BIRMINGHAM CITY CREDIT UNION (EIN 630368585) - Form 990 Financial Analysis & Trantor Score

🔒

Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1956

Legal Domicile

Principal Officer

CARRIE PLAYER

Phone

2055834654

Tax Period

2024-01-01 to 2024-12-31

BIRMINGHAM CITY CREDIT UNION, founded in 1956, is a small nonprofit that reported $822K in total revenue in fiscal year 2018. The organization ran a surplus of $147K, a strong 18% operating margin.

Mission

CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,075,453

Investment Income $41,341

Other Revenue $10,879

TOTAL REVENUE $1,127,673

Expense Breakdown

Grants Paid $0

Salaries & Benefits $411,083

Fundraising Expenses $0

Program Expenses $1,112,702

Other Expenses $701,619

TOTAL EXPENSES $1,112,702

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,127,673	$1,173,190	0.0%
Expenses	$1,112,702	$1,123,955	0.0%
Net Income	$14,971	$49,235	-0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$248,613

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARRIE PLAYER	CEO/TREASURE	40.00	Officer	$112,840	$26,759	$139,599
KRISTIN FINCH	ASSISTANT MA	40.00	Officer	$84,054	$24,960	$109,014
JAMES ROBINETT	BOARD CHAIRM	1.00	Director	$0	$0	$0
EDDIE LEE	BOARD VICE C	1.00	Director	$0	$0	$0
KAREN WREN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARILYN CHAPMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS BENTLEY	BOARD SECRET	1.00	Director	$0	$0	$0
ANDREA STALLWORTH	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT AVERHART	BOARD MEMBER	1.00	Director	$0	$0	$0
SEDRICK RUTLEDGE	SUPERVISORY	1.00	Officer	$0	$0	$0
TAMELA PARRISH	SUPERVISORY	1.00	Officer	$0	$0	$0
ANGELA BRYANT	SUPERVISORY	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	No data	No data	No data	No data
2024	$1,127,673	$1,112,702	$9,106,560	$14,971
2023	$1,173,190	$1,123,955	$9,744,305	$49,235
2022	$966,521	$912,694	$9,351,137	$53,827
2021	$823,840	$719,351	$9,688,772	$104,489
2020	$911,265	$910,475	$9,248,611	$790
2019	$935,792	$844,849	$8,984,115	$90,943
2018	$821,642	$674,293	$8,765,737	$147,349

BIRMINGHAM CITY CREDIT UNION