ACCESS COMMUNITY CREDIT UNION (EIN 750870689) - 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

1953

Legal Domicile

Principal Officer

JOHN HAYS

Phone

8063539999

Tax Period

2025-01-01 to 2025-12-31

ACCESS COMMUNITY CREDIT UNION, founded in 1953, is a mid-sized nonprofit that reported $13.8M in total revenue in fiscal year 2025.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES, INCLUDING SAVINGS AND BORROWING.

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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 $12,832,629

Investment Income $957,222

Other Revenue $35,565

TOTAL REVENUE $13,825,416

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,869,458

Fundraising Expenses $0

Program Expenses $13,653,637

Other Expenses $8,784,179

TOTAL EXPENSES $13,653,637

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,825,416	$12,926,011	+0.1%
Expenses	$13,653,637	$12,807,058	+0.1%
Net Income	$171,779	$118,953	+0.4%

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

$384,997

Total Directors

Key Employees

$465,057

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN HAYS	PRESIDENTCEO	40.00	Officer	$300,657	$84,340	$384,997
BRAD DEWEY	EXECUTIVE VICE PRESIDENTCFO	40.00	Key Emp	$234,042	$61,513	$295,555
CRISSY ALEMAN	SVP CHIEF MORTGAGE OFFICER	40.00	Highest	$170,792	$18,882	$189,674
JASON FELTY	SVP CHIEF COMMERCIAL CREDIT OFFICE	40.00	Highest	$160,219	$19,456	$179,675
KEITH HUBBARD	EVPCO&MO	40.00	Key Emp	$156,355	$13,147	$169,502
LINDSAY EDWARDS	SVPCLO	40.00	Highest	$149,115	$2,972	$152,087
MARY FORSLUND	SVPCCO	40.00	Highest	$123,971	$12,352	$136,323
YESICA ALVAREZ	AVPMORTGAGE LENDING	40.00	Highest	$114,549	$18,575	$133,124
DUANE RIPPERGER	DIRECTOR	2.00	Director	$0	$0	$0
KRIS BOSLEY	CHAIRMAN	2.00	Director	$0	$0	$0
JUANITA STEINMAN	ADVISORY DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MEIL	VICE-CHAIRMAN	2.00	Director	$0	$0	$0
SCOTT ROSENBACH	DIRECTOR	2.00	Director	$0	$0	$0
TODD CLARK	ADVISORY DIRECTOR	2.00	Director	$0	$0	$0
JEFF JACKSON	TREASURER	2.00	Director	$0	$0	$0
LOUISE ROSS	ADVISORY DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER SIMMS	SECRETARY	2.00	Director	$0	$0	$0
GARRETT GRIFFIN	DIRECTOR	2.00	Director	$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	$13,825,416	$13,653,637	$200,285,314	$171,779
2024	$12,926,011	$12,807,058	$196,480,134	$118,953
2023	$11,699,207	$11,011,528	$194,768,487	$687,679
2022	$9,208,327	$9,000,341	$197,909,006	$207,986
2021	$9,305,960	$7,732,801	$156,272,170	$1,573,159
2020	$8,108,187	$7,243,697	$145,661,163	$864,490
2019	$7,061,777	$6,590,344	$128,502,423	$471,433
2018	$6,229,192	$5,580,476	$122,775,938	$648,716

ACCESS COMMUNITY CREDIT UNION