ALABAMA RIVER CREDIT UNION (EIN 630779069) - 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

1980

Legal Domicile

Principal Officer

SHARON DOWNING

Phone

2515752921

Tax Period

2025-01-01 to 2025-06-30

ALABAMA RIVER CREDIT UNION, founded in 1980, is a small nonprofit that reported $826K in total revenue in fiscal year 2018. Net assets of $2.2M represent 31 months of operating reserves.

Mission

TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $179,222

Investment Income $212,792

Other Revenue $121,159

TOTAL REVENUE $513,173

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,087

Fundraising Expenses $0

Other Expenses $301,861

TOTAL EXPENSES $490,948

Year-over-Year Comparison

	2024	2023	Change
Revenue	$513,173	$1,033,198	-0.5%
Expenses	$490,948	$1,010,085	-0.5%
Net Income	$22,225	$23,113	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

N/A

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

$59,091

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHNNY HOUSE	PRESIDENT	3.00	Director	$0	$0	$0
MICHAEL HORNADY	VICE-PRESIDENT	3.00	Director	$0	$0	$0
JOHNNY MCLELLAND	SECRETARY/TREASURER	3.00	Director	$0	$0	$0
SHANNON CASEY	DIRECTOR	3.00	Director	$0	$0	$0
VICTOR SAWYER	DIRECTOR	3.00	Director	$0	$0	$0
ANTHONY THOMAS	DIRECTOR	3.00	Director	$0	$0	$0
GREG BAGGETT	DIRECTOR	3.00	Director	$0	$0	$0
SHARON DOWNING	PRESIDENT/CEO	40.00	Officer	$49,279	$9,812	$59,091

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	$513,173	$490,948	No data	$22,225
2024	No data	No data	No data	No data
2023	$922,394	$891,129	$21,802,955	$31,265
2022	$847,705	$842,229	$22,806,177	$5,476
2021	$769,711	$756,326	$23,037,433	$13,385
2020	$775,262	$774,309	$21,514,773	$953
2019	$853,878	$852,941	$17,993,493	$937
2018	$825,536	$808,236	$18,211,204	$17,300

ALABAMA RIVER CREDIT UNION