RAILWAY EMPLOYEES CREDIT UNION (EIN 630362060) - 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

1935

Legal Domicile

Principal Officer

MARY LEIGH MATTHEWS

Phone

2563837940

Tax Period

2025-01-01 to 2025-12-31

RAILWAY EMPLOYEES CREDIT UNION, founded in 1935, is a small nonprofit that reported $607K in total revenue in fiscal year 2018. Net assets of $4.1M represent 82 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 $460,480

Investment Income $391,369

Other Revenue $0

TOTAL REVENUE $851,849

Expense Breakdown

Grants Paid $0

Salaries & Benefits $270,323

Fundraising Expenses $0

Program Expenses $667,407

Other Expenses $397,084

TOTAL EXPENSES $667,407

Year-over-Year Comparison

	2025	2024	Change
Revenue	$851,849	$749,167	+0.1%
Expenses	$667,407	$604,172	+0.1%
Net Income	$184,442	$144,995	+0.3%

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

$133,920

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY LEIGH MATTHEWS	MANAGER	40.00	Officer	$111,000	$22,920	$133,920
JAMES FULLER	BOD MEMBER	1.00	Director	$0	$0	$0
LUTHER GRISHAM	BOD VICE PRE	1.00	Director	$0	$0	$0
JAMES HAMILTON	BOD SEC/TRES	1.00	Director	$0	$0	$0
DAVID MEEKS	BOD PRESIDEN	1.00	Director	$0	$0	$0
GARY UTLEY	BOD MEMBER	1.00	Director	$0	$0	$0
AUDREY BAILEY	SC MEMBER	1.00	Officer	$0	$0	$0
ROY E CLEMENT	SC MEMBER	1.00	Officer	$0	$0	$0
CHARLES RICKARD	CREIT COMMIT	1.00	Officer	$0	$0	$0
JEREMY UTLEY	CREDIT COMMI	1.00	Officer	$0	$0	$0
DANNY WEEKS	CREDIT COMMI	1.00	Officer	$0	$0	$0
PHILLIP WRIGHT	SC CHAIR	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	$851,849	$667,407	$20,111,200	$184,442
2024	$749,167	$604,172	$18,019,242	$144,995
2023	$658,972	$548,414	$17,549,343	$110,558
2022	$558,613	$475,760	$18,908,048	$82,853
2021	$477,429	$470,528	$20,714,368	$6,901
2020	$557,723	$565,346	$18,977,543	$-7,623
2019	$629,317	$713,854	$17,405,670	$-84,537
2018	$606,801	$634,957	$17,982,103	$-28,156

RAILWAY EMPLOYEES CREDIT UNION