COMMUNITY SERVICE CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

John Hendricks

Phone

3962953980

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY SERVICE CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $12.6M in total revenue in fiscal year 2025. Expenses of $11.8M left a modest 7% surplus.

Mission

The mission of Community Service Credit Union is to promote and provide a range of financial services to meet the needs of the membership while adhering to sound financial practices for maintaining a healthy capital structure. Employ continuous research and development programs to discover and satisfy the needs of our member and provide well trained courteous credit union representatives to assist in improving the quality of lifestyle of our membership.

Program Service Accomplishments

Program 1

Expenses: $9,249,550 Revenue: $4,505,943

Membership Accounts the Credit Union has member owner accounts on December 31 2023. Accounts pay dividends monthly. Access is available through branch network online banking mobile banking telephone and ATMs. Saving and general financial education is offered to members and non-members especially to the youth of the community.

Program 2

Expenses: $99,530 Revenue: $0

Checking Accounts the Credit Union provides accounts with various features including free checking accounts all electronic access accounts and some options that pay interest. The Credit Union...

Checking Accounts the Credit Union provides accounts with various features including free checking accounts all electronic access accounts and some options that pay interest. The Credit Union provides education on account management and safety.

Program 3

Expenses: $1,879,610 Revenue: $8,128,630

Consumer Loans the Credit Union provides personal loans as well as flexible offerings on ATVs boats autos RVs and motorcycles mortgages and land lot loans. The Credit Union also educates members how...

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $11,663,027

Investment Income $971,546

Other Revenue $0

TOTAL REVENUE $12,634,573

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,241,043

Fundraising Expenses $0

Program Expenses $11,228,690

Other Expenses $8,511,467

TOTAL EXPENSES $11,752,510

Year-over-Year Comparison

	2025	2024	Change
Revenue	$12,634,573	$11,741,699	+0.1%
Expenses	$11,752,510	$11,151,869	+0.1%
Net Income	$882,063	$589,830	+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

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

$888,349

Total Directors

$19,900

Key Employees

$771,373

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brenda Hooker	Chief Executive Officer	45.00	Officer Key Emp Highest	$227,902	$0	$227,902
Patsy Lindamood	Chief Financial Officer	45.00	Officer Key Emp Highest	$209,461	$0	$209,461
John Hendrick	Deputy Chief Executive Officer	45.00	Officer Key Emp Highest	$207,442	$0	$207,442
Jennifer Goodall	Chief Experience Officer	45.00	Officer Key Emp Highest	$126,568	$0	$126,568
Carol D Sullivan	Sr Loan Officer	40.00	Highest	$133,380	$0	$133,380
Mary Dye	Chief Risk Officer	45.00	Officer Highest	$116,976	$0	$116,976
Veronica McMillian	Loan Officer	40.00	Highest	$126,300	$0	$126,300
Wayne Scott	Board Chairman	1.50	Director	$3,200	$0	$3,200
S O Woods	Board Vice Chairman	1.00	Director	$2,025	$0	$2,025
Paul Brown	Secretary	1.00	Director	$1,950	$0	$1,950
Dewitt Oleinik	Board Member	1.00	Director	$2,125	$0	$2,125
John Burney	Board Member	1.00	Director	$1,950	$0	$1,950
Fern Frosch	Board Member	1.00	Director	$2,000	$0	$2,000
Jerry Larrison	Board Member Associate Director	1.00	Director	$1,875	$0	$1,875
Lisa Branch	Board Member Associate Director	1.00	Director	$1,900	$0	$1,900
David Fonseca	Board Member Associate Director	1.00	Director	$1,925	$0	$1,925
Matthew Davidson	Board Member Associate Director	1.00	Director	$950	$0	$950
Marcus Armstrong	Sr Loan Officer	40.00	Highest	$110,630	$0	$110,630
Marissa Cano	Sr Loan Officer	40.00	Highest	$107,433	$0	$107,433

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	$12,634,573	$11,752,510	$164,749,549	$882,063
2024	$11,741,699	$11,151,869	$151,688,741	$589,830
2023	$10,321,624	$10,165,290	$141,903,919	$156,334
2022	$8,942,744	$8,368,751	$134,601,898	$573,993
2021	$8,347,830	$7,392,160	$125,377,473	$955,670
2020	$7,592,476	$6,973,394	$122,293,376	$619,082
2019	$7,392,869	$6,448,073	$102,657,926	$944,796
2018	$6,962,503	$6,276,715	$97,009,818	$685,788