0632 WHITEWATER COMMUNITY CREDIT UNION INC (EIN 310597307) - 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

Stephanie Steffee

Phone

5132021306

Tax Period

2024-01-01 to 2024-12-31

0632 WHITEWATER COMMUNITY CREDIT UNION INC, founded in 1954, is a small nonprofit that reported $803K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $703K left a modest 13% surplus.

Mission

The goal of Whitewater Community Credit Union is to progressively serve members while maintaining financial integrity and stability.

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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 $653,929

Investment Income $149,335

Other Revenue $0

TOTAL REVENUE $803,264

Expense Breakdown

Grants Paid $0

Salaries & Benefits $325,263

Fundraising Expenses $0

Program Expenses $0

Other Expenses $377,285

TOTAL EXPENSES $702,548

Year-over-Year Comparison

	2024	2023	Change
Revenue	$803,264	$721,395	+0.1%
Expenses	$702,548	$623,993	+0.1%
Net Income	$100,716	$97,402	+0.0%

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

$90,672

Total Directors

$90,672

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jenny Bowing	Manager/Board Treasurer	40.50	Officer Director	$90,672	$0	$90,672
Russell Creek	Director	0.50	Director	$0	$0	$0
Stephanie Steffee	Board Secretary	0.50	Officer Director	$0	$0	$0
Karen Reynolds	Board Vice Chairperson	0.5	Officer Director	$0	$0	$0
Tom Pack	Board Chairperson	0.5	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	No data	No data	No data	No data
2024	$803,264	$702,548	$11,825,144	$100,716
2023	$721,395	$623,993	$11,794,357	$97,402
2022	$576,207	$485,342	$11,653,516	$90,865
2021	$494,357	$470,000	$11,073,891	$24,357
2020	$508,894	$496,921	$9,773,872	$11,973
2019	$570,101	$538,446	$8,239,777	$31,655
2018	$563,561	$489,987	$8,245,859	$73,574

0632 WHITEWATER COMMUNITY CREDIT UNION INC