METRO MEDICAL CREDIT UNION (EIN 751249646) - 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

1965

Legal Domicile

Principal Officer

MICHAEL CRAIG WHITE

Phone

2146300611

Tax Period

2023-01-01 to 2023-12-31

METRO MEDICAL CREDIT UNION, founded in 1965, is a community nonprofit that reported $3.0M in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $533K, a strong 18% operating margin.

Mission

METRO MEDICAL CREDIT UNION IS A FINANCIAL COOPERATIVE FORMED TO PROVIDE FINANCIAL SERVICES FOR INDIVIDUALS OF MODEST MEANS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,098,954

Investment Income $947,066

Other Revenue $0

TOTAL REVENUE $3,046,020

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,140,705

Fundraising Expenses $0

Other Expenses $1,371,885

TOTAL EXPENSES $2,512,590

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,046,020	$2,788,451	+0.1%
Expenses	$2,512,590	$2,287,256	+0.1%
Net Income	$533,430	$501,195	+0.1%

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

$338,895

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE G MAYER	BOD - CHAIRPERSON	1.00	Director	$0	$0	$0
DAVID KNOWLES	BOD - DIRECTOR	1.00	Director	$0	$0	$0
RHONDA K ARRINGTON	BOD - DIRECTOR	1.00	Director	$0	$0	$0
AMBER S NICHOLSON	BOD - SECRETARY/TREASURER	1.00	Director	$0	$0	$0
JESSICA HERNANDEZ	BOD - VICE CHAIR	1.00	Director	$0	$0	$0
KRISTI TILLERY	BOD - DIRECTOR	1.00	Director	$0	$0	$0
ERIC MCDANIEL	BOD - DIRECTOR	1.00	Director	$0	$0	$0
DENISE PICKETT	BOD - DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER MANN	BOD - DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CRAIG WHITE	PRESIDENT/CEO	65.00	Officer	$183,496	$26,714	$210,210
SHERMAN ROBERSON	VICE PRESIDENT	40.00	Officer	$107,042	$21,643	$128,685

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
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

METRO MEDICAL CREDIT UNION