CITY CREDIT UNION (EIN 630456978) - 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

1950

Legal Domicile

Principal Officer

CASTIE KINARD

Phone

2053494209

Tax Period

2025-01-01 to 2025-12-31

CITY CREDIT UNION, founded in 1950, is a small nonprofit that reported $861K in total revenue in fiscal year 2018. Expenses of $811K left a modest 6% 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 $852,507

Investment Income $135,583

Other Revenue $80,812

TOTAL REVENUE $1,068,902

Expense Breakdown

Grants Paid $0

Salaries & Benefits $386,918

Fundraising Expenses $0

Program Expenses $803,030

Other Expenses $416,111

TOTAL EXPENSES $803,029

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,068,902	$981,990	+0.1%
Expenses	$803,029	$862,499	-0.1%
Net Income	$265,873	$119,491	+1.2%

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

$89,948

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASTIE KINARD	MANAGER/CEO	40.00	Officer	$75,491	$14,457	$89,948
RUSSELL LAWRENCE	SUPERVISORY	1.00	Officer	$0	$0	$0
PHILLIP SIMPSON	SUPERVISORY	1.00	Officer	$0	$0	$0
JACK THOMPSON	SUPERVISORY	1.00	Officer	$0	$0	$0
ERIC DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
LESTER WALKER	BOARD PRESID	1.00	Director	$0	$0	$0
JEAN HAMITER	BOARD VICE P	1.00	Director	$0	$0	$0
DIANE WYATT	BOARD TREASU	1.00	Director	$0	$0	$0
MIKE MONTGOMERY	BOARD TREASU	1.00	Director	$0	$0	$0
MICHELLE CARROLL	CREDIT COMMI	1.00	Officer	$0	$0	$0
BARRY FRANKLIN	CREDIT COMMI	1.00	Officer	$0	$0	$0
EDDIE GOINS	CREDIT COMMI	1.00	Officer	$0	$0	$0
KEITH HARDEMON	CREDIT COMMI	1.00	Officer	$0	$0	$0
MATTHEW ODUM	CREDIT COMMI	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	$1,068,902	$803,029	$19,408,276	$265,873
2024	$981,990	$862,499	$19,137,811	$119,491
2023	$944,905	$689,174	$21,585,822	$255,731
2022	$821,644	$749,553	$21,143,196	$72,091
2021	$795,648	$733,407	$22,323,384	$62,241
2020	$870,240	$722,607	$20,365,587	$147,633
2019	$880,676	$753,257	$17,173,521	$127,419
2018	$861,419	$811,395	$18,427,432	$50,024

CITY CREDIT UNION