Corner Stone Credit Union (EIN 750992724) - 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

1952

Legal Domicile

Phone

9722189266

Tax Period

2025-01-01 to 2025-12-31

Corner Stone Credit Union, founded in 1952, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. Expenses of $1.7M left a modest 3% surplus.

Mission

Not-For-Profit financial coop owned by its members

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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 $1,473,371

Investment Income $178,763

Other Revenue $78,302

TOTAL REVENUE $1,730,436

Expense Breakdown

Grants Paid $0

Salaries & Benefits $632,209

Fundraising Expenses $0

Other Expenses $1,042,012

TOTAL EXPENSES $1,674,221

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,730,436	$1,922,746	-0.1%
Expenses	$1,674,221	$1,889,860	-0.1%
Net Income	$56,215	$32,886	+0.7%

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

Total Directors

Key Employees

$104,502

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kenneth Govan	Chair	1.00	Officer Director	$0	$0	$0
Jennifer Barnhill	Vice Chairman	1.00	Officer Director	$0	$0	$0
Cassondra Andrews	Secretary	1.00	Officer Director	$0	$0	$0
Randy Powledge	Treasurer	1.00	Officer Director	$0	$0	$0
Pamla Wood	Director	1.00	Director	$0	$0	$0
Clark Davis	Director	1.00	Director	$0	$0	$0
Stacey McDonald	CEO	40.00	Key Emp Highest	$104,502	$0	$104,502

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	$1,730,436	$1,674,221	$20,053,684	$56,215
2024	No data	No data	No data	No data
2023	$1,588,010	$1,537,975	$21,376,169	$50,035
2022	$1,468,783	$1,262,604	$21,159,977	$206,179
2021	$1,421,908	$1,211,737	$20,325,331	$210,171
2020	$1,458,611	$1,393,881	$18,587,300	$64,730
2019	$1,518,851	$1,405,334	$16,042,531	$113,517
2018	$1,609,954	$1,488,680	$16,312,133	$121,274

Corner Stone Credit Union