exceeded revenue, resulting in a 25% operating deficit.
THE PURPOSES OF THIS CREDIT UNION SHALL BE TO PROMOTE GOOD ECONOMIC MANAGEMENT, TO ISSUE SHARES AND MAINTAIN ACCOUNTS, TO MAKE LOANS TO ITS MEMEBERS AT RESONABLE RATES OF INTEREST FOR PRUDENT PURPOSES, TO INVEST ANY SURPLUS NOT REQUIRED FOR LANS TO MEMEBERS IN THE WAY AND MANNER PROVIDED BY LAW, AND TO EXERCISE THOSE FUNCTIONS DESCRIBED IN THE LAWS OF THE STATE OF TENNESSEE AUTHORIZING THE ORGANZIATION OF CREDIT UNIONS.
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)| 2023 | 2022 | Change | |
|---|---|---|---|
| Revenue | $1,445,218 | $1,203,640 | +0.2% |
| Expenses | $1,812,740 | $1,654,806 | +0.1% |
| Net Income | $-367,522 | $-451,166 | -0.2% |
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 |
|---|---|---|---|---|---|---|
| OWEN JONES | VICE CHAIRMAN | 1.00 |
Director
|
$0 | $0 | $0 |
| TRACY BROOKS | SECRETARY | 1.00 |
Director
|
$0 | $0 | $0 |
| STEVE ACKLIN | TREASURER | 1.00 |
Director
|
$0 | $0 | $0 |
| SHAWN TOBE | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MIKE PUCKETT | CHAIRMAN | 1.00 |
Director
|
$0 | $0 | $0 |
| SARA MOFIELD | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JANICE BELL | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| SHAYNE GILPIN | SUPERVISORY COMMITTEE | 1.00 |
Director
|
$0 | $0 | $0 |
| MICKIE MALHAM | SUPERVISORY COMMITTEE | 1.00 |
Director
|
$0 | $0 | $0 |
| SHELBY SAWYER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MIKE NEILL | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JASON HENDERSON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| DOUG CLINTON | CEO | 40.00 |
Officer
|
$141,819 | $458 | $142,277 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2024 | No data | No data | No data | No data |
| 2023 | $1,445,218 | $1,812,740 | $38,532,997 | $-367,522 |
| 2022 | $1,203,640 | $1,654,806 | $42,251,248 | $-451,166 |
| 2021 | $1,242,004 | $1,483,845 | $47,682,396 | $-241,841 |
| 2020 | $1,626,571 | $1,607,561 | $47,267,745 | $19,010 |
| 2019 | $1,711,632 | $1,653,056 | $43,521,400 | $58,576 |
| 2018 | $1,605,788 | $1,479,776 | $43,679,291 | $126,012 |
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