422 HEEKIN CAN EMPLOYEES CREDIT UNION INC (EIN 310528961) - 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

1941

Legal Domicile

Principal Officer

James Taylor

Phone

5133882330

Tax Period

2025-01-01 to 2025-12-31

422 HEEKIN CAN EMPLOYEES CREDIT UNION INC, founded in 1941, is a micro nonprofit that reported $15K in total revenue in fiscal year 2025. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $38K exceeded revenue, resulting in a 144% operating deficit.

Mission

A financial institution (credit union) organized to provide its members with low interest loans and to promote savings.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $7,317

Investment Income $8,054

Other Revenue $0

TOTAL REVENUE $15,371

Expense Breakdown

Grants Paid $0

Salaries & Benefits $26,024

Fundraising Expenses $0

Program Expenses $0

Other Expenses $11,488

TOTAL EXPENSES $37,512

Year-over-Year Comparison

	2025	2024	Change
Revenue	$15,371	$21,798	-0.3%
Expenses	$37,512	$35,948	+0.0%
Net Income	$-22,141	$-14,150	+0.6%

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

$13,200

Total Directors

$13,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brian McFarland	Manager/Treasurer BoD	5	Officer Director	$13,200	$0	$13,200
Mike Mullenix	Board of Directors	0.50	Director	$0	$0	$0
Daniel Bell	Secretary BoD	0.50	Officer Director	$0	$0	$0
Sally O'Day	Vice President BoD	0.50	Officer Director	$0	$0	$0
Jim Taylor	President BoD	0.50	Officer 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
2025	$15,371	$37,512	$286,041	$-22,141
2024	$21,798	$35,948	$316,630	$-14,150
2023	$25,716	$38,509	$420,262	$-12,793
2022	$23,105	$36,525	$435,796	$-13,420
2021	$25,033	$36,157	$552,181	$-11,124
2020	$24,812	$34,787	$565,829	$-9,975
2019	$30,888	$35,026	$606,645	$-4,138

422 HEEKIN CAN EMPLOYEES CREDIT UNION INC