VALLEY CREDIT UNION (EIN 630421601) - 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

1956

Legal Domicile

Principal Officer

DAWN TRUITT

Phone

2563814800

Tax Period

2025-01-01 to 2025-12-31

VALLEY CREDIT UNION, founded in 1956, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2018. Expenses of $2.9M left a modest 10% surplus.

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 $3,275,953

Investment Income $2,076,705

Other Revenue $32,404

TOTAL REVENUE $5,385,062

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,611,017

Fundraising Expenses $0

Program Expenses $4,843,256

Other Expenses $3,232,238

TOTAL EXPENSES $4,843,255

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,385,062	$4,861,176	+0.1%
Expenses	$4,843,255	$4,421,347	+0.1%
Net Income	$541,807	$439,829	+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

$231,277

Total Directors

$231,277

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAWN TRUITT	CEO/SEC/TREA	40.00	Officer Director	$186,550	$44,727	$231,277
ANTHONY RILEY	BOARD PRESID	1.00	Director	$0	$0	$0
SANDRA H JAMES	BOARD VICE P	1.00	Director	$0	$0	$0
DOUG WORLEY	BOARD PRESID	1.00	Director	$0	$0	$0
ROBERT MULLEN	BOARD VICE P	1.00	Director	$0	$0	$0
DR JOHN LANDERS	BOARD MEMBER	1.00	Director	$0	$0	$0
DR RICHARD GARDNER	BOARD MEMBER	1.00	Director	$0	$0	$0
ROYCE MASSEY	BOARD MEMBER	1.00	Director	$0	$0	$0
OTIS JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
TIM MORGAN	SUPV COMM ME	1.00	Officer	$0	$0	$0
BRITTANY GASTON	SUPERVISORY	1.00	Officer	$0	$0	$0
DR TIM MORGAN	SUPERVISOR C	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	$5,385,062	$4,843,255	$110,380,964	$541,807
2024	$4,861,176	$4,421,347	$103,235,318	$439,829
2023	$4,170,298	$3,878,663	$102,030,791	$291,635
2022	$3,328,227	$2,821,472	$96,274,453	$506,755
2021	$3,024,216	$2,614,213	$94,382,507	$410,003
2020	$3,029,403	$2,838,207	$85,610,701	$191,196
2019	$3,217,191	$2,934,793	$76,954,948	$282,398
2018	$3,165,194	$2,850,364	$71,773,776	$314,830

VALLEY CREDIT UNION