NAHEOLA CREDIT UNION (EIN 630416876) - 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

1959

Legal Domicile

Principal Officer

MARK JOHNSON

Phone

2056542370

Tax Period

2024-01-01 to 2024-12-31

NAHEOLA CREDIT UNION, founded in 1959, is a community nonprofit that reported $6.3M in total revenue in fiscal year 2018. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $1.6M, a strong 25% operating margin.

Mission

COOPERATIVE CREDIT UNION

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $13,423,300

Investment Income $0

Other Revenue $0

TOTAL REVENUE $13,423,300

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,757,960

Fundraising Expenses $0

Program Expenses $11,149,167

Other Expenses $8,391,208

TOTAL EXPENSES $11,149,168

Year-over-Year Comparison

	2024	2023	Change
Revenue	$13,423,300	$11,164,826	+0.2%
Expenses	$11,149,168	$8,978,138	+0.2%
Net Income	$2,274,132	$2,186,688	+0.0%

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

$426,265

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLARD E MCDONALD	BOARD MEMBER	1.00	Director	$0	$0	$0
CORY W MARTIN	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSEPH M MCILWAIN	BOARD SECRETARY	1.00	Director	$0	$0	$0
WILLIAM S ADAMS	BOARD VICE CHAIRPERSON	1.00	Director	$0	$0	$0
LYNETTE M BARKLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSEPH M MOODY	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
JOHN R RAMSEY	BOARD MEMBER	1.00	Director	$0	$0	$0
TONY W JACKSON	SUPERVISORY COMMITTEE CHAIR	1.00	Director	$0	$0	$0
AVIE N LINDSEY	SUPERVISORY COMMITTEE MEMB	1.00	Director	$0	$0	$0
WILLIAM TRAEGER	SUPERVISORY COMMITTEE MEMB	1.00	Director	$0	$0	$0
MARK J JOHNSON	CEO	40.00	Officer	$224,332	$30,182	$254,514
CHARLES MORGAN REYNOLDS	COO	40.00	Officer	$140,800	$30,951	$171,751
CHARLES E SINGLETON	AREA PRESIDENT	40.00	Highest	$175,800	$12,152	$187,952
JAMES STANFORD	SR VP LENDING	40.00	Highest	$156,900	$9,055	$165,955

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	$13,423,300	$11,149,168	$196,979,015	$2,274,132
2023	$11,164,826	$8,978,138	$181,154,521	$2,186,688
2022	$9,386,778	$7,082,736	$165,827,709	$2,304,042
2021	$8,796,117	$6,837,627	$166,557,513	$1,958,490
2020	$8,482,129	$6,870,453	$154,785,200	$1,611,676
2019	$7,309,927	$6,154,510	$119,021,495	$1,155,417
2018	$6,258,176	$4,693,622	$104,222,040	$1,564,554

NAHEOLA CREDIT UNION