OHIO CREDIT UNION DEFENSE COALITION

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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

2004

Legal Domicile

Principal Officer

PAUL MERCER

Phone

8004862917

Tax Period

2023-01-01 to 2023-12-31

OHIO CREDIT UNION DEFENSE COALITION, founded in 2004, is a micro nonprofit in the Community Improvement sector that reported $32K in total revenue in fiscal year 2023. Revenue surged 411% from the prior year, signaling strong growth momentum. Expenses of $88K exceeded revenue, resulting in a 172% operating deficit.

Mission

THE PRINCIPAL PURPOSES OF THE ASSOCIATION ARE TO PROMOTE THE COMMON BUSINESS INTERESTS OF THE CREDIT UNION INDUSTRY AND TO ADVOCATE FOR THE COMMON INTERESTS OF THE CREDIT UNIONS. IN FURTHERANCE OF THESE PURPOSES, THE ASSOCIATION INTENDS TO ENGAGE IN LOBBYING, LITIGATION AND REGULATORY/LEGISLATIVE ACTIVITIES, CONDUCT RESEARCH IN AREAS RELEVANT TO THE CREDIT UNION INDUSTRY, COMMUNICATE WITH THE PUBLIC AND ITS MEMBERS ABOUT SUCH MATTERS, AND ASSIST CREDIT UNION ORGANIZATIONS WITH THEIR LEGISLATIVE/REGULATORY UNDERTAKINGS.

Program Service Accomplishments

Program 1

ENGAGE IN LOBBYING, LITIGATION, PUBLIC RELATION AND REGULATORY/LEGISLATIVE ADVOCACY ACTIVITIES TO FURTHER THE INTERESTS OF CREDIT UNIONS AND THE CREDIT UNION INDUSTRY.

Program 2

CONDUCT RESEARCH ON ISSUES OF INTEREST TO CREDIT UNIONS AND THE CREDIT UNION INDUSTRY.

Program 3

COMMUNICATE WITH THE PUBLIC AND ITS MEMBERS ABOUT ISSUES OF INTEREST TO CREDIT UNIONS AND THE CREDIT UNION INDUSTRY.

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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 (2023)

Revenue Breakdown

Contributions & Grants $5,055

Program Service Revenue $0

Investment Income $27,308

Other Revenue $0

TOTAL REVENUE $32,363

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $88,116

TOTAL EXPENSES $88,116

Year-over-Year Comparison

	2023	2022	Change
Revenue	$32,363	$6,335	+4.1%
Expenses	$88,116	$53,007	+0.7%
Net Income	$-55,753	$-46,672	+0.2%

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

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

$629,365

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL BURKE	CHAIR	0.50	Officer Director	$0	$0	$0
MIRANDA MCCONOUGHEY	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JESSICA JONES	SEC/TREASURER	0.50	Officer Director	$0	$0	$0
JACQUELINE MOORE	DIRECTOR	0.50	Director	$0	$0	$0
SCOTT HICKS	DIRECTOR	0.50	Director	$0	$0	$0
BARRY SHANER	DIRECTOR	0.50	Director	$0	$0	$0
BRIAN MCCUE	DIRECTOR	0.50	Director	$0	$0	$0
SARIAH FLYNN	DIRECTOR	0.50	Director	$0	$0	$0
DAN SUTTON	DIRECTOR	0.50	Director	$0	$0	$0
PAUL MERCER	EXECUTIVE DIRECTOR	0.50	Officer	$0	$79,571	$629,365

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	No data	No data	No data	No data
2023	$32,363	$88,116	$929,376	$-55,753
2022	$6,335	$53,007	$985,129	$-46,672
2021	$5,247	$44,905	$1,031,801	$-39,658
2020	$6,316	$5,335	$1,071,460	$981
2019	$12,287	$5,079	$1,070,479	$7,208
2018	$14,042	$4,953	$1,063,271	$9,089