TANNER EMPLOYEES CREDIT UNION (EIN 870254281) - 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

1957

Legal Domicile

Phone

8014838396

Tax Period

2023-01-01 to 2023-12-31

TANNER EMPLOYEES CREDIT UNION, founded in 1957, is a small nonprofit that reported $301K in total revenue in fiscal year 2023. Revenue surged 41% from the prior year, signaling strong growth momentum. Expenses of $256K left a modest 15% surplus.

Mission

FINANCIAL SERVICES

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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 $245,444

Investment Income $55,060

Other Revenue $0

TOTAL REVENUE $300,504

Expense Breakdown

Grants Paid $0

Salaries & Benefits $131,575

Fundraising Expenses $0

Other Expenses $124,035

TOTAL EXPENSES $255,610

Year-over-Year Comparison

	2023	2022	Change
Revenue	$300,504	$212,503	+0.4%
Expenses	$255,610	$211,269	+0.2%
Net Income	$44,894	$1,234	+35.4%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT MORRILL	VICE CHAIRMAN	1.00	Director	$0	$0	$0
NICOLE NUTTALL	Director	1.00	Director	$0	$0	$0
PHILLIP CHILD	Director	1.00	Director	$0	$0	$0
CHRISTY PHILLIPS	Director	1.00	Director	$0	$0	$0
TREVOR ROBERTS	Director	1.00	Director	$0	$0	$0
DAVID SIEBERT	Director	1.00	Director	$0	$0	$0
NATASHA DOWNEY	Secretary	0.00	Director	$0	$0	$0
CHRIS ARTHUR	Director	0.00	Director	$0	$0	$0
LANDON KLEMME	Director	0.00	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
2023	$300,504	$255,610	$6,241,274	$44,894
2022	$212,503	$211,269	$7,124,696	$1,234
2021	$222,782	$205,339	$7,030,381	$17,443
2020	$260,403	$223,346	$6,969,579	$37,057
2019	$283,567	$249,716	$5,784,423	$33,851
2018	$276,140	$239,402	$5,995,676	$36,738

TANNER EMPLOYEES CREDIT UNION