CORRY JAMESTOWN CREDIT UNION (EIN 251021509) - 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

1954

Legal Domicile

Principal Officer

SHERRY BIDWELL

Phone

8146647010

Tax Period

2024-01-01 to 2024-12-31

CORRY JAMESTOWN CREDIT UNION, founded in 1954, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. The organization ran a surplus of $223K, a strong 16% operating margin.

Mission

THE PURPOSE OF THE ENTITY IS TO IMPROVE THE FINANCIAL STRENGTH AND STABILITY OF ITS MEMBERS BY OFFERING THEM FAIR AND FAVORABLE INVESTMENT/LOAN RATES TO ACHIEVE THEIR

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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 $623,560

Investment Income $755,465

Other Revenue $0

TOTAL REVENUE $1,379,025

Expense Breakdown

Grants Paid $0

Salaries & Benefits $350,559

Fundraising Expenses $0

Other Expenses $798,502

TOTAL EXPENSES $1,156,026

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,379,025	$1,137,334	+0.2%
Expenses	$1,156,026	$1,031,703	+0.1%
Net Income	$222,999	$105,631	+1.1%

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

2518

Independent Members

2518

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

$3,120

Key Employees

$38,341

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONNA MILES	PRESIDENT	5.00	Director	$720	$0	$720
SHIRLEY LYON	VICE PRESIDENT	5.00	Director	$450	$0	$450
LISA JEWELL	TREASURER	5.00	Director	$240	$0	$240
VICKIE MELNICHAK	SECRETARY	5.00	Director	$330	$0	$330
SHERRY BIDWELL	CEO	40.00	Key Emp	$38,341	$0	$38,341
HEATHER McCLANAHEN	SUPERVISORY COMMITTEE	5.00	Director	$0	$0	$0
WILLIAM HAMMOND	SUPERVISORY COMMITTEE / MEMBERSHIP	5.00	Director	$360	$0	$360
DIXIE ANDERSON	CREDIT COMMITTEE	5.00	Director	$0	$0	$0
RHONDA LINDSEY	CREDIT COMMITTEE	5.00	Director	$0	$0	$0
DIXIE ANDERSON	SUPERVISORY COMMITTEE	5.00	Director	$330	$0	$330
VINCE HOWDEN	SUPERVISORY COMMITTEE	5.00	Director	$360	$0	$360
SHEILA WEIDNER	SUPERVISORY COMMITTEE	5.00	Director	$330	$0	$330

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	$1,379,025	$1,156,026	$26,883,082	$222,999
2023	$1,137,334	$1,031,703	$26,901,847	$105,631
2022	$916,270	$892,749	$26,044,450	$23,521
2021	$830,675	$878,080	$25,263,728	$-47,405
2020	$899,138	$866,221	$22,449,999	$32,917
2019	$1,038,065	$959,145	$18,482,291	$78,920
2018	$970,542	$915,416	$18,298,997	$55,126

CORRY JAMESTOWN CREDIT UNION