COMMUNITY HEALTHCARE CREDIT UNION INC (EIN 060767732) - 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

1959

Legal Domicile

Principal Officer

Lisa Vitkus

Phone

8606433420

Tax Period

2024-01-01 to 2024-12-31

COMMUNITY HEALTHCARE CREDIT UNION INC, founded in 1959, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. The organization ran a surplus of $257K, a strong 21% operating margin.

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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,048,666

Investment Income $168,515

Other Revenue $0

TOTAL REVENUE $1,217,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $339,573

Fundraising Expenses $0

Program Expenses $960,061

Other Expenses $620,488

TOTAL EXPENSES $960,061

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,217,181	$1,162,341	+0.0%
Expenses	$960,061	$908,351	+0.1%
Net Income	$257,120	$253,990	+0.0%

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

$143,591

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lisa Vitkus	CEO	40	Director	$143,591	$0	$143,591
James Ray	Director	0	Director	$0	$0	$0
Jessica Fisher	Director	0	Director	$0	$0	$0
Elizabeth Anderson	Treasurer	0	Officer	$0	$0	$0
James Geagan	Vice President	0	Officer	$0	$0	$0
Kelvin Sims	Treasurer	0	Officer	$0	$0	$0
Robin Murdock-Meggers	President	0	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
2024	$1,217,181	$960,061	$17,258,113	$257,120
2023	$1,162,341	$908,351	$16,214,272	$253,990
2022	$911,427	$778,756	$17,069,844	$132,671
2021	$751,854	$717,657	$17,029,682	$34,197
2020	$773,368	$729,259	$15,884,807	$44,109
2019	$836,136	$688,998	$11,847,680	$147,138

COMMUNITY HEALTHCARE CREDIT UNION INC