CHEM FAMILY CREDIT UNION (EIN 636043518) - 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

1928

Legal Domicile

Phone

2562370651

Tax Period

2025-01-01 to 2025-12-31

CHEM FAMILY CREDIT UNION, founded in 1928, is a small nonprofit in the Public & Societal Benefit sector that reported $180K in total revenue in fiscal year 2018. Revenue grew 17% year-over-year, indicating healthy expansion. Net assets of $6.7M represent 450 months of operating reserves.

Mission

Credit Union providing banking, loan, and savings services to its members which are employees or retirees of Eastman Corporation.

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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 $0

Investment Income $122,039

Other Revenue $73,766

TOTAL REVENUE $195,805

Expense Breakdown

Grants Paid $0

Salaries & Benefits $32,474

Fundraising Expenses $0

Program Expenses $196,232

Other Expenses $163,758

TOTAL EXPENSES $196,232

Year-over-Year Comparison

	2025	2024	Change
Revenue	$195,805	$169,805	+0.2%
Expenses	$196,232	$169,322	+0.2%
Net Income	$-427	$483	-1.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JERRY L BROWN	BD OF DIRECTORS MEMBER	1.00	Director	$0	$0	$0
ALAN RUTHERFORD	PRESIDENT	1.00	Officer Director	$0	$0	$0
DAVID NORTON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
MICHELLE SPURLIN	BD OF DIRECTORS MEMBER	1.00	Director	$0	$0	$0
CHAD MOORE	BD OF DIRECTORS MEMBER	1.00	Director	$0	$0	$0
RHONDA V HEIFNER	SECRETARY	1.00	Officer	$0	$0	$0
ASHLEY PATRICK	TREASURER MANAGER	20.00	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	$195,805	$196,232	$4,003,580	$-427
2024	$169,805	$169,322	$4,423,190	$483
2023	$132,559	$132,439	$5,646,750	$120
2022	$80,624	$80,543	$7,263,600	$81
2021	$91,563	$91,989	$7,363,774	$-426
2020	$156,673	$151,435	$7,171,309	$5,238
2019	$196,465	$187,250	$6,862,798	$9,215
2018	$179,649	$175,190	$6,736,614	$4,459

CHEM FAMILY CREDIT UNION