RAILROAD COMMUNITY CREDIT UNION (EIN 630437941) - 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

SHARON HAZELWOOD

Phone

2059560678

Tax Period

2023-01-01 to 2023-12-31

RAILROAD COMMUNITY CREDIT UNION, founded in 1956, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2018. Revenue grew 10% year-over-year, indicating healthy expansion. Net assets of $12.6M represent 64 months of operating reserves.

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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,209,679

Investment Income $0

Other Revenue $0

TOTAL REVENUE $2,209,679

Expense Breakdown

Grants Paid $0

Salaries & Benefits $771,034

Fundraising Expenses $0

Program Expenses $2,109,553

Other Expenses $1,338,519

TOTAL EXPENSES $2,109,553

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,209,679	$1,723,193	+0.3%
Expenses	$2,109,553	$1,508,767	+0.4%
Net Income	$100,126	$214,426	-0.5%

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

$136,064

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LESLIE C SMITH	BOARD CHAIRPERSON	1.00	Director	$0	$0	$0
BRENDA ALDRIDGE	BOARD SECRETARY/TREASURER	1.00	Director	$0	$0	$0
MARSHALL W WALK	BOARD VICE CHAIRPERSON	1.00	Director	$0	$0	$0
MICHAEL L DARDEN	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY WADE-GREER	BOARD MEMBER	1.00	Director	$0	$0	$0
ALVIN ASH JR	BOARD MEMBER	1.00	Director	$0	$0	$0
FREDDY WILLIAMSON	BOARD MEMBER	1.00	Director	$0	$0	$0
CYNTHIA S SIMS	SUPERVISORY COMMITTEE CHAIRPERSON	1.00	Director	$0	$0	$0
LINDA G BASS	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
PATRICIA SHEETS	SUPERVISORY COMMITTEE	1.00	Director	$0	$0	$0
SHARON M HAZELWOOD	CEO/PRESIDENT	40.00	Officer	$107,444	$28,620	$136,064

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	No data	No data	No data	No data
2023	$2,209,679	$2,109,553	$104,913,454	$100,126
2022	$1,723,193	$1,508,767	$109,116,520	$214,426
2021	$1,772,194	$1,664,255	$112,826,528	$107,939
2020	$2,217,603	$2,192,218	$112,106,768	$25,385
2019	$2,610,795	$2,583,206	$106,268,219	$27,589
2018	$2,346,773	$2,308,560	$105,747,027	$38,213

RAILROAD COMMUNITY CREDIT UNION