ROMEOVILLE COMMUNITY CREDIT UNION

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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

1969

Legal Domicile

Principal Officer

JANET SCHULER

Phone

8158387159

Tax Period

2021-01-01 to 2021-12-31

ROMEOVILLE COMMUNITY CREDIT UNION, founded in 1969, is a small nonprofit that reported $149K in total revenue in fiscal year 2021. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $218K exceeded revenue, resulting in a 46% operating deficit.

Mission

TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND THEIR FINANCIAL SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.

Program Service Accomplishments

Program 1

PROVIDE CONSUMER LOANS TO 116 MEMBERS. RECEIVE DEPOSITS ON SAVINGS FROM 647 MEMBERS. PROVIDE SERVICES TO MEMBERS, ELECTRONIC ACCESS ATM AND BILL PAY.

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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 (2021)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $104,902

Investment Income $44,229

Other Revenue $0

TOTAL REVENUE $149,131

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $217,672

TOTAL EXPENSES $217,672

Year-over-Year Comparison

	2021	2020	Change
Revenue	$149,131	$188,075	-0.2%
Expenses	$217,672	$199,420	+0.1%
Net Income	$-68,541	$-11,345	+5.0%

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

N/A

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
JOHN HUFF	CHAIRPERSON	1.00	Officer	$0	$0	$0
KATHERINE TSCHETTER	SECRETARY	1.00	Officer	$0	$0	$0
GREGORY EICHELBERGER	VICE-CHAIR & TREASURER	1.00	Officer	$0	$0	$0
FRANCINE ELKINS	BOARD MEMBER	1.00	Director	$0	$0	$0
DANIEL ESQUIVEL	BOARD MEMBER	1.00	Director	$0	$0	$0
NIKKI FOULK	BOARD MEMBER	1.00	Director	$0	$0	$0
MARY GUZZO	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY KRENZEL	BOARD MEMBER	1.00	Director	$0	$0	$0
N/A	BOARD MEMBER	1.00	Director	$0	$0	$0
THOMAS REDNOUR	BOARD MEMBER	1.00	Director	$0	$0	$0
EVA TRIPPETT	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
2021	$149,131	$217,672	No data	$-68,541
2020	$188,074	$199,420	$5,322,786	$-11,346