Kings Peak Credit Union (EIN 876120660) - 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

1960

Legal Domicile

Principal Officer

Ryan Reynolds

Phone

4357223795

Tax Period

2025-01-01 to 2025-12-31

Kings Peak Credit Union, founded in 1960, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2025. Revenue grew 18% year-over-year, indicating healthy expansion. The organization ran a surplus of $893K, a strong 17% operating margin.

Mission

The credit union provides the following to its members: checking and savings accounts, debit cards, consumer loans and open-end loans, business loans, real estate loans, home equity loans and construction loans.

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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 $4,733,086

Investment Income $450,958

Other Revenue $0

TOTAL REVENUE $5,184,044

Expense Breakdown

Grants Paid $0

Salaries & Benefits $839,019

Fundraising Expenses $0

Other Expenses $3,452,244

TOTAL EXPENSES $4,291,263

Year-over-Year Comparison

	2025	2024	Change
Revenue	$5,184,044	$4,387,217	+0.2%
Expenses	$4,291,263	$3,557,692	+0.2%
Net Income	$892,781	$829,525	+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

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
Alawna Eldredge	Secretary	0.00	Director	$0	$0	$0
Denie Mecham	Director	0.00	Director	$0	$0	$0
William Fausett	Chairman	1.00	Officer Director	$0	$0	$0
Adri Ann Wootton	Director	1.00	Officer Director	$0	$0	$0
Ben Pugh	Director	1.00	Director	$0	$0	$0
Bert Potts	Vice Chairman	1.00	Officer Director	$0	$0	$0
Nicholas B Ogden	Director	1.00	Director	$0	$0	$0
Ryan Reynolds	President & CEO	40.00	Officer	$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	$5,184,044	$4,291,263	$65,708,166	$892,781
2024	No data	No data	No data	No data
2023	$3,594,263	$2,708,325	$46,311,508	$885,938
2022	$2,666,105	$1,839,458	$39,693,245	$826,647
2021	$2,208,915	$1,573,632	$32,017,343	$635,283
2020	$1,787,583	$1,426,313	$24,007,889	$361,270
2019	$1,506,958	$1,346,149	$18,839,101	$160,809
2018	$1,291,348	$1,131,524	$15,067,633	$159,824

Kings Peak Credit Union