CREDIT UNIONS IN THE STATE OF AL LISTERHILL CREDIT UNION (EIN 630333902) - 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

1952

Legal Domicile

Principal Officer

BRAD GREEN

Phone

2563839204

Tax Period

2023-01-01 to 2023-12-31

CREDIT UNIONS IN THE STATE OF AL LISTERHILL CREDIT UNION, founded in 1952, is a mid-sized nonprofit that reported $51.0M in total revenue in fiscal year 2018. Expenses of $48.2M left a modest 5% surplus.

Mission

TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS 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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $56,039,400

Investment Income $3,791,273

Other Revenue $22,225,132

TOTAL REVENUE $82,055,805

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $30,477,752

Fundraising Expenses $0

Other Expenses $53,581,111

TOTAL EXPENSES $84,061,363

Year-over-Year Comparison

	2023	2022	Change
Revenue	$82,055,805	$65,807,803	+0.2%
Expenses	$84,061,363	$57,533,814	+0.5%
Net Income	$-2,005,558	$8,273,989	-1.2%

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

316

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

$3,516,025

Total Directors

Key Employees

$248,538

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK LINDER	CHAIRPERSON	1.00	Director	$0	$0	$0
MARK MASSEY	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN BUTTRUM	DIRECTOR	1.00	Director	$0	$0	$0
LARRY HESTER	DIRECTOR	1.00	Director	$0	$0	$0
ALEX GODWIN	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
BOB LITTLE	VICE CHAIRPERSON	1.00	Director	$0	$0	$0
DAVID CRAIG	DIRECTOR	1.00	Director	$0	$0	$0
BRAD GREEN	CEO/PRESIDENT	40.00	Officer	$631,883	$136,572	$768,455
JEREMY TERRY	CHIEF PEOPLE STRATEGIST	40.00	Officer	$227,726	$66,887	$294,613
AMANDA WARRINER	CHIEF LEGAL AND RISK STRATEGIST	40.00	Officer	$238,719	$57,459	$296,178
ALANNA SULLIVAN	CHIEF OPERATIONS STRATEGIST	40.00	Officer	$331,307	$66,163	$397,470
CARLA HARPER	SVP ACCOUNTING	40.00	Officer	$237,223	$65,131	$302,354
SCOTT LOVELACE	CHIEF MARKET STRATEGIST	40.00	Officer	$270,502	$62,842	$333,344
JOHNATHAN GRAY	CHIEF INFORMATION AND TECHNOLOGY STRATEGI	40.00	Officer	$239,277	$48,263	$287,540
DARYL MCMINN	CHIEF LENDING STRATEGIST	40.00	Officer	$279,503	$77,558	$357,061
CLAY MORGAN	CHIEF FINANCIAL STRATEGIS	40.00	Officer	$381,241	$97,769	$479,010
ABIGAIL GADDY	CHIEF STRATEGY OFFICER	40.00	Key Emp	$187,283	$61,255	$248,538
JEREMY WALTON	AVP COMMERCIAL LENDING	40.00	Highest	$198,882	$63,955	$262,837
CASEY BRENT NEILL	MORTGAGE LOAN OFFICER	40.00	Highest	$221,168	$67,808	$288,976
ANDREW CLARK	SR. FINANCIAL ADVISOR	40.00	Highest	$402,035	$100,510	$502,545
DEWANE F ECKL	AVP COMMERCIAL LENDING	40.00	Highest	$239,331	$56,061	$295,392
ROBERT MICHAEL	MARKET DEVELOPMENT PRESIDENT	40.00	Highest	$188,660	$53,530	$242,190

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	No data	No data	No data	No data
2023	$82,055,805	$84,061,363	$1,402,871,969	$-2,005,558
2022	$65,807,803	$57,533,814	$1,315,891,880	$8,273,989
2021	$57,547,152	$50,316,781	$1,142,398,865	$7,230,371
2020	$52,670,923	$48,288,169	$1,044,353,528	$4,382,754
2020	$52,670,923	$48,288,169	$1,044,353,528	$4,382,754
2019	$53,487,790	$49,779,098	$876,028,871	$3,708,692
2018	$50,961,600	$48,201,781	$790,038,024	$2,759,819

CREDIT UNIONS IN THE STATE OF AL LISTERHILL CREDIT UNION