OPP-MICOLAS CREDIT UNION (EIN 630337813) - 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

1954

Legal Domicile

Principal Officer

DEBORAH DEAN

Phone

3344936434

Tax Period

2025-01-01 to 2025-12-31

OPP-MICOLAS CREDIT UNION, founded in 1954, is a small nonprofit that reported $466K in total revenue in fiscal year 2018. Net assets of $3.2M represent 83 months of operating reserves.

Mission

CODE OF ALABAMA, SEC. 5-17-1. A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST.

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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 $195,494

Investment Income $314,983

Other Revenue $17,155

TOTAL REVENUE $527,632

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,557

Fundraising Expenses $0

Program Expenses $580,376

Other Expenses $149,031

TOTAL EXPENSES $580,376

Year-over-Year Comparison

	2025	2024	Change
Revenue	$527,632	$570,605	-0.1%
Expenses	$580,376	$613,708	-0.1%
Net Income	$-52,744	$-43,103	+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

N/A

Independent Members

N/A

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

Total Directors

$120,359

Key Employees

$170,469

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH DEAN	MANAGER	40	Director Key Emp	$120,359	$0	$120,359
KYLER FRAZIER	MANAGER	40	Key Emp	$50,110	$0	$50,110
DANNY F FAULK	BOARD PRESIDENT	0	Director	$0	$0	$0
CHRIS LAWRENCE	VICE PRESIDENT	0	Director	$0	$0	$0
JEFFERY BOUTWELL	SECRETARY	0	Director	$0	$0	$0
NATHAN STOUDMIRE	BOARD MEMBER	0	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	$527,632	$580,376	$10,360,171	$-52,744
2024	No data	No data	No data	No data
2023	$580,572	$569,965	$11,597,217	$10,607
2022	$323,153	$502,285	$12,497,129	$-179,132
2021	$289,442	$501,483	$12,744,339	$-212,041
2020	$395,666	$491,097	$12,248,492	$-95,431
2019	$477,678	$477,222	$11,973,068	$456
2018	$466,216	$460,762	$12,334,739	$5,454

OPP-MICOLAS CREDIT UNION