MOBILE GOVERNMENT EMPLOYEES CREDIT UNION (EIN 630317160) - 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

1928

Legal Domicile

Principal Officer

WINIFRED MAIBEN

Phone

2516944100

Tax Period

2025-01-01 to 2025-12-31

MOBILE GOVERNMENT EMPLOYEES CREDIT UNION, founded in 1928, is a small nonprofit that reported $579K in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. Net assets of $3.2M represent 67 months of operating reserves.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS 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 $182,416

Investment Income $457,375

Other Revenue $0

TOTAL REVENUE $639,791

Expense Breakdown

Grants Paid $0

Salaries & Benefits $213,189

Fundraising Expenses $0

Program Expenses $524,207

Other Expenses $311,018

TOTAL EXPENSES $524,207

Year-over-Year Comparison

	2025	2024	Change
Revenue	$639,791	$635,507	+0.0%
Expenses	$524,207	$619,137	-0.2%
Net Income	$115,584	$16,370	+6.1%

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

$76,440

Total Directors

$76,440

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WINIFRED MAIBEN	MANAGER/BOD	40.00	Officer Director	$76,440	$0	$76,440
DEBRA BRADSHAW	BOARD MEMBER	1.00	Director	$0	$0	$0
JANET DRISKELL	BOARD PRESID	1.00	Director	$0	$0	$0
CURTIS FLAKES	BOARD VICE P	1.00	Director	$0	$0	$0
BETSY HICKS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN IVEY	SUPERVI COMM	1.00	Officer	$0	$0	$0
LAUREN LOCKLIER	CREDIT COMM	1.00	Officer	$0	$0	$0
CLARA POTTER	SUPERVISORY	1.00	Officer	$0	$0	$0
SONYA RODGERS	CREDIT COMM	1.00	Officer	$0	$0	$0
LITA TROTTER	SUPERVISORY	1.00	Officer	$0	$0	$0
KAREN WILLIAMS	CREDIT COMM	1.00	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	$639,791	$524,207	$15,503,051	$115,584
2024	No data	No data	No data	No data
2023	$620,832	$620,385	$20,865,997	$447
2022	$482,433	$474,261	$22,863,008	$8,172
2021	$403,023	$418,968	$23,671,029	$-15,945
2020	$478,105	$481,825	$22,020,717	$-3,720
2019	$567,875	$565,395	$20,154,673	$2,480
2018	$579,169	$579,220	$20,559,698	$-51

MOBILE GOVERNMENT EMPLOYEES CREDIT UNION