GEORGIA UNITED CREDIT UNION FOUNDATION INC (EIN 813414590) - 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

2016

Legal Domicile

Principal Officer

Robert Bogart

Tax Period

2023-01-01 to 2023-12-31

GEORGIA UNITED CREDIT UNION FOUNDATION INC, founded in 2016, is a small nonprofit in the Education sector that reported $869K in total revenue in fiscal year 2023. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $207K, a strong 24% operating margin.

Mission

Focused on the lives of families in the communities served by Georgia United Credit Union

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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 $855,550

Program Service Revenue $0

Investment Income $13,459

Other Revenue $0

TOTAL REVENUE $869,009

Expense Breakdown

Grants Paid $595,856

Salaries & Benefits $0

Fundraising Expenses $42,213

Program Expenses $605,949

Other Expenses $66,089

TOTAL EXPENSES $661,945

Year-over-Year Comparison

	2023	2022	Change
Revenue	$869,009	$732,972	+0.2%
Expenses	$661,945	$626,531	+0.1%
Net Income	$207,064	$106,441	+0.9%

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

N/A

Volunteers

150

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

$2,922,738

Total Directors

$2,274,117

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE SMITH	PRESIDENT DIRECTOR	4.00	Officer Director	$0	$15,545	$1,052,423
LAURA KING	SECRETARY DIRECTOR	4.00	Officer Director	$0	$250,704	$833,554
CAROLINA KING	ASSISTANT SECRETARY DIRECTOR	6.00	Officer Director	$0	$73,650	$388,140
DR JASON BRANCH	TREASURER DIRECTOR	1.00	Director	$0	$0	$0
FATHER MARK STAR	DIRECTOR	1.00	Director	$0	$0	$0
Edwin Bell	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT BOGART	ASSISTANT TREASURER	4.00	Officer	$0	$181,198	$648,621

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	$869,009	$661,945	$444,928	$207,064
2022	$732,972	$626,531	$237,864	$106,441
2021	$687,709	$671,134	$131,423	$16,575
2020	$707,426	$614,065	$114,848	$93,361
2019	$543,574	$565,895	$21,487	$-22,321
2018	$488,612	$463,634	$24,978	$24,978

GEORGIA UNITED CREDIT UNION FOUNDATION INC