THE CREDIT UNION FOR ROBERTSON COUNTY (EIN 626118790) - 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

1991

Legal Domicile

Principal Officer

BRENDA BELLAR

Phone

6153828255

Tax Period

2025-01-01 to 2025-12-31

THE CREDIT UNION FOR ROBERTSON COUNTY, founded in 1991, is a community nonprofit that reported $6.8M in total revenue in fiscal year 2025. Expenses of $6.1M left a modest 10% surplus.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

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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 $5,244,220

Investment Income $751,880

Other Revenue $765,960

TOTAL REVENUE $6,762,060

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,888,615

Fundraising Expenses $0

Program Expenses $6,115,914

Other Expenses $3,227,299

TOTAL EXPENSES $6,115,914

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,762,060	$6,625,117	+0.0%
Expenses	$6,115,914	$6,194,426	0.0%
Net Income	$646,146	$430,691	+0.5%

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

$589,931

Total Directors

$164,273

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA BELLAR	PRES/CEO/TRE	40.00	Officer Director	$138,216	$26,057	$164,273
SHANNON PLUNKETT	VP IT AND MA	40.00	Officer	$101,607	$6,431	$108,038
SAMANTHA WHITBY	CONTROLLER	40.00	Officer	$98,447	$7,011	$105,458
PEGGY MORELAND	LOAN OFFICER	40.00	Officer	$108,019	$104,143	$212,162
TERESA LABORG	BOD CHAIR/SC	1.00	Officer Director	$0	$0	$0
MARILYN WORSHAM	VICE CHAIR/P	1.00	Director	$0	$0	$0
WANDA MASON	BOARD SECRET	1.00	Director	$0	$0	$0
RHEA ANN PENDLEY	BOARD MEM/SC	1.00	Officer Director	$0	$0	$0
MARK REID	BOARD MEMBER	1.00	Director	$0	$0	$0
BAYARD SHELTON	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	$6,762,060	$6,115,914	$83,568,581	$646,146
2024	$6,625,117	$6,194,426	$83,892,720	$430,691
2023	$6,256,723	$5,280,015	$82,577,595	$976,708
2022	$5,294,390	$4,239,785	$86,365,962	$1,054,605
2021	$4,974,867	$4,205,458	$77,865,304	$769,409
2020	$4,459,903	$4,078,659	$69,404,196	$381,244
2019	$4,451,401	$4,093,678	$60,869,212	$357,723
2018	$4,350,088	$3,943,133	$54,409,375	$406,955

THE CREDIT UNION FOR ROBERTSON COUNTY