SCENIC COMMUNITY CREDIT UNION (EIN 626042274) - 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

1954

Legal Domicile

Principal Officer

MARTY STUBBLEFIELD

Phone

4238756955

Tax Period

2024-01-01 to 2024-12-31

SCENIC COMMUNITY CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $11.6M in total revenue in fiscal year 2024. Revenue surged 41% from the prior year, signaling strong growth momentum. Expenses of $11.3M left a modest 3% surplus.

Mission

SCENIC COMMUNITY CREDIT UNION IS A STATE-CHARTERED CREDIT UNION MUTUALLY OWNED BY OUR 15,182 MEMBERS, TO PROMOTE THRIFT, ISSUE SHARES AND MAINTAIN ACCOUNTS, AND MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED CURRENTLY FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $10,802,627

Investment Income $845,806

Other Revenue $0

TOTAL REVENUE $11,648,433

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,303,951

Fundraising Expenses $0

Program Expenses $3,250,701

Other Expenses $5,154,696

TOTAL EXPENSES $11,250,404

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,648,433	$8,288,565	+0.4%
Expenses	$11,250,404	$7,920,610	+0.4%
Net Income	$398,029	$367,955	+0.1%

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

$475,784

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALLEN NEELY	CHAIRMAN	2.00	Director	$0	$0	$0
STAN HOPKINS	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
PETER ENSIGN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID WAYNE DENHAM	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT MADER	VICE CHAIRMAN	1.00	Director	$0	$0	$0
JAY LAND	DIRECTOR	1.00	Director	$0	$0	$0
MARTY STUBBLEFIELD	CEO	40.00	Officer	$175,000	$16,772	$191,772
RODNEY SELCER	CHIEF LENDING OFFICER	40.00	Officer	$125,641	$12,457	$138,098
JULIE RAINES	CHIEF FINANCIAL OFFICER	40.00	Officer	$138,391	$7,523	$145,914

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
2024	$11,648,433	$11,250,404	$160,971,834	$398,029
2023	$8,288,565	$7,920,610	$154,884,613	$367,955
2022	$6,491,428	$6,045,938	$150,196,586	$445,490
2021	$5,480,550	$4,986,858	$146,579,174	$493,692
2020	$5,671,225	$5,292,990	$134,390,264	$378,235
2019	$5,658,575	$5,616,703	$120,436,877	$41,872
2018	$5,513,274	$5,346,042	$119,057,755	$167,232

SCENIC COMMUNITY CREDIT UNION