COBURN CREDIT UNION (EIN 746053874) - Form 990 Financial Analysis & Trantor Score

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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

2014

Legal Domicile

Principal Officer

CASSANDRA LAWS

Phone

4098389957

Tax Period

2025-01-01 to 2025-12-31

COBURN CREDIT UNION, founded in 2014, is a small nonprofit that reported $247K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. Expenses of $299K exceeded revenue, resulting in a 21% operating deficit.

Mission

SAVINGS ACCOUNTS LENDING

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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 $187,766

Investment Income $59,546

Other Revenue $0

TOTAL REVENUE $247,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,184

Fundraising Expenses $0

Other Expenses $226,231

TOTAL EXPENSES $299,415

Year-over-Year Comparison

	2025	2024	Change
Revenue	$247,312	$277,631	-0.1%
Expenses	$299,415	$263,854	+0.1%
Net Income	$-52,103	$13,777	-4.8%

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

N/A

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

$54,032

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASSANDRA LAWS	MANAGER CEO	40.00	Officer	$54,032	$0	$54,032
HANNAH PERRIO	SECRETARY	2.00	Director	$0	$0	$0
TAMI LOCKARD	TREASURER	2.00	Officer	$0	$0	$0
MATTHEW MCKENZIE	VICE CHAIRMA	2.00	Officer	$0	$0	$0
QUANG TRAN	CHAIRMAN	2.00	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	$247,312	$299,415	$5,592,986	$-52,103
2024	$277,631	$263,854	$5,792,048	$13,777
2023	$270,175	$198,879	$6,445,833	$71,296
2022	$220,750	$155,719	$7,576,649	$65,031
2021	$219,487	$209,757	$7,712,054	$9,730
2020	$262,228	$183,230	$7,347,722	$78,998
2019	$281,871	$156,087	$7,549,015	$125,784
2018	$262,090	$169,360	$7,801,230	$92,730

COBURN CREDIT UNION