METRO MEDICAL 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

1965

Legal Domicile

Principal Officer

MICHAEL CRAIG WHITE

Phone

2146300611

Tax Period

2025-01-01 to 2025-12-31

METRO MEDICAL CREDIT UNION, founded in 1965, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $975K, a strong 24% operating margin.

Mission

COOPERATIVE PROVIDER OF CREDIT UNION FINANCIAL SERVICES.

Program Service Accomplishments

Program 1

SHARE ACCOUNTS: METRO MEDICAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 6,216 MEMBERS WITH AGGREGATE DEPOSITS THAT APPROXIMATED $67,624,000 AS OF...

SHARE ACCOUNTS: METRO MEDICAL CREDIT UNION'S SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 6,216 MEMBERS WITH AGGREGATE DEPOSITS THAT APPROXIMATED $67,624,000 AS OF DECEMBER 31, 2025. MEMBER SHARE ACCOUNTS PAY DIVIDENDS QUARTERLY AND OFFER ACCESS THROUGH BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE, AND ATMS. CHRISTMAS CLUB SAVINGS ACCOUNTS ENCOURAGE THE DEVELOPMENT OF CONSISTENT SAVINGS HABITS FOR END OF YEAR EXPENSES.

Program 2

CHECKING ACCOUNTS: AS OF DECEMBER 31, 2025, METRO MEDICAL CREDIT UNION PROVIDES CHECKING ACCOUNTS WITH NO MONTHLY CHARGE TO CONSUMERS. MMCU HAS 3,040 CHECKING ACCOUNTS. DIVIDENDS ARE PAID MONTHLY...

CHECKING ACCOUNTS: AS OF DECEMBER 31, 2025, METRO MEDICAL CREDIT UNION PROVIDES CHECKING ACCOUNTS WITH NO MONTHLY CHARGE TO CONSUMERS. MMCU HAS 3,040 CHECKING ACCOUNTS. DIVIDENDS ARE PAID MONTHLY. ADDITIONALLY, THE CREDIT UNION OFFERS FREE DEBIT CARDS AND FREE HOME BANKING ON THESE ACCOUNTS. INTERNET BILL PAY IS AVAILABLE FOR A NOMINAL MONTHLY CHARGE. APPROXIMATELY FORTY-NINE PERCENT OF THE CREDIT UNION'S MEMBERS HAVE A CHECKING ACCOUNT.

Program 3

CONSUMER LOANS: METRO MEDICAL CREDIT UNION OFFERS VEHICLE LOANS, SIGNATURE LOANS, PROPERTY IMPROVEMENT LOANS AND FIXED HOME EQUITY LOANS. ALSO, SHARE SECURED LOANS ARE AVAILABLE AT A REDUCED RATE.

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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 $2,616,585

Investment Income $1,395,412

Other Revenue $0

TOTAL REVENUE $4,011,997

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,273,356

Fundraising Expenses $0

Other Expenses $1,763,927

TOTAL EXPENSES $3,037,283

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,011,997	$3,496,582	+0.1%
Expenses	$3,037,283	$2,687,552	+0.1%
Net Income	$974,714	$809,030	+0.2%

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

$394,755

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RHONDA K ARRINGTON	CHAIRMAN	1.00	Director	$0	$0	$0
DAVID KNOWLES	BOARD MEMBER	1.00	Director	$0	$0	$0
RAYCHEL LEE	SECRETARY/TREASURER	1.00	Director	$0	$0	$0
JOE G MAYER	VICE CHAIRMAN	1.00	Director	$0	$0	$0
ERIC MCDANIEL	BOARD MEMBER	1.00	Director	$0	$0	$0
DENISE PICKETT	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTI TILLERY	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTOPHER MANN	BOARD MEMBER	1.00	Director	$0	$0	$0
MICHAEL CRAIG WHITE	PRESIDENT/CEO	65.00	Officer	$213,855	$29,959	$243,814
SHERMAN ROBERSON	VICE PRESIDENT	40.00	Officer	$126,362	$24,579	$150,941

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	$4,011,997	$3,037,283	$82,025,698	$974,714
2024	No data	No data	No data	No data
2023	$3,046,020	$2,512,590	$85,246,844	$533,430
2022	$2,788,451	$2,287,256	$93,946,101	$501,195
2021	$2,916,871	$2,131,879	$91,229,036	$784,992
2020	$3,095,576	$2,567,477	$82,053,697	$528,099
2019	$3,213,341	$2,592,738	$71,790,122	$620,603
2018	$2,914,686	$2,395,113	$71,247,330	$519,573