WILMAC EMPLOYEES' CREDIT UNION (EIN 232084266) - 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

1976

Legal Domicile

Principal Officer

REBEKA LANDON

Phone

8006424482

Tax Period

2022-01-01 to 2022-12-31

WILMAC EMPLOYEES' CREDIT UNION, founded in 1976, is a micro nonprofit that reported $35K in total revenue in fiscal year 2022. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $124K exceeded revenue, resulting in a 253% operating deficit.

Mission

TO PROVIDE BASIC FINANCIAL SERVICES TO OUR MEMBERS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $28,786

Investment Income $3,670

Other Revenue $2,804

TOTAL REVENUE $35,260

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $124,422

TOTAL EXPENSES $124,422

Year-over-Year Comparison

	2022	2021	Change
Revenue	$35,260	$70,320	-0.5%
Expenses	$124,422	$78,752	+0.6%
Net Income	$-89,162	$-8,432	+9.6%

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

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

$27,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JACKIE WINTERS	MANAGER	1.00	Officer	$0	$0	$27,000
THOMAS SHUGARS	CHAIRPERSON	1.00	Officer Director	$0	$0	$0
JAMIE JUNE	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
RENEE EASTWOOD	TREASURER	1.00	Officer Director	$0	$0	$0
ANGLEA RAUDEBAUGH	SECRETARY	1.00	Officer Director	$0	$0	$0
LORRAINE GLATFELTER	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIC SHELLEY	BOARD MEMBER	1.00	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
2022	$35,260	$124,422	No data	$-89,162
2021	$70,320	$78,752	$3,481,782	$-8,432
2020	$72,038	$55,456	$3,659,101	$16,582
2019	$98,886	$63,554	$3,254,923	$35,332
2018	$86,737	$60,401	$3,213,242	$26,336

WILMAC EMPLOYEES' CREDIT UNION