CHURCH OF GOD CREDIT UNION

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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

1993

Legal Domicile

Principal Officer

MARK RICE

Phone

4234792168

Tax Period

2025-01-01 to 2025-12-31

CHURCH OF GOD CREDIT UNION, founded in 1993, is a small nonprofit that reported $466K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $441K left a modest 5% surplus.

Mission

CHURCH OF GOD CREDIT UNION WAS ESTABLISHED AS A FINANCIAL INSTITUTION TO MEET THE GROWING NEEDS OF THE CHURCH OF GOD ENTITIES.

Program Service Accomplishments

Program 1

THE CREDIT UNION PROVIDES SEVERAL DEPOSIT ACCOUNT TYPES TO MEMBERS INCLUDING SAVINGS, CHECKING CERTIFICATE AND OTHER. THE TOTAL NUMBER OF MEMBERS AS OF 12/31/2025 WAS 964.

Program 2

THE CREDIT UNION PROVIDES A VARIETY OF LOANS TO MEMBERS. THE TOTAL NUMBER OF LOANS OUTSTANDING AT 12/31/2025 WAS 465.

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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 $432,004

Investment Income $33,541

Other Revenue $0

TOTAL REVENUE $465,545

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,754

Fundraising Expenses $0

Other Expenses $293,799

TOTAL EXPENSES $440,553

Year-over-Year Comparison

	2025	2024	Change
Revenue	$465,545	$408,346	+0.1%
Expenses	$440,553	$386,710	+0.1%
Net Income	$24,992	$21,636	+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

$70,390

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK RICE	CEO	40.00	Officer	$70,390	$0	$70,390
JAMES GOLDEN	Director	1.00	Director	$0	$0	$0
CARISSA BEASLEY	Secretary	1.00	Director	$0	$0	$0
LETO ZACHARIA	Chairman	1.00	Director	$0	$0	$0
WALTER BROWNING	Director	1.00	Director	$0	$0	$0
MICHAEL LUITHLE	Director	1.00	Director	$0	$0	$0
CARRIE RICE	Treasurer	1.00	Director	$0	$0	$0
ERICA STEWART	Director	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	$465,545	$440,553	$6,757,248	$24,992
2024	$408,346	$386,710	$6,430,430	$21,636
2023	$355,239	$317,780	$6,398,724	$37,459
2022	$317,617	$302,782	$5,693,878	$14,835
2021	$405,572	$448,272	$6,625,671	$-42,700
2020	$367,718	$299,780	$6,494,509	$67,938
2019	$193,896	$291,958	$4,834,229	$-98,062
2018	$204,053	$220,597	$5,058,152	$-16,544