TVA COMMUNITY CREDIT UNION (EIN 630306291) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1936

Legal Domicile

Principal Officer

SAMMY CLEMENTS

Phone

2563863000

Tax Period

2025-01-01 to 2025-12-31

TVA COMMUNITY CREDIT UNION, founded in 1936, is a mid-sized nonprofit that reported $12.2M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $3.4M, a strong 28% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES TO MEMBERS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $11,593,875

Investment Income $6,261,574

Other Revenue $669,855

TOTAL REVENUE $18,525,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,439,770

Fundraising Expenses $0

Program Expenses $13,475,458

Other Expenses $9,035,689

TOTAL EXPENSES $13,475,459

Year-over-Year Comparison

	2025	2024	Change
Revenue	$18,525,304	$18,393,055	+0.0%
Expenses	$13,475,459	$13,298,443	+0.0%
Net Income	$5,049,845	$5,094,612	0.0%

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

$634,685

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMMY CLEMENTS	CEO	40.00	Officer	$243,929	$84,432	$328,361
SHERRY VAUGHN	CFO	40.00	Officer	$95,233	$42,722	$137,955
AMY MCCORMACK	VP OF OPERAT	40.00	Officer	$115,037	$53,332	$168,369
HEATHER MONTGOMERY	BOARD MEMBER	1.00	Director	$0	$0	$0
TIMOTHY CORNELIUS	BOARD VICE C	1.00	Director	$0	$0	$0
CLAUDE EUBANKS JR	BOARD MEMBER	1.00	Director	$0	$0	$0
COLANDRA NELSON	BOARD MEMBER	1.00	Director	$0	$0	$0
LEWIS FREDERICK	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY J LIGON	BOARD MEMBER	1.00	Director	$0	$0	$0
LARRY SOFTLEY	BOARD CHAIR	1.00	Director	$0	$0	$0
JAMES JIM GREEN	BOARD MEM	1.00	Director	$0	$0	$0
FRANCES WEATHERFORD	BOD SEC/TREA	N/A	Director	$0	$0	$0
JOHN SOILEAU	SUPER COM CH	1.00	Officer	$0	$0	$0
CAMERON KAY	SUPERVISORY	1.00	Officer	$0	$0	$0
JOAN MARSH	SUPERVISORY	N/A	Officer	$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	$18,525,304	$13,475,459	$416,169,359	$5,049,845
2024	$18,393,055	$13,298,443	$398,193,616	$5,094,612
2023	$15,805,515	$9,821,796	$406,332,778	$5,983,719
2022	$12,113,228	$8,841,934	$393,706,380	$3,271,294
2021	$11,164,700	$8,585,549	$415,375,997	$2,579,151
2020	$11,970,944	$9,243,229	$378,321,641	$2,727,715
2019	$12,408,213	$9,914,014	$335,592,570	$2,494,199
2018	$12,155,272	$8,760,242	$312,333,209	$3,395,030

TVA COMMUNITY CREDIT UNION