FEDERAL EMPLOYEES CREDIT UNION (EIN 630416506) - 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

1958

Legal Domicile

Principal Officer

GREG KELLER

Phone

2053224026

Tax Period

2025-01-01 to 2025-12-31

FEDERAL EMPLOYEES CREDIT UNION, founded in 1958, is a small nonprofit that reported $975K in total revenue in fiscal year 2018. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $902K left a modest 8% surplus.

Mission

CREDIT UNION- TO PROVIDE SERVICES FOR APPROXIMATELY 1,737 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

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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 $857,265

Investment Income $359,493

Other Revenue $12,275

TOTAL REVENUE $1,229,033

Expense Breakdown

Grants Paid $0

Salaries & Benefits $391,575

Fundraising Expenses $0

Program Expenses $1,205,658

Other Expenses $814,085

TOTAL EXPENSES $1,205,660

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,229,033	$1,112,597	+0.1%
Expenses	$1,205,660	$1,092,611	+0.1%
Net Income	$23,373	$19,986	+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

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

$111,471

Total Directors

$111,471

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG KELLER	TREASURER/CE	40.00	Officer Director	$97,921	$13,550	$111,471
ROCKY COOK	BOD CHAIRMAN	1.00	Director	$0	$0	$0
LARRY STANTLEY	BOD 1ST VICE	1.00	Director	$0	$0	$0
MELLANIE PINKINS	BOD 2ND VICE	1.00	Director	$0	$0	$0
CAROLYN COLEMAN	BOARD SECRET	1.00	Director	$0	$0	$0
CRYSTAL STANTLEY	SUPERVISORY	1.00	Officer	$0	$0	$0
DOLORES WEEKS	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	$1,229,033	$1,205,660	$19,364,456	$23,373
2024	$1,112,597	$1,092,611	$18,829,743	$19,986
2023	$898,361	$1,050,843	$17,800,062	$-152,482
2022	$856,545	$845,042	$18,567,679	$11,503
2021	$823,405	$767,183	$18,707,672	$56,222
2020	$863,627	$838,182	$18,688,913	$25,445
2019	$934,747	$908,956	$16,851,513	$25,791
2018	$975,272	$901,650	$18,902,545	$73,622

FEDERAL EMPLOYEES CREDIT UNION