CHAMPION COMMUNITY CREDIT UNION (EIN 630975376) - 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

1971

Legal Domicile

Principal Officer

REGZEY CARPENTER

Phone

2566376511

Tax Period

2025-01-01 to 2025-12-31

CHAMPION COMMUNITY CREDIT UNION, founded in 1971, is a community nonprofit that reported $2.3M in total revenue in fiscal year 2018. Net assets of $6.2M represent 32 months of operating reserves.

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 $1,733,426

Investment Income $732,399

Other Revenue $176,751

TOTAL REVENUE $2,642,576

Expense Breakdown

Grants Paid $0

Salaries & Benefits $712,102

Fundraising Expenses $0

Program Expenses $2,219,144

Other Expenses $1,507,042

TOTAL EXPENSES $2,219,144

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,642,576	$2,618,898	+0.0%
Expenses	$2,219,144	$2,419,272	-0.1%
Net Income	$423,432	$199,626	+1.1%

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

$156,153

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REGZEY CARPENTER	PRESIDENT/CE	40.00	Officer	$119,122	$37,031	$156,153
EDWIN SMITH	BOARD MEMBR	1.00	Director	$0	$0	$0
ANDY CHORNEY	BOARD VICE C	1.00	Director	$0	$0	$0
DORIS GARNER	BOARD SECRET	1.00	Director	$0	$0	$0
TIM AGEE	BOARD MEMBER	1.00	Director	$0	$0	$0
GARLAND BURDEN	BOARD TREASU	1.00	Director	$0	$0	$0
KEN ROMINE	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICK MASON	BOAR CHAIR	1.00	Director	$0	$0	$0
ALICIA BARNES	SUPERVIS COM	1.00	Officer	$0	$0	$0
RANDY RIDDELL	SUPERVISORY	1.00	Officer	$0	$0	$0
GLENN SKELTON	SUPERVISORY	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	$2,642,576	$2,219,144	$50,891,590	$423,432
2024	No data	No data	No data	No data
2023	$2,577,466	$2,153,900	$49,664,882	$423,566
2022	$2,099,292	$1,882,290	$56,072,100	$217,002
2021	$1,977,274	$1,996,891	$59,774,858	$-19,617
2020	$2,192,495	$2,169,189	$57,737,873	$23,306
2019	$2,424,759	$2,473,485	$52,430,632	$-48,726
2018	$2,345,135	$2,302,574	$50,595,112	$42,561

CHAMPION COMMUNITY CREDIT UNION