69 GREATER CINCINNATI CREDIT UNION INC (EIN 310241513) - 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

1935

Legal Domicile

Principal Officer

PHILLIP L KILEY

Phone

5135591234

Tax Period

2024-01-01 to 2024-12-31

69 GREATER CINCINNATI CREDIT UNION INC, founded in 1935, is a community nonprofit that reported $7.7M in total revenue in fiscal year 2024. The organization ran a surplus of $2.4M, a strong 31% operating margin.

Mission

TO PROVIDE SAFE, ECONOMICALLY SOUND, COMPETITIVE FINANCIAL SERVICES TO MEET THE NEEDS OF MEMBERS IN AN EFFICIENT, CONVENIENT AND PERSONALIZED MANNER.

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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 $4,450,415

Investment Income $3,282,796

Other Revenue $0

TOTAL REVENUE $7,733,211

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,918,836

Fundraising Expenses $0

Other Expenses $3,388,378

TOTAL EXPENSES $5,307,214

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,733,211	$7,647,405	+0.0%
Expenses	$5,307,214	$4,535,323	+0.2%
Net Income	$2,425,997	$3,112,082	-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

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

$247,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CEAIR BAGGETT	BOARD MEMBER	1.00	Director	$0	$0	$0
CHARLES DICK	SECRETARY	1.00	Officer Director	$0	$0	$0
JOYCE HOOKS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
WANDA JONES	BOARD MEMBER	1.00	Director	$0	$0	$0
KENNETH MASON	BOARD MEMBER	1.00	Director	$0	$0	$0
JUDITH MEIERING	BOARD MEMBER	1.00	Director	$0	$0	$0
ELAINE MURPHY	TREASURER	1.00	Officer Director	$0	$0	$0
ANNE PINNAU	BOARD MEMBER	1.00	Director	$0	$0	$0
HARRIET RUSSELL	PRESIDENT	1.00	Officer Director	$0	$0	$0
PHIL KILEY	C.E.O.	40.00	Officer	$247,000	$0	$247,000

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	$7,733,211	$5,307,214	$129,089,643	$2,425,997
2023	$7,647,405	$4,535,323	$126,461,977	$3,112,082
2022	$5,570,197	$4,777,628	$131,885,414	$792,569
2021	$5,021,720	$4,797,146	$135,087,967	$224,574
2020	$5,745,636	$5,223,549	$124,490,495	$522,087
2019	$5,730,933	$5,510,398	$108,575,454	$220,535
2018	$5,384,465	$5,205,583	$104,983,331	$178,882

69 GREATER CINCINNATI CREDIT UNION INC