EVERMAN PARKWAY CREDIT UNION (EIN 751059279) - 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

Melissa Owings

Phone

8172938412

Tax Period

2025-01-01 to 2025-12-31

EVERMAN PARKWAY CREDIT UNION, founded in 1953, is a small nonprofit that reported $264K in total revenue in fiscal year 2025. Revenue grew 12% year-over-year, indicating healthy expansion. Net assets of $1.4M represent 64 months of operating reserves.

Mission

Everman Parkway Credit Union is a cooperative thrift organization known as a "Credit Union" providing competitive rates on savings and loan accounts to 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 $160,432

Investment Income $68,583

Other Revenue $34,492

TOTAL REVENUE $263,507

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,258

Fundraising Expenses $0

Program Expenses $0

Other Expenses $170,081

TOTAL EXPENSES $256,339

Year-over-Year Comparison

	2025	2024	Change
Revenue	$263,507	$235,409	+0.1%
Expenses	$256,339	$232,802	+0.1%
Net Income	$7,168	$2,607	+1.7%

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

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
Melissa Owings	Manager	40	Highest	$52,083	$11,500	$63,583
Board Member	Chairman	1	Officer Director	$0	$0	$0
Board Member	Vice-Chairman	1	Officer Director	$0	$0	$0
Board Member	Secretary	1	Officer Director	$0	$0	$0
Board Member	Treasurer	1	Officer Director	$0	$0	$0
Board Member	Director	1	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	$263,507	$256,339	$3,913,530	$7,168
2024	$235,409	$232,802	$4,050,190	$2,607
2023	$238,713	$210,732	$4,684,679	$27,981
2022	$294,575	$315,649	$4,826,750	$-21,074
2021	$228,008	$249,009	$4,804,040	$-21,001
2020	$237,529	$259,526	$4,759,444	$-21,997

EVERMAN PARKWAY CREDIT UNION