COUNTY CREDIT UNION (EIN 237062193) - 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

1970

Legal Domicile

Principal Officer

DAVID BUENEMAN

Phone

3147251113

Tax Period

2024-01-01 to 2024-12-31

COUNTY CREDIT UNION, founded in 1970, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $1.4M left a modest 13% surplus.

Mission

COOPERATIVE PROVIDER OF 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 $1,291,795

Investment Income $334,568

Other Revenue $0

TOTAL REVENUE $1,626,363

Expense Breakdown

Grants Paid $0

Salaries & Benefits $408,992

Fundraising Expenses $0

Program Expenses $0

Other Expenses $1,007,838

TOTAL EXPENSES $1,416,830

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,626,363	$1,415,853	+0.1%
Expenses	$1,416,830	$1,321,368	+0.1%
Net Income	$209,533	$94,485	+1.2%

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

$107,885

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BUENEMAN	PRESIDENT/CEO	40	Key Emp Highest	$107,885	$0	$107,885
Joan Lee	Board Member at large	3	Director	$0	$0	$0
Barnes Bradshaw	Vice Chairperson	3	Director	$0	$0	$0
Darold Crotzer	Board Treasurer & Secretary	3	Director	$0	$0	$0
Joseph LaMarque	Board Member	3	Director	$0	$0	$0
Phillip McRath	Board Chairperson	3	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
2024	$1,626,363	$1,416,830	$25,322,716	$209,533
2023	$1,415,853	$1,321,368	$24,921,235	$94,485
2022	$1,225,497	$1,218,577	$26,363,373	$6,920
2021	$951,694	$1,074,687	$25,020,655	$-122,993
2020	$1,009,078	$1,089,109	$22,118,502	$-80,031
2019	$1,212,107	$1,404,926	$19,537,950	$-192,819
2018	$1,214,661	$1,394,476	$19,460,240	$-179,815

COUNTY CREDIT UNION